Given the record-low rate environment, the refinancing pattern is also evident in the year-to-date figures through October, with 59% of total volume earmarked for this purpose.

FORBES: Connect

Charitable commitment shows how much of total expenses went for the charitable purpose, excluding management, overhead and fundraising.

FORBES: The 2005 Investment Guide

Charitable commitment measures how much of total expense went directly to the charitable purpose and not to management, overhead and fundraising.

FORBES: Magazine Article