Civic Intelligence

Team Rubicon Inc

990 • Fiscal year 2013 • EIN 27-1720480

Jan 01, 2013 to Dec 31, 2013 • Filed on Jan 23, 2015

300 N Continental BlvdRoom/Suite 10090245

(310) 640-8787

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

31st percentile

0.06x

Higher debt load relative to assets than 31% of similar nonprofits.

2013 filings • 501(c)3 • $5M-$10M nonprofits • Source year 2013

Liabilities / Revenue

18th percentile

0.03x

Higher debt load relative to revenue than 18% of similar nonprofits.

2013 filings • 501(c)3 • $5M-$10M nonprofits • Source year 2013

Net Margin

81st percentile

25%

Higher net margin than 81% of similar nonprofits.

2013 filings • 501(c)3 • $5M-$10M nonprofits • Source year 2013

Top Officer Pay

45th percentile

$98,000

Higher top officer pay than 45% of similar nonprofits.

Top officer pay equals 1.4% of source-year revenue.

2013 filings • 501(c)3 • $5M-$10M nonprofits • Source year 2013

Asset Growth

97th percentile

93%

Faster asset growth than 97% of similar nonprofits.

2013 filings • 501(c)3 • $5M-$10M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Assets

Up

$3,987,338

Up $1,922,000 (+93%) from 2012

Net Assets

Up

$3,742,522

Up $1,841,116 (+97%) from 2012

Liabilities

Up

$244,816

Up $80,884 (+49%) from 2012

Revenue

$7,055,195

No earlier filing loaded for comparison.

Expenses

Up

$5,264,233

Up $3,689,929 (+234%) from 2012

Net Income

$1,790,962

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$60M$40M$20M$0Assets 2012: $2,065,338Liabilities 2012: $163,932Net Assets 2012: $1,901,4062012Assets 2013: $3,987,338Liabilities 2013: $244,816Net Assets 2013: $3,742,5222013Assets 2014: $3,805,957Liabilities 2014: $341,172Net Assets 2014: $3,464,7852014Assets 2015: $4,963,922Liabilities 2015: $261,939Net Assets 2015: $4,701,9832015Assets 2016: $5,772,609Liabilities 2016: $661,374Net Assets 2016: $5,111,2352016Assets 2017: $27,655,998Liabilities 2017: $1,270,354Net Assets 2017: $26,385,6442017Assets 2018: $31,834,979Liabilities 2018: $2,574,222Net Assets 2018: $29,260,7572018Assets 2019: $36,850,213Liabilities 2019: $2,091,615Net Assets 2019: $34,758,5982019Assets 2020: $40,707,997Liabilities 2020: $5,540,505Net Assets 2020: $35,167,4922020Assets 2021: $45,866,738Liabilities 2021: $5,732,830Net Assets 2021: $40,133,9082021Assets 2022: $56,105,832Liabilities 2022: $14,271,356Net Assets 2022: $41,834,4762022Assets 2023: $46,064,879Liabilities 2023: $11,441,036Net Assets 2023: $34,623,8432023Assets 2024: $52,093,508Liabilities 2024: $8,675,235Net Assets 2024: $43,418,2732024

Highlighted filing

2013

Assets$3,987,338
Liabilities$244,816
Net Assets$3,742,522

Operations Trend

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$60M$40M$20M$0-$20MExpenses 2012: $1,574,3042012Revenue 2013: $7,055,195Expenses 2013: $5,264,233Net Income 2013: $1,790,9622013Revenue 2014: $7,583,377Expenses 2014: $7,874,244Net Income 2014: -$290,8672014Revenue 2015: $8,013,149Expenses 2015: $6,721,261Net Income 2015: $1,291,8882015Revenue 2016: $11,819,932Expenses 2016: $11,426,753Net Income 2016: $393,1792016Revenue 2017: $40,398,185Expenses 2017: $19,056,160Net Income 2017: $21,342,0252017Revenue 2018: $43,234,587Expenses 2018: $40,371,305Net Income 2018: $2,863,2822018Revenue 2019: $51,414,613Expenses 2019: $45,963,661Net Income 2019: $5,450,9522019Revenue 2020: $57,480,500Expenses 2020: $57,031,181Net Income 2020: $449,3192020Revenue 2021: $40,257,630Expenses 2021: $34,582,538Net Income 2021: $5,675,0922021Revenue 2022: $51,447,038Expenses 2022: $49,554,176Net Income 2022: $1,892,8622022Revenue 2023: $40,350,863Expenses 2023: $47,949,097Net Income 2023: -$7,598,2342023Revenue 2024: $47,610,299Expenses 2024: $38,818,406Net Income 2024: $8,791,8932024

