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     (c) 1999-2010 Medseek, Inc. All rights reserved.-->
    













	
	
	 
	 
	 
	 

	
	
	
	

	
	

	
	

	
	

	
	

	
	

	
	


	
	

	
	

	
	
	
	
	

	
	

	
	

	
	

	
	

	
		
		
	
		

	
		

	
		

	
		

	 
	 
	 
	 

	
	
	
	
	
	
	
	
		
	

	
	 
	
	
	
	
	
	

	
	
	
	
	

	
	

	
	

	
	

	
	

	
	

	
	

	
	

	
	

	
	

	
	

	
	

	
	
	
	
	
	
	
	
	
	

	
	

	
	

	
	
	
	
	

	
	

	
	

	
	

	
	

	
	

	
	

	
	

	
	

	
	
	
	

	
	

	
	
	
	
	

	
	

	
	

	
	

		
	
	
	
	
	
	
	
	
	
	

	
	

	
	

	

	
	

	
	

	
	

	
	

	
	

	
	
	
	
	

	
	

	
	

	
	

	
	

	
	

	
	

	
	

	
	

	
	

	
	

	
	

	
	

	
	

	
	

	
	
	
	
	

	
	

	
	

	
	

	
	

	
	

	
		
		
	
		

	
		

	
		

	
		
	
	
		
		
	
		
	
	
		
	
	
	
		
	
	
	
	
	
	
	
	

	
	
	
	
	
		
		
			

		
		
		
		
		
		
		
		
		
		
		
		
		
		

		
			
		
		 
		
		
		
		

		
		
		
		
		
		
		
		
		
		

		
		
		
		

		

		
		
		

			
				
			
		
		
		
		
		

		
		
		
		
		
		
		
			

		
		
		
		
				
		
		
		
				
		
			
		

		
		
		
		
		
		
	
		
			
			
			
		
		
		
	
		
			
			
		

		
		
		
		
			

		

		
		
		

			
				
			
		
		
		
		
		

		
		
		
		
		
		

		
					
						
		
		
				
		
		
		
		
		
				
		
		

		
		
		
		
		
		
		
		
			
			
				
			
		
		
		
		
		
			
			
		
		
		
		
		
			
			
		

		
		
		
			
			
		
		
		

		
			

			
		
		

		
		

		
				
		 
		
			
		
		
		

		
			
			
		
		
		
			

		

		
		
		
		

		
		

		
		
		
		
		
		
		
		
		
		

		
		

		
	
	
	
	




	
	
	

	
	
	
	
	
	
	
	
	
	

	
	


	
	
		
			
		
	
	
	
	
	
		
	
	
		
			
			
			
			
			
		
	
	
	
	

 


	
	
	
		



		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		

		
		

		
		
		
		

		

		
		
		

			
				
			
		
		
		
		
		

		
		
		
		
		
		
		
			

		
		
		
		
				
		
		
		
				
		
			
		

		
		
		
		
		
		
	
		
			
			
			
		
		
		
	
		
			
			
		

		
		
		
		
			

		

		
		
		

			
				
			
		
		
		
		
		

		
		
		
		
		
		

		
					
						
		
		
				
		
		
		
		
		
				
		
		

		
		
		
		
		
		
		
		
			
			
				
			
		
		
		
		
		
			
			
		
		
		
		
		
			
			
		

		
		
		
			
			
		
		
		

		
			

			
		
		

		
		

		
				
		 
		
			
		
		
		

		
			
			
			
		
		
			

		

		
		
		
	
		

		
		

		
		
		
		
			
		
		
		
			

		
		

		
		

		
		
		
		
		
		
		
			
				

		
		
		
		

		

		
		
		

			
				
			
		
		
		
		
		

		
		
		
		
		
		

		
		
		
		
				
		
		
		
				
		
			
		

		
		
		
		
		
		
	
		
			
			
			
		
		
		
	
		
			
			
		

		
		
		
		
			

		

		
		
		

			
				
			
		
		
		
		
		

		
		
		
		
		
		

		
					
						
		
		
				
		
		
		
		
		
				
		
		

		
		
