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Some proposed changes

[edit]

* Specific text to be removed:

text to be removed

Numerica Credit Union (formerly Spokane Railway Credit Union) is a credit union serving Eastern Washington state and the Northern Idaho Panhandle. It is regulated under the authority of the National Credit Union Administration (NCUA). Numerica is ranked fourth in Washington State in asset size with over $2.1 billion, and is ranked 6th in membership with 139,917 members. Its headquarters are located in Spokane Valley, Washington.

According to Numerica's website, the credit union was founded in 1937 under the name Spokane Railway Credit Union. Initially, Numerica only served Spokane railway employees, but it expanded to serve other sectors of the transportation industry, and eventually opened its doors to all residents of Washington State and the Northern Idaho Panhandle.

From the infobox, remove: $2,124,900,869 and 139,917

* Specific text to be added:

text to be added

For the infobox, add "business services, mobile app, 24/7 ATMs" to Products section, add "$3,526,958,254 (as of June 15, 2022)" to total assets section, add "169,012 (as of June 15, 2022)" to Members section.

For introduction, add "Numerica Credit Union (formerly Spokane Railway Credit Union) is a credit union founded in 1937. Numerica serves the Spokane, Tri-Cities, and Wenatchee Valley regions of Washington state, as well as the North Idaho Panhandle. It is regulated under the authority of the National Credit Union Administration (NCUA). As of June 2022, Numerica managed over $3.5 billion in assets and served more than 169,000 members. Numerica’s headquarters are located in Spokane Valley, Washington."

Add "Awards" section. To that section, add "In 2021, Numerica was named the Best Place to Work in the Inland Northwest in the large business category by the Spokane Journal of Business. (link) This followed four consecutive years of finishing in the top three of Best Places to Work Inland Northwest (2017-2020).

Numerica’s SBA team was honored in 2020 as Outstanding Community Lender (link) for the U.S. Small Business Administration’s Seattle District for closing the most standard SBA loans in a fiscal year.

Numerica also joined elite company in 2020 and 2021 as a recipient of the Crystal Performance Award (link), an annual recognition of “industry standard-setting credit unions,” according to Raddon (link), the financial industry research and analysis arm of Fiserv. The credit union was selected based on an analysis of key performance metrics focused on service, member relationships, sales, and other areas as observed within the Performance Analytics program from Raddon.

Numerica has also been recognized for its forward-thinking branch design (link), outstanding business practices (link), community support, and financial literacy (link)."

To History section, add :Spokane Railway Boom and emergence of SRCU (1880s-1970s)

In the late 19th to early 20th centuries, the westward expansion of the railroads took hold in Spokane and the greater Inland Northwest, making it possible for the region to benefit from rich mining and timber resources.

In 1937, a group of enterprising railway workers pooled their modest savings to form the Great Northern Employees Credit Union, which served employees of Great Northern Railway and the Spokane, Portland & Seattle Railway from the Hillyard Depot in Spokane. Another cooperative, Railway Workers Credit Union, was founded in 1941 to serve those working for Milwaukee Road, Northern Pacific Railway, Railway Express Agency, Spokane International Railway, Union Pacific Railroad and other railways.

Spokane benefited from a robust railway industry for many years. However, as railways began experiencing vast changes and consolidation, railroad-affiliated credit unions were impacted. In 1970, Spokane Railway Credit Union formed as a merger of Great Northern Employees Credit Union and Railway Workers Credit Union. This merger was a direct response to the formation of Burlington Northern Railway earlier that year, which itself was the consolidation of several railways, including Great Northern.

The diversification of SRCU membership (1980s-1990s)

As the northwest community changed with the times, so did Spokane Railway Credit Union. Adapting to a local economy that was less dependent on timber and mining and to a shipping industry in which trucking became more prevalent, the credit union in 1982 amended its field of membership to include all employees of shippers, whether rail or truck.

With the provision of lifetime membership — “once a member, always a member” — and the eligibility of family members to join the credit union, Spokane Railway Credit Union continued to expand and diversify its membership.

In the 1990s, SRCU adopted a community charter. This expanded over time to eventually offer membership to “anyone who lives, works, or worships in the state of Washington or North Idaho. In 1995, Numerica opened its first Idaho branch in Coeur d’Alene.

