BETA

AL A LAKE T W 3CB537000 NORWEST BANK OF DES MOINES NA TTEE: Form 990PF, tax year 2024

View the entire original 990 at ProPublica ↗

Organization
AL A LAKE T W 3CB537000 NORWEST BANK OF DES MOINES NA TTEE (EIN 42-6101549)
Tax period
2024-01-01 to 2024-12-31
Filed
2025-05-12
IRS object ID
202531329349103303
Schema version
2024v5.0
Source
Download XML · Original 990 at ProPublica

Every field in the e-filed return. Faint text is the IRS element name, for citing.

Return header ReturnHeader

FieldValueIRS element (for citing)
Return2025-05-12T15:48:15-04:00ReturnTs
Tax Period End2024-12-31TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

FieldValueIRS element (for citing)
Preparer Firm EIN420991212PreparerFirmEIN

Preparer Firm Name PreparerFirmName

FieldValueIRS element (for citing)
Business Name Line1HOGAN - HANSEN PCBusinessNameLine1Txt

Preparer US Address PreparerUSAddress

FieldValueIRS element (for citing)
Address Line1200 NORTH ADAMS AVENUEAddressLine1Txt
CityMASON CITYCityNm
State AbbreviationIAStateAbbreviationCd
ZIP504011320ZIPCd
FieldValueIRS element (for citing)
Return Type990PFReturnTypeCd
Tax Period Begin2024-01-01TaxPeriodBeginDt

Filer Filer

FieldValueIRS element (for citing)
EIN426101549EIN

Business Name BusinessName

FieldValueIRS element (for citing)
Business Name Line1AL A LAKE T W 3CB537000 NORWESTBusinessNameLine1Txt
Business Name Line2BANK OF DES MOINES NA TTEEBusinessNameLine2Txt
FieldValueIRS element (for citing)
Business Name ControlLAKEBusinessNameControlTxt
Phone6414232457PhoneNum

US Address USAddress

FieldValueIRS element (for citing)
Address Line1100 EAST STATE STREETAddressLine1Txt
CityMASON CITYCityNm
State AbbreviationIAStateAbbreviationCd
ZIP50401ZIPCd

Business Officer BusinessOfficerGrp

FieldValueIRS element (for citing)
PersonCLEAR LAKE BANK TRUSTPersonNm
Person TitleTRUSTEEPersonTitleTxt
Phone6414232457PhoneNum
Signature2025-05-09SignatureDt
Discuss With Paid PreparerYes (true)DiscussWithPaidPreparerInd
FieldValueIRS element (for citing)
IRS Responsible Prty Info CurrYes (true)IRSResponsiblePrtyInfoCurrInd

Preparer Person PreparerPersonGrp

FieldValueIRS element (for citing)
Preparer PersonLAURA MONAGHAN CPAPreparerPersonNm
PTINP01269083PTIN
Phone6414230574PhoneNum
Preparation2025-05-09PreparationDt
FieldValueIRS element (for citing)
Tax2024TaxYr
Build TS2025-03-06 01:10:19ZBuildTS

Form 990-PF IRS990PF

FieldValueIRS element (for citing)
Name ChangeYes (X)NameChangeInd
Organization501c3 Exempt PFYes (X)Organization501c3ExemptPFInd
FMV Assets EOY$173,139FMVAssetsEOYAmt
Method Of Accounting CashYes (X)MethodOfAccountingCashInd

