 But CAST is now starting. All attendees are in listen-only mode. Good afternoon or good morning from wherever you are in the country in participating. I want to thank everybody for attending this webinar. My name is Ed Hartman. I'm DAV's Inspector General. And we wanted to provide this opportunity to discuss the annual financial reporting procedures as many of you in your responsibilities as the department treasurer and or chapter treasurer seem to have many questions throughout the course of the process of completing your annual financial reports. So we wanted to have this webinar to maybe try to address some of those be a little proactive and assisting each and every one of you in completing your annual financial reports this year. I did note that there were some individuals that had registered for this webinar that indicated that they were from the auxiliary. Keep in mind this is a DAV specific form that we're going to be discussing today. The DAV auxiliary has their own unique annual financial reports. This information shared today will likely not be to the benefit of anybody attending and participating as a member of the auxiliary. Each and every year we all know that as department and chapter leaders and particularly the treasurer we receive the annual financial report kit from national headquarters. It does look like a very complicated and cumbersome document with a lot of information and some attachments. It really is a very simple document to complete. And so this webinar will kind of serve as a clips note variation if you will or interpretation of all of the instructions and schedules that accompany the annual financial report. One of the things that I always like to have the opportunity to do is just remind DAV chapter leaders all the time that the funds that we get as an organization at all levels are provided by the general public to support DAV's free programs of service to ill and injured veterans and their families for which we are known. Of course when we talk about the programs of service that we're known for I'm talking about our chapter department and national service officer program our DAV transportation network, DAVS programs, legislative programs, employment programs so on and so forth. Those programs that are very unique and very specific to DAV. So it's our responsibility, our fiduciary responsibility at all levels whether it be a chapter department or the national organization to apply those funds that are donated to us from the general public to be used primarily for those DAV programs of service. So we all know that the filing requirements for DAV entities are due within 90 days at the end of the accounting period which is September 30th. For DAV's purposes the accounting period is always July 1st through June 30th of the following year. So right now at this point in time if you haven't already all DAV entities should be working on their annual financial report for year in June 30th 2019. All departments are required to submit an annual financial report to the national organization. All chapters are required to provide an AFR to the department and departments are absolutely responsible for evaluating and reviewing the chapter annual financial reports. Those chapters that during the course of the accounting year have more than $10,000 of gross income for that year must also file an annual financial report with the national organization. We did have a resolution that came up from a department this year that might change that $10,000 figure to $25,000 which we hope will be favorably considered by the convention coming up. So that will require many chapters who are otherwise right now required to provide reports to national to no longer do so. Any and all entities that have more than $300,000 of income during the course of the year in addition to providing their annual financial report must also submit a CPA review along with their AFR. So when you take a look at the annual financial report that long legal size document legal size page document it's really broken down into three very unique sections. The very first section is has to deal with the income. The second or middle part of the form deals with all expenditures lines 11 through 21. And then finally the last section of the AFR is a section which allows the chapter of the department to reflect all the total liquid assets that it has. We will go through each of these unique sections line by line and provide examples of what information and what documentation would need to be submitted to accompany the annual financial report for each of those lines. Looking at the very first section of the annual financial report line one simply requires an ask for the total number of membership dues per capita that either the chapter received or the department received from the national organization. Line number two is very specific to forget me not income. And again we're looking for the gross total of what was collected during the forget me not efforts of the chapter or the department through the year. And when I say gross total there we on this line we cannot back out any expenses that we have associated with the forget me not drive because that's going to be reported and included in another line under expenditures associated with forget me not drive. Line three, four and five are specific to income that comes in from any bingo program thrift store operation or bar lounge operation again. This is dealing with gross total income so before any bills are paid. That would be the amount that would be reflected for each of those lines 335 as it relates to bingo thrift store bar in bar lounge operations. Line six is income and interest from checking savings and CDs only certificates of deposits. We have another section a little bit later on that's going to deal with investment portfolio income. So again, line