AFE FOUNDATION

#endAFE

Vista, CA | www.afesupport.org

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GuideStar Charity Check

AFE FOUNDATION

EIN: 26-4207421

Contributions tax deductible
as of March 2023

IRS BMF 509(a)(1)
as of March 13, 2023

View summary

Charity Check report

Mission

Reducing maternal and infant mortality attributed to amniotic fluid embolism while helping those impacted navigate paths forward.

Ruling year info

2012

Executive Director

Mrs. Miranda Klassen

Main address

1611 S Melrose Drive Suite A #152

Vista, CA 92081 USA

Show more contact info

EIN

26-4207421

Subject area info

Diseases and conditions

Population served info

Women and girls

NTEE code info

Specifically Named Diseases (G80)

IRS subsection

501(c)(3) Public Charity

IRS filing requirement

This organization is required to file an IRS Form 990 or 990-EZ.

Tax forms

Show Forms 990

Communication

Programs and results

What we aim to solve

This profile needs more info.

If it is your nonprofit, add a problem overview.

Our programs

SOURCE: Self-reported by organization

What are the organization's current programs, how do they measure success, and who do the programs serve?

Amniotic Fluid Embolism Registry at Baylor College of Medicine

One of the primary goals of the AFE Foundation is to spur clinical research on amniotic fluid embolism (AFE).

The AFE Foundation has joined into a formal collaboration with Baylor College of Medicine in Houston, Texas, Wayne State University in Detroit Michigan, and the Perinatology Research Branch of the National Institute of Health (NIH) to form an international registry and biorepository of cases of amniotic fluid embolism. This registry allows for greater visibility into incidence rates, survival rates, and commonalities amongst those affected.

Population(s) Served

Women and girls

Where we work

Awards

Top Non Profit 2020

Great NonProfits

Affiliations & memberships

National Organization of Rare Disorders (NORD) 2018

MoMMA's Voices 2018

External reviews

Photos

Videos

Our Sustainable Development Goals

SOURCE: Self-reported by organization

Learn more about Sustainable Development Goals.

Goals & Strategy

SOURCE: Self-reported by organization

Learn about the organization's key goals, strategies, capabilities, and progress.

Charting impact

Four powerful questions that require reflection about what really matters - results.

What is the organization aiming to accomplish?

The AFE foundation exists to better understand AFE and identify it’s cause so that clinicians will be able to predict, prevent, and thereby reduce lives lost and collateral harm done to mothers, babies, families and communities.

What are the organization's key strategies for making this happen?

Our strategy is to advance research, promote education, elevate awareness, and provide support for those impacted. We are frequently asked to speak, participate as a panelist, and lecture on amniotic fluid embolism and patient advocacy.

What are the organization's capabilities for doing this?

We are an international network of those affected by AFE, advised by a world-renowned medical advisory board comprising respected physicians, nurses, and expert researchers. The AFE Foundation also collaborates with other non-profit organizations, governmental agencies, prestigious academic institutions, and corporate partners to help carry out our mission and vision.

We have an expert community willing to participate in research and education. The Executive Director of the AFE Foundation serves on boards of various maternal health organizations. She is the Patient Advocate for the Council for Patient Safety in Women’s Health Care based in Washington D.C., Executive Committee Member for the California Maternal Quality Care Collaborative (CMQCC), Pregnancy Associated Maternal Mortality Review Committee (PAMR) Executive Advisory Member for the Institute for Perinatal Quality Improvement, and as a member of the expert panel for the Obstetric Life Support Pregnancy Resuscitation Program at Baylor College of Medicine. We are seen as the experts of AFE and revered as the primary resource for information as it pertains to AFE.

What have they accomplished so far and what's next?

We have accomplished a great deal since 2008. Our research registry has garnered an international following and collaboration. We have published more than a dozen papers on AFE treatment and management, diagnostic criteria, subsequent pregnancies, risk factors, and how to support patients, family, and staff after a severe maternal event.

We have provided direct education to over 10,000 clinicians across the globe through lectures and panels at Grand Rounds, webinars, and medical society meetings.

More than 1,500 families are engaged in our organization and participate in various support groups, peer outreach programs, and advocacy training opportunities.

Our impact would not be possible without the generosity and engagement of our supporters. While we have much to be proud of, we know there is still a great deal of work to be done. AFE remains unpreventable and poorly understood. Mothers and their babies are still dying. We envision a world free from the devastation of AFE when all moms can experience motherhood.