Analysis Of Revenue And Expenses AnalysisOfRevenueAndExpenses

FieldValueIRS element (for citing)
Schedule B Not RequiredYes (X)ScheduleBNotRequiredInd
Interest On Sav Rev And Expnss$195InterestOnSavRevAndExpnssAmt
Interest On Sav Net Invst Incm$195InterestOnSavNetInvstIncmAmt
Dividends Rev And Expnss$4,121DividendsRevAndExpnssAmt
Dividends Net Invst Incm$4,121DividendsNetInvstIncmAmt
Net Gain Sale Ast Rev And Expnss$10,138NetGainSaleAstRevAndExpnssAmt
Gross Sales Price$21,236GrossSalesPriceAmt
Cap Gain Net Incm Net Invst Incm$10,138CapGainNetIncmNetInvstIncmAmt
Total Rev And Expnss$14,454TotalRevAndExpnssAmt
Total Net Invst Incm$14,454TotalNetInvstIncmAmt
Comp Ofcr Dir Trst Rev And Expnss$2,000CompOfcrDirTrstRevAndExpnssAmt
Comp Ofcr Dir Trst Net Invst Incm$1,000CompOfcrDirTrstNetInvstIncmAmt
Comp Ofcr Dir Trst Dsbrs Chrtbl$1,000CompOfcrDirTrstDsbrsChrtblAmt
Legal Fees Rev And Expnss$602LegalFeesRevAndExpnssAmt
Legal Fees Net Invst Incm$151LegalFeesNetInvstIncmAmt
Legal Fees Dsbrs Chrtbl$451LegalFeesDsbrsChrtblAmt
Accounting Fees Rev And Expnss$835AccountingFeesRevAndExpnssAmt
Accounting Fees Net Invst Incm$209AccountingFeesNetInvstIncmAmt
Accounting Fees Chrtbl Prps$626AccountingFeesChrtblPrpsAmt
Taxes Rev And Expnss$82TaxesRevAndExpnssAmt
Other Expenses Rev And Expnss$20OtherExpensesRevAndExpnssAmt
Other Expenses Net Invst Incm$10OtherExpensesNetInvstIncmAmt
Other Expenses Dsbrs Chrtbl$10OtherExpensesDsbrsChrtblAmt
Tot Opr Expenses Rev And Expnss$3,539TotOprExpensesRevAndExpnssAmt
Tot Opr Expenses Net Invst Incm$1,370TotOprExpensesNetInvstIncmAmt
Tot Opr Expenses Dsbrs Chrtbl$2,087TotOprExpensesDsbrsChrtblAmt
Contri Paid Rev And Expnss$8,467ContriPaidRevAndExpnssAmt
Contri Paid Dsbrs Chrtbl$8,467ContriPaidDsbrsChrtblAmt
Total Expenses Rev And Expnss$12,006TotalExpensesRevAndExpnssAmt
Total Expenses Net Invst Incm$1,370TotalExpensesNetInvstIncmAmt
Total Expenses Dsbrs Chrtbl$10,554TotalExpensesDsbrsChrtblAmt
Excess Revenue Over Expenses$2,448ExcessRevenueOverExpensesAmt
Net Investment Income$13,084NetInvestmentIncomeAmt

Form990 PF Balance Sheets Form990PFBalanceSheetsGrp

FieldValueIRS element (for citing)
Sav And Temp Cash Invst BOY$3,093SavAndTempCashInvstBOYAmt
Sav And Temp Cash Invst EOY$2,550SavAndTempCashInvstEOYAmt
Sav And Temp Cash Invst EOYFMV$2,550SavAndTempCashInvstEOYFMVAmt
Corporate Stock BOY$129,805CorporateStockBOYAmt
Corporate Stock EOY$132,796CorporateStockEOYAmt
Corporate Stock EOYFMV$170,589CorporateStockEOYFMVAmt
Total Assets BOY$132,898TotalAssetsBOYAmt
Total Assets EOY$135,346TotalAssetsEOYAmt
Total Assets EOYFMV$173,139TotalAssetsEOYFMVAmt
Total Liabilities EOY$0TotalLiabilitiesEOYAmt
Organization Follows FASB117Yes (X)OrganizationFollowsFASB117Ind
No Donor Rstr Net Assests BOY$132,898NoDonorRstrNetAssestsBOYAmt
No Donor Rstr Net Assests EOY$135,346NoDonorRstrNetAssestsEOYAmt
Tot Net Ast Or Fund Balances BOY$132,898TotNetAstOrFundBalancesBOYAmt
Tot Net Ast Or Fund Balances EOY$135,346TotNetAstOrFundBalancesEOYAmt
Total Liabilities Net Ast BOY$132,898TotalLiabilitiesNetAstBOYAmt
Total Liabilities Net Ast EOY$135,346TotalLiabilitiesNetAstEOYAmt

Chg In Net Assets Fund Balances ChgInNetAssetsFundBalancesGrp

FieldValueIRS element (for citing)
Tot Net Ast Or Fund Balances BOY$132,898TotNetAstOrFundBalancesBOYAmt
Excess Revenue Over Expenses$2,448ExcessRevenueOverExpensesAmt
Subtotal$135,346SubtotalAmt
Tot Net Ast Or Fund Balances EOY$135,346TotNetAstOrFundBalancesEOYAmt