six is just income from interest solely from checking accounts savings accounts and or certificates of deposits. Line number seven is primarily from for departments only. And this would include any and all funding from the national organization and this would include anything that comes to the department from the state service program that we provide to departments and or Columbia trust grants that are provided to the department. There may be an occasion where a chapter would have an amount to be reflected on this line because there are a very few handful of chapters that have applied for and receive grants from the Columbia trust for very unique and specific programs. So that is the information that we're looking for on line seven in total. Line number eight is promised is information reflecting any profits from any investment portfolios that the department or chapter may have and line number nine is any and all other income that is not otherwise addressed in lines one through eight. This would include information or this would include total amounts from grants received the quests that were received or general donations received from the public or through members. And there will be a schedule that would be required to reflect and break down what each one of those are for which we will get to momentarily here. And then simply line number 10 is just totaling up all of the income from lines one through nine and reflecting that value online number 10. And we talk but the only line item that requires a schedule in the income sample, as I just mentioned, is that related to line number nine other income, and a general listing is acceptable, this can simply just be a word document outlining the chapter received a request from an estate in the amount of $10,000 a grant from a county veterans service commission donations from members during chapter meetings. And you'll most notably on here. You'll see I used here as an example of a donation of a power wheelchair. That's very important to note because of course we have to report income for in kind donations of product or wheelchairs durable medical goods things of that nature so anytime that the chapter we sees anything of value from the public. We have to recognize that gift to the donor. And then of course reported as an asset or income for the chapter, and a little bit later, I'll provide you an example of how that amount you see listed there as a donation of a power wheelchair will be reflected as an expenditure. When we get into the expenses. Moving on the second section of the annual financial report is the expenses portion. And so if we look at the annual financial report will see that on line number 11. It asks for administrative salaries. Taxes and benefits and you'll see there a schedule be required and of course we'll get to an example of that after we cover all of these line items here. As to what that schedule can consist of and what it might look like. Administrative salaries, taxes everything on line seven is usually very typical or specific to a department as many chapters obviously do not have paid employees of the chapter operating that would justify an expense noted on line number 11. Line number 12 is all expenses associated with members or leaders participation and conventions and conferences for travel. Lodging meals and again we'll get into an example of what a schedule might look like and it can be a general schedule. We will get to that here momentarily. Line number 13 is all of the expenses associated with postage and office supplies such things as sending out newsletters buying business cards for leaders of the chapter, etc. Line number 14, which is the most very important expense line noted on the annual financial report. And that is the line specific to all of our expenses that were dedicated to service and shareable work. And it will be very form specific so in the packets that are received from the national organization by departments and chapters each and every year. There's a service schedule that is provided, which further goes into detail of what expenditures were included for line number 14. And we will again get into a sample of what items and what things we're looking for online 14 and it should be noted again as I mentioned previously that this is the most important line on the expense. Annual financial report section because of course as a non-profit veteran service organization we're obligated to spend our donors money for our federally chartered purpose. So a great percentage of good majority of the funds that we expend on an annual basis really ought to be reflected in line number 14. Line number 15 as we mentioned previously in the income chapters and those departments that do conduct forget me not drives may have expenses associated with their forget me not drives whether that includes buying supplies such as the forgive me not flowers posters to promote the forget me not drive collection buckets canisters things of that nature so that is where the amount of expenses would be reflected on those costs associated with your forget me not drives. Line number 16. There are a handful of chapters and maybe even a department or two out there that conduct bingo operations. Line number 16 is the location for to report any and all bingo expenses associated with their bingo operation such as salaries taxes and of course winnings payouts to winners at bingo. And of course there will be a schedule required. It's a general schedule and again will provide an example of what that would look like here in a few short moments. Line number 17 any chapter thrift store expenses including salaries. And again we will get into an example of what the schedule would look like and what kind of information should be reflected on that schedule. But again these are expenses directly related to the operation of any