{"id":12465,"date":"2021-11-18T16:14:24","date_gmt":"2021-11-18T21:14:24","guid":{"rendered":"https:\/\/www.presbyterianfoundation.org\/?p=12465"},"modified":"2023-11-28T13:51:43","modified_gmt":"2023-11-28T18:51:43","slug":"%ec%9e%ac%eb%8b%a8%ec%9d%80-%eb%af%b8%eb%9e%98-%ec%84%b8%eb%8c%80%eb%a5%bc-%ec%9c%84%ed%95%9c-%ea%b8%b0%ea%b8%88-%ec%9c%a0%ec%a7%80%eb%a5%bc-%ec%9c%84%ed%95%9c-%ec%a1%b0%ec%b9%98%eb%a5%bc-%ec%b7%a8","status":"publish","type":"post","link":"https:\/\/www.presbyterianfoundation.org\/ko\/resources\/news\/foundation-takes-action-to-sustain-funds-for-future-generations\/","title":{"rendered":"\uc7ac\ub2e8\uc740 \ubbf8\ub798 \uc138\ub300\ub97c \uc704\ud55c \uae30\uae08 \uc720\uc9c0\ub97c \uc704\ud55c \uc870\uce58\ub97c \ucde8\ud569\ub2c8\ub2e4."},"content":{"rendered":"<p>2021\ub144 11\uc6d4 \uc774\uc0ac\ud68c \ud68c\uc758\uc5d0\uc11c \uc7a5\ub85c\uad50 \uc7ac\ub2e8 \uc774\uc0ac\ud68c\ub294 \ub2e4\uc74c \uc138\ub300\ub97c \uc704\ud55c \ucda9\ubd84\ud55c \uae30\uae08\uc744 \ud655\ubcf4\ud558\uae30 \uc704\ud574 \ub450 \uac00\uc9c0 \uc870\uce58\ub97c \ucde8\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uba3c\uc800 <a href=\"https:\/\/www.presbyterianfoundation.org\/ko\/%ec%95%bd\/%ec%9d%b4%ec%82%ac%ed%9a%8c\/\">\uc774\uc0ac\ud68c<\/a> \uc7ac\ub2e8\uc758 \uc9c0\ucd9c \uacf5\uc2dd\uc744 4.25%\uc5d0\uc11c 2023\ub144\ubd80\ud130 \ub9e4\ub144 0.05%\uc529 \uc810\uc9c4\uc801\uc73c\ub85c \uac10\uc18c\ud558\uc5ec 4%\ub85c \ubcc0\uacbd\ud558\uc5ec \uc218\ud61c\uc790\uc758 \uad6c\ub9e4\ub825\uc744 \uc720\uc9c0\ud558\uae30 \uc704\ud55c \uc870\uce58\ub97c \ucde8\ud558\uae30\ub85c \uc758\uacb0\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uac19\uc740 \ud68c\uc758\uc5d0\uc11c \uc774\uc0ac\ud68c\ub294 \ub610\ud55c \uc7ac\ub2e8\uc758 \uad00\ub9ac\ube44\ub97c \ub0ae\ucd94\ub294 \ubc29\ubc95\uc744 \uace0\ub824\ud558\uc5ec \uc9c0\ucd9c \uacf5\uc2dd\uc758 \ubcc0\ud654\ub97c \uc644\ud654\ud558\ub294 \ub3d9\uc2dc\uc5d0 \ubbf8\ub798 \uc138\ub300\uc758 \uc0ac\uc5ed\uacfc \uc120\uad50\ub97c \uc704\ud55c \uc790\uae08\uc744 \ud655\ubcf4\ud560 \uc218 \uc788\ub294 \ubc29\uc548\uc744 \uac15\uad6c\ud588\uc2b5\ub2c8\ub2e4. \uc774\uc0ac\ud68c\ub294 \uc9c1\uc6d0\ub4e4\uc5d0\uac8c \ubbf8\uad6d \uc7a5\ub85c\uad50\ud68c\uc758 \ub2e4\ub978 \uae30\uad00\uc5d0\uc11c \ud65c\uc6a9\ud558\ub294 \uac83\uacfc \uac19\uc740 \ube44\uc6a9 \ud68c\uc218 \ubc29\ubc95\ub860\uc5d0 \ub530\ub77c \uc7ac\ub2e8\uc758 \ub2e4\uc74c \uc608\uc0b0\uc744 \uc900\ube44\ud558\ub3c4\ub85d \uc9c0\uc2dc\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc218\ud61c\uc790\ub294 2023\ub144\uae4c\uc9c0 \ubcc0\uacbd \uc0ac\ud56d\uc774 \uc801\uc6a9\ub418\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.<\/p>\n<p><strong>\uc9c0\uae09\uc561\uc774 \uc99d\uac00\ud569\ub2c8\ub2e4.<\/strong><\/p>\n<p>\uc7ac\ub2e8 \uc9c1\uc6d0\uc774 \uc81c\uacf5\ud55c \uacc4\uc0b0\uc5d0 \ub530\ub974\uba74 2023\ub144\uc5d0 \uc9c0\ucd9c \uacf5\uc2dd\ub9cc \ubcc0\uacbd\ud574\ub3c4 \uc218\ud61c\uc790\uc5d0\uac8c \ubd84\ubc30\ub418\ub294 \uae08\uc561\uc774 \uc2e4\uc81c\ub85c \uc99d\uac00\ud558\uc5ec \uc5b4\ub824\uc6b4 \uc2dc\uae30\uc5d0 \uc7a5\ub85c\uad50 \uae30\uad00, \uc0ac\uc5ed, \uad50\ud68c\uac00 \uc120\uad50\ub97c \uc704\ud55c \ub354 \ub9ce\uc740 \uc790\uae08\uc744 \ud655\ubcf4\ud560 \uc218 \uc788\uc744 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. \uc774\ub294 \uc2dc\uc7a5 \uc218\uc775\ub960\uc774 \uac15\uc138\ub97c \ubcf4\uc774\uace0 \uc788\uae30 \ub54c\ubb38\uc5d0 \ud604\uc7ac \uc218\ud61c\uc790\uc5d0\uac8c \ubd80\uc815\uc801\uc778 \uc601\ud5a5\uc744 \uc8fc\uc9c0 \uc54a\uc73c\uba74\uc11c \uae30\uae08\uc758 \uc218\uba85\uc744 \ubcf4\uc874\ud558\uae30 \uc704\ud574 \uc9c0\ucd9c \uacf5\uc2dd\uc744 \uc870\uc815\ud558\uae30\uc5d0 \uc774\uc0c1\uc801\uc778 \uc2dc\uae30\uc785\ub2c8\ub2e4.<\/p>\n<p>\"\uc6b0\ub9ac\uc758 \uc2e0\ud0c1 \uc758\ubb34\ub294 \uc6b0\ub9ac\uc5d0\uac8c \ub9e1\uaca8\uc9c4 \uae30\uae08\uc744 \uc2e0\uc911\ud558\uac8c \uc0ac\uc6a9\ud558\ub3c4\ub85d \uc694\uad6c\ud569\ub2c8\ub2e4.\"\ub77c\uace0 \uc7ac\ub2e8\uc758 \uc0ac\uc7a5 \uacb8 CEO\uc778 \ud1b0 \ud14c\uc77c\ub7ec\ub294 \ub9d0\ud569\ub2c8\ub2e4. \"\uc6b0\ub9ac\ub294 10\ub144 \ub118\uac8c \uc9c0\ucd9c \uacf5\uc2dd\uc744 \uc870\uc815\ud558\uc9c0 \uc54a\uc558\uc73c\uba70, \uc774 \uae30\uae08\uc774 \uadf8\ub9ac\uc2a4\ub3c4\ub97c \uc704\ud574 \uc601\uad6c\uc801\uc73c\ub85c \ubd09\uc0ac\ud560 \uc218 \uc788\ub3c4\ub85d \ud558\uae30 \uc704\ud574 \uc9c0\uae08\uc774 \ubc14\ub85c \uadf8\ub807\uac8c \ud574\uc57c \ud560 \ub54c\ub77c\ub294 \uac83\uc744 \uc54c\uace0 \uc788\uc5c8\uc2b5\ub2c8\ub2e4. \ub3d9\uc2dc\uc5d0 \uc218\uc218\ub8cc\ub97c \uac80\ud1a0\ud558\uc5ec \ubaa8\ub4e0 \uc218\ud61c\uc790\uc5d0\uac8c\ub3c4 \uc720\ub9ac\ud55c \ubc29\ud5a5\uc73c\ub85c \uc870\uc815\ud560 \uc218 \uc788\uae30\ub97c \ubc14\ub78d\ub2c8\ub2e4.