Cap Gains Loss Tx Invst Incm Detail CapGainsLossTxInvstIncmDetail

Cap Gains Loss Tx Invst Incm CapGainsLossTxInvstIncmGrp

FieldValueIRS element (for citing)
PropertyCLEAR LAKE BANK & TRUSTPropertyDesc
How AcquiredPHowAcquiredCd
Acquired2016-08-25AcquiredDt
Sold2024-11-26SoldDt
Gross Sales Price$21,236GrossSalesPriceAmt
Cost Or Other Basis$11,098CostOrOtherBasisAmt
Gain Or Loss$10,138GainOrLossAmt
Gains Minus Excess Or Losses$10,138GainsMinusExcessOrLossesAmt
FieldValueIRS element (for citing)
Capital Gain Net Income$10,138CapitalGainNetIncomeAmt

Excise Tax Based On Invst Incm ExciseTaxBasedOnInvstIncmGrp

FieldValueIRS element (for citing)
Investment Income Excise Tax$182InvestmentIncomeExciseTaxAmt
Subtotal$182SubtotalAmt
Tax Based On Investment Income$182TaxBasedOnInvestmentIncomeAmt
Tax Due$182TaxDueAmt

Statements Regarding Acty StatementsRegardingActyGrp

FieldValueIRS element (for citing)
Legislative Political ActyfalseLegislativePoliticalActyInd
More Than100 SpentfalseMoreThan100SpentInd
Form1120 POL FiledfalseForm1120POLFiledInd
Activities Not Previously RptfalseActivitiesNotPreviouslyRptInd
Changes To Articles Or BylawsfalseChangesToArticlesOrBylawsInd
Unrelated Bus Incm Over LimitfalseUnrelatedBusIncmOverLimitInd
Organization Dissolved EtcfalseOrganizationDissolvedEtcInd
Section508e Rqr SatisfiedYes (true)Section508eRqrSatisfiedInd
At Least5000 In AssetsYes (true)AtLeast5000InAssetsInd
Org Report Or Register StateIAOrgReportOrRegisterStateCd
Form990 PF Filed With Atty GenYes (true)Form990PFFiledWithAttyGenInd
Private Operating FoundationfalsePrivateOperatingFoundationInd
New Substantial ContributorsfalseNewSubstantialContributorsInd
Own Controlled EntityfalseOwnControlledEntityInd
Donor Advised FundfalseDonorAdvisedFundInd
Comply With Public Insp RqrYes (true)ComplyWithPublicInspRqrInd
Website AddressN/AWebsiteAddressTxt

Persons With Books Name PersonsWithBooksName

FieldValueIRS element (for citing)
Business Name Line1CLEAR LAKE BANK & TRUSTBusinessNameLine1Txt
FieldValueIRS element (for citing)
Phone6414232457PhoneNum

Location Of Books US Address LocationOfBooksUSAddress

FieldValueIRS element (for citing)
Address Line1100 EAST STATE STREETAddressLine1Txt
CityMASON CITYCityNm
State AbbreviationIAStateAbbreviationCd
ZIP50401ZIPCd
FieldValueIRS element (for citing)
Foreign Accounts QuestionfalseForeignAccountsQuestionInd

