Civic Intelligence

44 North Credit Union

EIN 93-0497535 • 501(c)14 • Lebanon, OR

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Profile

44 north credit union will continue to provide sound, progressive financial services, which support the mutual interest of the members and the community.

485 S 2nd StLebanon, OR 97355-3326

44northcu.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

40th percentile

0.88x

Higher debt load relative to assets than 40% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Liabilities / Revenue

12th percentile

11.28x

Higher debt load relative to revenue than 12% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Net Margin

32nd percentile

7.4%

Higher net margin than 32% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2024

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2024

Balance Sheet
Liabilities / Assets40th percentile

Assets

$164,913,210

No earlier filing loaded for comparison.

Liabilities

$145,854,521

No earlier filing loaded for comparison.

Net Assets

$19,058,689

No earlier filing loaded for comparison.

Operations
Liabilities / Revenue12th percentileNet Margin32nd percentile

Revenue

$12,926,579

No earlier filing loaded for comparison.

Expenses

$11,972,469

No earlier filing loaded for comparison.

Net Income

$954,110

No earlier filing loaded for comparison.

Trend Graphs

Balance Sheet Trend

Asset GrowthScore unavailable

Grouped bars show assets, liabilities, and net assets across loaded filings.

$200M$150M$100M$50M$0Assets 2024: $164,913,210Liabilities 2024: $145,854,521Net Assets 2024: $19,058,6892024

Highlighted filing

2024

Assets$164,913,210
Liabilities$145,854,521
Net Assets$19,058,689
Open 2024 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income by year, with the latest filing highlighted.

$15M$10M$5.0M$0Revenue 2024: $12,926,579Expenses 2024: $11,972,469Net Income 2024: $954,1102024

Highlighted filing

2024

Revenue$12,926,579
Expenses$11,972,469
Net Income$954,110
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$164,913,210
Liabilities
$145,854,521
Net assets
$19,058,689
Revenue
$12,926,579
Expenses
$11,972,469
Net income
$954,110
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$165$146$19.1$12.9$12.0$0.95
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Oct 3, 2025
Return Version
2024v5.2
Gross Receipts
$12,927,360
Mission and Program Overview

Mission

44 north credit union will continue to provide sound, progressive financial services, which support the mutual interest of the members and the community.

Our mission is to provide personalized and thoughtful financial services that make a real difference in your life.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$0$114,321,495▲ $114,321,495
Savings and Temporary Cash Investments$0$40,241,513▲ $40,241,513
Rtn Earn Endowment Incm Other Fnds$0$19,058,689▲ $19,058,689
Land, Buildings, and Equipment, Net$0$4,276,089▲ $4,276,089
Cash and Non-Interest-Bearing Accounts$0$1,687,126▲ $1,687,126
Prepaid Expenses and Deferred Charges$0$1,462,966▲ $1,462,966
Investments Other Securities$0$87,853▲ $87,853
Accounts Receivable$0$52,188▲ $52,188
Receivables From Officers Etc$0--
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$0$164,913,210▲ $164,913,210
Other Assets Total$0$2,783,980▲ $2,783,980
Liabilities
Other Liabilities$0$144,941,909▲ $144,941,909
Accounts Payable and Accrued Expenses$0$912,612▲ $912,612
Total Liabilities$0$145,854,521▲ $145,854,521
Net Assets / Fund Balance
Total Net Assets Fund Balance$0$19,058,689▲ $19,058,689
Total Liabilities and Net Assets / Fund Balance$0$164,913,210▲ $164,913,210

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,298,837$1,274,866$3,573,703
Land$1,362,187-$1,362,187
Equipment$375,401$800,894$1,176,295
Other Land Buildings$239,664$475,291$714,955
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Jeff ElliottCEOFT$173,584$25,454$199,038
Erwin RamelbCFOFT$129,039$22,699$151,738
Karen VorderstrasseSenior VP/ CIOFT$120,687$17,963$138,650
Michelle GregoryCOOFT$107,040$14,864$121,904
Carrie LovellCLOFT$97,436$23,239$120,675
Dave WorkmanChief Recovery OfficerFT$98,400$15,899$114,299

Board Members and Trustees

NameTitle
Randy WhitfieldBoard of Directors Member/chairperson
Jason Van EckBoard of Directors Member/vice Chairperson
Dave BarringerBoard of Directors Member
John TrahanBoard of Directors Member
Martin MeyerBoard of Directors Member
Rick PetersenBoard of Directors Member
Ryan PaduaBoard of Directors Member
Brian LynchBoard of Directors Member/treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$11,690,187
Investment Income
$1,158,953
Other Revenue
$77,439
Change in Net Assets
$954,110
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$8,300,139
Salaries, Compensation, and Employee Benefits$3,672,330
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$2,121,948
Other Salaries and Wages---$1,880,096
Office Expenses---$1,166,822
Current Officers, Directors, Trustees, and Key Employees---$735,095
Other Employee Benefits---$707,694
Information Technology---$573,847
Occupancy---$271,009
Payroll Taxes---$260,557
Fees for Services Other---$254,766
Advertising---$170,786
Pension Plan Contributions---$88,888
Depreciation Depletion---$55,004
Travel---$49,163
Insurance---$36,817
Fees for Services Accounting---$26,400
Other Expenses---$13,803
Conferences and Meetings---$12,661
Total Functional Expenses$0$0$0$11,972,469
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$0--
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$92,934,450
Time Deposits$52,007,459
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The credit union has members.”

Form 990, Part VI, Section B, Line 11B

“Form 990 is made available for review by the board at regularly scheduled meetings after filing the form. The credit union's ceo is provided with a copy of form 990 before filing.”