		
		
		
		
		
		
			
			
				
			
		
		
		
		
		
			
			
		
		
		
		
		
			
			
		

		
		
		
			
			
		
		
		

		
			

			
		
		

		
		

		
				
		 
		
			
		
		
		

				
			
		
		

		
		
		
		
			

		
		

		
		

		
		
		
		
		
		
		
		

		
		
		
		
		
		
			

		
		

		
		

		
		
		
		
		
		
		
			
				

		
		
		
		
		
		
		
		
		
		
		
		
		
		

		
			
		
		 
		
		
		
		

		
		
		
		
		
		
		
		
		
		

		
		
		
		

		

		
		
		

			
				
			
		
		
		
		
		

		
		
		
		
		
		
		
			

		
		
		
		
				
		
		
		
				
		
			
		

		
		
		
		
		
		
	
		
			
			
			
		
		
		
	
		
			
			
		

		
		
		
		
			

		

		
		
		

			
				
			
		
		
		
		
		

		
		
		
		
		
		

		
					
						
		
		
				
		
		
		
		
		
				
		
		

		
		
		
		
		
		
		
		
			
			
				
			
		
		
		
		
		
			
			
		
		
		
		
		
			
			
		

		
		
		
			
			
		
		
		

		
			

			
		
		

		
		

		
				
		 
		
			
		
		
		

		
			
			
		
		
		
			

		

		
		
		
		

		
		

		
		
		
		
		
		
		
		
		
		

		

		

		
		
		
		
		
		
		
		
		
		
		
		

		
			
		
		

		
		
		
		


		
			

		

		
		
		

	
		
		
		
		

		


		
		
		
		


 

		
	

	
	
		





















 

	

 
























	<!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 3.2 Final//EN">
	<HTML>










	<HEAD>
<meta name="verify-v1" content="0L6Ij7p7XTIcx3b55IxiK3Ot9qYv4rMRM2yfOUPvhAE=" />
	<TITLE>Charitable Gift Annuities</TITLE>
	<meta http-equiv="Content-Type" content="text/html; charset=iso-8859-1">
	<meta name="description" content="">
	<meta name="keywords" content="bay medical foundation, bay foundation, hospital foundation, donate to hospital, hospital donation">
	<style type="text/css">
		@import url(default.css);
	</style>         <script type="text/javascript">
var gaJsHost = (("https:" == document.location.protocol) ? "https://ssl." : "http://www.");
document.write(unescape("%3Cscript src='" + gaJsHost + "google-analytics.com/ga.js' type='text/javascript'%3E%3C/script%3E"));
</script>
<script type="text/javascript">
try {
var pageTracker = _gat._getTracker("UA-6396952-1");
pageTracker._trackPageview();
} catch(err) {}</script>
     
		<style name="text/css" class="search">		
			td.search {background-color: transparent; background-image: URL(images/clear.gif); font-family: verdana,arial; font-weight: 700; font-size: 12px; font-color: 000000;}
					
		</style>
	
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			if(smt_fontsizeGetCookie() == 8){
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		var curCookie = name + "=" + escape(value);
		
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	function smt_fontsizeGetCookie(){
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		if (document.cookie.indexOf(name) != -1) {
			cs=document.cookie.indexOf(name+"=");
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				ce=document.cookie.indexOf(";",cs);
				if(ce==-1) ce=document.cookie.length
				return parseInt(unescape(document.cookie.substring(cs,ce)));
			} else {
				return "";
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		} else {
			return "";
		} 
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	// A function to compute the current font size as rendered by the browser.
	function smt_fontsizeGetCurrentFontSize(elem){
		var ieFontScale	=	new Array ("10","11","12","14","18","24","30","36","48","60","72");
		if ( elem == null )
			return null;
		
