{"id":23225,"date":"2019-12-19T19:04:32","date_gmt":"2019-12-19T18:04:32","guid":{"rendered":"https:\/\/everyday.ng\/?p=23225"},"modified":"2019-12-19T19:04:32","modified_gmt":"2019-12-19T18:04:32","slug":"whistleblower-alleges-100-billion-secret-stockpile-by-mormon-church","status":"publish","type":"post","link":"https:\/\/everyday.ng\/?p=23225","title":{"rendered":"Whistleblower Alleges $100 Billion Secret Stockpile By Mormon Church"},"content":{"rendered":"

By Paul Glader,<\/strong> <\/em>ReligionUnplhugged.com<\/strong>
\nNEW YORK \u2014 A whistleblower complaint filed at the Internal Revenue Service in November by a knowledgeable church member alleges that a non-profit supporting organization controlled by the Church of Jesus Christ of Latter-day Saints used member tithes to amass more than $100 billion in a set of investment funds and the Church misled members about uses of the money.
\nThe complaint may be the most important look at LDS finances in decades, a\u00a0window into\u00a0one of the wealthiest religious organizations in the United States and the world. Details of the IRS filing reveal financial assets largely hidden from the church\u2019s membership (often known as\u00a0\u201cMormons\u201d) and the public view.
\nThe 74-page document filed with the IRS and obtained by Religion Unplugged shows that Ensign Peak Advisors, Inc. (EPA) owned assets under management grew to more than $100 billion from $10 billion in the past 22 years, fueled by a mix of investment strategy and tithe money from church members.
\nReligion Unplugged reached EPA\u2019s managing director Roger Clark by phone on Monday, offering to explain key parts of this story and to ask questions for EPA to give a response. \u201cWe don\u2019t really answer questions with the public press. So thanks,\u201d he said, before hanging up the phone.
\nEnsign Peak Advisors’ articles of incorporation confirm Ensign Peak is an arm of the Church of Jesus Christ of Latter-day Saints. As registered under section 509(a)3 of the Internal Revenue Code, Ensign Peak Advisors, Inc. (EPA) is a \u201csupporting organization\u201d of the Church under article 3 in its registration document. Upon dissolution, all Ensign Peak assets go the Church or affiliated organizations according to article 5 and that article cannot be changed without \u201cthe written consent of The First Presidency\u201d of the Church. Because Ensign Peak Advisers is a support organization to a church it is not subject to disclosure requirements that other non-profit organizations are required to make.
\nA former Church member in Minnesota named Lars Nielsen\u00a0published a 74-page document filed with the IRS that makes several allegations. The filing also included several internal EPA documents including an EPA Policy book, an EPA master plan, an EPA New Staff Orientation Guide, statements of financial condition and data downloads and analysis of the firm\u2019s investment portfolio. One presentation slide in the document from March of 2013 is labeled\u00a0\u201cNew Staff Orientation Deck\u201d\u00a0and shows a Church investment governance\u00a0structure including a\u00a0\u201cCouncil on Disposition of Tithes\u201d that allocates funds from tithes to holding organizations in the church such as EPA.
\nNielsen learned of the allegations from an LDS church member, who prefers to be unnamed. The whistleblower worked with Nielsen on a two-month research project to research and explain the inner workings of EPA. The complaint (Form 211) was filed with the IRS whistleblower office on Nov. 15, 2019 and received by the IRS on Nov. 22, 2019. Nielsen has chosen to go public with the allegations by releasing the report online and explaining the allegations in videos.
\n\u201cI started to suspect that EPA was not compliant with its 501c3 or acting in accordance with its Articles of Incorporation around 2013,\u201d the whistleblower writes on a notarized cover letter to the IRS obtained by Religion Unplugged. \u201cI raised several flags and concerns over the years.\u201d
\nA secret $100 billion stockpile
\nThe document tallies assets in EPA using downloaded\u00a0spreadsheets of assets from across its portfolio from March 22, 2018. The document indicates that the firm receives billions each year from tithe revenue \u2014 the donations church members make to the church \u2014\u00a0and estimates EPA assets from tithes and investment growth is more than $100 billion at present.