How we listen

SOURCE: Self-reported by organization

Seeking feedback from people served makes programs more responsive and effective. Here’s how this organization is listening.

We demonstrated a willingness to learn more by reviewing resources about feedback practice.

We shared information about our current feedback practices.

How is your organization collecting feedback from the people you serve?

Electronic surveys (by email, tablet, etc.), Community meetings/Town halls, Constituent (client or resident, etc.) advisory committees,
How is your organization using feedback from the people you serve?

To identify bright spots and enhance positive service experiences, To inform the development of new programs/projects, To identify where we are less inclusive or equitable across demographic groups, To strengthen relationships with the people we serve,
With whom is the organization sharing feedback?

The people we serve, Our staff, Our board, Our funders,
Which of the following feedback practices does your organization routinely carry out?
What challenges does the organization face when collecting feedback?

It is difficult to find the ongoing funding to support feedback collection,

Financials

AFE FOUNDATION

Fiscal year: Jan 01 - Dec 31

Revenue vs. expenses: breakdown

SOURCE: IRS Form 990

NET GAIN/LOSS: in

Note: When component data are not available, the graph displays the total Revenue and/or Expense values.

Liquidity in 2020

SOURCE: IRS Form 990

7.87

Average of 35.88 over 7 years

Months of cash in 2020

SOURCE: IRS Form 990

76.3

Average of 29.9 over 7 years

Fringe rate in 2020

SOURCE: IRS Form 990

8%

Average of 5% over 7 years

Funding sources

Source: IRS Form 990

Assets & liabilities

Source: IRS Form 990

Financial data

Source: IRS Form 990

Digitizing IRS form 990 data

AFE FOUNDATION

Revenue & expenses

Fiscal Year: Jan 01 - Dec 31

SOURCE: IRS Form 990

Fiscal year ending: Download Data

Revenue
Contributions	$51,103
Program Services	$0
Investments	$0
Special Events	$50,068
Sales	$0
Other	$0
Total Revenue	$101,171

Expenses
Grants	$0
Salaries & Employee Benefits	$0
Professional Fees	$0
Occupancy	$0
Printing, Publications, Postage, etc.	$197
Other Expenses	$31,479
Total Expenses	$31,676
Net Gain/Loss	$69,495

Revenue
Contributions	$97,371
Program Services	$0
Investments	$0
Special Events	$34,442
Sales	$0
Other	$0
Total Revenue	$131,813

Expenses
Grants	$0
Salaries & Employee Benefits	$38,002
Professional Fees	$0
Occupancy	$0
Printing, Publications, Postage, etc.	$594
Other Expenses	$40,415
Total Expenses	$79,011
Net Gain/Loss	$52,802

Revenue
Contributions	$102,841
Program Services	$0
Investments	$92
Special Events	$33,995
Sales	$0
Other	$0
Total Revenue	$136,928

Expenses
Grants	$0
Salaries & Employee Benefits	$38,852
Professional Fees	$0
Occupancy	$0
Printing, Publications, Postage, etc.	$1,212
Other Expenses	$37,718
Total Expenses	$77,782
Net Gain/Loss	$59,146

Revenue
Contributions	$99,064
Government Grants	$0
Program Services	$0
Investments	$391
Special Events	$61,460
Sales	$0
Other	$0
Total Revenue	$160,915

Expenses
Program Services	$64,062
Administration	$10,312
Fundraising	$10,861
Total Expenses	$85,235
Net Gain/Loss	$75,680

Functional expenses
Accounting Fees	$757
Advertising & Promotion	$1,613
Information Technology Expenses	$321
Insurance Expenses	$1,594
Interest Expenses	$0
Investment Management Fees	$0
Legal Fees	$0
Pension Plan Contributions	$0
Professional Fundraising Expenses	$0

Revenue
Contributions	$160,919
Government Grants	$0
Program Services	$0
Investments	$1,959
Special Events	$49,127
Sales	$0
Other	$0
Total Revenue	$212,005

Expenses
Program Services	$81,563
Administration	$14,439
Fundraising	$11,883
Total Expenses	$107,885
Net Gain/Loss	$104,120