thrift store. We only have a handful of chapters and departments that have thrift store operations and existence. And when I say fortunately that's because in those instances those are programs that are generating revenue and are actually bringing an income to support our service programs. Those that were in the thrift store business previously found that they were losing money and obviously at that point we're no longer a valid fundraising activity of the chapter or the department and it's since gone away so. And likewise on line number 18 any bar expenses that a chapter may have associated with its chapter operation expenses associated with that including salaries would be reported online 18 and of course a schedule would be required for that. And I will provide a sample schedule. That you can use to help you with reporting on those again handful of chapters that do have bar lounge operations associated with their chapters. Let's see line number 19 chapter or department property expenses so any chapter any department that owns property or has property that it leases or rents for the conducting of its business. Any all expenses associated with that property or building would be reported online number 19 so things such as maintenance utilities insurance etc. And again we will get into an example of what a schedule may look like to accompany line number 19. And then number 20. Again member up top we were talking about with the income, any income that was received as a result of an investment portfolio that the chapter or the department might have. Likewise, if your investment portfolio lost money during the course of the year, that loss would be reflected online number 20. And then number 21 is any and all other expenses and of course this is a very broad category. And we will get into some examples of what items might be included in terms of all other expenses and will provide you a sample schedule, what that might look like. And then line number 22 of expenses. It's simply the culmination of all the expenses combined from lines 11 through 21. Okay, here's an example of online 11 of course that requires a schedule to be provided along with it and again it can just be a very simple general word document that outlines that the department had payroll expenses to the adjunct the amount of $40,000 payroll that that individual would be included any employee benefits that were associated with that individual would be included. And then also for any administrative staff that the department and or in some cases a chapter might have on the payroll. Now keep in mind this is for administrative administrative salaries so if the department or chapter had employees that were associated with a thrift store operation a bingo operation or bar lounge operation that would not be included under the salaries listed for line number 11. In addition to payroll, payroll taxes, employee benefits, any and other any and all other costs associated with an employment of an individual for the operation of the administration side would be also included under line 11 and also would be further noted on the schedule required for line 11. Line number 12. Again that's referring to expenses associated with conventions and conferences. And again a general listing is acceptable so again it can just simply be a word document that says for line number 12 we had expenses for the chapter commander to attend department convention in the amount of $800. We had expenses for the chapter commander to attend national convention in the amount of $1200 or $1200. And again that's just an example. Keep in mind that if they're since this is titled conventions and conferences and seminars online 12. Keep in mind that if you have a chapter service officer or department service officer that is participating in the CSO DSO certification annually at the department convention. Any costs associated with their attendance at that seminar or that conference for training would not be listed as a convention or conference expense because they are there getting information getting certification. As a chapter service officer. We can reflect that as a direct service expenditure which would be later reported underline 14 and the schedule associated with that we will get to a sample of that here in just a few moments. Line number 14 a sample of what a schedule might look for or look like for line number 14 and again a general listing is acceptable. And this has to do with postage and supplies so an example would be the chapter had a an expense of $40 for the purchase of a digital voice recorder to assist the adjunct in recording the minutes of the meetings. Something along those lines ink gent printer printer cartridges of $25. Copying paper $15. Anything that's associated with postage and supplies for the chapter would be listed online 13 and further described in a general schedule for line number 13. Line number 14 now here's the big one as I mentioned earlier. This is the line that should have a bulk of expenditures for chapters and departments. And this is also the line that has a separate and unique schedule that is provided along with the annual financial report that must be completed along with the annual financial report. So items that will be listed and included as service and charitable will be items such as donations to the medical centers. Donations or support financial support of the ABS programs. National transportation van grant programs so therefore if your chapter of the department. Provides funding to purchase a new van for the TV transportation network. That would certainly be a service expenditure service programs. That is where we were talking about any or I'm sorry this is when you have a very unique and specific service program that you offer in your community that otherwise isn't mentioned specifically as a. D. A. B. Recognize