This period of time helped the credit union remain healthy even when any single industry experienced layoffs or consolidation. Over the years, Spokane Railway Credit Union responded to a growing and diverse community, providing the financial services needed to meet the changing needs of its members.

Becoming Numerica Credit Union (2000-2019)

As the credit union entered the new millennium, it embarked on another important change — a new name. Reflecting the greater diversity and broader geographic reach of the credit union’s field of membership, Spokane Railway Credit Union changed its name to Numerica Credit Union.

The new name allowed the credit union to better communicate the availability of services to all potential members.

To serve a growing membership, Numerica Credit Union continued to expand its branch network and improve its existing facilities. In 2003, Numerica merged with North Central Credit Union (link) to increase its footprint into the Wenatchee Valley region of Washington State. In 2004, Numerica opened a new branch in Kennewick to expand into the Tri-Cities, Wash., region.

Numerica has continued its growth by adding branches and attracting new members through new construction or by mergers with smaller credit unions.

As the credit union’s footprint grew, Numerica continued to pursue innovative solutions to help improve the lives and wellbeing of its members. As emerging technologies introduced new methods for members to conduct business, Numerica began offering the latest in electronic conveniences, like Online Banking, Bill Pay, and a Mobile App.

Numerica’s branding was refreshed in 2013 with a new logo and slogan — “Life moves. Live well.” With a focus on the well-being of members and the communities served by the credit union, Numerica also updated its core purpose: “enhancing lives, fulfilling dreams, and building communities.”

COVID-19 response and community giving (2020-present)

When the COVID-19 pandemic began in March 2020, Numerica adapted to quickly shifting health protocols while still helping members through the unexpected hardships. Branches established new procedures to ensure the safety of members and employees. Numerica also launched video banking so members could enjoy face-to-face appointments without leaving home. (link)

Numerica also granted more than 1,000 Paycheck Protection Program loans to help keep business members afloat during the beginning of the pandemic, as well as offered mortgage forbearance and loan extensions for personal members.

In 2021, Numerica continued to ensure members could safely access financial products and services through a Digital Banking upgrade that transformed the Numerica Mobile App and the Online Banking experience. (link)

Throughout the pandemic, Numerica strengthened its commitment to the community by giving back to more than 100 non-profits focused on women's and children's issues, education, and combating hunger and poverty.

Numerica team members also prioritize sharing time in the community, and volunteer thousands of hours a year at local organizations."

* Reason for the change: This page was last editing on May 20, 2012, so the time has come for the page to include more up-to-date information, as well as more context behind what Numerica Credit Union stands for.

* References supporting change: Links also included in changes above; link, link, link, link, link, link, link, link, link, link 71.4.22.10 (talk) 17:48, 19 July 2022 (UTC)[reply]

The text you're wishing to add will need to be adjusted significantly to use Wikipedia's "voice", as the current wording you're proposing sounds like marketing language/advertising (which isn't altogether shocking considering you assert you work in their marketing department). Also, be mindful of WP:UNDUE, as some of your claims/text rely heavily on primary sources or sources with a close connection to the primary source, you should look at finding reliable sources that make these claims that we can more readily rely upon. Overall, please be mindful of WP:NPOV, WP:V, and WP:NOR. In so far as marketing concerns go, please look at WP:PROMO and MOS:WTW. Do also heed the advice given on your talk page by Bri. —Locke Coletc 18:20, 19 July 2022 (UTC)[reply]
Hello, below are updates to the above text to reflect less marketing language, as well as some updated sources we hope are more "reliable".
requested edits
In the infobox, please replace the Total Assets with "$3,526,958,254.00 (as of June 15, 2022) (link)", and replace Members with "169,012 (as of June 15, 2022) (link)"