\"<\/p>\n<p><strong>\uc9c0\ucd9c \uacf5\uc2dd \ubcc0\uacbd<\/strong><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-11817 alignleft\" src=\"http:\/\/www.presbyterianfoundation.org\/wp-content\/uploads\/2021\/07\/fdn-glass.jpg\" alt=\"\" width=\"400\" height=\"300\" srcset=\"https:\/\/www.presbyterianfoundation.org\/wp-content\/uploads\/2021\/07\/fdn-glass.jpg 400w, https:\/\/www.presbyterianfoundation.org\/wp-content\/uploads\/2021\/07\/fdn-glass-300x225.jpg 300w\" sizes=\"auto, (max-width: 400px) 100vw, 400px\" \/>\uc774\uc0ac\ud68c\ub294 \uc7ac\ub2e8\uc758 \uc544\uc6c3\uc18c\uc2f1 \ucd5c\uace0\ud22c\uc790\ucc45\uc784\uc790 \uc5ed\ud560\uc744 \ud558\ub294 \ub178\ub358 \ud2b8\ub7ec\uc2a4\ud2b8\uc758 \uc870\uc5b8\uc5d0 \ub530\ub77c \uc774\ub7ec\ud55c \uc870\uce58\ub97c \ucde8\ud588\uc2b5\ub2c8\ub2e4. \ub178\ub358 \ud2b8\ub7ec\uc2a4\ud2b8\ub294 \uc7ac\ub2e8\uc5d0 \ud604\uc7ac\uc758 \uacac\uc870\ud55c \uc2dc\uc7a5 \uc218\uc775\ub960\uc774 \uc9c0\uc18d\ub418\uc9c0 \uc54a\uc744 \uc218 \uc788\ub2e4\uace0 \uc870\uc5b8\ud588\uc2b5\ub2c8\ub2e4. \uc2e4\uc81c\ub85c \ud5a5\ud6c4 \ud22c\uc790 \uc218\uc775\ub960\uc740 \ud604\uc7ac \uc218\uc775\ub960\ubcf4\ub2e4 \ub0ae\uc744 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4.<\/p>\n<p>\uc7ac\ub2e8\uc740 \ub2e8\uccb4\ub97c \uc704\ud55c \uae30\uae08\uc744 \uc601\uad6c\uc801\uc73c\ub85c \ubcf4\uc720\ud558\uba70 \ubd84\uae30\ubcc4\ub85c \uc218\ud61c\uc790\uc5d0\uac8c \uae30\uae08\uc744 \ubc30\ubd84\ud569\ub2c8\ub2e4. \ubc30\ubd84\uc740 18\uac1c\uc6d4 \uc2dc\ucc28\ub97c \ub450\uace0 20\ubd84\uae30 \ub864\ub9c1 \ud3c9\uade0\uc744 \uc0ac\uc6a9\ud558\uc5ec \uacc4\uc0b0\ub429\ub2c8\ub2e4. 20\ubd84\uae30 \ub864\ub9c1 \ud3c9\uade0\uc740 \ud3c9\ud65c\ud654\ub97c \uc81c\uacf5\ud558\uc5ec \ubd84\uae30\ubcc4 \ubc30\ubd84\uc774 \ube44\uad50\uc801 \uc548\uc815\uc801\uc73c\ub85c \uc720\uc9c0\ub418\ub3c4\ub85d \ud558\uba70, 18\uac1c\uc6d4\uc758 \uc2dc\ucc28\ub97c \ub450\uc5b4 \uc218\ud61c\uc790\uc5d0\uac8c \uc608\uc0b0 \ucc45\uc815 \uc2dc \uc608\uc0c1\ub418\ub294 \uc0ac\ud56d\uc744 \ucda9\ubd84\ud788 \uc54c\ub9b4 \uc218 \uc788\ub3c4\ub85d \ud569\ub2c8\ub2e4.