Highlighted filing

2013

Revenue$7,055,195
Expenses$5,264,233
Net Income$1,790,962
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Jan 23, 2015
Return Version
2013v4.0
Gross Receipts
$7,104,247
Mission and Program Overview

Mission

Team rubicon serves communities by mobilizing veterans to continue their service, leveraging their skills and experience to help people prepare, respond, and recover from disasters and humanitarian crises.

Team rubicon unites the skills and experiences of military veterans with medical professionals to rapidly deploy emergency response teams into crisis situations. Team rubicon's vision is a new paradigm in disaster response that recognizes and harnesses the skills of military veterans, offering them a chance to continue their service by helping and empowering those afflicted by disasters, and also themselves. Team rubicon realizes that many of today's veterans are exiting the military only to find that they are not 'whole;' meaning that their civilian lives lack some of the positive benefits that were provided by the military. Team rubicon, by providing veterans with a new mission, new purpose, new community and new opportunity, can improve the mental and emotional health of veterans, thereby making their transition to civilian life easier. Once this happens, the veteran becomes a tremendous national asset, capable of having a positive influence in his or her community; and abroad as am

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$1,111,142$1,977,036▲ $865,894
Cash and Non-Interest-Bearing Accounts$251,280$1,694,591▲ $1,443,311
Land, Buildings, and Equipment, Net$36,950$131,462▲ $94,512
Pledges and Grants Receivable$602,125$123,197▼ $478,928
Prepaid Expenses and Deferred Charges$38,140$30,460▼ $7,680
Accounts Receivable-$2,916-
Inventories for Sale or Use-$2,840-
Savings and Temporary Cash Investments$25,701$1,069▼ $24,632
Total Assets$2,065,338$3,987,338▲ $1,922,000
Other Assets Total-$23,767-
Liabilities
Accounts Payable and Accrued Expenses$123,855$180,510▲ $56,655
Other Liabilities$40,077$64,306▲ $24,229
Total Liabilities$163,932$244,816▲ $80,884
Net Assets / Fund Balance
Unrestricted Net Assets$1,806,406$3,742,522▲ $1,936,116
Temporarily Rstr Net Assets$95,000--
Total Net Assets Fund Balance$1,901,406$3,742,522▲ $1,841,116
Total Liabilities and Net Assets / Fund Balance$2,065,338$3,987,338▲ $1,922,000

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$131,462$33,645$165,107
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseTotal
Jacob WoodPresidentFT$98,000$98,000
William McnultyVice PresideFT$98,000$98,000

Board Members and Trustees

NameTitle
Adam MillerDirector
Adam YarnoldDirector
Bob VerheyDirector
Charles MacintoshDirector
Col Gi Wilson UsmcDirector
Scot ChisholmDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$6,785,816
Program Service Revenue
$0
Investment Income
$5,767
Other Revenue
$263,612
All Other Contributions
$6,785,816
Change in Net Assets
$1,790,962

Noncash Contribution Practices

Property subject to holding requirements
No
Reviewed unusual noncash gifts
Yes
Third parties used for noncash contributions
No

Noncash Contributions

Contribution TypeContribution CountReported AmountValuation Method
Other Non Cash Contri Table2$329,865Fair Market Value
Total Noncash Contributions2$329,865-