Numerica Credit Union (formerly Spokane Railway Credit Union) is a credit union founded in 1937. Numerica serves the Spokane, Tri-Cities, and Wenatchee Valley regions of Washington state, as well as the North Idaho Panhandle. It is regulated under the authority of the National Credit Union Administration (NCUA). As of June 2022, Numerica managed over $3.5 billion in assets and served more than 169,000 members. Numerica’s headquarters are located in Spokane Valley, Washington.
Awards
In 2021, Numerica was named the Best Place to Work in the Inland Northwest in the large business category by the Spokane Journal of Business. (link)
Numerica’s SBA team was honored in 2020 as Outstanding Community Lender (link) for the U.S. Small Business Administration’s Seattle District for closing the most standard SBA loans in a fiscal year.
Numerica also received the Crystal Performance Award (link) in 2020 and 2021, an annual recognition of “industry standard-setting credit unions,” according to Raddon (link), the financial industry research and analysis arm of Fiserv. The credit union was selected based on an analysis of key performance metrics focused on service, member relationships, sales, and other areas as observed within the Performance Analytics program from Raddon.
History
Spokane Railway Boom and emergence of SRCU (1880s-1970s)
In the late 19th to early 20th centuries, the westward expansion of the railroads took hold in Spokane and the greater Inland Northwest, making it possible for the region to benefit from rich mining and timber resources.
In 1937, a group of railway workers pooled their modest savings to form the Great Northern Employees Credit Union, which served employees of Great Northern Railway and the Spokane, Portland & Seattle Railway from the Hillyard Depot in Spokane. Another cooperative, Railway Workers Credit Union, was founded in 1941 to serve those working for Milwaukee Road, Northern Pacific Railway, Railway Express Agency, Spokane International Railway, Union Pacific Railroad and other railways.
Spokane benefited from a robust railway industry for many years. However, as railways began experiencing vast changes and consolidation, railroad-affiliated credit unions were impacted. In 1970, Spokane Railway Credit Union formed as a merger of Great Northern Employees Credit Union and Railway Workers Credit Union. This merger was a direct response to the formation of Burlington Northern Railroad earlier that year, which itself was the consolidation of several railways, including Great Northern.
The diversification of SRCU membership (1980s-1990s)
As the northwest community changed, so did Spokane Railway Credit Union. Adapting to a local economy that was less dependent on timber and mining and to a shipping industry in which trucking became more prevalent, the credit union in 1982 amended its field of membership to include all employees of shippers, whether rail or truck.
With the provision of lifetime membership — “once a member, always a member” — and the eligibility of family members to join the credit union, Spokane Railway Credit Union continued to expand and diversify its membership.
In the 1990s, SRCU adopted a community charter. This expanded over time to eventually offer membership to “anyone who lives, works, or worships in the state of Washington or North Idaho” (link). In 1995, Numerica opened its first Idaho branch in Coeur d’Alene.
Over the years, Spokane Railway Credit Union responded to a growing and diverse community, providing the financial services needed to meet the changing needs of its members.
Becoming Numerica Credit Union (2000-2019)
As the credit union entered the new millennium, it embarked on another important change — a new name. Reflecting the greater diversity and broader geographic reach of the credit union’s field of membership, Spokane Railway Credit Union changed its name to Numerica Credit Union. (link)
To serve a growing membership, Numerica Credit Union continued to expand its branch network. In 2003, Numerica merged with North Central Credit Union (link) to increase its footprint into the Wenatchee Valley region of Washington State. In 2004, Numerica opened a new branch in Kennewick to expand into the Tri-Cities, Wash., region.
As the credit union’s footprint grew, Numerica continued to pursue innovative solutions to help its members like Online Banking, Bill Pay, and a Mobile App.
Numerica’s branding was refreshed in 2013 with a new logo and slogan — “Life moves. Live well.” (link) Numerica also updated its core purpose: “enhancing lives, fulfilling dreams, and building communities.”

 Not done Unnecessary detail and too promotional. Duke Gilmore (talk) 03:01, 24 December 2022 (UTC)[reply]

COVID-19 response and community giving (2020-present)
When the COVID-19 pandemic began in March 2020, Numerica adapted to quickly shifting health protocols while still helping members. Branches established new procedures like video banking so members could have face-to-face appointments without leaving home. (link)
In 2021, Numerica upgraded its Digital Banking platform and Numerica Mobile App. (link)
Throughout the pandemic, Numerica gave back to more than 100 non-profits focused on women's and children's issues, education, and combating hunger and poverty.
Numerica team members also volunteered thousands of hours a year at local organizations.