Statements Regarding Acty4720 StatementsRegardingActy4720Grp

FieldValueIRS element (for citing)
Sale Or Exch Disqualified PrsnfalseSaleOrExchDisqualifiedPrsnInd
Brrw Or Lend Disqualified PrsnfalseBrrwOrLendDisqualifiedPrsnInd
Furn Goods Disqualified PrsnfalseFurnGoodsDisqualifiedPrsnInd
Pay Comp Disqualified PrsnfalsePayCompDisqualifiedPrsnInd
Transfer Ast Disqualified PrsnfalseTransferAstDisqualifiedPrsnInd
Payment To Government OfficialfalsePaymentToGovernmentOfficialInd
Undistributed Income PYfalseUndistributedIncomePYInd
Business HoldingsfalseBusinessHoldingsInd
Jeopardy InvestmentsfalseJeopardyInvestmentsInd
Uncorrected PY Jeopardy InvstfalseUncorrectedPYJeopardyInvstInd
Influence LegislationfalseInfluenceLegislationInd
Influence ElectionfalseInfluenceElectionInd
Grants To IndividualsfalseGrantsToIndividualsInd
Grants To OrganizationsYes (true)GrantsToOrganizationsInd
Noncharitable PurposefalseNoncharitablePurposeInd
Transactions Fail To Qlfy As ExcfalseTransactionsFailToQlfyAsExcInd
Maintained Expenditure RspnsfalseMaintainedExpenditureRspnsInd
Rcv Fnds To Pay Prsnl Bnft CntrctfalseRcvFndsToPayPrsnlBnftCntrctInd
Pay Premiums Prsnl Bnft CntrctfalsePayPremiumsPrsnlBnftCntrctInd
Prohibited Tax Shelter TransfalseProhibitedTaxShelterTransInd
Subj To Tax Rmnrtn Ex Prcht PymtfalseSubjToTaxRmnrtnExPrchtPymtInd

Officer Dir Trst Key Empl Info OfficerDirTrstKeyEmplInfoGrp

Officer Dir Trst Key Empl OfficerDirTrstKeyEmplGrp

FieldValueIRS element (for citing)
PersonCLEAR LAKE BANK TRUSTPersonNm

US Address USAddress

FieldValueIRS element (for citing)
Address Line1100 EAST STATE STREETAddressLine1Txt
CityMASON CITYCityNm
State AbbreviationIAStateAbbreviationCd
ZIP50401ZIPCd
FieldValueIRS element (for citing)
TitleTRUSTEETitleTxt
Average Hrs Per Wk Devoted To Pos1.00AverageHrsPerWkDevotedToPosRt
Compensation$2,000CompensationAmt
Employee Benefit Program$0EmployeeBenefitProgramAmt
Expense Account Other Allwnc$0ExpenseAccountOtherAllwncAmt
FieldValueIRS element (for citing)
Comp Of Hghst Pd Empl Or NONENONECompOfHghstPdEmplOrNONETxt
Comp Of Hghst Pd Cntrct Or NONENONECompOfHghstPdCntrctOrNONETxt

Sum Of Program Related Invst SumOfProgramRelatedInvstGrp

FieldValueIRS element (for citing)
Description1N/ADescription1Txt

Minimum Investment Return MinimumInvestmentReturnGrp

FieldValueIRS element (for citing)
Average Monthly FMV Of Sec$167,915AverageMonthlyFMVOfSecAmt
Average Monthly Cash Balances$3,480AverageMonthlyCashBalancesAmt
FMV All Other Noncharitable Ast$0FMVAllOtherNoncharitableAstAmt
Total FMV Of Unused Assets$171,395TotalFMVOfUnusedAssetsAmt
Adjusted Total FMV Of Unused Ast$171,395AdjustedTotalFMVOfUnusedAstAmt
Cash Deemed Charitable$2,571CashDeemedCharitableAmt
Net Vl Noncharitable Assets$168,824NetVlNoncharitableAssetsAmt
Minimum Investment Return$8,441MinimumInvestmentReturnAmt

Distributable Amount DistributableAmountGrp

FieldValueIRS element (for citing)
Minimum Investment Return$8,441MinimumInvestmentReturnAmt
Tax Based On Investment Income$182TaxBasedOnInvestmentIncomeAmt
Total Tax$182TotalTaxAmt
Distributable Before Adj$8,259DistributableBeforeAdjAmt
Distributable Before Ded$8,259DistributableBeforeDedAmt
Distributable As Adjusted$8,259DistributableAsAdjustedAmt

PF Qualifying Distributions PFQualifyingDistributionsGrp

FieldValueIRS element (for citing)
Expenses And Contributions$10,554ExpensesAndContributionsAmt
Qualifying Distributions$10,554QualifyingDistributionsAmt