<\/p>\n<p>\ube44\uc728 \ubcc0\uacbd\uc740 5\ub144 \ub3d9\uc548 \ub9e4\ub144 0.05%\uc529 \uc870\uc815\ud558\uc5ec \uc810\uc9c4\uc801\uc73c\ub85c \uc2dc\ud589\ub420 \uc608\uc815\uc785\ub2c8\ub2e4.<\/p>\n<p>\uc7ac\ub2e8 \uc774\uc0ac\ud68c\ub294 \ub9e4\ub144 \uc9c0\ucd9c \uacf5\uc2dd\uacfc \ud568\uaed8 \ub178\ub358 \ud2b8\ub7ec\uc2a4\ud2b8\uc5d0\uc11c \uc81c\uacf5\ud558\ub294 \uc9c0\uc18d\uac00\ub2a5\uc131 \ubd84\uc11d\uc744 \uac80\ud1a0\ud569\ub2c8\ub2e4. \uc7ac\ub2e8 \uc9c1\uc6d0\ub4e4\uc758 \uacc4\uc0b0\uc5d0 \ub530\ub974\uba74 \uc2dc\uc7a5\uc758 \uac15\uc138\uc5d0 \ud798\uc785\uc5b4 \uc218\ud61c\uc790\uc5d0\uac8c \ubd84\ubc30\ub418\ub294 \uae30\uae08\uc774 \uacc4\uc18d \uc99d\uac00\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. \uc7ac\ub2e8\uc758 \ud22c\uc790 \ub2f4\ub2f9 \ubd80\uc0ac\uc7a5 \uacb8 \ub9e4\ub2c8\uc800\uc778 \uc544\ub2c8\ud0c0 \ud074\ub808\ubaac\uc2a4\ub294 \"\uc9c0\uae08\uc774 \ubc14\ub85c \uc774\ub7ec\ud55c \uc870\uc815\uc744 \ud558\uae30\uc5d0 \uc774\uc0c1\uc801\uc778 \uc2dc\uae30\uc785\ub2c8\ub2e4.\"\ub77c\uace0 \ub9d0\ud569\ub2c8\ub2e4. \"\uc774\ub294 \uae30\uc874 \uc218\ud61c\uc790\uc758 \uc694\uad6c\ub97c \ucda9\uc871\ud558\ub294 \ub3d9\uc2dc\uc5d0 \uac00\uce58\ub97c \ubcf4\uc874\ud574\uc57c \ud558\ub294 \uc7ac\ub2e8\uc758 \uc2e0\ud0c1 \uc758\ubb34\ub97c \uc774\ud589\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub418\ub294 \uc911\uc694\ud55c \ubcc0\ud654\uc785\ub2c8\ub2e4.\"<\/p>\n<p><strong>\uad00\ub9ac \uc218\uc218\ub8cc \ubcc0\uacbd \uc0ac\ud56d<\/strong><\/p>\n<p>\ubcc4\ub3c4\uc758 \uc870\uce58\ub85c, \uc774\uc0ac\ud68c\ub294 2023 \ud68c\uacc4\uc5f0\ub3c4 \uc608\uc0b0 \uc8fc\uae30\uc5d0 \ube44\uc6a9 \ud68c\uc218 \ubc29\ubc95\ub860\uc744 \ud1b5\ud569\ud558\ub294 \ubc29\uc548\uc744 \ucd94\uc9c4\ud558\uae30\ub85c \uc758\uacb0\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uae30\ubcf8\uc801\uc73c\ub85c \ube44\uc6a9 \ud68c\uc218\ub294 \uc608\uc0b0\uacfc \uc870\uc9c1\uc758 \uc2e4\uc81c \ube44\uc6a9 \ubc0f \uc694\uad6c \uc0ac\ud56d \uac04\uc758 \uade0\ud615\uc744 \ub9de\ucd94\ub294 \uc2dc\uc2a4\ud15c\uc785\ub2c8\ub2e4. \ud68c\uacc4\uc5f0\ub3c4 \ub9d0\uc5d0 \uc7ac\ub2e8\uc5d0 \uc21c\uc789\uc5ec\uae08\uacfc \ucda9\ubd84\ud55c \uc900\ube44\uae08\uc774 \uc788\ub294 \uacbd\uc6b0, \uc789\uc5ec\uae08\uc740 \ud22c\uc790 \ud480\ub85c \ud658\uae09\ub418\uc5b4 \ud22c\uc790\ub41c \uc601\uad6c \uc790\uae08\uc758 \uc2dc\uc7a5 \uac00\uce58\ub97c \ub192\uc5ec \uad50\ud68c\uc758 \uc120\uad50\uc5d0 \ub354 \ud070 \ub3c4\uc6c0\uc774 \ub420 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<p>\ud604\uc7ac \uc7ac\ub2e8\uc740 \uc601\uad6c \uae30\uae08 \ud22c\uc790\uc758 \uc2dc\uc7a5 \uac00\uce58\uc5d0 \ub300\ud574 0.99%\uc758 \uace0\uc815 \uc218\uc218\ub8cc\ub97c \ubd80\uacfc\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc9c0\ub09c \uba87 \ub144 \ub3d9\uc548 \uc7ac\ub2e8\uc740 \uc789\uc5ec\uae08\uc744 \ubcf4\uc720\ud558\uc5ec \ud22c\uc790 \ud480\uc5d0 \ud658\uae09\ud560 \uc218 \uc788\uc5c8\uc2b5\ub2c8\ub2e4. \uc6d0\uac00 \ud68c\uc218 \ubc29\uc2dd\uc740 \uc218\ud61c\uc790\uc5d0\uac8c \ubd80\uacfc\ub418\ub294 \uc218\uc218\ub8cc\ub97c \ud604\ud589 99 \ubca0\uc774\uc2dc\uc2a4 \ud3ec\uc778\ud2b8 \uc774\ud558\ub85c \ub0ae\ucd94\ub294 \uac83\uc744 \ubaa9\ud45c\ub85c \ud569\ub2c8\ub2e4. \ube44\uc6a9 \ud68c\uc218 \ubc29\ubc95\ub860\uc740 \uc7ac\ub2e8\uc744 \ubbf8\uad6d \uc7a5\ub85c\uad50 \ub0b4\uc758 \ud615\uc81c \uae30\uad00\uacfc \ub354 \uc798 \uc5f0\uacc4\ud558\uace0, \uc608\uc0b0 \ud3b8\uc131 \uacfc\uc815\uc5d0 \ub300\ud55c \ud22c\uba85\uc131\uc744 \ub192\uc774\uba70, \uc218\ud61c\uc790\uac00 \ubc1b\ub294 \ud61c\ud0dd\uc744 \uadf9\ub300\ud654\ud558\uc5ec \uc7ac\ub2e8\uc758 \uc218\ud0c1\uc790 \uc5ed\ud560\uc744 \uc9c0\uc6d0\ud560 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<p>\"\ubbf8\uad6d \uc7a5\ub85c\uad50\ud68c\uc640 \uc120\uad50 \ud30c\ud2b8\ub108\ub4e4\uc744 \uc704\ud574, \uadf8\ub9ac\uace0 \uadf8\ub4e4\uc744 \ub300\uc2e0\ud558\uc5ec \uccad\uc9c0\uae30 \uc9c1\ubd84\uc744 \ucda9\uc2e4\ud788 \uc218\ud589\ud574 \uc628 \uc7a5\ub85c\uad50 \uc7ac\ub2e8\uc758 222\ub144 \uc5ed\uc0ac\uc5d0\uc11c \ub450 \uac00\uc9c0 \ud544\uc218 \uc694\uc18c\ub294 \uc9c0\ud61c\uc640 \uade0\ud615\uc785\ub2c8\ub2e4.