Civic Intelligence

The Association for Business Communication

EIN 37-0789523 • 501(c)6 • Savoy, IL

Profile

Committed to advancing business

PO Box 35Savoy, IL 61874

www.businesscommunication.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

29th percentile

0.00x

Higher debt load relative to assets than 29% of similar nonprofits.

501(c)6 • $500k-$1M nonprofits • Source year 2024

Liabilities / Revenue

32nd percentile

0.00x

Higher debt load relative to revenue than 32% of similar nonprofits.

501(c)6 • $500k-$1M nonprofits • Source year 2024

Net Margin

44th percentile

1.6%

Higher net margin than 44% of similar nonprofits.

501(c)6 • $500k-$1M nonprofits • Source year 2024

Top Officer Pay

67th percentile

$91,806

Higher top officer pay than 67% of similar nonprofits.

Top officer pay equals 22.9% of source-year revenue.

501(c)6 • $500k-$1M nonprofits • Source year 2024

Asset Growth

61st percentile

7.9%

Faster asset growth than 61% of similar nonprofits.

501(c)6 • $500k-$1M nonprofits • Annualized from 2023 to 2024

Revenue Growth

22nd percentile

-6.2%

Faster revenue growth than 22% of similar nonprofits.

501(c)6 • $500k-$1M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets29th percentile

Assets

Up

$721,099

Up $53,021 (+7.9%) from 2023

Liabilities

Down

$1,337

Down $7,075 (-84%) from 2023

Net Assets

Up

$719,762

Up $60,096 (+9.1%) from 2023

Operations
Liabilities / Revenue32nd percentileNet Margin44th percentile

Revenue

Down

$401,112

Down $26,682 (-6.2%) from 2023

Expenses

Down

$394,568

Down $85,932 (-18%) from 2023

Net Income

Up

$6,544

Up $59,250 (+112%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth61st percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$800K$600K$400K$200K$0Assets 2010: $444,948Liabilities 2010: $0Net Assets 2010: $444,9482010Assets 2013: $513,736Liabilities 2013: $4,063Net Assets 2013: $509,6732013Assets 2014: $506,353Liabilities 2014: $5,361Net Assets 2014: $500,9922014Assets 2015: $477,496Liabilities 2015: $8,615Net Assets 2015: $468,8812015Assets 2016: $483,910Liabilities 2016: $6,242Net Assets 2016: $477,6682016Assets 2017: $476,930Liabilities 2017: $4,812Net Assets 2017: $472,1182017Assets 2018: $583,030Liabilities 2018: $7,129Net Assets 2018: $575,9012018Assets 2019: $512,626Liabilities 2019: $25,379Net Assets 2019: $487,2472019Assets 2020: $600,897Liabilities 2020: $5,893Net Assets 2020: $595,0042020Assets 2021: $711,446Liabilities 2021: $12,007Net Assets 2021: $699,4392021Assets 2022: $721,029Liabilities 2022: $8,658Net Assets 2022: $712,3712022Assets 2023: $668,078Liabilities 2023: $8,412Net Assets 2023: $659,6662023Assets 2024: $721,099Liabilities 2024: $1,337Net Assets 2024: $719,7622024

Highlighted filing

2024

Assets$721,099
Liabilities$1,337
Net Assets$719,762
Open 2024 Filing

Operations Trend

Revenue Growth22nd percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$600K$400K$200K$0-$200KExpenses 2010: $326,9252010Revenue 2013: $357,344Expenses 2013: $357,166Net Income 2013: $1782013Revenue 2014: $371,561Expenses 2014: $393,833Net Income 2014: -$22,2722014Revenue 2015: $398,051Expenses 2015: $401,160Net Income 2015: -$3,1092015Revenue 2016: $388,725Expenses 2016: $375,109Net Income 2016: $13,6162016Revenue 2017: $364,091Expenses 2017: $368,212Net Income 2017: -$4,1212017Revenue 2018: $464,024Expenses 2018: $361,699Net Income 2018: $102,3252018Revenue 2019: $443,718Expenses 2019: $532,766Net Income 2019: -$89,0482019Revenue 2020: $356,642Expenses 2020: $248,845Net Income 2020: $107,7972020Revenue 2021: $378,558Expenses 2021: $274,680Net Income 2021: $103,8782021Revenue 2022: $426,049Expenses 2022: $413,092Net Income 2022: $12,9572022Revenue 2023: $427,794Expenses 2023: $480,500Net Income 2023: -$52,7062023Revenue 2024: $401,112Expenses 2024: $394,568Net Income 2024: $6,5442024