Audited Revenue Reconciliation

Revenue per Audited Statements
$7,055,195
Total Revenue per Audited Statements
$7,055,195
Total Revenue per Form 990
$7,055,195
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$4,353,054
Salaries, Compensation, and Employee Benefits$890,979
Total Fundraising Expense$171,061
Grants and Similar Amounts Paid$20,200
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$466,754$61,859$33,741$562,354
Conferences and Meetings$287,713$2,966$5,932$296,611
Fees for Services Other$194,208$40,465$4,000$238,673
Current Officers, Directors, Trustees, and Key Employees$172,480$1,960$21,560$196,000
Occupancy$60,663$65,204$901$126,768
Office Expenses$57,407$11,303$7,040$75,750
Other Employee Benefits-$70,393-$70,393
Insurance-$65,120-$65,120
Payroll Taxes$51,653$6,846$3,733$62,232
Advertising$40,882$6,246$9,653$56,781
Information Technology$18,898$14,270$5,399$38,567
Depreciation Depletion$6,623$13,838-$20,461
Grants to Domestic Orgs$20,200--$20,200
Fees for Services Accounting-$10,230-$10,230
All Other Expenses$1,924$5,585-$7,509
Other Expenses$3,912$483$79,102$4,395
Total Functional Expenses$4,707,051$386,121$171,061$5,264,233

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$5,264,233
Total Expenses per Audited Statements$5,264,233
Total Expenses per Form 990$5,264,233
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
45-5578855--Disaster Assistance$7,000
Fundraising, Events, and Gaming
Fundraising activities
Yes
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Gross Income$297,846
Fundraising Direct Expenses$38,955
Professional Fundraising Fees$0

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Event 1$297,846$297,846$38,955$258,891
Total Events$297,846$297,846$38,955$258,891
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Payroll Liabilities$64,306
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 11B

Each member of the board of directors have reviewed a full copy of the form 990 prior to filing.

Form 990, Page 6, Part VI, Line 12C

Annual reviews of all employees and officers are required to confirm that no conflicts of interest currently exist.

Form 990, Page 6, Part VI, Line 15A

Compensation of the president is subject to review and approval by the board of directors.

Form 990, Page 6, Part VI, Line 15B

The board of directors review and approve the compensation of all members of management.

Form 990, Page 6, Part VI, Line 19

Annual form 990 is available via www.foundationcenter.org and www.teamrubiconusa.org and all other governing documents including form 1023 are publically available upon request.

Filing and Contact Details

Filer

EIN
27-1720480
Phone
3106408787

Signing Officer

Name
Jacob Wood
Title
President
Phone
3106408787
Signed
2015-01-23
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Jacob Wood
Formed
2010
Legal Domicile
Mn
Voting Board Members
8
Independent Board Members
8
Employees
19
Volunteers
13,909

Preparer

Preparer
Peter E Fleming
Phone
4122782200
Supplemental Narrative

Additional Explanations

FORM 990 - ORGANIZATION'S MISSION

Team rubicon unites the skills and experiences of military veterans with medical professionals to rapidly deploy emergency response teams into crisis situations. Team rubicon's vision is a new paradigm in disaster response that recognizes and harnesses the skills of military veterans, offering them a chance to continue their service by helping and empowering those afflicted by disasters, and also themselves. Team rubicon realizes that many of today's veterans are exiting the military only to find that they are not 'whole;' meaning that their civilian lives lack some of the positive benefits that were provided by the military. Team rubicon, by providing veterans with a new mission, new purpose, new community and new opportunity, can improve the mental and emotional health of veterans, thereby making their transition to civilian life easier. Once this happens, the veteran becomes a tremendous national asset, capable of having a positive influence in his or her community; and abroad as ambassadors of american goodwill. Team rubicon addresses two significant problems facing both the united states and the world, by using each to solve the other. The first problem is an outmoded disaster response paradigm that lacks innovation, efficiency and speed. The second problem is a deluge of military veterans struggling to return to normal civilian life after ten years of war. Team rubicon has identified that disasters present many of the same issues found on the battlefield - horrific sights, sounds and smells, coupled with unstable populations and limited resources. Team rubicon also discovered that military veterans with skills cultivated on the battlefield - coordinated teamwork, decisive leadership, risk mitigation and emergency medicine - were well prepared to respond to a natural disaster. Quite unexpectedly, team rubicon later discovered that this continued service in disaster zones helps veterans nearly as much as the aid the victims. Through continued service, team rubicon is addressing challenges that veterans face after separating from the military. There are currently 2.2 million veterans who volunteered to service in iraq and afghanistan (the longest war in u.s. History). These veterans are coming home after multiple tours to find a broken economy, with few ways to translate their military skills into meaningful employment. With an overwhelmed veterans administration, many service members are left suffering from post traumatic stress disorder (ptsd) and traumatic brain injury (tbi) without adequate treatment. Team rubicon's approach to disaster response, which capitalizes on veterans' skills and willingness to serve, is a viable alternative to the status quo.