\nThe organization\u2019s IRS 990-t forms also show an opaque but growing organization. In 2007, the organization listed \u201cinvesting\u201d as its primary business activity, lists a $1 million book value of all assets at year end. In 2015, it listed a book value \u201cover\u201d $1 million. By 2017, EPA listed \u201cinvesting in partnerships\u201d as its primary business, did not disclose its book value, reported $17.6 million in capital gain net income and lists $1.25 million as tax overpayment. Meanwhile, a letter on EPA stationery from Jan. 9, 2017, signed by vice president Greg Tarbet offered credit information about the firm saying, \u201cEnsign Peak does not distribute financial statements. Assets, however, are well in excess of $5 billion, and Ensign Peak is essentially without debt.\u201d
\nAn internal EPA slide presentation from 2013 states that during the financial crisis period of 2008 and 2009, the firm \u201cexperienced a temporary drawdown\u201d of close to $13 billion, noting that amount was greater than 30 percent of its portfolio at the time.
\nThe whistleblower complaint said EPA had 75 employees in 2019, up from 20 in 2010. They work in a building\u00a0in Salt Lake City, Utah,\u00a0(60 East South Temple, Suite 400) that does not have a sign on the building or in the downstairs lobby according to the complaint. The company does not have a public web site. A LinkedIn search of Ensign Peak Advisors lists 64 people who work there including people in typical finance roles such as compliance officer, investment manager, investment analyst, portfolio manager, equity trader, private equity associate and accountant.
\n\u201cSupporting organizations raise funds. They invest funds. Depending on how the investment fund was set up, it could well be proper,\u201d says Arthur Rieman, an attorney at The Law Firm for Non-Profits in Studio City, Calif. \u201cIf it\u2019s set up as an investment fund and increased 1,000 percent in 20 years, that\u2019s a pretty good return.\u201d
\nThe whistleblower document alleges that EPA has given away $0 to religious, educational or charitable purposes.\u00a0Non-profit experts such as Rieman note that EPA\u2019s registration as a 509(a)3 supporting organization to the LDS Church could protect it from having to make charitable distributions because churches are not required to disclose finances to the public.
\n\u201cThe Church of Jesus Christ of Latter-day Saints pays all taxes that are required by law,\u201d says\u00a0an LDS Church statement\u00a0about its tax status.
\nNielsen says the Mormon \u201cgiga-church\u201d needs \u201ca place to park its cash\u201d and has used EPA to do so. Nielsen alleges EPA grew from regular tithes by members of the LDS Church, most of whom had no idea of how their money was being spent or invested given the lack of public financial disclosure by the church since 1959.
\nCertainly, other religions and denominations \u2014 Islam, Hinduism, Judaism, Catholicism, Episcopalians, Orthodox Christians and protestants \u2014 have property and wealth. Calculating that wealth is often difficult because of varied organization structures. For example,\u00a0Catholic News Service reported in June\u00a0that the Institute for the Works of Religion, often referred to the Vatican bank, held assets worth $5.6 billion at the end of 2018. But that does not capture the vast real estate and financial profile of the Roman Catholic Church and its thousands of dioceses around the world,\u00a0according to experts who spoke with TheStreet.com in 2015.
\nHistoric Significance
\nIf true as the whistleblower alleges, the size of the LDS Church holdings at EPA would represent a massive pool of capital of interest to the financial world, which pays close attention to the investment moves of large pension funds and major university endowments.
\nReligion Unplugged called the media relations office of the LDS Church on Monday and sent several questions by email. Church spokesman Eric D. Hawkins responded by email saying, \u201cthe Church does not provide information about specific transactions or financial decisions.\u201d He sent language from the Church\u2019s website such as its \u201cPrinciples of Church Finances\u201d section that includes, \u201cFollowing sound financial principles over an extended period of time, the Church has grown from meager beginnings into a worldwide organization able to support its divine mission.\u201d
\nExhibits in the whistleblower complaint include internal documents, a masterplan and presentation slides from EPA where it describes the purposes of its reserves to support prophetic initiatives, church operating budgets, backstops to pension plans and collateral for church purposes.
\n\u201cThe corporation\u2019s property is irrevocably dedicated to religious, educational and charitable purposes meeting the requirements for exemption provided by Section 501(c)3 of the Internal Revenue Code, and no part of the net income or assets of this corporation shall ever inure to the benefit of any trustee, officer or member thereof or to the benefit of any private person,\u201d says one provision of the Articles of Incorporation.