Functional expenses
Accounting Fees	$1,517
Advertising & Promotion	$4,006
Information Technology Expenses	$1,644
Insurance Expenses	$1,700
Interest Expenses	$0
Investment Management Fees	$0
Legal Fees	$0
Pension Plan Contributions	$0
Professional Fundraising Expenses	$0

Revenue
Contributions	$171,555
Government Grants	$0
Program Services	$0
Investments	$6,733
Special Events	$34,137
Sales	$0
Other	$0
Total Revenue	$212,425

Expenses
Program Services	$105,841
Administration	$16,109
Fundraising	$12,803
Total Expenses	$134,753
Net Gain/Loss	$77,672

Functional expenses
Accounting Fees	$832
Advertising & Promotion	$6,134
Information Technology Expenses	$898
Insurance Expenses	$2,513
Interest Expenses	$0
Investment Management Fees	$0
Legal Fees	$0
Pension Plan Contributions	$0
Professional Fundraising Expenses	$0

Revenue
Contributions	$190,976
Government Grants	$0
Program Services	$0
Investments	$2,873
Special Events	$2,190
Sales	$0
Other	$3,000
Total Revenue	$199,039

Expenses
Program Services	$79,100
Administration	$11,092
Fundraising	$12,773
Total Expenses	$102,965
Net Gain/Loss	$96,074

Functional expenses
Accounting Fees	$0
Advertising & Promotion	$4,893
Information Technology Expenses	$368
Insurance Expenses	$2,598
Interest Expenses	$0
Investment Management Fees	$0
Legal Fees	$0
Pension Plan Contributions	$0
Professional Fundraising Expenses	$0

AFE FOUNDATION

Balance sheet

Fiscal Year: Jan 01 - Dec 31

SOURCE: IRS Form 990

The balance sheet gives a snapshot of the financial health of an organization at a particular point in time. An organization's total assets should generally exceed its total liabilities, or it cannot survive long, but the types of assets and liabilities must also be considered. For instance, an organization's current assets (cash, receivables, securities, etc.) should be sufficient to cover its current liabilities (payables, deferred revenue, current year loan, and note payments). Otherwise, the organization may face solvency problems. On the other hand, an organization whose cash and equivalents greatly exceed its current liabilities might not be putting its money to best use.

Fiscal year ending: Download Data

Assets	Jan 01, 2014	Dec 31, 2014	Change
Contributions	$51,103
Cash & Equivalents	$58,090	$121,685	$63,595
Fixed Assets (LBE - Depreciation)	$0	$0	$0
Other	$0	$0	$0
Total Assets	$58,090	$121,685	$63,595

Liabilities	Jan 01, 2014	Dec 31, 2014	Change
Total Liabilities	$5,900	$0	($5,900)

Fund balance	Jan 01, 2014	Dec 31, 2014	Change
Net Assets	$52,190	$121,685	$69,495

Assets	Jan 01, 2015	Dec 31, 2015	Change
Contributions	$97,371
Cash & Equivalents	$121,685	$177,328	$55,643
Fixed Assets (LBE - Depreciation)	$0	$0	$0
Other	$0	$99	$99
Total Assets	$121,685	$177,427	$55,742

Liabilities	Jan 01, 2015	Dec 31, 2015	Change
Total Liabilities	$0	$2,940	$2,940

Fund balance	Jan 01, 2015	Dec 31, 2015	Change
Net Assets	$121,685	$174,487	$52,802

Assets	Jan 01, 2016	Dec 31, 2016	Change
Contributions	$102,841
Cash & Equivalents	$177,328	$237,106	$59,778
Fixed Assets (LBE - Depreciation)	$0	$0	$0
Other	$99	$1,000	$901
Total Assets	$177,427	$238,106	$60,679

Liabilities	Jan 01, 2016	Dec 31, 2016	Change
Total Liabilities	$2,940	$4,473	$1,533

Fund balance	Jan 01, 2016	Dec 31, 2016	Change
Net Assets	$174,487	$233,633	$59,146

Assets	Jan 01, 2017	Dec 31, 2017	Change
Contributions	$99,064
Cash & Equivalents	$237,106	$311,500	$74,394
Accounts Receivable	$0	$0	$0
Pledges & Grants Receivable	$1,000	$0	($1,000)
Receivable, Other	$0	$0	$0
Inventories for Sale or Use	$0	$0	$0
Investment, Securities	$0	$0	$0
Investment, Other	$0	$0	$0
Fixed Assets (LBE - Depreciation)	$0	$0	$0
Other	$0	$0	$0
Total Assets	$238,106	$311,500	$73,394

