Thanks to both of you for your explanations. I learn something new on FR everyday that I log on. :)
You are very welcome ... a very limited explanation, but to cut to the chase it makes every dollar I give, work efficiently. I firmly believe in charitable giving, but I want it to be efficient from my end, AND more important I want the recipient to be efficient with my gift on their end as well.
For example, over 70% of money given to United Way is eaten up by their own administration costs, AND even though you designate an area, by law they do not have to honor your wishes. To me that is outrageous.
I tend to donate to charities where less than 10% of the gift is eaten up in admin costs. 10% may sound high, but in reality it is pretty reasonable.