\"\ub77c\uace0 \uc7ac\ub2e8 \uc774\uc0ac\ud68c \uc758\uc7a5 \ub2d0 \ud504\ub808\uc0ac(Neal Presa)\ub294 \ub9d0\ud569\ub2c8\ub2e4. \"\uc62c\ubc14\ub978 \uade0\ud615\uc744 \uc7a1\uc73c\ub824\uba74 \uc131\ub839\uc758 \uc9c0\ud61c\uac00 \ud544\uc694\ud569\ub2c8\ub2e4. \uc774\uc0ac\ud68c\ub294 \uc9c0\ub09c 2\ub144 \ub3d9\uc548 \uc218\ub9ce\uc740 \ud611\uc758\uc640 \ud611\ub825, \uc758\ub3c4\uc801\uc778 \uae30\ub3c4\ub97c \ud1b5\ud574 \uc131\ub839\uaed8\uc11c \uc778\ub3c4\ud558\uc2e0 \uc9c0\ud61c\ub97c \ubd84\ubcc4\ud558\uc5ec \uc9c0\uae08 \uc774 \uc870\uce58\ub97c \ucde8\ud588\uc73c\uba70, \uadf8 \uacfc\uc815\uc5d0\uc11c \ud604\uc7ac\uc640 \ubbf8\ub798\uc758 \uc218\ud61c\uc790\ub97c \uc704\ud55c \uc7a5\uae30\uc801\uc778 \uc131\uc7a5\uacfc \uc9c0\uc6d0\uc758 \uc62c\ubc14\ub978 \uade0\ud615\uc744 \ucc3e\uc558\uc2b5\ub2c8\ub2e4.\"\ub77c\uace0 \ub9d0\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<p><em>\ub85c\ube48 \ub370\uc774\ube44\uc2a4 \uc138\ucfe8\ub77c\ub294 \uc7a5\ub85c\uad50 \uc7ac\ub2e8\uc758 \ucee4\ubba4\ub2c8\ucf00\uc774\uc158 \ubc0f \ub9c8\ucf00\ud305 \ub2f4\ub2f9 \ubd80\uc0ac\uc7a5\uc785\ub2c8\ub2e4. \ubbf8\uad6d\uc7a5\ub85c\uad50\uc5d0\uc11c \uc548\uc218\ubc1b\uc740 \uc7a5\ub85c\uc785\ub2c8\ub2e4. \ub2e4\uc74c \uc5f0\ub77d\ucc98\ub85c \uc5f0\ub77d\ud558\uc2e4 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <\/em><a href=\"\/ko\/&\/#109;&#x61;&#105;&#x6c;&#116;&#x6f;&#58;&#x72;o&#x62;y&#x6e;&#46;&#x73;e&#107;&#x75;&#108;&#x61;&#64;&#x70;&#114;&#x65;&#115;&#x62;y&#x74;e&#x72;i&#x61;n&#102;&#x6f;&#117;&#x6e;&#100;&#x61;&#116;&#x69;&#111;&#x6e;&#46;&#x6f;r&#x67;\"><em>robyn.sekula@presbyterianfoundation.org<\/em><\/a><em>. <\/em><\/p>","protected":false},"excerpt":{"rendered":"<p>During its November 2021 Board of Trustees meeting, the Presbyterian Foundation Board took two actions which will ensure adequate funds are available for generations to come. First, the Board of [&hellip;]<\/p>\n","protected":false},"author":38,"featured_media":11817,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[117],"tags":[],"class_list":["post-12465","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"acf":[],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.10 - aioseo.com -->\n\t<meta name=\"description\" content=\"During its November 2021 Board of Trustees meeting, the Presbyterian Foundation Board took two actions which will ensure adequate funds are available for generations to come. 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