Liabilities	Jan 01, 2017	Dec 31, 2017	Change
Accounts Payable	$4,473	$2,186	($2,287)
Grants Payable	$0	$0	$0
Deferred Revenue	$0	$0	$0
Loans and Notes	$0	$0	$0
Tax-Exempt Bond Liabilities	$0	$0	$0
Other	$0	$1	$1
Total Liabilities	$4,473	$2,187	($2,286)

Fund balance	Jan 01, 2017	Dec 31, 2017	Change
Temporarily Restricted Net Assets	$0	$0	$0
Permanently Restricted Net Assets	$0	$0	$0
Total Restricted Net Assets	$0	$0	$0
Unrestricted Net Assets	$0	$0	$0
Net Assets	$233,633	$309,313	$75,680

Assets	Jan 01, 2018	Dec 31, 2018	Change
Contributions	$160,919
Cash & Equivalents	$311,500	$418,676	$107,176
Accounts Receivable	$0	$0	$0
Pledges & Grants Receivable	$0	$0	$0
Receivable, Other	$0	$0	$0
Inventories for Sale or Use	$0	$0	$0
Investment, Securities	$0	$0	$0
Investment, Other	$0	$0	$0
Fixed Assets (LBE - Depreciation)	$0	$0	$0
Other	$0	$0	$0
Total Assets	$311,500	$418,676	$107,176

Liabilities	Jan 01, 2018	Dec 31, 2018	Change
Accounts Payable	$2,186	$5,243	$3,057
Grants Payable	$0	$0	$0
Deferred Revenue	$0	$0	$0
Loans and Notes	$0	$0	$0
Tax-Exempt Bond Liabilities	$0	$0	$0
Other	$1	$0	($1)
Total Liabilities	$2,187	$5,243	$3,056

Fund balance	Jan 01, 2018	Dec 31, 2018	Change
Temporarily Restricted Net Assets	$0	$0	$0
Permanently Restricted Net Assets	$0	$0	$0
Total Restricted Net Assets	$0	$0	$0
Unrestricted Net Assets	$0	$0	$0
Net Assets	$309,313	$413,433	$104,120

Assets	Jan 01, 2019	Dec 31, 2019	Change
Contributions	$171,555
Cash & Equivalents	$418,676	$476,022	$57,346
Accounts Receivable	$0	$0	$0
Pledges & Grants Receivable	$0	$24,037	$24,037
Receivable, Other	$0	$0	$0
Inventories for Sale or Use	$0	$0	$0
Investment, Securities	$0	$0	$0
Investment, Other	$0	$0	$0
Fixed Assets (LBE - Depreciation)	$0	$0	$0
Other	$0	$13,750	$13,750
Total Assets	$418,676	$513,809	$95,133

Liabilities	Jan 01, 2019	Dec 31, 2019	Change
Accounts Payable	$5,243	$22,704	$17,461
Grants Payable	$0	$0	$0
Deferred Revenue	$0	$0	$0
Loans and Notes	$0	$0	$0
Tax-Exempt Bond Liabilities	$0	$0	$0
Other	$0	$0	$0
Total Liabilities	$5,243	$22,704	$17,461

Fund balance	Jan 01, 2019	Dec 31, 2019	Change
Temporarily Restricted Net Assets	N/A	N/A	N/A
Permanently Restricted Net Assets	N/A	N/A	N/A
Total Restricted Net Assets	$0	$0	$0
Unrestricted Net Assets	$0	$0	$0
Net Assets	$413,433	$491,105	$77,672

Assets	Jan 01, 2020	Dec 31, 2020	Change
Contributions	$190,976
Cash & Equivalents	$476,022	$654,384	$178,362
Accounts Receivable	$0	$0	$0
Pledges & Grants Receivable	$24,037	$15,785	($8,252)
Receivable, Other	$0	$0	$0
Inventories for Sale or Use	$0	$0	$0
Investment, Securities	$0	$0	$0
Investment, Other	$0	$0	$0
Fixed Assets (LBE - Depreciation)	$0	$0	$0
Other	$13,750	$131	($13,619)
Total Assets	$513,809	$670,300	$156,491