Form 990, Part VI, Section B, Line 12C

“If/when the credit union is made aware of a potential conflict of interest, the employee's supervisor, along with hr, gathers details of the conflict and then counsels the employee on proper conduct/ outside employment policy. If there are any policy violations, hr and the employee's supervisor determine the level of counseling or disciplinary action that should be taken and then address the employee.”

Form 990, Part VI, Section B, Line 15

“We purchase the cuna salary survey and review the salary ranges for ceo's and each offier's job title/duties and review wages based on asset size, number of full-time employees, and number of branches. Then we look at the median and 75th percentile in those categories and come to a reasonable wage and within the credit union's budget.”

Form 990, Part VI, Section C, Line 18

“Made available to the public upon written request.”

Form 990, Part VI, Section C, Line 19

“Governing documents and conflict of interest policies are made available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
44 North Credit Union
EIN
93-0497535
Phone
5412591235
Address
485 S 2ND ST, LEBANON, OR 97355-3326

Signing Officer

Name
Jeff Elliott
Title
CEO
Phone
5412591235
Signed
2025-10-03
Discuss with paid preparer
Yes

Organization Details

Formed
1956
Legal Domicile
Or
Voting Board Members
8
Independent Board Members
8
Employees
47
Volunteers
10

Preparer

Firm
Opsahl Dawson
Address
10940 NE 33RD PLACE SUITE 100, BELLEVUE, WA 98004
Preparer
Lindsey Sas CPA
Phone
4258891778
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Undivided earnings 18,104,579.”

Raw XML AppendixShowing 400 of 435 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0114321495
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0260557
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt088888
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt00
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt01462966
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/Desc1FEES INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt010394110
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11268929
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt010394110
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11296077
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt027148
IRS990/ProhibitedTaxShelterTransInd00
IRS990/QuidProQuoContributionsInd00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0954110
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt019058689
IRS990/SavingsAndTempCashInvstGrp/BOYAmt00
IRS990/SavingsAndTempCashInvstGrp/EOYAmt040241513
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt02298837
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01274866
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt03573703
IRS990ScheduleD/EquipmentGrp/BookValueAmt0375401
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0800894
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01176295
IRS990ScheduleD/LandGrp/BookValueAmt01362187
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01362187
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0239664
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0475291
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0714955
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt092934450
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt152007459
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1TIME DEPOSITS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt04276089
IRS990ScheduleD/TotalLiabilityAmt0144941909
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0173584
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1129039
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount03287
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount13186
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt08679
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt11508
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt012234
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt116823
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt01254
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt11182
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0JEFF ELLIOTT
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1ERWIN RAMELB
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1CFO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0199038
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1151738
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt10
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990ScheduleJ/WrittenEmploymentContractInd0X
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION HAS MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1FORM 990 IS MADE AVAILABLE FOR REVIEW BY THE BOARD AT REGULARLY SCHEDULED MEETINGS AFTER FILING THE FORM. THE CREDIT UNION'S CEO IS PROVIDED WITH A COPY OF FORM 990 BEFORE FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2IF/WHEN THE CREDIT UNION IS MADE AWARE OF A POTENTIAL CONFLICT OF INTEREST, THE EMPLOYEE'S SUPERVISOR, ALONG WITH HR, GATHERS DETAILS OF THE CONFLICT AND THEN COUNSELS THE EMPLOYEE ON PROPER CONDUCT/ OUTSIDE EMPLOYMENT POLICY. IF THERE ARE ANY POLICY VIOLATIONS, HR AND THE EMPLOYEE'S SUPERVISOR DETERMINE THE LEVEL OF COUNSELING OR DISCIPLINARY ACTION THAT SHOULD BE TAKEN AND THEN ADDRESS THE EMPLOYEE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3WE PURCHASE THE CUNA SALARY SURVEY AND REVIEW THE SALARY RANGES FOR CEO'S AND EACH OFFIER'S JOB TITLE/DUTIES AND REVIEW WAGES BASED ON ASSET SIZE, NUMBER OF FULL-TIME EMPLOYEES, AND NUMBER OF BRANCHES. THEN WE LOOK AT THE MEDIAN AND 75TH PERCENTILE IN THOSE CATEGORIES AND COME TO A REASONABLE WAGE AND WITHIN THE CREDIT UNION'S BUDGET.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4MADE AVAILABLE TO THE PUBLIC UPON WRITTEN REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICIES ARE MADE AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6UNDIVIDED EARNINGS 18,104,579.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION C, LINE 18
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART XI, LINE 9:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0OR
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsEOYAmt0164913210
IRS990/TotalAssetsGrp/BOYAmt00
IRS990/TotalAssetsGrp/EOYAmt0164913210
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalEmployeeCnt047
IRS990/TotalFunctionalExpensesGrp/TotalAmt011972469
IRS990/TotalGrossUBIAmt0106498
IRS990/TotalLiabilitiesEOYAmt0145854521
IRS990/TotalLiabilitiesGrp/BOYAmt00
IRS990/TotalLiabilitiesGrp/EOYAmt0145854521
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt00
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt019058689
IRS990/TotalOtherCompensationAmt0111209
IRS990/TotalProgramServiceRevenueAmt011690187
IRS990/TotalReportableCompFromOrgAmt0735095
IRS990/TotalRevenueGrp/ExclusionAmt01159734
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt011660347
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt012926579
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt0106498
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt00
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0164913210
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt049163
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0485 S 2ND ST
IRS990/USAddress/CityNm0LEBANON

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