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Gold IRA Fees: How to Tell If You Overpaid

Published September 6, 2026 · Updated September 6, 2026 · Gold IRA Clarity Editorial Team

The short answer

Gold IRA fees include one-time account setup charges, annual custodian maintenance costs, secure depository storage fees, and dealer markups on metal purchases. Unlike standard retirement accounts that hold paper assets, precious metals IRAs require specialized administration and physical vaulting, which create distinct ongoing expenses that impact overall long-term investment performance.

Key takeaways

  • Gold individual retirement arrangements require ongoing administration, vault storage, and dealer spreads that differ from standard stock or bond accounts.
  • The Internal Revenue Service establishes strict annual contribution caps, such as 7,500 dollars for 2026, or 8,600 dollars for individuals aged 50 and older.
  • Account owners must take required minimum distributions starting at age 73 from traditional arrangements to avoid substantial excise tax penalties.
  • The Internal Revenue Service does not approve specific investments, making independent fee verification and record review essential for every saver.

Setting up a precious metals retirement arrangement involves understanding a distinct set of operational rules, administrative costs, and regulatory requirements. Unlike traditional accounts that hold mutual funds or equities, a precious metals retirement plan requires physical assets to be purchased, shipped, securely stored, and maintained under the supervision of a qualified custodian. For savers planning their retirement, learning how gold ira fees operate is a fundamental step in protecting hard earned wealth from unnecessary expenses.

Many retirees open these accounts with the goal of diversifying their savings, but they often encounter confusing fee schedules, transaction markups, and ongoing storage bills. Whether you are reviewing an account you already fund or examining your options before transferring assets, having total clarity on every charge helps you evaluate overall value. Understanding the true mechanics of these fees ensures that your retirement plan remains fully compliant with federal tax laws while minimizing friction on your capital.

This comprehensive guide details the cost structure of precious metals retirement accounts, breaks down the rules established by the Internal Revenue Service, and explains how to inspect your statements for unexpected charges. By reviewing contribution limits, distribution rules, and administrative duties, you can gain complete control over your retirement planning and make informed financial decisions.

What should someone know about gold ira fees?

An account owner must know that gold ira fees consist of one-time account establishment costs, recurring annual administration charges, secure depository storage fees, and dealer pricing markups. These costs are paid to separate entities that manage the legal compliance, custody, and physical security of your precious metals.

A precious metals retirement plan is a specialized form of self-directed individual retirement arrangement. When you hold physical metals in a tax-advantaged account, federal law requires that a qualified custodian maintain custody of the assets and oversee all tax reporting requirements. Because physical commodities require specialized handling, the custodian charges administration fees to maintain your records, file annual tax forms with the Internal Revenue Service, and process administrative requests. Reviewing the detailed resources in the Gold IRA learning hub can help you master the foundational structure of these specialized accounts. (irs.gov)

In addition to custodial administration, physical metals must reside in an approved storage facility rather than a home safe or safety deposit box. Depository vaults charge annual storage fees to cover continuous security monitoring, physical vault space, routine auditing, and comprehensive insurance policies. These storage fees are billed separately or collected through your custodian, representing a recurring operational cost that continues for as long as the metals remain in the vault.

Transaction expenses also represent a major component of your total investment cost. When you purchase bullion bars or coins, the precious metals dealer applies a spread, which is the difference between the underlying spot price of the metal and the retail price you pay. If you ever decide to liquidate your holdings, a similar spread applies when the dealer buys the metal back. Understanding how these markups work is essential because high initial markups require greater metal price appreciation just to break even.

Finally, account holders must remain aware of ancillary service fees that custodians charge for routine transactions. These can include wire transfer charges, account termination fees, and physical distribution delivery charges when taking in-kind distributions. By examining each fee category individually, you can accurately calculate the total annual cost of maintaining your retirement arrangement.