Liabilities	Jan 01, 2020	Dec 31, 2020	Change
Accounts Payable	$22,704	$4,265	($18,439)
Grants Payable	$0	$0	$0
Deferred Revenue	$0	$0	$0
Loans and Notes	$0	$0	$0
Tax-Exempt Bond Liabilities	$0	$0	$0
Other	$0	$78,856	$78,856
Total Liabilities	$22,704	$83,121	$60,417

Fund balance	Jan 01, 2020	Dec 31, 2020	Change
Temporarily Restricted Net Assets	N/A	N/A	N/A
Permanently Restricted Net Assets	N/A	N/A	N/A
Total Restricted Net Assets	$0	$0	$0
Unrestricted Net Assets	$0	$0	$0
Net Assets	$491,105	$587,179	$96,074

AFE FOUNDATION

Financial trends analysis Glossary & formula definitions

Fiscal Year: Jan 01 - Dec 31

SOURCE: IRS Form 990

This snapshot of AFE FOUNDATION’s financial trends applies Nonprofit Finance Fund® analysis to data hosted by GuideStar. While it highlights the data that matter most, remember that context is key – numbers only tell part of any story.

Created in partnership with

Fiscal year: Jan 01 - Dec 31 View full report Download data

Business model indicators

Profitability	2017	2018	2019	2020
Unrestricted surplus (deficit) before depreciation	$75,680	$104,120	$77,672	$96,074
As % of expenses	88.8%	96.5%	57.6%	93.3%
Unrestricted surplus (deficit) after depreciation	$75,680	$104,120	$77,672	$96,074
As % of expenses	88.8%	96.5%	57.6%	93.3%

Revenue composition
Total revenue (unrestricted & restricted)	$160,915	$212,005	$212,425	$199,039
Total revenue, % change over prior year	0.0%	31.7%	0.2%	-6.3%
Program services revenue	0.0%	0.0%	0.0%	0.0%
Membership dues	0.0%	0.0%	0.0%	0.0%
Investment income	0.2%	0.9%	3.2%	1.4%
Government grants	0.0%	0.0%	0.0%	0.0%
All other grants and contributions	99.8%	99.1%	96.8%	97.0%
Other revenue	0.0%	0.0%	0.0%	1.5%

Expense composition
Total expenses before depreciation	$85,235	$107,885	$134,753	$102,965
Total expenses, % change over prior year	0.0%	26.6%	24.9%	-23.6%
Personnel	50.7%	53.1%	49.0%	58.1%
Professional fees	1.7%	1.4%	4.4%	1.7%
Occupancy	3.0%	5.0%	3.8%	4.9%
Interest	0.0%	0.0%	0.0%	0.0%
Pass-through	0.0%	0.0%	0.0%	0.0%
All other expenses	44.6%	40.5%	42.7%	35.3%

Full cost components (estimated)	2017	2018	2019	2020
Total expenses (after depreciation)	$85,235	$107,885	$134,753	$102,965
One month of savings	$7,103	$8,990	$11,229	$8,580
Debt principal payment	$0	$0	$0	$0
Fixed asset additions	$0	$0	$0	$0
Total full costs (estimated)	$92,338	$116,875	$145,982	$111,545

Capital structure indicators

Liquidity	2017	2018	2019	2020
Months of cash	43.9	46.6	42.4	76.3
Months of cash and investments	43.9	46.6	42.4	76.3
Months of estimated liquid unrestricted net assets	43.5	46.0	43.7	68.4

Balance sheet composition	2017	2018	2019	2020
Cash	$311,500	$418,676	$476,022	$654,384
Investments	$0	$0	$0	$0
Receivables	$0	$0	$24,037	$15,785
Gross land, buildings, equipment (LBE)	$0	$0	$0	$0
Accumulated depreciation (as a % of LBE)	0.0%	0.0%	0.0%	0.0%
Liabilities (as a % of assets)	0.7%	1.3%	4.4%	12.4%
Unrestricted net assets	$0	$0	$0	$0
Temporarily restricted net assets	$0	$0	N/A	N/A
Permanently restricted net assets	$0	$0	N/A	N/A
Total restricted net assets	$0	$0	$0	$0
Total net assets	$309,313	$413,433	$491,105	$587,179

Key data checks

Key data checks	2017	2018	2019	2020
Material data errors	No	No	No	No

Operations

The people, governance practices, and partners that make the organization tick.