service program like our transportation network D. A. B. S. program something along those lines lines. Service officer salaries and benefits this primarily pertains to departments that employ department service officers. We would need to have a breakdown of the salaries and benefits associated with the employment of those individuals. Cost to attend service school so again we were mentioning previously that if you have expenses for your CSO your DSO is to attend the certification at department convention. That would certainly be listed as a service expenditure and not otherwise to be reported under the general conventions and conferences portion of the annual financial report. Any expenses to or any contributions to H. S. C. Salaries and their benefits Columbia Trust donations will also be listed as a expense underline 14. National service foundation donation. L. BAP program expenses and donations to state veterans homes. Any housing programs that the chapter department may have contributed to or be involved with any meal programs. Publications that educate our members on D. A. B. Related activities or legislative activities that are beneficial and would provide a service would be listed as a service expense under line 14. Any grants to homeless or media veterans and or any other charitable. Giveings of the chapter and if you recall when we were talking about income and other income in section number one. We talked about the gifts of. In kind products or durable medical goods such as a power wheelchair so if the chapter received a $1000 the value of $1000 for power wheelchair that was given to the chapter to provide to a homeless or needy veteran rather. When the chapter makes that donation to a veteran that is where that amount would be listed as a service expenditure for the chapter. So when we look at the actual service and charitable expense schedule which accompanies the annual financial report. It's very unique it's very specific at ask for information and there's a reason for which that we ask that information that we'll get into here towards the end of the presentation. Further down the expenses section of the annual financial report line number 16 through 18 has to deal with bingo operations thrift store operations and bar lounge operations and again. The general list standing is is acceptable. And so line number 16 as it deals with bingo. The schedule would outline the fact that we paid out as a chapter or in the case of the department $100,000 of prizes to bingo winners. We employed a bingo manager for $10,000 to operate that program. Those would be all included under the schedule for the expenses associated with line 16. Same thing for line 17 thrift store manager salary thrift store employee salaries benefits anything else that has to do with the employment or the operation of a thrift store would need to be noted in that. General accounting schedule for expenses associated with line number 17. The same holds true for line 18 if the chapter has a bar lounge operation. That is where line 18 is where all of the funds for the expenses associated with that are so the schedule would look like something to the effect of what bartender was paid as a salary. Or bartenders because I'm sure that you probably have more than one bartender. The total amount paid to the bartenders costs associated with product of beer wine liquor purchases snacks whatever the case might be any expenditure listed. Or associate with bar lounge would need to be included on that schedule. On line number 19 of course there is a schedule that is required for that line as well and again a general listing is certainly acceptable. And this is for again chapters or departments that own property have a building either own at least it rented. Whatever the case might be any and all expenses associated with that would be listed under the. Schedule for that so an example utilities for the year fifteen hundred dollars insurance for the property nine hundred any repairs that were made to the property would be reflected there. Lawn care exterior landscaping if the chapter or the department needed to provide or purchase new chairs for the meetings security monitoring fees you know new carpet exterior painting. You name it anything that the chapter had as an expenditure or an expense associated with the ownership lease or renting a meeting space would be reflected. In the schedule for line number nineteen line number twenty. And again these are the other expenses that are associated with the chapter or the department an example would be if your chapter typically purchases pizza or. You know provides a meal to the members attending the chapter meeting. If the chapter or the department hosts an entertainment or entertainment and provides a meal during the holidays. If the chapter or the department provides a meal or a luncheon or a recognition ceremony or celebration for volunteers. That is where all of the examples of expenditures would be listed for line number twenty and again just a simple word document outlining what the expenses were in the total amount of the expenses for each of those items. So the. Line number twenty three talks about. Total liquid assets so when we talk about liquid assets we're talking about anything and everything that the chapter or the department might own either in. A checking account a savings account. CDs investment portfolios so on and so forth and it's very important to note that. A statement a current statement be provided along with the annual financial report for each number of one of these accounts so the chapter or the department as a checking account. The total amount that the year end. Of June 30th would be reflected on that line plus any nominal cash on hand that might be maintained by the chapter of the department. A copy of the most recent bank statement ending