  • Custodian setup fees charged once when opening your individual retirement arrangement.
  • Annual maintenance charges for tax reporting, account statements, and administrative record keeping.
  • Depository vault fees for segregated or non-segregated physical asset storage and insurance.
  • Dealer transaction markups that create a gap between market spot price and purchase cost.
Core Fee Categories for Precious Metals Individual Retirement Arrangements

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  • Fee Category
    Custodial Account Setup
    Service Provided
    Establishes the legal self-directed retirement account and registers ownership records.
    Billing Schedule
    One-time charge upon opening
    Impact on Retirement Savings
    Reduces the starting cash balance available to acquire precious metals.
  • Fee Category
    Annual Custodial Administration
    Service Provided
    Covers regulatory record keeping, statement production, and IRS Form 5498 filing.
    Billing Schedule
    Recurring annual charge
    Impact on Retirement Savings
    Creates a predictable administrative overhead deducted annually from cash or liquidated assets.
  • Fee Category
    Depository Vault Storage
    Service Provided
    Provides secure physical vault storage, institutional security, and continuous insurance coverage.
    Billing Schedule
    Recurring annual charge
    Impact on Retirement Savings
    Compounds over time, requiring ongoing cash maintenance in the retirement arrangement.
  • Fee Category
    Dealer Transaction Spread
    Service Provided
    Covers the commercial margin between wholesale spot value and retail coin or bar pricing.
    Billing Schedule
    Incurred on each purchase or sale
    Impact on Retirement Savings
    Creates an immediate hurdle that the price of precious metals must overcome before showing gain.

What are the downsides of a gold IRA?

The primary downsides of a gold IRA include ongoing storage and administration fees, the lack of yield or dividend income, physical liquidation friction, and strict Internal Revenue Service distribution rules. These factors mean that physical precious metals function differently than dividend-producing equities or interest-bearing bonds.

One major drawback of a precious metals individual retirement arrangement is that physical gold does not produce ongoing income. Unlike stocks that may pay quarterly cash dividends or corporate and government bonds that pay regular interest, a gold bar or coin generates zero yield while sitting inside a vault. The total economic return of the asset depends entirely on capital appreciation over time. When combined with recurring custodial and storage fees, an account with flat metal prices will gradually decline in total value.

Liquidity and distribution mechanics present another practical challenge for retirees. When the time comes to satisfy annual living expenses or required minimum distributions, you cannot simply write a check against physical bars. You must instruct your custodian to sell a portion of your metal through a dealer, wait for the transaction to settle, and transfer the resulting cash, or pay shipping and insurance fees to take a physical distribution of the coins. If you want a neutral review of your paperwork to spot unnecessary fees, you can have your existing Gold IRA reviewed by an independent professional.

Custodial requirements also eliminate the ability to hold personal custody of the physical metal while maintaining tax-deferred status. The Internal Revenue Service mandates that qualified institutional custodians hold retirement assets to ensure compliance and proper tax reporting. Attempting to take personal delivery of retirement metals outside of a formal distribution triggers severe tax penalties and income tax liabilities.

Lastly, price volatility in the precious metals commodity market can create unpredictable account balances. While gold is frequently purchased to hedge against broader economic uncertainty, the price of gold bullion can experience prolonged downturns or multi-year stagnation. Retirees who rely on their retirement accounts for mandatory annual distributions may be forced to liquidate metals during unfavorable market conditions.

  • Physical precious metals generate no dividend payments, interest income, or corporate yields.
  • Recurring custodial administration and vault storage charges apply regardless of account performance.
  • Distributions require selling metal through dealers or arranging secure physical shipping.
  • Strict federal storage rules prohibit storing retirement assets at home or in personal bank boxes.

Is it better to buy physical gold or a gold IRA?

Choosing between physical gold held personally and a gold IRA depends entirely on whether you prioritize immediate physical possession or tax-deferred retirement growth. A gold IRA provides tax advantages under federal law but requires institutional custody, whereas direct physical purchases offer direct control without tax sheltering.

Buying physical gold directly outside of a retirement structure gives the purchaser immediate personal possession and total physical control. When you purchase bullion coins or bars with post-tax personal funds, you can store them at home, place them in a private safe deposit box, or use a private vault facility of your choice. You face no custodial rules, no mandatory distribution schedules, and no regulatory restrictions on when or how you transfer or sell your property.

However, direct ownership of physical gold outside a retirement vehicle lacks the tax advantages provided by the Internal Revenue Code. When you hold precious metals in a taxable personal account, selling the metal for a profit triggers capital gains taxes. Furthermore, purchasing gold outside a retirement arrangement requires you to use post-tax income, meaning you receive no upfront tax deductions on your purchase.