 Not done Unnecessary detail and not notable. Duke Gilmore (talk) 03:01, 24 December 2022 (UTC)[reply]


71.4.22.10 (talk) 19:13, 19 July 2022 (UTC)[reply]

Please read and respond to the message you were sent on your user talk page at User talk:71.4.22.10 by Bri. Before any action can be taken on your proposals we must understand your relationship with the subject of this article. —Locke Coletc 19:51, 19 July 2022 (UTC)[reply]
I work in the marketing department for Numerica Credit Union. I was tasked with updating our wikipedia page, which had not been updated in over ten years. I was hoping to add more information on Numerica's history, which mainly comes from Numerica publications, as well as update the numbers in our infobox which are horribly out of date. If the content I'm providing is still coming off as too promotional, can the assets and members figures on the current page be updated at the very least? 71.4.22.10 (talk) 19:56, 19 July 2022 (UTC)[reply]


@[Special:Contributions/71.4.22.10|71.4.22.10]]  Partly done Please see comments above. This request was a little confusing...I tried to implement what seemed appropriate. Did a little cleanup and removed the citations needed template. Please submit a new, clean request for further changes. Cheers. Duke Gilmore (talk) 03:01, 24 December 2022 (UTC)[reply]

Proposed changes

[edit]

* Specific text to be removed:

text to be removed

Numerica Credit Union (formerly Spokane Railway Credit Union) is a credit union serving Eastern Washington state and the Northern Idaho Panhandle. It is regulated under the authority of the National Credit Union Administration (NCUA). Numerica is ranked fourth in Washington State in asset size with over $2.1 billion, and is ranked 6th in membership with 139,917 members. Its headquarters are located in Spokane Valley, Washington.

According to Numerica's website, the credit union was founded in 1937 under the name Spokane Railway Credit Union. Initially, Numerica only served Spokane railway employees, but it expanded to serve other sectors of the transportation industry, and eventually opened its doors to all residents of Washington State and the Northern Idaho Panhandle.

From the infobox, remove: $2,124,900,869 and 139,917

* Specific text to be added:

text to be added

In the infobox, please replace the Total Assets with "$3,526,958,254.00 (as of June 15, 2022) (link)", and replace Members with "169,012 (as of June 15, 2022) (link)"

Introduction

Numerica Credit Union (formerly Spokane Railway Credit Union) is a credit union founded in 1937. Numerica serves the Spokane, Tri-Cities, and Wenatchee Valley regions of Washington state, as well as the North Idaho Panhandle. It is regulated under the authority of the National Credit Union Administration (NCUA). As of June 2022, Numerica managed over $3.5 billion in assets and served more than 169,000 members. Numerica’s headquarters are located in Spokane Valley, Washington.

Awards

In 2021, Numerica was named the Best Place to Work in the Inland Northwest in the large business category by the Spokane Journal of Business. (link)

Numerica’s SBA team was honored in 2020 as Outstanding Community Lender (link) for the U.S. Small Business Administration’s Seattle District for closing the most standard SBA loans in a fiscal year.

Numerica also received the Crystal Performance Award (link) in 2020 and 2021, an annual recognition of “industry standard-setting credit unions,” according to Raddon (link), the financial industry research and analysis arm of Fiserv. The credit union was selected based on an analysis of key performance metrics focused on service, member relationships, sales, and other areas as observed within the Performance Analytics program from Raddon.

History

Spokane Railway Boom and emergence of SRCU (1880s-1970s)

In the late 19th to early 20th centuries, the westward expansion of the railroads took hold in Spokane and the greater Inland Northwest, making it possible for the region to benefit from rich mining and timber resources.

In 1937, a group of railway workers pooled their modest savings to form the Great Northern Employees Credit Union, which served employees of Great Northern Railway and the Spokane, Portland & Seattle Railway from the Hillyard Depot in Spokane. Another cooperative, Railway Workers Credit Union, was founded in 1941 to serve those working for Milwaukee Road, Northern Pacific Railway, Railway Express Agency, Spokane International Railway, Union Pacific Railroad and other railways.

Spokane benefited from a robust railway industry for many years. However, as railways began experiencing vast changes and consolidation, railroad-affiliated credit unions were impacted. In 1970, Spokane Railway Credit Union formed as a merger of Great Northern Employees Credit Union and Railway Workers Credit Union. This merger was a direct response to the formation of Burlington Northern Railroad earlier that year, which itself was the consolidation of several railways, including Great Northern.

The diversification of SRCU membership (1980s-1990s)

As the northwest community changed, so did Spokane Railway Credit Union. Adapting to a local economy that was less dependent on timber and mining and to a shipping industry in which trucking became more prevalent, the credit union in 1982 amended its field of membership to include all employees of shippers, whether rail or truck.

