2011-05-12T14:40:31-05:00 2010-06-30 GRANT THORNTON LLP 175 W JACKSON BLVD STE 2000 CHICAGO IL 60604 990 2009-07-01 362169139 The Chicago Lighthouse for People Who Are Blind or Visually Impaired CHIC 3129973664 1850 W Roosevelt Road Chicago IL 60608 Janet Szlyk PhD 2011-04-15 3128560200 X 2009 2016-02-24 21:20:13Z Janet Szlyk 1850 W Roosevelt Road Chicago IL 60608 28695821 false X www.thechicagolighthouse.org X 1906 IL The Chicago Lighthouse, a not for profit agency, strives to provide quality educational, clinical, rehabilitation and vocational services to people who are blind or visually impaired. 37 35 320 253 3000 -14658 7192717 8075954 4882801 4241116 -923051 -98420 169372 522637 11321839 12741287 76602 60219 0 0 8809861 8206756 0 0 903653 6450875 6209928 15337338 14476903 -4015499 -1735616 31733098 32358240 1524415 2827690 30208683 29530550 The Chicago Lighthouse, a not-for-profit agency, strives to provide the highest quality educational, clinical, vocational and rehabilitation services for children, youth and adults who are blind or visually impaired, including deaf-blind and multi-disabled. Established in 1906, the Chicago Lighthouse for People Who Are Blind or Visually Impaired serves as a leader, innovator, and advocate. The Chicago Lighthouse, a nonprofit organization, opens doors to opportunities, choices, jobs, and independence for people of all ages who are blind, visually impaired, deaf-blind, and multi-disabled. true false 2170147 797 The Instructional Materials Center for the State of Illinois is administered by The Chicago Lighthouse, funded through the Illinois State Board of Education, as well as an in-kind grant from the American Printing House for the Blind. This project supplies large print and Braille text books, as well as adaptive equipment, to school age students within the State of Illinois, who are blind or visually impaired. These items are ordered by the student's school district and are provided free of charge. Adaptive equipment, such as CCTV's, Braille printers, talking and large screen software are loaned upon request, as well. This enhances children with visual disabilities in their educational pursuits, from their first school years through high school graduation. 4,047 students received books, equipment or supplies during FY10. 1835679 904326 The Sandy and Rick Forsythe Center for Comprehensive Vision Care includes low vision rehabilitation, clinical, and research services. This Center provides comprehensive diagnostic, rehabilitative, psychological, social work, and optometric services to patients of all ages at the Lighthouse and at a number of satellite locations within the Chicago-land area. Doctors and therapists are specifically trained in the field of Low Vision. Funded in part through private fees, Medicare and other insurance reimbursements, services are also available regardless of one's ability to pay, due to the generosity of a number of grants to support this effort. In conjunction with the exam process, various adaptive devices and/or glasses may be tested for compatibility and usefulness to the patient and purchase of such items might be encouraged as part of the patient's rehabilitative program. Services include appropriate training on use of such devices. A Tools for Living Store has been designed to ensure ease of mobility and browsing for customers who are blind or visually impaired and includes independent living aids, speech/large print electronics, and other like products. It is a natural extension of the Low Vision Service and provides convenience shopping for patients and family members. The Low Vision area also engages in cutting edge research activities to develop new methods of vision rehabilitation. During FY10, patients, participants, and consumers numbered 4,310. Expenses were $1,835,679 and revenues were $904,326. 1606562 926198 The Chicago Lighthouse Industries Program provides rehabilitation, training and employment for people who are blind or visually impaired. Workers are employed at various sub-contract jobs, dry erase boards and planners, packaging projects, and on a clock line which manufactures clocks for the federal government and other commercial markets. The Lighthouse also supplies the Veterans Administration with low vision devices and other adaptive technology items. The VA, in turn, provides these devices to veterans who are blind or visually impaired. This VA contract allows us to employ an additional number of workers, as they take, fill and ship orders. The recipients of the goods are also counted as people served. Also included in this area of programming is a contract with the State of Illinois to provide Recipient Identification Numbers for various social service agencies within the state. This contract provides employment for people with visual impairments, as well as an avenue for internships in the customer service field. During FY10, 40 people were provided employment in these aspects of Lighthouse Industries and an estimated 3,359 received VA goods. Expenses were $1,606,562 and revenues were $926,198. 