In contrast, a precious metals individual retirement arrangement allows individuals to purchase eligible bullion using pre-tax funds through a traditional arrangement or post-tax funds through a Roth structure. In a traditional arrangement, contributions may be tax-deductible, and your investments grow with tax deferral until retirement distributions begin. In a Roth arrangement, contributions are made with after-tax money, but qualified distributions during retirement are completely tax-free.

The trade-off for these substantial tax advantages is strict compliance with federal custody rules. You cannot physically store your retirement metals at home, and all transactions must flow through an approved custodian and depository. Before entering any retail transaction, you should evaluate what to check before you buy to ensure the structure matches your personal retirement strategy.

  • Personal physical gold offers direct physical possession without custodial oversight or annual paperwork.
  • Gold retirement accounts provide tax deductions or tax-free growth under federal retirement regulations.
  • Taxable physical gold sales may trigger capital gains taxes upon liquidation.
  • Retirement arrangements require approved depository storage and strict adherence to distribution rules.

Why does Dave Ramsey say not to invest in gold?

Prominent personal finance personalities such as Dave Ramsey advise against investing in gold because commodities do not produce active business earnings, generate dividends, or offer compounding growth like productive commercial enterprises. They argue that long-term wealth creation is better achieved through diversified, productive equity investments.

The primary argument against commodity investing presented by mainstream financial commentators centers on the productive nature of capital. When you invest in a company or a diversified index fund, that business produces goods, delivers services, innovates, and generates corporate profits. These profits can be reinvested into research and expansion or distributed directly to shareholders as cash dividends, creating a compounding growth cycle.

Physical commodities like gold, silver, and platinum do not possess internal earnings power. A one-ounce gold coin stored inside a vault will remain exactly a one-ounce coin fifty years later. It produces no products, hires no workers, and pays no regular yield. Its entire valuation is determined by what another market participant is willing to pay for it at a later date, which critics view as speculative rather than productive investing.

Another key criticism relates to the historical rate of return across long economic cycles. Over multi-decade periods, broad equity markets have historically outpaced inflation and precious metal price increases through corporate innovation and earnings growth. Financial educators frequently highlight that holding large concentrations of wealth in non-yielding commodities introduces significant opportunity cost, as that capital could otherwise be compounding in broad market enterprises.

Furthermore, commentators point out that the retail costs associated with precious metals individual retirement arrangements can erode net performance. With dealer markups, account establishment fees, custodial maintenance bills, and depository storage fees, a commodity portfolio carries significant structural overhead. Before committing funds, wise savers have a dealer quote reviewed before you buy to ensure that retail markups do not compromise their long-term security.

  • Commodities lack corporate earnings, product innovation, and ongoing dividend distributions.
  • Non-productive physical assets cannot generate compounding internal returns over time.
  • High retail markups, custodial overhead, and vault storage bills create structural drag on returns.
  • Broad equity markets provide ownership in productive enterprises that expand with economic growth.

How do annual contribution limits impact your precious metals strategy?

Internal Revenue Service annual contribution limits restrict how much new cash you can add to your precious metals retirement account each year, making rollovers the standard method for initial funding. For 2026, the annual limit is 7,500 dollars, or 8,600 dollars for savers aged 50 and older.

The Internal Revenue Service establishes strict annual ceilings on the amount an individual can contribute to traditional and Roth individual retirement arrangements. For the 2026 tax year, the total combined contributions you make across all your traditional and Roth IRAs cannot exceed 7,500 dollars, or 8,600 dollars if you are age 50 or older. If your taxable compensation for the year is less than these amounts, your maximum contribution is limited to your actual taxable compensation. (irs.gov)

These contribution thresholds are adjusted periodically for cost-of-living increases. For the 2025 and 2024 tax years, the limit was established at 7,000 dollars, with an 8,000-dollar cap for individuals aged 50 and over. For the 2023 tax year, the contribution ceiling stood at 6,500 dollars, or 7,500 dollars for those aged 50 and older. Understanding these historical parameters is helpful when reviewing prior tax filings or auditing past contributions.

Because purchasing precious metals often requires substantial capital to offset fixed annual custodial and storage fees, funding an account solely through annual contributions can be inefficient. For instance, paying 250 dollars in combined annual custodial and storage fees on a 7,500-dollar annual contribution represents a significant 3.33 percent fee drag. Consequently, most savers establish these accounts by executing direct rollovers or transfers from existing workplace plans or standard IRAs, which are not subject to annual contribution caps.