With the provision of lifetime membership — “once a member, always a member” — and the eligibility of family members to join the credit union, Spokane Railway Credit Union continued to expand and diversify its membership.

In the 1990s, SRCU adopted a community charter. This expanded over time to eventually offer membership to “anyone who lives, works, or worships in the state of Washington or North Idaho” (link). In 1995, Numerica opened its first Idaho branch in Coeur d’Alene.

Over the years, Spokane Railway Credit Union responded to a growing and diverse community, providing the financial services needed to meet the changing needs of its members.

Becoming Numerica Credit Union (2000-2019)

As the credit union entered the new millennium, it embarked on another important change — a new name. Reflecting the greater diversity and broader geographic reach of the credit union’s field of membership, Spokane Railway Credit Union changed its name to Numerica Credit Union. (link)

To serve a growing membership, Numerica Credit Union continued to expand its branch network. In 2003, Numerica merged with North Central Credit Union (link) to increase its footprint into the Wenatchee Valley region of Washington State. In 2004, Numerica opened a new branch in Kennewick to expand into the Tri-Cities, Wash., region.

As the credit union’s footprint grew, Numerica continued to pursue innovative solutions to help its members like Online Banking, Bill Pay, and a Mobile App.

Numerica’s branding was refreshed in 2013 with a new logo and slogan — “Life moves. Live well.” (link) Numerica also updated its core purpose: “enhancing lives, fulfilling dreams, and building communities.”

COVID-19 response and community giving (2020-present)

When the COVID-19 pandemic began in March 2020, Numerica adapted to quickly shifting health protocols while still helping members. Branches established new procedures like video banking so members could have face-to-face appointments without leaving home. (link)

In 2021, Numerica upgraded its Digital Banking platform and Numerica Mobile App. (link)

Throughout the pandemic, Numerica gave back to more than 100 non-profits focused on women's and children's issues, education, and combating hunger and poverty.

Numerica team members also volunteered thousands of hours a year at local organizations.

* Reason for the change: This page was last editing on May 20, 2012, so the time has come for the page to include more up-to-date information

* References supporting change: Links also included in changes above 71.4.22.10 (talk) 19:24, 19 July 2022 (UTC)[reply]

Proposed changes 2

[edit]

* Specific text to be removed:

text to be removed

Numerica Credit Union (formerly Spokane Railway Credit Union) is a credit union serving Eastern Washington state and the Northern Idaho Panhandle. It is regulated under the authority of the National Credit Union Administration (NCUA). Numerica is ranked fourth in Washington State in asset size with over $2.1 billion, and is ranked 6th in membership with 139,917 members. Its headquarters are located in Spokane Valley, Washington.

According to Numerica's website, the credit union was founded in 1937 under the name Spokane Railway Credit Union. Initially, Numerica only served Spokane railway employees, but it expanded to serve other sectors of the transportation industry, and eventually opened its doors to all residents of Washington State and the Northern Idaho Panhandle.

From the infobox, remove: $2,124,900,869 and 139,917

* Specific text to be added:

text to be added

In the infobox, please replace the Total Assets with "$3,526,958,254.00 (as of June 15, 2022) (link)", and replace Members with "169,012 (as of June 15, 2022) (link)"

Introduction

Numerica Credit Union (formerly Spokane Railway Credit Union) is a credit union founded in 1937. Numerica serves the Spokane, Tri-Cities, and Wenatchee Valley regions of Washington state, as well as the North Idaho Panhandle. It is regulated under the authority of the National Credit Union Administration (NCUA). As of June 2022, Numerica managed over $3.5 billion in assets and served more than 169,000 members. Numerica’s headquarters are located in Spokane Valley, Washington.

Awards

In 2021, Numerica was named the Best Place to Work in the Inland Northwest in the large business category by the Spokane Journal of Business. (link)

Numerica’s SBA team was honored in 2020 as Outstanding Community Lender (link) for the U.S. Small Business Administration’s Seattle District for closing the most standard SBA loans in a fiscal year.

Numerica also received the Crystal Performance Award (link) in 2020 and 2021, an annual recognition of “industry standard-setting credit unions,” according to Raddon (link), the financial industry research and analysis arm of Fiserv. The credit union was selected based on an analysis of key performance metrics focused on service, member relationships, sales, and other areas as observed within the Performance Analytics program from Raddon.