Undistributed Income UndistributedIncomeGrp

FieldValueIRS element (for citing)
Distributable As Adjusted$8,259DistributableAsAdjustedAmt
Excess Distribution Cyov Yr5$2,785ExcessDistributionCyovYr5Amt
Excess Distribution Cyov Yr4$1,759ExcessDistributionCyovYr4Amt
Excess Distribution Cyov Yr3$2,053ExcessDistributionCyovYr3Amt
Excess Distribution Cyov Yr2$3,155ExcessDistributionCyovYr2Amt
Excess Distribution Cyov Yr1$2,553ExcessDistributionCyovYr1Amt
Total Excess Distribution Cyov$12,305TotalExcessDistributionCyovAmt
Qualifying Distributions$10,554QualifyingDistributionsAmt
Applied To Current Year$8,259AppliedToCurrentYearAmt
Remaining Distri From Corpus$2,295RemainingDistriFromCorpusAmt
Total Corpus$14,600TotalCorpusAmt
Undistributed Income CY$0UndistributedIncomeCYAmt
Excess Distri Cyov From Yr5$2,785ExcessDistriCyovFromYr5Amt
Excess Distri Cyov To Next Yr$11,815ExcessDistriCyovToNextYrAmt
Excess From Year4$1,759ExcessFromYear4Amt
Excess From Year3$2,053ExcessFromYear3Amt
Excess From Year2$3,155ExcessFromYear2Amt
Excess From Year1$2,553ExcessFromYear1Amt
Excess From Current Year$2,295ExcessFromCurrentYearAmt

Supplementary Information SupplementaryInformationGrp

Application Submission Info ApplicationSubmissionInfoGrp

FieldValueIRS element (for citing)
Recipient PersonCLEAR LAKE BANK TRUST ANNE FLYNNRecipientPersonNm

Recipient US Address RecipientUSAddress

FieldValueIRS element (for citing)
Address Line1100 EAST STATE STAddressLine1Txt
CityMASON CITYCityNm
State AbbreviationIAStateAbbreviationCd
ZIP50401ZIPCd
FieldValueIRS element (for citing)
Recipient Phone6414232457RecipientPhoneNum
Form And Info And MaterialsCOMPLETED APPLICATIONFormAndInfoAndMaterialsTxt
Submission DeadlinesMAY 1SubmissionDeadlinesTxt
Restrictions On AwardsSTUDENTS WHOSE ELEMENTARY EDUCATION WAS ACQUIRED AT LEAST IN PART AT JEFFERSON ELEMENTARY SCHOOL IN MASON CITY, IA.RestrictionsOnAwardsTxt

Grant Or Contribution Pd Dur Yr GrantOrContributionPdDurYrGrp (11 entries)

Address Line1RecipientUSAddress/AddressLine1TxtCityRecipientUSAddress/CityNmState AbbreviationRecipientUSAddress/StateAbbreviationCdZIPRecipientUSAddress/ZIPCdRecipient RelationshipRecipientRelationshipTxtRecipient Foundation StatusRecipientFoundationStatusTxtGrant Or Contribution PurposeGrantOrContributionPurposeTxtAmtAmt
TRINITY LUTHERAN CHUCH
213 N PENNSYLVANIA AVEMASON CITYIA50401NONEPCGENERAL DONATION$3,324
UNITED WAY OF NORTH CENTRAL IOWA
2911 4TH ST SEMASON CITYIA50401NONEPCGENERAL DONATION$831
BETH DEGRAWIOWA STATE UNIVERSITY
210 BEARDSHEAR HALLAMESIA50011NONECOLLEGE SCHOLARSHIP$322
EMMA GARRETTCENTRAL COLLEGE
812 UNIVERSITY STPELLAIA50219NONECOLLEGE SCHOLARSHIP$620
BRITTA ELSBERNDLUTHER COLLEGE
700 COLLEGE DRIVEDECORAHIA52101NONECOLLEGE SCHOLARSHIP$620
GRETCHEN GARRETTUNI
1227 W 27TH STCEDAR FALLSIA50614NONECOLLEGE SCHOLARSHIP$619
JENNA BRAUNIOWA CENTRAL
1 TRITON CIRFORT DODGEIA50501NONECOLLEGE SCHOLARSHIP$620
CONNOR DALENUNIVERSITY OF IOWA
105 JESSUP HALLIOWA CITYIA52242NONCOLLEGE SCHOLARSHIP$620
HALE RHODESCOE COLLEGE
1220 1ST AVE NECEDAR RAPIDSIA52402NONECOLLEGE SCHOLARSHIP$297
ANGELINA FRANKUNIVERSITY OF IOWA
105 JESSUP HALLIOWA CITYIA52242NONCOLLEGE SCHOLARSHIP$297
MAGGIE GERRIETTSWARTBURG COLLEGE
100 WARTBURG BLVDWAVERLYIA50677NONECOLLEGE SCHOLARSHIP$297
FieldValueIRS element (for citing)
Total Grant Or Contri Pd Dur Yr$8,467TotalGrantOrContriPdDurYrAmt