Careful tracking of contributions is essential because exceeding the allowable limit triggers an excise tax penalty under federal law. An excess contribution occurs if you contribute more than the statutory limit or execute an improper rollover. Excess amounts are subject to a 6 percent excise tax for every year the excess funds remain in the account, making strict compliance vital for every account owner.

  • The 2026 annual limit is 7,500 dollars, increasing to 8,600 dollars for individuals age 50 and older.
  • The 2024 and 2025 contribution limit was 7,000 dollars, or 8,000 dollars for individuals age 50 and older.
  • The 2023 limit was set at 6,500 dollars, or 7,500 dollars for account holders age 50 and over.
  • Excess contributions remaining in an arrangement are subject to a continuous 6 percent annual tax penalty.
IRS Annual IRA Contribution Limits by Tax Year

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  • Tax Year
    2026
    Standard Contribution Limit
    7,500 dollars (or taxable compensation if less)
    Age 50 and Older Catch-Up Limit
    8,600 dollars (includes 1,100 dollar catch-up)
    Regulatory Tax Penalty for Excess
    6 percent excise tax per year on excess amounts remaining in the account
  • Tax Year
    2025
    Standard Contribution Limit
    7,000 dollars (or taxable compensation if less)
    Age 50 and Older Catch-Up Limit
    8,000 dollars (includes 1,000 dollar catch-up)
    Regulatory Tax Penalty for Excess
    6 percent excise tax per year on excess amounts remaining in the account
  • Tax Year
    2024
    Standard Contribution Limit
    7,000 dollars (or taxable compensation if less)
    Age 50 and Older Catch-Up Limit
    8,000 dollars (includes 1,000 dollar catch-up)
    Regulatory Tax Penalty for Excess
    6 percent excise tax per year on excess amounts remaining in the account
  • Tax Year
    2023
    Standard Contribution Limit
    6,500 dollars (or taxable compensation if less)
    Age 50 and Older Catch-Up Limit
    7,500 dollars (includes 1,000 dollar catch-up)
    Regulatory Tax Penalty for Excess
    6 percent excise tax per year on excess amounts remaining in the account

How do required minimum distributions affect precious metals accounts?

Account owners must begin taking required minimum distributions from traditional, SEP, and SIMPLE individual retirement arrangements starting at age 73. Failing to withdraw the full mandatory amount on time exposes the account owner to a 25 percent excise tax penalty on the shortfall.

Under federal tax law, tax-deferred retirement accounts cannot accumulate indefinitely without distribution. Once an account owner reaches age 73, they must begin taking annual required minimum distributions from their traditional IRAs, SEP IRAs, and SIMPLE IRAs. The first required distribution must be taken by April 1 of the calendar year following the year in which the account holder reaches age 73, with all subsequent annual distributions required by December 31 of each year. (irs.gov)

Calculating the annual distribution requires dividing the prior December 31 account balance by an applicable life expectancy factor published in IRS life expectancy tables, such as the Uniform Lifetime Table. In a precious metals individual retirement arrangement, establishing this valuation requires the custodian to determine the fair market value of all physical bullion held in the vault at year-end using prevailing spot prices. Learning how to read your Gold IRA statement enables you to verify that these year-end valuations and calculations are recorded accurately.

Account owners have flexibility in how they satisfy their distribution requirements. You can instruct the custodian to sell a portion of the physical metals held in the vault and distribute the net cash proceeds directly to your bank account. Alternatively, you can request an in-kind distribution, where the physical bullion coins or bars are shipped directly to your residence, though you will be taxed on the fair market value of the distributed metal.

Failing to take the full required distribution amount by the applicable deadline carries severe financial consequences. The Internal Revenue Service imposes an excise tax of 25 percent on the distribution amount not taken. However, if the distribution shortfall is corrected in a timely manner within a two-year window, the excise tax penalty is reduced to 10 percent. The account holder must report these calculations using IRS Form 5329 attached to their federal tax return.

  • Required minimum distributions generally begin once the account holder reaches age 73.
  • The first mandatory distribution is due by April 1 of the year following the year you turn 73.
  • Distributions can be taken as cash after selling bullion or as an in-kind shipment of physical metal.
  • Missed distributions face a 25 percent excise tax penalty, reducible to 10 percent if corrected promptly.