		// if the style isn't defined inline, then ask the browser to compute the current size	
		if ( elem.style.fontSize == "")
		{
			var browserName=navigator.appName; 
			var browserVer=parseInt(navigator.appVersion); 
			if (browserName=="Microsoft Internet Explorer" && browserVer>=4) 
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				//IE does not handle the increments well without this
				if(elem.tagName == "FONT"){
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					if(ieFontIndex == "" || ieFontIndex < 0){
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					return elem.currentStyle.fontSize;
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			else
				if(navigator.vendor.indexOf('Apple') != 0){
					return document.defaultView.getComputedStyle(elem, '').getPropertyValue("font-size");
				} else {
					return '12';
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		// else return the current fontsize.
		else
		{
			return elem.style.fontSize;
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	// Checks if an element is a child of a filtered node (one that should be resized.)
	function smt_fontsizeParentIsFiltered(elem_temp){
		var elem = elem_temp;
		var classname;
		while ( elem.parentNode != null && elem.parentNode.tagName != "HTML")
		{
			elem = elem.parentNode;
			try
			{
				if ( elem.getAttribute('class') != null )
					classname = elem.getAttribute('class');
				else
					classname = elem.className;
			
				var isResizable = classname.indexOf('content') >= 0;
			
				if (classname == "content" | isResizable)
					return true;
			} catch(err) {/*alert(elem + ": " + err.description + " ");*/}
		}
	
		return false;
	}
	// Increments the fontsize of an element.
	function smt_fontsizeIncrementElement(elem,size){
		var currentSize;
		var currentVal;
		var currentUnit;
		var unitPattern = /[A-Z]+$/i;
		
		
		if ( smt_fontsizeParentIsFiltered(elem) )
		{
		
			currentSize = smt_fontsizeGetCurrentFontSize(elem);
			currentVal = currentSize.substring(0,currentSize.search(unitPattern));
			currentUnit = currentSize.substring(currentSize.search(unitPattern),currentSize.length);

			if ( size + parseFloat(currentVal) > 0)
				elem.style.fontSize = (size + parseFloat(currentVal)) + currentUnit;
		
		}
		
	}
	// Increments the font size of every element on the page by "size."
	// Size can be either +,-,default, or an integer value between the max and min allowed.
	// the dontUpdateCookie flag prevents the function from updating the cookie after the font resize.
	function smt_fontsizeIncrement(size,dontUpdateCookie){
		if( size == "+" )
			size = 2;	
		else if ( size == "-" )
			size = -2;
		else if ( size == "default" ){
			size = -smt_fontsizeGetCookie();
			
				smt_fontsizeBtnStatus('increase','increase.gif');
				smt_fontsizeBtnStatus('decrease','decrease.gif');
			
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		if ( dontUpdateCookie == null )
			smt_fontsizeSetCookie( size + smt_fontsizeGetCookie() );
			
		for ( var i=0; element = document.getElementsByTagName("*")[i]; i++ )
			smt_fontsizeIncrementElement(element,size);
		
		
			if(smt_fontsizeGetCookie() <= -2){
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<script type="text/javascript">
//<!--
var ns4 = (document.layers);
var ie  = (document.all);
var ie4 = (ie && !document.getElementById);
var ie5 = (ie && document.getElementById);
var ns6 = (!ie && document.getElementById);

var aryMoused = new Array();
var aryLayerMoused = new Array();
var aryMoImages = new Array();
var imageList = new Array();
var runMouseOvers = true;
var TimerID = null;
var iLimit = 25;
var itmp = 0;

var nbTime = 100;
var nbTimes = 2;
var nbThisLoc = 325;
var aryLayerNames = new Array();
var aryNavBarLayerInfo = new Array();
var aryNavBarLayers = new Array();

var registeredObjects = new Array();
var viz = "hide";

function MOImage() {
	var arg = MOImage.arguments;
	this.ptrImage = BillzNavBarMM_findObj(arg[0]);
	this.imageMO = new Image();
	this.imageMO.src = arg[1];
	this.HTMLname = arg[0];
	this.Moused = false;
	this.OriginalSrc = '';
	return true;
}

function BillzImagePreload() {
	// 0) html image name 1) mo image src 2)image Name for rollover key (rollover may have multiple mos for one html Image) 
	var arg = BillzImagePreload.arguments;
	nbImagePreload(arg[0], arg[1], arg[2]);
}