History

Spokane Railway Boom and emergence of SRCU (1880s-1970s)

In the late 19th to early 20th centuries, the westward expansion of the railroads took hold in Spokane and the greater Inland Northwest, making it possible for the region to benefit from rich mining and timber resources.

In 1937, a group of railway workers pooled their modest savings to form the Great Northern Employees Credit Union, which served employees of Great Northern Railway and the Spokane, Portland & Seattle Railway from the Hillyard Depot in Spokane. Another cooperative, Railway Workers Credit Union, was founded in 1941 to serve those working for Milwaukee Road, Northern Pacific Railway, Railway Express Agency, Spokane International Railway, Union Pacific Railroad and other railways.

Spokane benefited from a robust railway industry for many years. However, as railways began experiencing vast changes and consolidation, railroad-affiliated credit unions were impacted. In 1970, Spokane Railway Credit Union formed as a merger of Great Northern Employees Credit Union and Railway Workers Credit Union. This merger was a direct response to the formation of Burlington Northern Railroad earlier that year, which itself was the consolidation of several railways, including Great Northern.

The diversification of SRCU membership (1980s-1990s)

As the northwest community changed, so did Spokane Railway Credit Union. Adapting to a local economy that was less dependent on timber and mining and to a shipping industry in which trucking became more prevalent, the credit union in 1982 amended its field of membership to include all employees of shippers, whether rail or truck.

With the provision of lifetime membership — “once a member, always a member” — and the eligibility of family members to join the credit union, Spokane Railway Credit Union continued to expand and diversify its membership.

In the 1990s, SRCU adopted a community charter. This expanded over time to eventually offer membership to “anyone who lives, works, or worships in the state of Washington or North Idaho” (link). In 1995, Numerica opened its first Idaho branch in Coeur d’Alene.

Over the years, Spokane Railway Credit Union responded to a growing and diverse community, providing the financial services needed to meet the changing needs of its members.

Becoming Numerica Credit Union (2000-2019)

As the credit union entered the new millennium, it embarked on another important change — a new name. Reflecting the greater diversity and broader geographic reach of the credit union’s field of membership, Spokane Railway Credit Union changed its name to Numerica Credit Union. (link)

To serve a growing membership, Numerica Credit Union continued to expand its branch network. In 2003, Numerica merged with North Central Credit Union (link) to increase its footprint into the Wenatchee Valley region of Washington State. In 2004, Numerica opened a new branch in Kennewick to expand into the Tri-Cities, Wash., region.

As the credit union’s footprint grew, Numerica continued to pursue innovative solutions to help its members like Online Banking, Bill Pay, and a Mobile App.

Numerica’s branding was refreshed in 2013 with a new logo and slogan — “Life moves. Live well.” (link) Numerica also updated its core purpose: “enhancing lives, fulfilling dreams, and building communities.”

COVID-19 response and community giving (2020-present)

When the COVID-19 pandemic began in March 2020, Numerica adapted to quickly shifting health protocols while still helping members. Branches established new procedures like video banking so members could have face-to-face appointments without leaving home. (link)

In 2021, Numerica upgraded its Digital Banking platform and Numerica Mobile App. (link)

Throughout the pandemic, Numerica gave back to more than 100 non-profits focused on women's and children's issues, education, and combating hunger and poverty.

Numerica team members also volunteered thousands of hours a year at local organizations.

* Reason for the change: This page was last editing on May 20, 2012, so the time has come for the page to include more up-to-date information

* References supporting change: Links also included in changes above Allyb1989 (talk) 16:03, 20 July 2022 (UTC)[reply]

I've gone ahead and updated the figures as you initially requested. I'll need to look closer at the other changes you've requested (unless someone else beats me to it, though there appears to be a 200+ deep backlog of requests). —Locke Coletc 19:05, 20 July 2022 (UTC)[reply]


@Allyb1989  Partly done This request was a little confusing with duplicated requests. I implemented things I thought appropriate (did not edit unnecessary detail or overly promotional). Did some cleanup and removed the citations needed templates. Please submit a new request for further changes. Cheers. Duke Gilmore (talk) 03:09, 24 December 2022 (UTC)[reply]