What is the difference between traditional and Roth gold IRAs?

A traditional gold IRA uses pre-tax dollars to provide potential tax deductions and tax-deferred growth, with withdrawals taxed as ordinary income, while a Roth gold IRA uses after-tax contributions to provide completely tax-free qualified distributions in retirement.

Choosing the right legal structure for your retirement arrangement is a critical step in managing lifetime tax liability. In a traditional individual retirement arrangement, eligible contributions may be deducted from your taxable income in the year they are made, subject to income limitations if you or your spouse participate in a workplace retirement plan. All assets inside the traditional account grow on a tax-deferred basis, meaning no taxes are owed while the metals remain inside the vault, but distributions during retirement are fully taxed as ordinary income.

A Roth individual retirement arrangement operates under the opposite tax mechanism. Contributions are made with after-tax compensation, meaning you receive no upfront tax deduction on the money you place into the account. However, all growth within the account occurs free from federal taxes, and qualified distributions taken in retirement are entirely tax-free. Furthermore, original account owners are not subject to required minimum distribution rules during their lifetimes, allowing Roth holdings to remain in the vault indefinitely.

Both traditional and Roth accounts are subject to identical underlying rules regarding qualified custodians, approved depository vaults, and physical bullion standards. However, eligibility to contribute directly to a Roth arrangement depends on your modified adjusted gross income, with high earners being phased out of direct contribution eligibility. In such cases, savers often explore rollover provisions to fund their accounts.

Estate planning rules also differ significantly between these structures. Under the SECURE Act, non-spouse beneficiaries inheriting a traditional or Roth retirement account must generally distribute the entire account balance within ten years of the owner's death. While distributions from an inherited traditional account are subject to income taxes, distributions from an inherited Roth account remain tax-free, making the Roth structure a popular consideration for legacy wealth transfer.

  • Traditional arrangements offer potential upfront tax deductions with taxable retirement distributions.
  • Roth arrangements use post-tax funds to deliver completely tax-free qualified withdrawals in retirement.
  • Roth account owners face no lifetime required minimum distribution obligations under federal law.
  • Both account types require institutional custodial oversight and approved depository vault storage.

How does the IRS view gold investments in an IRA?

The Internal Revenue Service does not endorse or approve specific investments, but it strictly enforces purity standards and custody rules that precious metals must satisfy to remain eligible for tax-advantaged retirement accounts.

A common misconception among retirement savers is that federal agencies certify or approve specific gold dealers, coins, or investment programs. The Internal Revenue Service explicitly clarifies in Publication 3125 that the agency does not approve IRA investments. Any marketing material or dealer sales pitch claiming that an individual retirement arrangement or specific coin is officially approved by the IRS is inaccurate and misleading.

Instead of approving specific products, federal tax regulations establish statutory minimum fineness requirements for physical bullion held inside retirement arrangements. To qualify, gold bullion coins and bars must meet a minimum purity standard of 0.995 fine gold, with specific statutory exceptions for certain coins like the American Gold Eagle. Other precious metals must meet their own minimum standards, including 0.999 fine silver and 0.9995 fine platinum and palladium.

Federal regulations also strictly prohibit holding collectibles inside an individual retirement arrangement. Certain historic or numismatic coins with high collector premiums are classified as collectibles under Section 408(m) of the Internal Revenue Code. If an account owner attempts to purchase ineligible collectible coins within an IRA, the transaction is treated as a taxable distribution equal to the cost of the asset, potentially triggering income taxes and early withdrawal penalties.

Finally, the IRS requires that all retirement assets remain under the direct control of a qualified bank, trust company, or IRS-approved non-bank custodian. Account owners cannot take personal possession of the metal or store it in personal safes. Proper tax reporting is maintained through IRS Form 5498, which custodians file annually to report contributions, rollovers, and fair market valuations to the government.

  • The Internal Revenue Service does not endorse, rank, or approve specific precious metals investments.
  • Eligible physical gold bars and coins must generally meet a legal purity threshold of 0.995 fineness.
  • Collectible and numismatic coins with high retail premiums are strictly prohibited inside retirement accounts.
  • Custodians submit annual IRS Form 5498 filings to record contributions and end-of-year valuations.

How can you audit your gold IRA fees and statements?