function nbImagePreload(img_name, mo_img_src, rollover_key_img_name) {
	var imageKey = (rollover_key_img_name.length > 0) ? rollover_key_img_name : img_name;
	imageList[imageList.length] = imageKey;
	if (!(aryMoImages[imageKey])) aryMoImages[imageKey] = new MOImage(img_name, mo_img_src);
}

function BillzMouseover() {
	var arg = null;
	if (runMouseOvers) {		
		arg = BillzMouseover.arguments; //args 0)ImageName 1)OriginalSrc 2)array index (caller imagename)		
		nbMouseover(arg[0], arg[1], arg[2]);
	}
	return true;
}
// args 1) ImageName 2) OriginalSrc 3) array index (caller imagename)
function nbMouseover(img_name, orig_src, img_key) {
	var imageKey = null;
	var o = null;
	if (runMouseOvers) 
	{				
		imageKey = (img_key.length > 0) ? img_key : img_name;
		if (!(aryMoImages[imageKey].ptrImage)) aryMoImages[imageKey].ptrImage = BillzNavBarMM_findObj(img_name);		
		if (aryMoImages[imageKey] && (o = aryMoImages[imageKey].ptrImage)) {
			aryMoImages[imageKey].OriginalSrc = orig_src;
			aryMoImages[imageKey].Moused = true;
			o.src = aryMoImages[imageKey].imageMO.src;
		}
	}
	return true;
}

var NavBarTempOnload = null;
if (window.onload && window.onload != null) NavBarTempOnload = window.onload;

function FullyLoaded() {
	if (NavBarTempOnload != null) NavBarTempOnload();
	runMouseOvers = true;
	return true;
}

function BillzMouseOutTimer() {
	return nbMouseOutTimer();
}

function nbMouseOutTimer() {
	if (TimerID) clearTimeout(TimerID);
	TimerID = setTimeout("nbLayerRestore()",5000);
	return true;
}

function RestoreAll() {
	nbMouseoverRestore();
	nbLayerRestore();
	return true;
}

function BillzMouseoverRestore() {
	return nbMouseoverRestore();
}

function nbMouseoverRestore() {
	var i = 0;
	var o = null;
	if (runMouseOvers) {
		for (i = 0; i < imageList.length; i++) {
			if (aryMoImages[imageList[i]].Moused && (o = aryMoImages[imageList[i]].ptrImage)) {
				o.src = aryMoImages[imageList[i]].OriginalSrc;
				aryMoImages[imageList[i]].Moused = false;
			}
		}
	}
	return true;
}

function BillzLayerRestore() {
	return nbLayerRestore();
}

function nbLayerRestore() {
	var i = 0;
	for (i = 0; i < aryLayerNames.length; i++) {
		if (!aryNavBarLayerInfo[aryLayerNames[i]].isDefault) BillzNavBarRestoreLayers(aryLayerNames[i]);	
	}
	return true;
}

function BillzArrayPushUnique(aryArray, varNewElement) { //only pushes if unique value
	var pushIt = true;
	var i = 0;
	for (i = 0; i < aryArray.length && pushIt; i++) {
		pushIt = (varNewElement != aryArray[i]);
	}
	if (pushIt) BillzArrayPush(aryArray, varNewElement);
	return pushIt;
}

function BillzArrayPush(aryArray, varNewElement) { //Implement Array Push 'cause IE cant handle it
	aryArray[aryArray.length] = varNewElement;
	return true;
}
function BillzArrayPop(aryArray) { //Implement Array Pop 'cause IE cant handle it before 5.5
	var varItemToPop = null;
	if (aryArray[aryArray.length - 1]) {
		varItemToPop = aryArray[aryArray.length - 1];
		aryArray[aryArray.length] = null;
	}
	return varItemToPop;
}

function getDivRef(id) {
	var divref;
	if(ns4) divref = document.layers[id];
	else if(ie4) divref = document.all[id];
	else if(ie5 || ns6) divref = document.getElementById(id);	
	return divref;
}