Form 990, Page 1, Part I, Line 6

Volunteers provide time and efforts for assistance in field operations. Benefits provided are stipends for meals and travel expenses.

Form 990, Page 2, Part III, Line 4D

Team rubicon provided humanitarian and conventional aid responses within and outside usa borders.

Form 990, Part XI, Line 9

Direct expenses-sched g 0 direct expenses-sched g 0

Financial Statement Notes

Schedule D, Page 4, Part XI, Line 2D

Direct expenses-sched g 0

Schedule D, Page 4, Part XII, Line 2D

Direct expenses-sched g 0

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IRS990/ActivityOrMissionDesc0TEAM RUBICON UNITES THE SKILLS AND EXPERIENCES OF MILITARY VETERANS WITH MEDICAL PROFESSIONALS TO RAPIDLY DEPLOY EMERGENCY RESPONSE TEAMS INTO CRISIS SITUATIONS. TEAM RUBICON'S VISION IS A NEW PARADIGM IN DISASTER RESPONSE THAT RECOGNIZES AND HARNESSES THE SKILLS OF MILITARY VETERANS, OFFERING THEM A CHANCE TO CONTINUE THEIR SERVICE BY HELPING AND EMPOWERING THOSE AFFLICTED BY DISASTERS, AND ALSO THEMSELVES. TEAM RUBICON REALIZES THAT MANY OF TODAY'S VETERANS ARE EXITING THE MILITARY ONLY TO FIND THAT THEY ARE NOT 'WHOLE;' MEANING THAT THEIR CIVILIAN LIVES LACK SOME OF THE POSITIVE BENEFITS THAT WERE PROVIDED BY THE MILITARY. TEAM RUBICON, BY PROVIDING VETERANS WITH A NEW MISSION, NEW PURPOSE, NEW COMMUNITY AND NEW OPPORTUNITY, CAN IMPROVE THE MENTAL AND EMOTIONAL HEALTH OF VETERANS, THEREBY MAKING THEIR TRANSITION TO CIVILIAN LIFE EASIER. ONCE THIS HAPPENS, THE VETERAN BECOMES A TREMENDOUS NATIONAL ASSET, CAPABLE OF HAVING A POSITIVE INFLUENCE IN HIS OR HER COMMUNITY; AND ABROAD AS AM
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IRS990/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE PRESIDE
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IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 4, PART XI, LINE 2D
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0TEAM RUBICON UNITES THE SKILLS AND EXPERIENCES OF MILITARY VETERANS WITH MEDICAL PROFESSIONALS TO RAPIDLY DEPLOY EMERGENCY RESPONSE TEAMS INTO CRISIS SITUATIONS. TEAM RUBICON'S VISION IS A NEW PARADIGM IN DISASTER RESPONSE THAT RECOGNIZES AND HARNESSES THE SKILLS OF MILITARY VETERANS, OFFERING THEM A CHANCE TO CONTINUE THEIR SERVICE BY HELPING AND EMPOWERING THOSE AFFLICTED BY DISASTERS, AND ALSO THEMSELVES. TEAM RUBICON REALIZES THAT MANY OF TODAY'S VETERANS ARE EXITING THE MILITARY ONLY TO FIND THAT THEY ARE NOT 'WHOLE;' MEANING THAT THEIR CIVILIAN LIVES LACK SOME OF THE POSITIVE BENEFITS THAT WERE PROVIDED BY THE MILITARY. TEAM RUBICON, BY PROVIDING VETERANS WITH A NEW MISSION, NEW PURPOSE, NEW COMMUNITY AND NEW OPPORTUNITY, CAN IMPROVE THE MENTAL AND EMOTIONAL HEALTH OF VETERANS, THEREBY MAKING THEIR TRANSITION TO CIVILIAN LIFE EASIER. ONCE THIS HAPPENS, THE VETERAN BECOMES A TREMENDOUS NATIONAL ASSET, CAPABLE OF HAVING A POSITIVE INFLUENCE IN HIS OR HER COMMUNITY; AND ABROAD AS AMBASSADORS OF AMERICAN GOODWILL. TEAM RUBICON ADDRESSES TWO SIGNIFICANT PROBLEMS FACING BOTH THE