You can audit your precious metals retirement account by comparing your initial purchase invoices against spot metal prices, verifying ongoing custodial and storage fee schedules, and checking your annual Form 5498 reports for accurate valuation.

Auditing your account begins with a careful examination of your original transaction invoice. When you purchase physical bullion, the dealer invoice should clearly separate the wholesale spot price of the metal from the total purchase price you paid. By subtracting the market spot price at the exact moment of execution from the retail price per ounce, you can calculate the exact dollar markup and percentage spread charged by the dealer. High initial markups are the most common source of excessive cost.

Next, review your custodial statement to identify all ongoing recurring maintenance charges. Custodians typically charge an annual administration fee alongside a depository vault storage fee. Check whether your depository charges a flat annual rate or an asset-based percentage fee. Flat fees remain constant regardless of how much your account grows, whereas asset-based percentage fees increase as the market value of your precious metals rises, which can become costly on larger accounts.

It is equally important to inspect the annual tax forms generated for your account. Custodians file IRS Form 5498 to report contribution amounts, rollover activity, and the fair market value of your holdings as of December 31. Errors on Form 5498 can lead to administrative complications with the IRS, including incorrect reporting of conversions or erroneous required minimum distribution calculations. Verifying that the reported valuation matches your physical inventory statements ensures regulatory compliance.

If you discover unexplained line items, hidden administrative fees, or excessive transaction spreads on your statements, you have the right to request clarification from your custodian. Maintaining clean, comprehensive records of every trade confirmation, fee schedule, and annual statement protects your financial interests and provides total clarity regarding the net performance of your retirement portfolio.

  • Compare original dealer invoices against historic spot prices to determine exact purchase markups.
  • Check whether your depository storage fee is billed as a flat annual charge or an asset-based percentage.
  • Review annual IRS Form 5498 filings to ensure contributions and year-end valuations are reported correctly.
  • Keep detailed records of all wire transfer fees, termination costs, and in-kind distribution charges.

Common questions

What if I invested $10,000 in gold 20 years ago?
If you had purchased gold bullion 20 years ago, your investment performance would reflect the long-term appreciation of physical gold spot prices over that period. In a self-directed individual retirement arrangement, the total net gain would also depend on the cumulative effect of annual custodial administration fees, depository vault storage charges, and initial dealer transaction spreads deducted from the account over two decades.
What are rollover contributions and do they count toward annual limits?
A rollover contribution occurs when you transfer retirement assets from an existing employer plan or traditional IRA into a self-directed retirement account. Under Internal Revenue Service rules, eligible rollover contributions are not subject to the statutory annual contribution limits, such as the 7,500-dollar ceiling for 2026. This allows savers to transfer larger balances without incurring excess contribution tax penalties.
Can an individual contribute to an IRA after age 70½?
Yes. For the 2020 tax year and all subsequent years, there is no upper age limit on making regular contributions to traditional or Roth individual retirement arrangements, provided the individual has taxable compensation. For the 2019 tax year and earlier, individuals aged 70½ or older were prohibited from making regular contributions to traditional individual retirement arrangements.
What is the penalty for failing to take a required minimum distribution?
If an account owner fails to withdraw the full required minimum distribution by the applicable deadline, the unwithdrawn amount is subject to a 25 percent excise tax penalty under federal law. If the shortfall is corrected within a two-year correction window, the penalty is reduced to 10 percent. The taxpayer must file IRS Form 5329 to report the shortfall.
What happens if you make an excess contribution to your IRA?
Excess contributions are subject to a 6 percent annual excise tax penalty for every year the excess amount remains in the individual retirement arrangement. The penalty cannot exceed 6 percent of the combined value of all your IRAs at the end of the tax year. To avoid the tax, you must withdraw the excess amount and any earned income before your tax filing deadline.
Can a married couple contribute to an IRA if only one spouse has taxable compensation?
Yes. Under the spousal IRA rules, an individual without taxable compensation can contribute to a traditional or Roth IRA if their spouse has sufficient taxable compensation and they file a joint tax return. Each spouse can contribute up to their individual statutory limit, provided their combined contributions do not exceed the total taxable compensation reported on their joint tax return.

Related reading

Sources

Gold IRA Clarity does not sell Gold IRAs or precious metals. This article is educational and is not investment, legal or tax advice. Figures are labelled with how they were produced, and anything that could not be established is left out rather than estimated silently.

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