//v3.0 name changed to avoid clash with possible other JS in content, this function complements of MM Dreamweaver
function NavBarSwapRollover(swapimage,defaultimage,imageID) {
	if(imageID.length > 0 && document.getElementById(imageID))
	{
		if(swapimage.length > 0) 
			document.getElementById(imageID).src = "images/" + swapimage;
		else
			document.getElementById(imageID).src = "images/" + defaultimage;		
	}
}
function BillzNavBarMM_findObj(n, d) {
	var p,i,x;
	if (ns6) x = document.getElementById(n);
	else {		
		if (registeredObjects[n]) return registeredObjects[n];
		if (!(d)) d = document;
		try {
			p = n.indexOf("?");
		}
		catch(e) {
			p = 0;
		}
		if (p > 0 && parent.frames.length) {
			d = parent.frames[n.substring(p+1)].document;
			n = n.substring(0,p);
		}
		if (!(x = d[n]) && d.all) x = d.all[n];	
		for (i = 0; !x && i < d.forms.length; i++) {
			x = d.forms[i][n];
		}
		for (i=0; !x && d.layers && i < d.layers.length; i++) {
			if (d.layers[i].id.indexOf("external_") == -1) x = BillzNavBarMM_findObj(n, d.layers[i].document);	
		}
		registeredObjects[n] = x;
	}				
	return x;
}

function BillzArrayContains() {
	var arg = BillzArrayContains.arguments;
	var foundit = false;
	var i = 0;
	for (i = 0; i < arg[0].length && !foundit; i++) {
		foundit = (arg[1] == arg[0][i]);
	}
	return foundit;
}

function NavBarRegisterLayer() {
	var arg = NavBarRegisterLayer.arguments;
	var n = arg[0];
	var d = arg[1];
	var mo = false;
	var o = null;
	if (arg[2] && arg[2] == 'MOutLayer') mo = true;
	else mo = false;
	
	if (!(BillzArrayContains(aryLayerNames, n))) {
		if (o = BillzNavBarMM_findObj(n)) {
			aryNavBarLayers[n] = o;
			BillzArrayPushUnique(aryLayerNames, n);
			aryNavBarLayerInfo[n] = new NavBarLayer(n, d, mo);
		}
	}
	return true;
}

function BillzNavBarMM_showHideLayers() {
	//v3.0 name changed, this function complements of MM Dreamweaver with customizations by Bill Heller
	var i = 0;
	var x = "";
	var obj = null;
	var v = null;
	var p = null;
	var args = BillzNavBarMM_showHideLayers.arguments;
	
	if (args[args.length - 1] != "menu") nbMouseOutTimer();
	for (i = 0; i < (args.length - 2); i += 3) {
		if (!aryNavBarLayers[args[i]]) {
			x = (args[i + 2] == 'show') ? 'hide' : 'show';
			NavBarRegisterLayer(args[i], x);
		}
		if ((obj = aryNavBarLayers[args[i]]) != null) {
			v = args[i + 2];
			aryNavBarLayerInfo[args[i]].isDefault = false;
			if (args[args.length - 1] == "restore") v = (v == 'show') ? 'hide' : 'show';
			
			if (obj.style) obj.style.visibility = (v == 'show') ? 'visible' : ((v == 'hide') ? 'hidden' : v);
			else obj.visibility = v;
		}
	}
	return true;
}

function BillzNavBarRestoreLayers() {
	var i = 0;
	var x = "";
	var obj = null;
	var v = null;
	var p = null;
	var args = BillzNavBarRestoreLayers.arguments;
	for (i = 0; i < (args.length); i++) {
		if (obj = aryNavBarLayers[args[i]]) {
			v = aryNavBarLayerInfo[args[i]].defaultVisibility;
			if (obj.style) {
				obj = obj.style;
				v = (v == 'show' ) ? 'visible' : ((v == 'hide') ? 'hidden' : v);
			}
			obj.visibility = v;
			if (!aryNavBarLayerInfo[args[i]].MOutLayer) aryNavBarLayerInfo[args[i]].isDefault = true;			
		}
	}
	return true;
}

function NavBarLayer() {
	var arg = NavBarLayer.arguments;
	this.defaultVisibility = arg[1];
	this.isDefault = true;
	this.MOutLayer = arg[2];
	return true;
}

