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      <PriorPeriodAdjustments>-81000</PriorPeriodAdjustments>
      <TotalAdjustments>-81000</TotalAdjustments>
      <ExcessOrDeficitPerFS>-487478</ExcessOrDeficitPerFS>
      <TotRevenueEtcAuditedFinclStmt>4554005</TotRevenueEtcAuditedFinclStmt>
      <RevenueNotRptdF990>0</RevenueNotRptdF990>
      <RevenueSubtotal>4554005</RevenueSubtotal>
      <RevenueNotRptdOnFinStmt>0</RevenueNotRptdOnFinStmt>
      <TotalRevenuePerForm990>4554005</TotalRevenuePerForm990>
      <TotExpensesEtcAuditedFinclStmt>4960483</TotExpensesEtcAuditedFinclStmt>
      <ExpensesNotRptdF990>0</ExpensesNotRptdF990>
      <ExpensesSubtotal>4960483</ExpensesSubtotal>
      <ExpensesNotRptdOnFinStmt>0</ExpensesNotRptdOnFinStmt>
      <TotalExpensesPerForm990>4960483</TotalExpensesPerForm990>
    </IRS990ScheduleD>
    <IRS990ScheduleJ documentId="RetDoc1042400001">
      <SeverancePayment>0</SeverancePayment>
      <SupplementalNonqualRetirePlan>0</SupplementalNonqualRetirePlan>
      <EquityBasedCompArrangement>0</EquityBasedCompArrangement>
      <CompBasedOnRevenueOfFilingOrg>0</CompBasedOnRevenueOfFilingOrg>
      <CompBasedOnRevenueRelatedOrgs>0</CompBasedOnRevenueRelatedOrgs>
      <CompBasedNetEarningsFilingOrg>0</CompBasedNetEarningsFilingOrg>
      <CompBasedNetEarningsRelateOrgs>0</CompBasedNetEarningsRelateOrgs>
      <AnyNonFixedPayments>0</AnyNonFixedPayments>
      <InitialContractException>0</InitialContractException>
      <Form990ScheduleJPartII>
        <NamePerson>GARTH POTTS</NamePerson>
        <BaseCompensationFilingOrg>130984</BaseCompensationFilingOrg>
        <CompBasedOnRelatedOrgs>0</CompBasedOnRelatedOrgs>
        <BonusFilingOrg>0</BonusFilingOrg>
        <BonusRelatedOrgs>0</BonusRelatedOrgs>
        <OtherCompensationFilingOrg>0</OtherCompensationFilingOrg>
        <OtherCompensationRelatedOrgs>0</OtherCompensationRelatedOrgs>
        <DeferredCompFilingOrg>0</DeferredCompFilingOrg>
        <DeferredCompRelatedOrgs>0</DeferredCompRelatedOrgs>
        <NontaxableBenefitsFilingOrg>23045</NontaxableBenefitsFilingOrg>
        <NontaxableBenefitsRelatedOrgs>0</NontaxableBenefitsRelatedOrgs>
        <TotalCompensationFilingOrg>154029</TotalCompensationFilingOrg>
        <TotalCompensationRelatedOrgs>0</TotalCompensationRelatedOrgs>
        <CompReportPrior990FilingOrg>0</CompReportPrior990FilingOrg>
        <CompReportPrior990RelatedOrgs>0</CompReportPrior990RelatedOrgs>
      </Form990ScheduleJPartII>
    </IRS990ScheduleJ>
    <IRS990ScheduleL documentId="RetDoc1042800001">
      <LoanTable>
        <NamePerson>EXECUTIVE DIRECTOR</NamePerson>
        <LoanFromOrganization>X</LoanFromOrganization>
        <OriginalPrincipalAmount>3484</OriginalPrincipalAmount>
        <BalanceDue>3484</BalanceDue>
        <Default>0</Default>
        <ApprovedByBoard>1</ApprovedByBoard>
        <WrittenAgreement>0</WrittenAgreement>
      </LoanTable>
      <TotalBalanceDue>3484</TotalBalanceDue>
    </IRS990ScheduleL>
    <IRS990ScheduleO documentId="RetDoc1044400001">
      <GeneralExplanation>
        <Identifier>FORM 990, PART VI, SECTION A, LINE 2</Identifier>
        <Explanation>MARCIA UNGER AND RICHARD PIZITZ, JR. - MOTHER-IN-LAW / SON-IN-LAW JULIAN BROOK AND LARRY BROOK - FATHER / SON ALISA NADLER AND JARED NADLER - BROTHER-IN-LAW / SISTER-IN-LAW DAVID LANDY AND RANDI LANDY - HUSBAND / WIFE ANDY SAAG AND LEAH SAAG - COUSINS BY MARRIAGE ALLISON WEIL / ANDY SAAG / LEAH SAAG - RELATED BY MARRIAGE LAYNE HELD - SON OF A FORMER ORGANIZATION PRESIDENT / WORKS AT A BANK USED BY THE ORGANIZATION DONNA SCHIFF - DAUGHTER OF A FORMER ORGANIZATION PRESIDENT ABE SCHUSTER AND ESTHER SCHUSTER - BROTHER/SISTER BRAD SIEGAL, FRANK SIEGAL AND STEPHEN DORSKY - COUSINS</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>FORM 990, PART VI, SECTION A, LINE 6</Identifier>
        <Explanation>THE ORGANIZATION IS A MEMBERSHIP BASED ASSOCIATION.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>FORM 990, PART VI, SECTION B, LINE 11</Identifier>
        <Explanation>THE FORM 990 WAS REVIEWED BY THE BOARD OF DIRECTORS FOR COMPLETENESS AND ACCURACY PRIOR TO FILING THE RETURN.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <ReturnReference>FORM 990, PART VI, SECTION B, LINE 12C</ReturnReference>
        <Explanation>THE CONFLICT OF INTEREST POLICY IS INCLUDED EACH YEAR IN EVERY BOARD MEMBERS' BOARD MANUAL AND IT IS REFERRED TO PERIODICALLY. FURTHER, IT IS SPECIFICALLY REVIEWED WITH ALL NEW BOARD MEMBERS EACH YEAR INDIVIDUALLY IN THE JANUARY NEW BOARD MEMBER ORIENTATION.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <ReturnReference>FORM 990, PART VI, SECTION B, LINE 15</ReturnReference>
        <Explanation>THE EXECUTIVE COMMITTEE, IN CONSULTATION WITH THE PERSONNEL COMMITTEE, ANNUALLY REVIEWS THE PERFORMANCE AND SALARY RECOMMENDATIONS OF, AND FOR, THE EXECUTIVE DIRECTOR AND OTHER KEY EMPLOYEES. THEY MAKE DECISIONS ABOUT COMPENSATION FOR THIS GROUP. BOARD MEMBERS AND ANY OTHER LAY LEADERS ARE ALL UNPAID VOLUNTEERS.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <ReturnReference>FORM 990, PART VI, SECTION C, LINE 19</ReturnReference>
        <Explanation>ALL PERTINENT DOCUMENTS ARE AVAILABLE FOR PUBLIC INSPECTION AT THE ORGANIZATION'S OFFICE.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>CHANGES IN NET ASSETS OR FUND BALANCES:</Identifier>
        <ReturnReference>FORM 990, PART XI, LINE 5:</ReturnReference>
        <Explanation>PRIOR PERIOD ADJUSTMENTS: -81,000.</Explanation>
      </GeneralExplanation>
    </IRS990ScheduleO>
  </ReturnData>
</Return>