Highlighted filing

2024

Revenue$401,112
Expenses$394,568
Net Income$6,544
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$721,099
Liabilities
$1,337
Net assets
$719,762
Revenue
$401,112
Expenses
$394,568
Net income
$6,544
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$7.21$0.01$7.20$4.01$3.95$0.07
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$6.68$0.08$6.60$4.28$4.81$0.53
2022Detailed filing. Detailed filing data is available for this year.$7.21$0.09$7.12$4.26$4.13$0.13
2021Detailed filing. Detailed filing data is available for this year.$7.11$0.12$6.99$3.79$2.75$1.04
2020Detailed filing. Detailed filing data is available for this year.$6.01$0.06$5.95$3.57$2.49$1.08
2019Detailed filing. Detailed filing data is available for this year.$5.13$0.25$4.87$4.44$5.33$0.89
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5.83$0.07$5.76$4.64$3.62$1.02
2017Detailed filing. Detailed filing data is available for this year.$4.77$0.05$4.72$3.64$3.68$0.04
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.84$0.06$4.78$3.89$3.75$0.14
2015Detailed filing. Detailed filing data is available for this year.$4.77$0.09$4.69$3.98$4.01$0.03
2014Detailed filing. Detailed filing data is available for this year.$5.06$0.05$5.01$3.72$3.94$0.22
2013Detailed filing. Detailed filing data is available for this year.$5.14$0.04$5.10$3.57$3.57$0.00
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.45$0.00$4.45$3.27
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 7, 2025
Return Version
2024v5.2
Gross Receipts
$417,648
Mission and Program Overview

Mission

Committed to advancing business communication research, education, and practice.

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$659,666$719,762▲ $60,096
Investments in Publicly Traded Securities$553,176$627,794▲ $74,618
Cash and Non-Interest-Bearing Accounts$109,513$87,167▼ $22,346
Savings and Temporary Cash Investments$5,274$5,882▲ $608
Prepaid Expenses and Deferred Charges-$256-
Accounts Receivable$115$0▼ $115
Total Assets$668,078$721,099▲ $53,021
Liabilities
Other Liabilities$3,648$813▼ $2,835
Accounts Payable and Accrued Expenses$4,764$524▼ $4,240
Total Liabilities$8,412$1,337▼ $7,075
Net Assets / Fund Balance
Total Net Assets Fund Balance$659,666$719,762▲ $60,096
Total Liabilities and Net Assets / Fund Balance$668,078$721,099▲ $53,021
Compensation and Service Providers
Top Officer Pay67th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kathryn RybkaExecutive Director and TreasurerPT$89,191$2,615$91,806

Board Members and Trustees

NameTitle
Barbara ShwomPast President
Judith AinsworthPresident
Patricia HarmsVice President
Christina McDowellDirector
Christopher TothDirector
Leslie Ramos SalazarDirector
Leslie SeawrightDirector
Lisa Gueldenzoph SnyderDirector
W Christopher BrownDirector
Ann SpringerCo-Regional VP
Scott SpringerCo-Regional VP
Ana MagalhaesRegional VP
Barbara BoltRegional VP
Lucia SigmarRegional VP
Misa FujioRegional VP
Nancy MahonRegional VP
Paula LentzRegional VP
Ursula LutzkyRegional VP
Valerie CreelmanRegional VP
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$376,971
Investment Income
$24,140
Other Revenue
$1
Change in Net Assets
$6,544
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$217,565
Salaries, Compensation, and Employee Benefits$177,003
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Conferences and Meetings$107,127$0$0$107,127
Current Officers, Directors, Trustees, and Key Employees$80,272$8,919$0$89,191
Other Salaries and Wages$56,164$6,241$0$62,405
Travel$22,468$0$0$22,468
Payroll Taxes$12,168$1,352$0$13,520
Office Expenses$9,522$3,562$0$13,084
Other Employee Benefits$10,698$1,189$0$11,887
Insurance$0$8,369$0$8,369
Other Expenses$110$8,100$0$8,210
Fees for Services Accounting$3,870$3,870$0$7,740
Fees for Service Investment Mgmnt Fees$0$3,007$0$3,007
All Other Expenses$0$1,200$0$1,200
Fees for Services Legal$0$643$0$643
Total Functional Expenses$306,092$88,476$0$394,568
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Payroll Liabilities Paid in Following Year$813
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No
Filing and Contact Details

Filer

Filer Name
The Association for Business Communication
EIN
37-0789523
Phone
2176212973
Address
PO Box 35, Savoy, IL 61874

Signing Officer

Name
Kathryn M Rybka
Title
Executive Director
Phone
2176212973
Signed
2025-05-07
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Kathryn M Rybka
Formed
1982
Legal Domicile
Il
Voting Board Members
19
Independent Board Members
19
Employees
4
Volunteers
0

Preparer

Firm
Accounting Associates Inc
Address
303 Church St, BLACKSBURG, VA 24060
Preparer
Zachary T Slagel
Phone
5409533192
Supplemental Narrative

Additional Explanations

Pt VI, Line 11B

“Executive Director reviews 990. 990 is available to board upon request. Quarterly and year-end financials are shared with the ABC Board and Finance Committee at meetings.”