Analysis Income Producing Acty AnalysisIncomeProducingActyGrp

Int On Sav And Temp Cash Invst IntOnSavAndTempCashInvstGrp

FieldValueIRS element (for citing)
Exclusion14ExclusionCd
Exclusion$195ExclusionAmt

Dividends And Interest From Sec Dtl DividendsAndInterestFromSecDtl

FieldValueIRS element (for citing)
Exclusion14ExclusionCd
Exclusion$4,121ExclusionAmt

Gain Sales Ast Oth Than Invntry GainSalesAstOthThanInvntryGrp

FieldValueIRS element (for citing)
Exclusion18ExclusionCd
Exclusion$10,138ExclusionAmt

Subtotals Incm Producing Acty SubtotalsIncmProducingActyGrp

FieldValueIRS element (for citing)
Exclusion$14,454ExclusionAmt
FieldValueIRS element (for citing)
Total Income Producing Acty$14,454TotalIncomeProducingActyAmt

Trnsfr Trans Rln Nonchrtbl EO TrnsfrTransRlnNonchrtblEOGrp

FieldValueIRS element (for citing)
Trnsfr Of Cash To Nonchrtbl EOfalseTrnsfrOfCashToNonchrtblEOInd
Trnsfr Other Asset Nonchrtbl EOfalseTrnsfrOtherAssetNonchrtblEOInd
Sales Or Exchanges Of AssetsfalseSalesOrExchangesOfAssetsInd
Purchase Of Assets Nonchrtbl EOfalsePurchaseOfAssetsNonchrtblEOInd
Rental Of Facilities Oth AssetsfalseRentalOfFacilitiesOthAssetsInd
Reimbursement ArrangementsfalseReimbursementArrangementsInd
Loans Or Loan GuaranteesfalseLoansOrLoanGuaranteesInd
Performance Of Services EtcfalsePerformanceOfServicesEtcInd
Sharing Of Facilities EtcfalseSharingOfFacilitiesEtcInd
Relationships Nonchrtbl EOfalseRelationshipsNonchrtblEOInd

Accounting Fees Schedule AccountingFeesSchedule

Accounting Fees Detail AccountingFeesDetail (2 entries)

CategoryCategoryTxtAmtAmtNet Investment IncomeNetInvestmentIncomeAmtDisbursements Charitable PrpsDisbursementsCharitablePrpsAmt
CPA PREPARATION FEE$715$179$536
TAX PREPARATION FEE$120$30$90

Investments Corp Stock Schedule InvestmentsCorpStockSchedule

Investments Corporate Stock InvestmentsCorporateStockGrp (3 entries)

StockStockNmEOY Book ValueEOYBookValueAmtEOYFMVEOYFMVAmt
VANGUARD TOTAL STOCK MKT INDEX$28,431$73,735
VANGUARD TOTAL INTERNATIONAL$19,911$20,386
VANGUARD TOTAL BOND MTK INDEX ADM$84,454$76,468

Legal Fees Schedule LegalFeesSchedule

Legal Fees LegalFeesGrp

FieldValueIRS element (for citing)
CategoryATTORNEY FEECategoryTxt
Legal Fees$602LegalFeesAmt
Net Investment Income$151NetInvestmentIncomeAmt
Disbursements Charitable Prps$451DisbursementsCharitablePrpsAmt

Other Expenses Schedule OtherExpensesSchedule

Other Expenses Schedule OtherExpensesScheduleGrp (2 entries)

DescDescRevenue And Expenses Per BooksRevenueAndExpensesPerBooksAmtNet Investment IncomeNetInvestmentIncomeAmtDisbursements Charitable PrpsDisbursementsCharitablePrpsAmt
EXPENSES
COURT COSTS$20$10$10

Taxes Schedule TaxesSchedule

Taxes Detail TaxesDetail

FieldValueIRS element (for citing)
CategoryTAX ON INVESTMENT INCOMECategoryTxt
Amt$82Amt

Comments

Anonymous: no account or email. Up to 2,000 characters, at most one link. Comments are checked automatically; some wait for review.