\nThe filing to the IRS alleges\u00a0that\u00a0EPA has made zero religious, educational or charitable distributions in 22 years. According to tax experts, that may not be a problem for a 509(a)3 organization, depending on more nuanced details of its registration which are not publicly available on the IRS website or the organizations 990-t annual filings.
\n\u201cEPA is the reserve of the reserves,\u201d a whistleblower is quoted as saying in the document. It\u00a0suggests\u00a0tithing surplus flows to EPA where it is \u201cmerged, sliced and diced into portfolios and limited liability companies designed to fly under radars and reporting limits.\u201d The document obtained by Religion Unplugged makes several additional allegations about EPA.
\nCity Creek Center Mall
\nThe complaint alleges a series of payments from EPA totaling $1.4 billion to help construct the\u00a0City Creek Center mall\u00a0in Temple Square in downtown Salt Lake City, Utah, which features a retractable roof, luxury storefronts and simulated creek with live trout. The LDS Church and its developers aimed to create a new urbanism in downtown Salt Lake City.
\nThe mall was developed by Property Reserve, Inc., which is a commercial real estate division of the Corporation of the President of the Church of Jesus Christ of Latter-day Saints and retail manager Taubman Centers Inc.\u00a0according to a press release from the LDS Church on Oct. 3, 2006. These entities developed the mall during the financial crisis, which caused funding difficulties. The church and developers have not disclosed the entire cost of the mall,\u00a0according to an article in the New York Times on July 9, 2013.
\nThe whistleblower complaint pointed to the LDS church-owned\u00a0Ensign Magazine in 2006 that said\u00a0\u201cno tithing funds will be used in the redevelopment\u201d of the area downtown. A year later, in 2007, the church-owned newspaper,\u00a0The Deseret News, reported\u00a0that \u201cMoney for the project is not coming from the LDS Church members\u2019 tithing donations. City Creek Center is being developed by Property Reserve Inc., the church\u2019s real-estate development arm, and its money comes from other real-estate ventures.\u201d And\u00a0local TV station KUTV on Oct. 3, 2006, also reported\u00a0Presiding Bishop of the church H. David\u00a0Burton saying no tax dollars or tithes will be used in construction.
\nThe whistleblower complaint alleges that $1.4 billion of funding from EPA did go toward the mall project and came from a funding pool that included tithing dollars. A slide from an EPA internal presentation dated March 2013 and titled \u201cFramework and Exposures\u201d indicates $1.4 million was paid to the City Creek project over five years.
\nThe mall opened in 2012 with 100 stores in more than 700,000 square feet of retail space and is part of downtown Salt Lake City revitalization plans that includes office space and residential towers.\u00a0\u201cNo one will mistake it for the East Village, but downtown is starting to become a place people actually seek out to eat and play,\u201d said Jason Mathis of the Downtown Alliance\u00a0to the Times article in 2013.
\nThe City Creek Mall rose as a competitor to another similar-sized downtown retailer called Gateway mall, which opened in 2001 by The Boyer Co. ahead of the 2002 Winter Olympics in Salt Lake City and was later sold to Illinois-based Retail Properties of America Inc.\u00a0The Salt Lake Tribune reported\u00a0on Jan. 16, 2015, that Gateway saw its credit status, retailer occupancy and retail sales decline after City Creek opened.
\nNew York-based Moody\u2019s Investors Service noted that Gateway\u2019s occupancy rate dropped from 96 percent in 2010 to 78 percent in 2015 as an Apple Store and others decamped from Gateway to City Creek. Moody\u2019s noted the mall\u2019s reported value dropped from $163 million in 2010 to $75 million in 2014. The Tribune reported Gateway\u2019s annual sales fell from $210 million in 2011 to $100 million in 2013, citing data from the Utah Tax Commission. At the same time, City Creek\u2019s revenues grew from zero to $250 million. Local\u00a0news outlets reported\u00a0that Gateway Mall became a \u201cghost town\u201d and saw an \u201cuptick in crime, drug and homeless activity.\u201d It was sold to a new owner, Vestar, in 2016 which reportedly invested $100 million into the property.
\nOne member of the Corporation of the Presiding Bishopric and an executive in the LDS for-profit businesses, Keith McMullin,\u00a0told Bloomberg BusinessWeek in 2012\u00a0that tithes do not go to the church\u2019s for-profit endeavors and did not go to City Creek Center.
\nThe whistleblower complaint to the IRS raises the question of whether church leaders such as McMullin made honest or false public statements about financing sources for the mall project both before and after construction of the mall.