Documents

Letter of Determination

Form 1023/1024

Executive Director

Mrs. Miranda Klassen

LinkedIn profile

Miranda Klassen is the Executive Director of the Amniotic Fluid Embolism Foundation, a non-profit advocacy and research organization she founded in 2008 after surviving a near-fatal AFE during the birth of her son. Miranda also serves as a lead investigator for the Amniotic Fluid Embolism Registry, which she co-founded alongside expert clinicians at Baylor College of Medicine. She serves as the patient advocate for the California Maternal Quality Care Collaborative (CMQCC), Council of Patient Safety in Women’s Health Care, Institute for Perinatal Quality Improvement, and the Maternal Cardiac Arrest Workgroup.

Number of employees

Source: IRS Form 990

AFE FOUNDATION

Officers, directors, trustees, and key employees

SOURCE: IRS Form 990

Compensation

Other

Show data for fiscal year

Compensation data

Download up to 5 most recent years of officer and director compensation data for this organization

There are no highest paid employees recorded for this organization.

AFE FOUNDATION

Board of directors
as of 01/13/2023

SOURCE: Self-reported by organization

Board of directors data

Download the most recent year of board of directors data for this organization

Board co-chair

Amy De Simone

AFE Foundation

Term: 2022 - 2024

Board co-chair

Mrs. Michelle Moon

Visit San Antonio

Term: 2022 - 2024

David Di Pietro

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Crystal Matthews

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Naomi Ventour

Google

Irene A Stafford

University of Texas Health Sciences Center

Stephanie Arnold

Endemol

Diana Masulli

LCSW

Board leadership practices

SOURCE: Self-reported by organization

GuideStar worked with BoardSource, the national leader in nonprofit board leadership and governance, to create this section.

Board orientation and education
Does the board conduct a formal orientation for new board members and require all board members to sign a written agreement regarding their roles, responsibilities, and expectations? Yes
CEO oversight
Has the board conducted a formal, written assessment of the chief executive within the past year ? No
Ethics and transparency
Have the board and senior staff reviewed the conflict-of-interest policy and completed and signed disclosure statements in the past year? Yes
Board composition
Does the board ensure an inclusive board member recruitment process that results in diversity of thought and leadership? Yes
Board performance
Has the board conducted a formal, written self-assessment of its performance within the past three years? Yes

Organizational demographics

SOURCE: Self-reported; last updated 7/20/2022

Candid has made improvements to the race and ethnicity options.

Who works and leads organizations that serve our diverse communities? Candid partnered with CHANGE Philanthropy on this demographic section.

Leadership

The organization's leader identifies as:

Race & ethnicity

White/Caucasian/European

Gender identity

Female, Not transgender (cisgender)

Sexual orientation

Heterosexual or straight

Disability status

Person without a disability

AFE FOUNDATION

#endAFE

Mission

Is this your nonprofit?

Programs and results

What we aim to solve

This profile needs more info.

Our programs

Amniotic Fluid Embolism Registry at Baylor College of Medicine

Where we work

Awards

Affiliations & memberships

Our Sustainable Development Goals

Goals & Strategy

Charting impact

What is the organization aiming to accomplish?

What are the organization's key strategies for making this happen?

What are the organization's capabilities for doing this?

What have they accomplished so far and what's next?

How we listen

Financials

Revenue vs. expenses: breakdown

Liquidity in 2020 info

7.87

Months of cash in 2020 info

76.3

Fringe rate in 2020 info

8%

Funding sources info

Assets & liabilities info

Financial data

Digitizing IRS form 990 data

AFE FOUNDATION

AFE FOUNDATION

AFE FOUNDATION

Business model indicators

Capital structure indicators

Key data checks

Operations

Documents

Executive Director

Mrs. Miranda Klassen

Number of employees

AFE FOUNDATION

Compensation data

AFE FOUNDATION

Board of directors data

Amy De Simone

Mrs. Michelle Moon

Board leadership practices

Board orientation and education

CEO oversight

Ethics and transparency

Board composition

Board performance

Organizational demographics

Leadership

Race & ethnicity

Gender identity

Sexual orientation

Disability

Liquidity in 2020

Months of cash in 2020

Fringe rate in 2020

Funding sources

Assets & liabilities