5294449 2936408 10906837 true true false true false false false false true true true false false false false false false false true false false false true true false false false false false false false false true false false false false false false false false true 66 0 320 true true true false false false false true true false false false true true false false false 37 35 false false false false false false false true true false false true true true true true true true true false IL X MARY LYNNE JANUSZEWSKI 3129973664 1850 W ROOSEVELT ROAD Chicago IL 60608 Richard Boykin 1.0 X 0 0 0 David Brint 1.0 X 0 0 0 Thomas Burrell 1.0 X 0 0 0 Franklin Chanen 1.0 X 0 0 0 John Coleman 1.0 X 0 0 0 Thomas Deutsch 1.0 X 0 0 0 Sandra Forsythe 1.0 X 0 0 0 Bruce Foudree 1.0 X 0 0 0 Dennis Giertz 1.0 X 0 0 0 David Huber 1.0 X 0 0 0 Ronald Kaplan 1.0 X 0 0 0 Gloria Kearney 1.0 X 0 0 0 Douglas Kentfield 1.0 X 0 0 0 Rich King 1.0 X 0 0 0 Manus Kraff 1.0 X 0 0 0 Theodore Mazola 1.0 X 0 0 0 Mike Meehan 1.0 X 0 0 0 Laura Nadler 1.0 X 0 0 0 Michael Panitch 1.0 X 0 0 0 Robert Rourke 1.0 X 0 0 0 Arturo Saenz 1.0 X 0 0 0 Paul Scher 1.0 X 0 0 0 Robert Proctor 1.0 X X 0 0 0 Diana Sorfleet 1.0 X 0 0 0 Julie Starke 1.0 X 0 0 0 Bryan Traubert 1.0 X 0 0 0 Jerome White 1.0 X 0 0 0 William Conaghan 2.0 X X 0 0 0 Bruce Hague 1.0 X X 0 0 0 R Razz Jenkins 1.0 X X 0 0 0 Joel Kaplan 1.0 X X 0 0 0 James Kesteloot 5.0 X X 279481 0 9884 Tom Livingston 1.0 X 0 0 0 Judy McCaskey 1.0 X 0 0 0 Paul Rink 1.0 X X 0 0 0 Donald Vilim 1.0 X X 0 0 0 Janet Szlyk 40.0 X X 199296 0 3247 Mike Ditka 1.0 X 0 0 0 Marvin Lader 1.0 X 0 0 0 Warren Chapman 1.0 X 0 0 0 Pamela Brooks-Tully 1.0 X 0 0 0 Wie Xie 1.0 X 0 0 0 Terrence Longo 40.0 X 124130 0 7457 Mary Lynne Januszewski 40.0 X 99401 0 32803 Debra Schlies 40.0 X 102022 0 5682 Mary Zabelski 40.0 X 105645 0 22822 909975 0 81895 5 false true false Super G Inc 1850 W Roosevelt Road CHICAGO IL 60608 Cafeteria Services 213270 Select Medical Rehabilitation Servi PO Box 643920 PITTSBURGH PA 15205 Therapists & Ass'ts 199514 William Blair Company 222 W Adams Street CHICAGO IL 60606 Investment Advisors 118468 Locke Lord Bissell and Liddell LLP 111 S Wacker Drive CHICAGO IL 60606 Legal Services 101161 4 97498 333378 2371366 5273712 985770 8075954 DEVELOPMENT CTR TUITION 611600 1489403 1489403 LOW VISION FEES & SALES 621990 904301 904301 FEES FROM GOV'T AGENCIES 624310 861008 861008 GOVT'T SERV CONTR & MIDWAY 624410 723879 723879 LIGHTHOUSE INDUSTRIES 624310 118218 118218 144307 144307 4241116 351187 351187 0 1568 1568 11202776 11652383 -449607 -449607 -449607 125245 333378 157544 -32299 -32299 2946 2384 562 562 4668836 4142223 526613 526613 MISCELLANEOUS 900099 23193 23193 ADVERTISING 541800 3000 3000 26193 12741287 4767729 3000 -105396 0 60219 60219 0 0 497191 69432 358327 69432 0 6252868 4924515 825609 502744 170718 134451 22541 13726 743516 585565 98171 59780 542463 338460 160844 43159 0 57471 57471 72115 72115 63512 63512 0 114268 114268 1039254 797095 157767 84392 275449 265384 4010 6055 1012466 793023 192136 27307 94586 36662 47094 10830 0 195540 146566 46513 2461 128970 73944 39713 15313 0 10119 3696 4898 1525 5083 5083 0 671775 437973 221970 11832 94940 30765 63667 508 AMERICAN PRINTING HOUSE 886059 867027 19032 IMC INSTRUCTIONAL MATERIALS 851002 851002 COMMISSIONS & REBATES 284204 284204 OTHER 218986 72835 91562 54589 CLIENT TRANS & MAINTENANCE 134129 134019 110 14476903 10906837 2666413 903653 111260 327252 3258806 2749152 840017 1042298 881519 922480 119975 104174 22045504 11700496 6882769 10345008 17151013 13677107 2434233 2690073 53506 500696 31733098 32358240 1524415 1820499 7191 1000000 1524415 2827690 X 25395845 24717354 3375098 2886645 1437740 1926551 30208683 29530550 31733098 32358240 X false true true X true true X 6802135 7278933 9379402 7256583 8075954 38793007 7067479 6853298 7956839 8332584 8909952 39120152 128191 128191 13869614 14132231 17336241 15589167 17114097 78041350 4006668 4293118 4354548 4383419 4682339 21720092 4006668 4293118 4354548 4383419 4682339 21720092 56321258 651176 722166 638863 414331 352755 2779291 651176 722166 638863 414331 352755 2779291 25813 18086 23193 67092 14520790 14854397 18000917 16021584 17490045 80887733 0.69629 0.69841 0.03436 0.03982 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED true true false true false false true true true 63512 63512 false false Schedule C, Part II-B, Line 1i Other Activities Description The Chicago Lighthouse contracted with a registered and certified lobbyist to assist in making known to the Illinois legislature, Governor, and U.S. representatives and senators, ongoing needs of The Lighthouse, as well as the effect of certain bills and projects being pursued within these legislatures on The Lighthouse and the people it serves. The Lobbyist also counsels the Chicago Lighthouse on various ways of approaching government bodies, all levels, when the need arises. 