\nWhen asked about tithe funds being used in the City Creek project contradicting what the church leaders said, LDS Church spokesman Eric D. Hawkins sent language\u00a0from a church statement\u00a0that said the City Creek development is a way \u201cthe Church enhanced the environs of Temple Square and underscored a commitment to Salt Lake City, Utah, where it is headquartered.\u201d
\nMormon Inc.
\nThe Church of Jesus Christ of Latter-day Saints is one of the most economically successful religious organizations in the United States, defying a history of persecution. Mormons settled in Utah after they were attacked by mobs at times during their nearly 200-year history and forced to flee previous locations in upstate New York, Ohio, Missouri and Illinois.
\nLDS members in the resulting nearly two centuries have founded companies, become elected to federal offices and written best-selling books. And, in the early days, LDS Church leaders set up hundreds of businesses in Utah to help build a functioning economy. Early efforts to force church members to patronize LDS-owned businesses led to the U.S. Congress passing the Edmunds-Tucker Act in 1887 to limit vertical integration and monopolies by the LDS Church.
\nThe President of the LDS Church, currently Russell M. Nelson,\u00a0presides over 18,000 churches, 217 temples, four universities, three media companies and dozens of other properties along with EPA.
\nPew Research Center data shows 97 percent of LDS members consider themselves Christian but only 51 percent of U.S. adults consider Mormonism as a Christian religion. Pew data also shows that LDS members are more highly involved in their congregations than any sector of Christianity, surpassing Protestants, Catholics and Orthodox Christians alike.\u00a0In the book \u201cPassing the Plate,\u201d\u00a0Christian Smith writes\u00a0that most Christians give away 2 percent or less of their income while Mormons averaged 5.2 percent.
\nTIME Magazine published a cover story (\u201cMormons Inc.\u201d)\u00a0expose\u00a0by David Van Biema in 1997 titled\u00a0\u201cKingdom Come\u201d that showed\u00a0the growing financial power of the LDS church. It said \u201cSalt Lake City was just for starters \u2013 The Mormons\u2019 true great trek has been to social acceptance and a $30 billion church empire.\u201d The story examined the extensive agricultural holdings, radio station chains, life insurance companies and other assets. \u00a0\u201cThere is no major church in the U.S. as active as the Latter-day Saints in economic life, nor, per capita, as successful at it.\u201d\u00a0The piece argued that Roman Catholics have more wealth than Mormons but the Catholic Church had 45 times as many members in 1997.
\n\u201cThe Mormon Church is by far the most numerically successful creed born on American soil and one of the fastest growing anywhere,\u201d Van Biema and colleagues wrote. \u201cIts U.S. membership of 4.8 million is the seventh largest in the country, while its hefty 4.7% annual American growth rate is nearly doubled abroad, where there are already 4.9 million adherents.\u201d
\nNow, 22 years later, the church is up to\u00a016.3 million members by Dec. 31, 2018,\u00a0according to its communication and public relations department. The report states 102,102 new births in 2018 and 234,332 new converts to the church which reports 65,000 full-time missionaries around the world. Meanwhile,\u00a0some Utah news outlets and researchers suggest\u00a0church membership growth is sputtering.
\nNewsweek published a story on June 5, 2011,\u00a0by novelist Walter Kirn titled \u201cThe Mormon Moment\u201d\u00a0noting that the LDS Church, \u201cresembles a sanctified multinational corporation \u2013 the General Electric of American religion, with global ambitions and an estimated net worth of $30 billion.\u201d It noted that then presidential candidate Mitt Romney was a wealthy and powerful member of the Mormon church as was fellow presidential candidate Jon Huntsman Jr. Senate majority leader Harry Reid was Mormon at the time as well.
\nBloomberg News estimated\u00a0the net worth of LDS church assets at around $40 billion in 2012. The whistleblower estimates a closer net-worth figure of the church could be $200 billion or more when you include EPA along with vast agricultural and property holdings.
\nA church-managed investment portfolio represents a newer area for the church. When asked to confirm or deny the whistleblower allegation that the Church has amassed more than $100 billion in owned assets under management, the LDS Church spokesman pointed again to online statements from the church such as:
\n\u201cThe Church\u2019s reserves are overseen by Church leaders and managed by professional advisers, consistent with wise and prudent stewardship and modern investment management principles. Ultimately, all funds earned by the Church\u2019s investments go back to supporting its mission to invite souls to come unto Christ.”