June 30th of the accounting period we need to accompany that for line twenty three. Line number twenty four if you have a savings account. Line number twenty four if you have a savings account that balance should be reflected on line twenty four and again a year end June 30th bank statements should accompany the annual financial report reflecting the amount. Maintain in the savings account. Any CDs that are owned by a chapter department should be reflected on line twenty five and of course a copy of the June 30th statement for that CD or any number of CDs that the department or chapter may have. And a copy of the June 30th statement of the market value of any and all investment portfolios that the department or chapter must have. And of course line number twenty seven is simply totaling lines twenty three through twenty six the very end of the annual financial report just ask for another assets other assets schedule. So if we talked about or we talked previously at the department or a chapter owns any real estate or any property. We're simply asking for the address of the property when the property was purchased in the current market market value of the property. If the department or the chapter has any loans against the department or chapter or you know building improvement or whatever the case might be that loan balance should be reflected. And the information specific to the financial institution would also be included on that line as well furniture and equipment. Simply a brief description and estimated value of whatever that furniture and equipment might be whether it's laptop computers printers large electric devices that are owned by the chapter. Would be listed as furniture and equipment. Vehicles if the department or a chapter owns a vehicle. I know that there are many departments that have a vehicle that they make available for use by the department commander throughout the course of their years department commander. That is where the information would be conveyed in terms of assets of the department. We simply are asking for the year make model and the estimated value of the vehicle that's owned by the department and in some cases by the chapter. Miscellaneous a brief description and estimated value now miscellaneous is really just I mean it's anything that is not covered in real estate loans furniture and equipment or vehicles. So for those of you out there that have casos hanging in your chapter halls or in your department buildings or have Rolex watches laying around or fur coats laying around. That's where the that information would be included and calculated for miscellaneous that's the information that we're looking for. So again anything that is an other asset outside of cash outside of real estate loans furniture and equipment vehicles would be recorded under miscellaneous. So each and every year we talk about the importance of filing these annual financial reports why is it essential. A first and foremost we need to have as a chapter as a department and as a national organization we have to have a complete accounting of our funding because of course we have an obligation to our donors to provide information should they so request on what we are doing with our with their money or with our money. But I always refer to it as their money because of course anything and everything that we get from the general public comes in the form of a donation to DAB at all levels so I commonly refer to it as their money. DAB is just a steward of maintaining and holding those finances and applying them towards programs specific to DAB's federally chartered purpose. We need to have a complete accounting of expenses and distributions throughout the course of the year. And as I mentioned at least two times already being a nonprofit veteran service organization we have an obligation to spend our money on DAB service programs that for which we are known. Of course DAB is coming up on our 100 year anniversary and we have survived that long as a nonprofit veteran service organization simply because the general public believes in our mission. They continue to support us because they see the fruits of their donations. They see the fact that DAB provides funding to those programs for which we have come to be known for. Our DSO, CSO, our National Service Officer program, our Transition Service Officer program, the DAB Transportation Network, DABS programs, anything and everything. So we really need to if we have not done so already ensure that as a chapter as a department a majority of our expenses that are reflected on our annual financial reports show up on line number 14. Because again at the end of the day all of the funding that we receive comes from the general public and we really want to focus our efforts on funding DAB specific programs. Proper record keeping and documentation. This should really be done throughout the course of the year. It's an ongoing exercise primarily so that we as members when we come to our chapter meetings we know what we're doing as an organization, what money came in, what money went out, what it went out for. And certainly it makes it so much easier for the Treasurer and the Audit Committee at the end of the year and the preparation of the annual financial report to have at that time all of the documentation at their disposal to fully complete and provide the information necessary for the submittal of the annual financial report. We really need to support again I mentioned this again simply because again people donate to DAB because they believe in our mission. Supporting DAB's mission versus other organizations. There's certainly nothing wrong with a DAB chapter or department supporting a program being hosted by another veterans organization or another organization so long as that program is very specific to our federally chartered purpose