2563090 109162 24561 2647691 2892722 -301186 28446 2563090 0.01328 0.54275 0.44396 false false 131872 131872 15518933 6277411 9241522 36821 1227 35594 5423141 4657157 765984 934737 764701 170036 10345008 AURORA FUND ALTERNATIVE 2690073 F 2690073 12741287 14476903 -1735616 1054584 2899 1057483 -678133 18007522 1054584 66529 4145122 5266235 12741287 12741287 18685655 66529 4142223 4208752 14476903 14476903 Schedule D, Part V, Line 1a, Column (b) Beginning of year balance The amount shown for the prior year beginning of year balance was increased to $2,892,722 due to a revision on the financial statements. Schedule D, Part V, Line 4 Intended Uses of Endowment Fund The Board Designated Endowment is maintained to generate investment income for funding of expenditures relating to activities of a Residency program in the low Vision Clinic Rehabilitation Service. Earnings from various Permanent endowments provide funding for expenditures relating to services provided through the Low Vision Clinic to elderly, low-income patients, to services provided in the Office Skills Training Program, Deaf-Blind program and general agency activities. Earnings from the Term Endowment provide funding for the Scholarship program and capital expansion. Schedule D, Part X, Line 2 FIN 48 Footnote In July 2006, the FASB issued FASB Interpretation No. 48 ("FIN 48")(now referred to as ASC 740-10-25-6, ("ASC 740")), "Accounting for Uncertainty in Income Taxes - An Interpretation of FASB Statement 109," which clarifies the accounting for uncertainty in income taxes recognized in an enterprise's financial statements in accordance with the broader concepts previously outlined in ASC 740. The Lighthouse adopted ASC 740 as of July 1, 2009. ASC 740 clarifies the accounting for uncertainty in tax positions taken or expected to be taken in a tax return, including issues relating to financial statement recognition and measurement and provides that the tax effects from an uncertain tax position can be recognized in the financial statements only if the position is more likely than not to be sustained if the position were to be challenged by a taxing authority. The assessment of the tax position is based solely on the technical merits of the position, without regard to the likelihood that the tax position may be challenged. The Lighthouse is exempt from income tax under IRC Section 501(c)(3), though it is subject to tax on income unrelated to its exempt purposes, unless that income is otherwise excluded by the IRC. The tax years 2007, 2008 and 2009 are still open to audit for both federal and state purposes. The adoption of ASC 740 did not have any impact on The Lighthouse's financial statements. Schedule D, Part XI, Line 8 Other Revenue/Expenses Reconciling Items Change in value in split interest agreements....$2,899 Total...........................................$2,899 Schedule D, Part XII, Line 2d Other Revenue Reconciling Items Cost of Goods Sold..........................$4,142,223 Change in value in split interest agreements....$2,899 Total.......................................$4,145,122 Schedule D, Part XIII, Line 2d Other Expenses Reconciling Items Cost of Goods Sold..........................$4,142,223 Total.......................................$4,142,223 Annual Dinner 335319 239309 96010 19270 82782 2039 11395 Assoc Bd House 55293 54325 968 968 8633 3 68011 39744 28267 8308 14685 9464 458623 333378 125245 27578 98435 2039 29492 157544 -32299 true Scholarships 30 60219 Schedule I, Part I, Line 2 Procedures for Monitoring the Use of Grant Funds in the United States The policy of The Chicago Lighthouse is to issue grant funds directly to the educational institution where the awardees attend school. A bill indicating the amount of tuition, book fees, room and board due is submitted to the Manager of the program and, if appropriate, is submitted to the Executive Director for approval. Accordingly, a check is cut. If the scholarship funds are to be used for something other than the previously stated items, proper receipts and other appropriate documentation is required before funds are released to the awardee. The Program manager maintains on-going contact with the recipients and follows their progress throughout their school years. Schedule I, Part IV Additional Supplemental Information The Chicago Lighthouse annually awards scholarships to assist people who are blind or visually impaired in furthering their education, believing that educational opportunities, over time, will convert to greater opportunities for employment. An applicant, to be