UNITED STATES AND THE WORLD, BY USING EACH TO SOLVE THE OTHER. THE FIRST PROBLEM IS AN OUTMODED DISASTER RESPONSE PARADIGM THAT LACKS INNOVATION, EFFICIENCY AND SPEED. THE SECOND PROBLEM IS A DELUGE OF MILITARY VETERANS STRUGGLING TO RETURN TO NORMAL CIVILIAN LIFE AFTER TEN YEARS OF WAR. TEAM RUBICON HAS IDENTIFIED THAT DISASTERS PRESENT MANY OF THE SAME ISSUES FOUND ON THE BATTLEFIELD - HORRIFIC SIGHTS, SOUNDS AND SMELLS, COUPLED WITH UNSTABLE POPULATIONS AND LIMITED RESOURCES. TEAM RUBICON ALSO DISCOVERED THAT MILITARY VETERANS WITH SKILLS CULTIVATED ON THE BATTLEFIELD - COORDINATED TEAMWORK, DECISIVE LEADERSHIP, RISK MITIGATION AND EMERGENCY MEDICINE - WERE WELL PREPARED TO RESPOND TO A NATURAL DISASTER. QUITE UNEXPECTEDLY, TEAM RUBICON LATER DISCOVERED THAT THIS CONTINUED SERVICE IN DISASTER ZONES HELPS VETERANS NEARLY AS MUCH AS THE AID THE VICTIMS. THROUGH CONTINUED SERVICE, TEAM RUBICON IS ADDRESSING CHALLENGES THAT VETERANS FACE AFTER SEPARATING FROM THE MILITARY. THERE ARE CURRENTLY 2.2 MILLION VETERANS WHO VOLUNTEERED TO SERVICE IN IRAQ AND AFGHANISTAN (THE LONGEST WAR IN U.S. HISTORY). THESE VETERANS ARE COMING HOME AFTER MULTIPLE TOURS TO FIND A BROKEN ECONOMY, WITH FEW WAYS TO TRANSLATE THEIR MILITARY SKILLS INTO MEANINGFUL EMPLOYMENT. WITH AN OVERWHELMED VETERANS ADMINISTRATION, MANY SERVICE MEMBERS ARE LEFT SUFFERING FROM POST TRAUMATIC STRESS DISORDER (PTSD) AND TRAUMATIC BRAIN INJURY (TBI) WITHOUT ADEQUATE TREATMENT. TEAM RUBICON'S APPROACH TO DISASTER RESPONSE, WHICH CAPITALIZES ON VETERANS' SKILLS AND WILLINGNESS TO SERVE, IS A VIABLE ALTERNATIVE TO THE STATUS QUO.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1VOLUNTEERS PROVIDE TIME AND EFFORTS FOR ASSISTANCE IN FIELD OPERATIONS. BENEFITS PROVIDED ARE STIPENDS FOR MEALS AND TRAVEL EXPENSES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2TEAM RUBICON PROVIDED HUMANITARIAN AND CONVENTIONAL AID RESPONSES WITHIN AND OUTSIDE USA BORDERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3EACH MEMBER OF THE BOARD OF DIRECTORS HAVE REVIEWED A FULL COPY OF THE FORM 990 PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4ANNUAL REVIEWS OF ALL EMPLOYEES AND OFFICERS ARE REQUIRED TO CONFIRM THAT NO CONFLICTS OF INTEREST CURRENTLY EXIST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5COMPENSATION OF THE PRESIDENT IS SUBJECT TO REVIEW AND APPROVAL BY THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE BOARD OF DIRECTORS REVIEW AND APPROVE THE COMPENSATION OF ALL MEMBERS OF MANAGEMENT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7ANNUAL FORM 990 IS AVAILABLE VIA WWW.FOUNDATIONCENTER.ORG AND WWW.TEAMRUBICONUSA.ORG AND ALL OTHER GOVERNING DOCUMENTS INCLUDING FORM 1023 ARE PUBLICALLY AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8DIRECT EXPENSES-SCHED G 0 DIRECT EXPENSES-SCHED G 0
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990 - ORGANIZATION'S MISSION
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART XI, LINE 9
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