of providing services free programs of services to ill injured veterans and their families. So even though our chapter or department might be providing some funding to another organization for a program that is going to benefit our demographic of constituents. You know there's certainly nothing wrong with that but we really ought to be focusing on supporting our very unique programs of service to veterans and their families. Annual financial reports are due 90 days at the end of the closing year and of course we all know that the financial year ends June 30 so by September 30. Annual financial reports would need to be provided to the appropriate receiving entity and as I mentioned previously all chapters need to provide a copy to their appropriate department. All departments would need to have provided a copy of their financial report to the national organization and any chapter that currently at this moment had more than $10,000 of income during the prior year in addition to filing a report with the department would also in turn file an annual financial report with the national organization but as I mentioned previously I'm very hopeful that a resolution that was submitted will increase that minimum amount to $25,000 which would likely result in most chapters only being required to provide an annual financial report to their department. As the national organization, it's our responsibility to ensure that finances of the organization at all levels are being provided in accordance with our federal charter. Each and every department, each and every chapter in our organization is under DAD Nationals group exemption number. So as the parent of that group exemption number it's our responsibility to ensure an accurate and full accounting of funding for all chapters and all departments. At this time as I promised and mentioned previously to many of you we will have the opportunity to address a few questions. Those of you that have logged on and are participating if you'll notice on the go to webinar box about three quarters of the way down that box you will see a chat link. If you click on that chat link the down arrow that will open up a window for you to type a message and you can certainly present any questions that you might have that I haven't already addressed or if you need further clarification on something that I mentioned. You can certainly type your message there send it to me and I'd be happy to address it and I noticed that there have been a few folks that have already identified that chat feature and have sent in a few questions already so let me just try to get for those here real quick while others might be composing their questions to be sent to me. Receive the question. Why do we need to provide detailed information for veterans we provide grants to on the service charitable expense schedule and they're referring to. The schedule that is provided along with the annual financial report to list all of the expenditures for line 14 on the annual financial report. One of the very last portions of that schedule. Ask for the listing of grants made to homeless or needy veterans and it also asks for the attachment of schedule by name and amount granted. And of course it's in the best interest of DAB at any and all levels to know where our funds are being provided in an effort to fully understand the needs of each chapter. And their chapters communities and also probably more importantly to have a method to validate the claimed expenditures of a chapter or department. So information we're looking for there is is simply we provided $500 to John Jones to pay his rent for the month. Or we provided $1000 to replace the transmission of Sarah Jones. And again, we don't need to go into detail in terms of that great of a detail in terms of information from the veteran that we are assisting. Just their name, the amount granted and what the grant was for would be sufficient. Have another question here. Why is it important to list donated goods such as wheelchairs or other items that we've received on our AFR? That's actually a very good question and probably most importantly is we must always give credit to our donors for any gifts that they provide to DAB, whether it be cash. Or donated items that we can otherwise accept and in turn turn around and provide to a disabled veteran or their family. So that's probably first and foremost why it's most important. So we give credit to an entity for providing a donated item to DAB. We have to reflect that on our books as income and then of course we have to reflect the expenditure once we donate that item to a veteran or their family. So we have to acknowledge their gift for their tax purposes obviously. Likewise, when we provide or when a donated item is provided to DAB such as a power wheelchair, that has a monetary value associated with it that the donor can use for their own tax purposes. Remember we should and must also fully report everything that is service related in order to fully take credit for our efforts as a chapter or as a department for our good works in the community. So unless you account for it as income and unless you include it as an expenditure on line number 14, nobody's going to have any idea that the chapter is receiving these kinds of donated goods and in turn making those donations to needy veterans or their families in the community. I'll see you next question here. Question is why are we required to provide recognition letters from donations we make to VA and state veterans homes. Again, it's a matter of validating donations made by chapters and departments and really to help keep everyone honest. More importantly, it's a matter of good record keeping and being able to justify expenditures to the members of the chapter. And also members of the audit committee should also be looking for this information during