eligible, must be blind or visually impaired. Beyond that, scholarships are available to this group for undergraduate, graduate, vocational or other certificate or training programs. Once enrolled, the scholarship can cover tuition, room, board, books, transportation and/or other expenses deemed appropriate by the scholarship committee. Each year, scholarship applications are solicited through mail, emails, Lighthouse publications, publications of other organizations, website and word of mouth. The Scholarship committee meets a number of times to review and rate all applications received, according to specific criteria. The dollar amount of donations received into the Scholarship program for the year determines the amount and number of scholarships available. Scholarships are awarded based on outcome of review process. X true true X X X X false false false false false false false false false false James Kesteloot 36933 0 0 0 242548 0 1302 0 8582 0 289365 0 232000 0 Janet Szlyk 185000 0 0 0 14296 0 3083 0 164 0 202543 0 0 0 Schedule J, Part 1, Line 1A Relevant Information Regarding Compensation Benefits The items above, except for Tax indemnification and gross-up payments, are not expenses normally reimbursed by the Lighthouse. The only time the Lighthouse might reimburse for these other expenditures would be if the Board specifically authorized such for a specific individual. This would be executed only with a written authorization. Regarding tax indemnification and gross-up payments, these payments are generally small amounts, deemed to be immaterial, for the personal use of cell phones. Cell phones are supplied to individuals based on specific needs and are authorized by executive management. X 6 27235 Trade Date FMV X 1 600 FMV X American Pr Hse 0 894873 Actual Cost X Auction/Raffle 89 36232 FMV X Othr Prog Matrl 1 22760 Actual Cost X Prog Supplies 5 3970 FMV false true true Form 990, Schedule M, Part 1, Line 32a Organization's use of third party to sell noncash contributions All donated stock received by the Chicago Lighthouse goes into the Investment Fund custodian account at Northern Trust. William Blair manages this account and has a standing instruction from The Chicago Lighthouse to sell stocks in the account as quickly as administratively possible. Form 990, Part III, Line 2 New Services During FY10, The Chicago Lighthouse had an opportunity to expand its ability to provide training and employment to people who are blind or visually impaired by establishing a retail convenience store. Individuals are trained in cashiering, inventory and customer service. This site is directed, managed and staffed by individuals who are visually impaired. Internships are provided, as well, to those who might be interested in such a field of employment. All proceeds are used to absorb costs of the program. Form 990, Part III, Line 4d Other Program Service Description The Children's Development Center of the Chicago Lighthouse provides services to children between the ages of 3 and 21, who are blind, visually impaired and/or multi-disabled. Services include educational activities as well as daily living skills and recreational activities. Physical, occupational, speech and music therapy are additional services provided. 26 children were served in the Children's Development Center during FY10, with expenses of $1,480,943 and revenues of $1,489,403. Independent Living Services at the Chicago Lighthouse include programs which are designed to maximize independent living functions in the home, workplace and community at large. The Adult Living Skills Program administers lessons in daily living, academics and pre vocational training to its participants. As part of their daily activities, program participants join together to perform as the Chicago Lighthouse Vision Quest Music group. They also take part in Recreation and social activities. Mobility Training Program allows for independence when traveling. Chicago-land Radio Information Service (CRIS) provides daily readings of newspapers and periodicals, through use of volunteer readers who read verbatim from local periodicals and broadcast via special receivers placed in homes and other community locations as requested. CRIS also produces special interest programming dedicated to the needs and interests of people who are blind or visually impaired and also provides training and employment for people visually impaired or blind who might be interested in the field of broadcast communications. The BEACON radio show airs weekly and provides topics of interest to the blind community. The Arthur and Esther Kane Legal Clinic provides pro-bono legal services to people who are blind or visually impaired with low income in metropolitan Chicago and throughout the United States. Legal counsel and services provided can help navigate and overcome social stereotypes, workplace