Pt VI, Line 7A

“Annual election conducted with paid members voting on slate”

Pt VI, Line 7A

“of officers as set forth by Nominating Committee”

Pt VI, Line 7B

“Bylaws ratified by paid members annually or as needed.”

Pt VI, Line 19

“Governing documents are available on website”

Pt VI, Line 19

“Form 990 is available upon request; no other financial statements”

Pt VI, Line 19

“are made available to the public.”

Raw XML AppendixShowing 400 of 527 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
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IRS990/BooksInCareOfDetail/PhoneNum05409533192
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0303 Church St
IRS990/BooksInCareOfDetail/USAddress/CityNm0Blacksburg
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0VA
IRS990/BooksInCareOfDetail/USAddress/ZIPCd024060
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
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IRS990/CashNonInterestBearingGrp/BOYAmt0109513
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IRS990/CompensationProcessOtherInd0false
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IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
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IRS990/CYOtherExpensesAmt0217565
IRS990/CYOtherRevenueAmt01
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IRS990/CYTotalProfFndrsngExpnsAmt00
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IRS990/DecisionsSubjectToApprovaInd0true
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IRS990/DeductibleNonCashContriInd0false
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IRS990/EmployeeCnt04
IRS990/EmploymentTaxReturnsFiledInd0true
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IRS990/FederalGrantAuditRequiredInd0false
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IRS990/FeesForServicesLegalGrp/ProgramServicesAmt00
IRS990/FeesForServicesLegalGrp/TotalAmt0643
IRS990/FeesForSrvcInvstMgmntFeesGrp/FundraisingAmt00
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IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt03007
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
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IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
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IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd0X
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IRS990/Form990PartVIISectionAGrp/PersonNm0Christina McDowell
IRS990/Form990PartVIISectionAGrp/PersonNm1Leslie Ramos Salazar
IRS990/Form990PartVIISectionAGrp/PersonNm2Lisa Gueldenzoph Snyder
IRS990/Form990PartVIISectionAGrp/PersonNm3Barbara Shwom
IRS990/Form990PartVIISectionAGrp/PersonNm4Ann Springer
IRS990/Form990PartVIISectionAGrp/PersonNm5Christopher Toth
IRS990/Form990PartVIISectionAGrp/PersonNm6Judith Ainsworth
IRS990/Form990PartVIISectionAGrp/PersonNm7Patricia Harms
IRS990/Form990PartVIISectionAGrp/PersonNm8Kathryn Rybka
IRS990/Form990PartVIISectionAGrp/PersonNm9W Christopher Brown
IRS990/Form990PartVIISectionAGrp/PersonNm10Scott Springer
IRS990/Form990PartVIISectionAGrp/PersonNm11Valerie Creelman
IRS990/Form990PartVIISectionAGrp/PersonNm12Ana Magalhaes
IRS990/Form990PartVIISectionAGrp/PersonNm13Ursula Lutzky
IRS990/Form990PartVIISectionAGrp/PersonNm14Leslie Seawright
IRS990/Form990PartVIISectionAGrp/PersonNm15Barbara Bolt
IRS990/Form990PartVIISectionAGrp/PersonNm16Lucia Sigmar
IRS990/Form990PartVIISectionAGrp/PersonNm17Misa Fujio
IRS990/Form990PartVIISectionAGrp/PersonNm18Paula Lentz
IRS990/Form990PartVIISectionAGrp/PersonNm19Nancy Mahon
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt190
IRS990/Form990PartVIISectionAGrp/TitleTxt0Director
IRS990/Form990PartVIISectionAGrp/TitleTxt1Director
IRS990/Form990PartVIISectionAGrp/TitleTxt2Director
IRS990/Form990PartVIISectionAGrp/TitleTxt3Past President
IRS990/Form990PartVIISectionAGrp/TitleTxt4Co-Regional VP
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6President
IRS990/Form990PartVIISectionAGrp/TitleTxt7Vice President
IRS990/Form990PartVIISectionAGrp/TitleTxt8Executive Director and Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt9Director
IRS990/Form990PartVIISectionAGrp/TitleTxt10Co-Regional VP
IRS990/Form990PartVIISectionAGrp/TitleTxt11Regional VP
IRS990/Form990PartVIISectionAGrp/TitleTxt12Regional VP
IRS990/Form990PartVIISectionAGrp/TitleTxt13Regional VP
IRS990/Form990PartVIISectionAGrp/TitleTxt14Director
IRS990/Form990PartVIISectionAGrp/TitleTxt15Regional VP
IRS990/Form990PartVIISectionAGrp/TitleTxt16Regional VP
IRS990/Form990PartVIISectionAGrp/TitleTxt17Regional VP
IRS990/Form990PartVIISectionAGrp/TitleTxt18Regional VP
IRS990/Form990PartVIISectionAGrp/TitleTxt19Regional VP
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IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
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IRS990/IncludeFIN48FootnoteInd0false
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IRS990/InfoInScheduleOPartVIInd0X
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IRS990/InsuranceGrp/ManagementAndGeneralAmt08369
IRS990/InsuranceGrp/ProgramServicesAmt00
IRS990/InsuranceGrp/TotalAmt08369
IRS990/InvestmentIncomeGrp/ExclusionAmt00
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IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