\nTithing Culture
\nThe Church\u2019s auditing department publishes a short statement every year without giving more financial disclosure. \u201cChurch Auditing is of the opinion that, in all material respects, contributions received, expenditures made, and assets of the Church for the year 2017 have been recorded and administered in accordance with approved Church budgets, policies, and accounting practices. The Church follows the practices taught to its members of living within a budget, avoiding debt, and saving against a time of need,\u201d\u00a0said the statement for 2017, read aloud every April in the Saturday afternoon session of its General Conference.
\nAuthor Jana Riess\u00a0wrote a piece at Religion News Service in December of 2019\u00a0titled, \u201cI just paid my Mormon tithing. Why don\u2019t I feel better about it?\u201d She notes that December is a time when Mormons are supposed to sit down with their bishops to \u201cdeclare\u201d themselves. That means \u201cAre you a full tithe-payer (10%), a partial tithe-payer (something less than 10%) or a non-tithe payer?\u201d
\nRiess noted that the LDS church stopped making disclosures to its members about its use of money in 1959 because the church \u201cwas on the brink of financial disaster\u201d that year. She suspects the non-disclosure policy continues \u201cnot because the church is poor or indebted, but because it has grown wealthy enough that exposing the extent of its holdings could cause embarrassment and prompt unwanted questions.\u201d
\nSamuel D. Brunson, the Georgia Reithal Professor of Law at Loyola University in Chicago, writes that this practice dates back to at least 1906 and, today, \u201cprovides the sole window into the global finances of the LDS Church.\u201d In the Spring 2015 issue of Dialogue: A Journal of Mormon Thought, Brunson\u00a0wrote an article on \u201cLDS Financial Transparency\u201d\u00a0that shows finances were once \u201copen for the inspection of the Saints\u201d according to church records from 1905 and 1906. Brunson writes the Church was more financially accountable to its members between 1915 and 1959. He writes that the LDS Church lost $1 million on municipal bonds in 1956 and spent $8 million more than its income during 1959.
\n\u201cAs a result of its silence about the details of its finances, members, critics, and the interested public have been left to guess at the Church\u2019s wealth and the scope of its charitable spending, among other things,\u201d Brunson writes. \u201cThe Church\u2019s lack of public financial disclosure bothers some\u2014apologists and critics alike\u2014who have requested, in various ways, that the Church return to its former practice of publicly disclosing detailed financial information.\u201d
\nBrunson told TheStreet.com\u00a0that England and Canada have disclosure requirements for religious non-profits but that churches in the U.S. can \u201cdisclose whatever they want\u201d and \u201cwhatever they want can vary.\u201d
\nExperts on the LDS Church note that in Mormonism, the church hierarchy uses tithing as a principal metric to judge the faithfulness of its members. Only tithing members can witness temple marriages of other members, including one\u2019s children and participate in other central rites of the faith. Only \u201ctithing faithful\u201d males can move up in rank of church leadership according to Richard Ostling, a Religion Unplugged columnist who co-authored\u00a0the 2007 book \u201cMormon America: The Power and the Promise.\u201d
\nAaron L. West\u00a0wrote in Ensign\u00a0Magazine in 2012\u00a0quoting a Mormon bishop in El Salvador who said,\u00a0\u201cIf paying tithing means that you can\u2019t pay for water or electricity, pay tithing. If paying tithing means that you can\u2019t pay your rent, pay tithing. Even if paying tithing means that you don\u2019t have enough money to feed your family, pay tithing.\u201d\u00a0(The church\u2019s Ensign Magazine and the EPA fund take their name from Isaiah 5:26 that says, \u201cHe will lift up an ensign to the nations.\u201d)
\nTIME reported in 1997 that $5.2 billion flowed into the LDS Church in 1996, dwarfing the pace of contributions received by other denominations. It noted that the LDS Church sees tithes not just as tools for paying church staff and expenses but, rather, as venture capital to build new temples (normal activity for religious organizations) and also to invest in stocks and bonds as well as for-profit companies in agriculture, travel and real estate. TIME estimated LDS Church investments to be $6 billion in 1997, a figure that may have been under-reported.
\nBy comparison, the Southern Baptist Convention, the largest protestant denomination in the U.S.,\u00a0discloses on its website\u00a0that it received $9.6 billion in giving from the estimated 14.8 million members in its 47,456 cooperating churches in 2017-2018.