discrimination and heavy government assistance programs. CRIS estimates that during FY10 listeners numbered 42,637. All other programs in this section served 284 people during FY10. Together, expenses for this group of services were $869,734 and revenues were $424,107. Vocational Training Programs provide rehabilitation and training opportunities for people who are blind, visually impaired and multi-disabled, many of whom have never worked or who have experienced long-term unemployment. For those who are uncertain of a vocational goal, vocational evaluation services are also available. Industrial, janitorial, office skills, customer service and collections training and vocational evaluation opportunities exist due to partial funding provided through the State of Illinois. Upon completion of these programs, the individual moves to Employment Services, with skills necessary to be job-ready. During FY10 the Vocational Training programs provided services to 164 people. Expenses were $488,542 and revenues were $207,900. The Chicago Lighthouse Birth to Three Family Intervention Program provides home-based and center-based services to families with children, from birth to three years of age, who have been identified or diagnosed with visual impairments. The Lighthouse staff and family members work together during a child's early stages of life to encourage and guide through the natural stages of physical, social, cognitive and emotional development. Services include developmental therapy, vision assessments, evaluations, optometric examinations through Low Vision Clinic, occupational therapy, transportation, social work, and psychological services. During FY10 the Birth to Three program served 172 children and their families. Expenses were $463,019 and revenues were $118,351. Employment Services provides assistance to people who are visually impaired or blind as they prepare for and secure employment. This full-service program provides resume and cover letter writing, interviewing techniques, and job leads. The placement counselors work closely with employers, educating them about the awareness of visual impairments and performing task analysis in order to assist the coordination of job modification efforts. Assistance is provided to help maximize vision through optical devices, maximizing productivity through job assessment and accommodations, and providing specialized equipment and training when needed. Supported Employment and job coaching assistance are also provided when needed. The Communications center provides training for individuals in the area of customer service and appointment taking. Internships are available for those who are interested in this type of work. During FY10 456 people received training and other services from these activities and 207 placements were made. 5,856 customers were served via incoming calls to the Lighthouse, answered by the call center interns. Expenses were $423,037 and revenues were $189,377. Government Service Contracts provide jobs for qualified people who are blind or visually impaired, with The Lighthouse maintaining responsibility for recruiting, training and hiring for these positions and managing such contracts. Those employed are paid by The Lighthouse. During FY10, 21 people maintained employment via these contracts. Expenses for this group were $381,991 and revenues were $442,510. The Adaptive Technology and National Help Desk departments utilize assistive computer hardware and software to help individuals meet the challenges of a visual impairment. Services include evaluating the technological needs of a person who is visually impaired or blind as it relates to their work or home environment, determining capability of the assistive technology with existing equipment, set-up, training and follow-up. Interaction and consultation with employers and company IT staff also takes place, when related to a job setting. The National Help Desk is an assistive technology support line that helps people who are visually impaired or blind successfully resolve computer problems. During FY10, 803 people were served. Expenses were $352,225 and revenues were $59,095. Work Activities Center provides vocational work activities, peer involvement, contact with the community, recreational and leisure-time activities and an opportunity for participants to develop their personalities through adequate social functioning, independent living skills, rehabilitation and training. During FY10 36 participants took part in activities provided by this program. Expenses were $218,480 and revenues were $0. Retail operations provide cashier, inventory and customer service training and employment for people who are blind or visually impaired. The Lighthouse Convenience Store is located offsite, and is a program aimed at reducing the unemployment rate of people who are blind or visually impaired. This program hires such individuals and provides them with training and equipment to enable ease, efficiency and productivity. Internship opportunities are available, as well, to sharpen customer service skills in order to increase chances and appeal for employment at other companies and organizations. 