their audit of the chapter or the department's annual financial reports each and every year. So as just like DAB does at all levels at the chapter level of the department and the national level, if we receive a monetary donation, if we receive a donation of a durable medical good or something, we have to provide a recognition letter to that donor noting their donation for tax purposes. Just like our responsibilities, the responsibility of the VA or a state veterans nursing home to recognize the gifts that we provide as an organization. So if the chapter makes a thousand dollar donation to VA medical center for a new television for the rec room, the VA is obligated to in turn recognize that gift to DAB. And further, that just simply validates what is being reported on the annual financial report that the chapter did in fact make a $1,000 donation to the VA medical center. See, next question here, that was this one just came in. Can we provide a copy of a canceled check if we don't get a letter from VA? I'm assuming that that's associated with the issue that we just addressed if the chapter of the department does not receive a recognition letter from the chapter from the VA or the state veterans nursing home. Certainly, we would accept a copy of a canceled check showing or validating the issuance of a donation to whether VA, VA medical center or state veterans nursing home. So that would certainly be acceptable as well. This next question that came in, can we make donations to other organizations? As I mentioned previously, it all depends. If the donation is being made to support DAB's federally chartered purpose of serving ill and injured veterans and their dependents by we have supporting a particular program, then yes, we certainly can. What we cannot do is provide general donations to other organizations, be it other veterans service organizations or otherwise. We always have to be able to justify to our donors that we're good stewards of the funds that they provide to DAB at all levels. And so that being said, again, we have an obligation to spend our donors money on their intended programs of service. And that being said, it should be related to our service programs, our VAVS programs, our DV transportation network program, our transition service officer programs, our special events and activities programs like the Winter Sports Clinic. The National Veterans Tea Tournament that we're involved in. The only time that it would be acceptable to, as I mentioned previously, make a donation and I'll just give an example, maybe to help clarify it a little bit. Let's just say that there's another service organization in town that is hosting a homeless veterans stand down. And that other organization has come to DAB and asked for a $5,000 donation to provide meals or provide purchasing socks or toiletry items for the stand down. That would be an absolute, that would absolutely be fine to support and provide the donation to that other service organization specific for that purpose. We oftentimes see on annual finance reports and cringe often where donations have been made to other organizations just as a general donate donation. And unfortunately, many of these organizations, these other nonprofit organizations that funding is being provided to by way of a grant or donation from a chapter department have absolutely nothing to do with veterans. Many times we see donations to the local police fraternity or the local firefighters union or the Boy Scouts, Girl Scouts, churches. You know, again, these are organizations that have absolutely nothing to do with our federally chartered purpose and the quickest way to lose the support of our very generous donors in the communities at all levels would be to have it be made known public that DAB is making donations to organizations other than to support programs of service to disabled veterans and their families. The mindset is, in the donor's perspective anyway, is if I wanted my money to be given to a church if I wanted my money to go to the firefighters union or the local police fraternity fraternal or police. I would have given my donation directly to them. I didn't I wanted it to go to DAB to further support DAB's mission of providing free programs of service to ill and injured veterans and their families so I hope that helps clarify that issue. At this time, I don't have any other questions that have come in. However, if there are some questions that you have that either you didn't want to ask publicly via the webinar, certainly feel free to email your question to me at department at DAB.org and I will work for the next several days and reply into each and every one of those questions that you may or may not have. And certainly as always, do not hesitate to reach out to me or April Pierce here at our national headquarters. I'm going to assist you in the completion of your annual financial reports while you're actually in the progress of completing them. We certainly want to ensure that when you're completing them, you're providing accurate information the first time so that when you submit it to the department, it's accurate, it's correct. If you're submitting it to the national organization, it's accurate and correct and all the information is there that's required so we don't have to come back to the chapter later or come back to the department later and ask for further supporting documentation or other ones. So, again, I want to I hope this information was useful to you. I want to thank each and every one of you for your time and your commitment to DAB and your interest in this topic and I will certainly see you in Orlando for those of you that are attending our national convention coming up here in just a few short weeks. If you are headed that way, safe travels, and we will see you in Orlando. Again, thank you for participating.