\nBrunson notes that some other churches are trying to improve financial disclosure. The Evangelical Council for Financial Accountability (ECFA) accredits churches that prepare accurate financial statements to be reviewed by an independent certified public accountant and which make their financial statements available upon written request.
\n\u201cThe LDS Church similarly has the option to make financial disclosure, whether or not the law demands it. Even without a secular obligation to disclose, the Church might view itself as subject to a divine disclosure mandate,\u201d\u00a0Brunson writes. \u201cBut such a mandate does not explicitly exist in canonized Mormon scripture, and the evidence is strong that Church leaders have never believed they were under such a divine mandate, even at the beginning of the Church.\u201d
\nA cloak of secrecy
\nThe whistleblower complaint alleges that the EPA universe of assets grew by $90 billion between 2009 and 2019 and a large part of that growth came as run-off from tithing income to the church.
\nReligion Unplugged reached out to several former employees of EPA to hear their perspective on the firm and their response to allegations raised in the whistleblower complaint. One former employee, speaking on background, said he greatly respected EPA staff and leadership and didn\u2019t believe the firm needed to practice more transparency. Transparency, he said, is \u201cusually for accountability to those who you have a fiduciary duty to. In this case, they are responsible to themselves. They don\u2019t have investors. I understand if it is a mutual fund where people give their own money to manage. They [EPA] don\u2019t have shareholders.\u201d
\nThe whistleblower complaint noted that a former Head of Fixed Income at EPA, Richard B. Willes, in 2011 advocated for transparency. \u201cThe longer we wait to disclose the more difficult it will be to defend,\u201d the document quotes him as saying. It quotes another member of the asset allocation team saying, \u201cWe\u2019ve got an optics problem here. The lack of distributions sure doesn\u2019t look good.\u201d
\nAn ex-Mormon\u00a0thread on the message board Reddit\u00a0names powerful Utah institutions and calls Ensign Peak Advisors \u201cthe big kahuna of them all\u201d and identifies it as \u201cthe super secretive investment arm of the church.\u201d The author of the Reddit post describes a meeting he had at EPA in which he was asking for a $100 million investment and said the firm saw that amount as a \u201cdrop in the bucket\u201d to them. Religion Unplugged tried to reach the person to learn more.
\nOther websites online such as\u00a0Salamander Society has discussion threads\u00a0asked LDS tithe payers to contact church headquarters and request financial disclosure of church assets and to obtain any response other than \u201cSorry, that information is not available.\u201d
\nIn response to Religion Unplugged\u2019s questions about financial disclosure, the church media relations department sent links to statements on the Church web site. \u201cWhile the Church chooses not to publish the details of its finances, the Church does provide public information on the financial principles it follows, the financial controls in place to protect Church funds and the source and use of these funds,\u201d\u00a0according to a frequently asked question section\u00a0on the LDS Church web site. \u201cThe Church also provides all financial information required by law.\u201d
\nPaul Glader is executive editor of ReligionUnplugged.com and on Twitter @PaulGlader.
\nPaul GladerDecember 16, 2019<\/p>\n","protected":false},"excerpt":{"rendered":"

By Paul Glader, ReligionUnplhugged.com NEW YORK \u2014 A whistleblower complaint filed at the Internal Revenue Service in November by a knowledgeable church member alleges that a non-profit supporting organization controlled by the Church of Jesus Christ of Latter-day Saints used member tithes to amass more than $100 billion in a set of investment funds and […]<\/p>\n","protected":false},"author":7,"featured_media":23226,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5772],"tags":[534,535,536],"class_list":["post-23225","post","type-post","status-publish","format-standard","has-post-thumbnail","category-faith","tag-100b","tag-mormon","tag-tithe"],"_links":{"self":[{"href":"https:\/\/everyday.ng\/index.php?rest_route=\/wp\/v2\/posts\/23225","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/everyday.ng\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/everyday.ng\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/everyday.ng\/index.php?rest_route=\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/everyday.ng\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=23225"}],"version-history":[{"count":0,"href":"https:\/\/everyday.ng\/index.php?rest_route=\/wp\/v2\/posts\/23225\/revisions"}],"wp:attachment":[{"href":"https:\/\/everyday.ng\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=23225"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/everyday.ng\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=23225"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/everyday.ng\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=23225"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}