3 people have been provided employment in these operations during FY10. Expenses total $203,559, with revenue of $860. Deaf-Blind Program serves people throughout the State of Illinois with varying degrees of visual and hearing losses, providing access to other Lighthouse programs, services within the community and appropriate referrals to agencies. It also assists with training on communication devices, promoting independence and self-sufficiency for people with these dual disabilities. During FY10, 115 people were served in these activities. Expenses were $179,313 and revenues were $4,805. Seniors Program helps individuals, who are visually impaired, ages 55 and over, find new ways to accomplish daily responsibilities and learn new skills to continue to live an independent and productive life. Computer and Adaptive Technology training classes are central to this program. Monthly luncheons provide opportunities to socialize and network and exchange resources and ideas. During FY10 this program served 227 people. Expenses were $128,786 and revenues were $0. Youth programs provide year-round individual attention to students between the ages of 14 and 24, as they encounter questions and issues relating to career development, schooling, vocational training, and transition into the work force. The Chicago Lighthouse Scholarship program provides scholarships to students pursuing undergraduate, graduate, and post graduate studies, as well as vocational training programs. In FY10 213 people were served in our youth and scholarship programs. Expenses were $104,820, with grants (scholarships) of $60,219 and revenues were $0. Form 990, Part VI, Line 11 Form 990 Review Process Form 990 is distributed among all members of the Board of Directors, either via email or hard copy, depending on the preferred method of communication. Finance Committee, who has responsibility for reviewing all financial transactions of the Agency will review the mission statement, the program activities, report of compensation and the presentation of financial information for the year, all in light of the tax exempt status of the organization. Upon completion of their review the 990 is filed. Form 990, Part VI, Line 12c Monitoring and Enforcement of Conflicts Annually, Directors and Officers sign a Conflict of Interest form and disclose areas of potential conflict. These forms are reviewed by the Board Chair and the Executive Director, with assistance from the Board Liaison. If further action needs to be taken, the issue is brought before the Executive Committee and if necessary, the full board. There is a requirement to review potential conflicts as situations may arise during the year. As the Lighthouse embarks upon various business transactions, if there appears to be a potential conflict with a specific potential transaction, the Lighthouse goes through the same process as is done with the board members' annual declarations - review, followed by discussion with the Executive Committee and if necessary, the issue is brought to a board meeting. Form 990, Part VI, Line 15b Compensation Review & Approval Process For the Executive Director position, the salary survey was done utilizing data from 990 IRS forms from similar organizations that provide the same services and Chicago-land area organizations. Guidestar.org was utilized in order to obtain the information based on IRS data. The following information was gathered from the organizations --- salary, benefits/deferred compensation, revenue, expenses, net assets, number of employees and clients served. The salary survey was reviewed by the Board Search Committee which consisted of the President, Director of Human Resources and Board members. A recommendation was made to the Board of Directors. The Board of Directors approved the recommendation. For other key positions within the Agency, salaries are approved as part of the annual budget approval process. Every few years, or as need arises, surveys are done so that salary benchmarks can be determined. When major changes are going to be made, this information may be brought to the Administrative Services and/or the Finance Committees of the Board. Form 990, Part VI, Line 19 Other Organization Documents Publicly Available All governing documents, financial statements and policies are available upon request. Audited Financial Statements are filed with the IL-AG Office and are available on-line through multiple sources. Summary financial statements are published within the Annual Report.