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IRS990/InvestmentsPubTradedSecGrp/BOYAmt0553176
IRS990/InvestmentsPubTradedSecGrp/EOYAmt0627794
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
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IRS990/LocalChaptersInd0false
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IRS990/MembersOrStockholdersInd0false
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IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0Committed to advancing business communication research, education, and practice.
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IRS990/MoreThan5000KToOrgInd0false
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IRS990/NetAssetsOrFundBalancesEOYAmt0719762
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IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt06179
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IRS990/NetUnrelatedBusTxblIncmAmt00
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IRS990/OfficeExpensesGrp/FundraisingAmt00
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IRS990/OfficeExpensesGrp/ProgramServicesAmt09522
IRS990/OfficeExpensesGrp/TotalAmt013084
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt00
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IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt010698
IRS990/OtherEmployeeBenefitsGrp/TotalAmt011887
IRS990/OtherExpensesGrp/Desc0Printing & Publications
IRS990/OtherExpensesGrp/Desc1Website Support
IRS990/OtherExpensesGrp/Desc2Credit Card Processing, Misc & Roundg
IRS990/OtherExpensesGrp/FundraisingAmt00
IRS990/OtherExpensesGrp/FundraisingAmt10
IRS990/OtherExpensesGrp/FundraisingAmt20
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt00
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt142024
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt28100
IRS990/OtherExpensesGrp/ProgramServicesAmt03693
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IRS990/OtherRevenueMiscGrp/Desc0$ Collected for Business Communication Research Foundation
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IRS990/OtherRevenueMiscGrp/Desc2Rounding Adjustment
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IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt20
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IRS990/OtherSalariesAndWagesGrp/FundraisingAmt00
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt06241
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt056164
IRS990/OtherSalariesAndWagesGrp/TotalAmt062405
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/FundraisingAmt00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt01352
IRS990/PayrollTaxesGrp/ProgramServicesAmt012168
IRS990/PayrollTaxesGrp/TotalAmt013520
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0256
IRS990/PrincipalOfficerNm0Kathryn M Rybka
IRS990/PriorPeriodAdjustmentsAmt020027
IRS990/ProfessionalFundraisingInd0false
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IRS990/ProgramServiceRevenueGrp/Desc0Royalties/Publications
IRS990/ProgramServiceRevenueGrp/Desc1Conventions & Meetings
IRS990/ProgramServiceRevenueGrp/Desc2Membership Dues & Assessments
IRS990/ProgramServiceRevenueGrp/Desc3Awards Income
IRS990/ProgramServiceRevenueGrp/Desc4Placement Services
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IRS990/ProgramServiceRevenueGrp/ExclusionAmt40
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1124020
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt252468
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt30
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt4350
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
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IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt40
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IRS990/PYOtherExpensesAmt0331172
IRS990/PYOtherRevenueAmt0171
IRS990/PYProgramServiceRevenueAmt0438890
IRS990/PYRevenuesLessExpensesAmt0-52706
IRS990/PYSalariesCompEmpBnftPaidAmt0149328
IRS990/PYTotalExpensesAmt0480500
IRS990/PYTotalRevenueAmt0427794
IRS990/ReconcilationRevenueExpnssAmt06544
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IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0false
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0659666
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0719762
IRS990/SavingsAndTempCashInvstGrp/BOYAmt05274
IRS990/SavingsAndTempCashInvstGrp/EOYAmt05882
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0813
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Payroll Liabilities Paid in Following Year
IRS990ScheduleD/TotalLiabilityAmt0813
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Executive Director reviews 990. 990 is available to board upon request. Quarterly and year-end financials are shared with the ABC Board and Finance Committee at meetings.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Annual election conducted with paid members voting on slate
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2of officers as set forth by Nominating Committee
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Bylaws ratified by paid members annually or as needed.

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