function BillzNavMove() {
	return nbNavMove();
}

function nbNavMove() {
	var thisl = null;
	var otherl = null;
	if (thisl = BillzNavBarMM_findObj("nbScrollLayer")) {
		if (thisl.style) {
			thisl = thisl.style;
			viz = "hidden";
		} 
		thisl.top = nbThisLoc -= 3;
		if (nbThisLoc < -750) {
			nbThisLoc = 325;
			nbTimes--;
		}
	}
	if (nbTimes <= 0) {
		otherl = BillzNavBarMM_findObj("BillzLayer");
		otherl.visibility = viz;
	} else {
		setTimeout("nbNavMove()", nbTime);
	}	
	return true;
}

function NavBar_openadmin() {
	window.open('admin/','SiteAdmin','height=screen.availheight,width=screen.availwidth,scrollbars=1,toolbar=0,directories=0,status=0,menubar=0,resizable=1');
	return true;
}

window.onload = FullyLoaded;
//-->
</script>
					
<script type="text/javascript">
//<!--
function NavBar_setCookie(cookievalue,navVersion,linkID) 
{	
	var cookiename = "SLIDINGTABLE_NAVBAR" + navVersion;
	var cookieVersionname = "SLIDINGTBL_NAVBAR_VERSION";
	var cookieClear = "SLIDINGTBL_NAVBAR_CLEARCOOKIES";	
	document.cookie = cookieClear.toUpperCase() + "=false";
	if(cookievalue.length > 0)
		document.cookie = cookiename.toUpperCase() + "=" + escape(cookievalue);
	if(navVersion.length > 0)	
		document.cookie = cookieVersionname.toUpperCase() + "=" + navVersion;	
	if(linkID.length > 0)
		NavBar_setPLinkIDCookie(linkID,navVersion);		
}
function NavBar_setoLevelIDCookie(cookievalue,linkID,navVersion) 
{
	var name = "SLIDINGTBL_NAVBAR_OLEVELID";		
	if(cookievalue.length > 0)
		document.cookie = name.toUpperCase() + "=" + escape(cookievalue);	
	if(linkID.length > 0)
		NavBar_setPLinkIDCookie(linkID,navVersion);	
	if(navVersion.length > 0)	
		document.cookie = "SLIDINGTBL_NAVBAR_VERSION=" + navVersion;		
}
function NavBar_setPLinkIDCookie(linkID,navVersion)
{	
	document.cookie = "SLIDINGTBL_NAVBAR_PLINKID=" + linkID;	
	if(navVersion.length > 0)	
		document.cookie = "SLIDINGTBL_NAVBAR_VERSION=" + navVersion;
}
function NavBar_deleteCookie() 
{
	// first we'll split this cookie up into name/value pairs
	// note: document.cookie only returns name=value, not the other components
	var check_name = "SLIDINGTABLE_NAVBAR";	
	var a_all_cookies = document.cookie.split( ';' );
	var a_temp_cookie = '';
	var cookie_name = '';
	var cookie_value = '';
	var b_cookie_found = false; // set boolean t/f default f	

	document.cookie = "SLIDINGTBL_NAVBAR_VERSION=0";	
	document.cookie = "SLIDINGTBL_NAVBAR_OLEVELID=";	
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		<p><img src="images/waystogive12.jpg" border="0" align="right" /></p>
<p><strong>Definition:</strong></p>
<p>Charitable gift annuities (CGAs) are one of<strong> the simplest and most popular</strong> forms of life income gifts. It involves a simple agreement whereby the charity accepts a gift of cash, securities, or property and agrees to pay a specified, fixed dollar amount to the annuitant (the donor or another beneficiary).</p>
<p>The fixed amount is set by the American Council on Gift Annuities and is based on the annuitant's age. Because the gift is irrevocable, the charity maintains control of the gift and becomes responsible for paying income for the lifetime of each annuitant.</p>
<p style="text-align: center;"><strong>&nbsp;Your caring will work magic for future generations by helping build a better community healthcare system.</strong></p>
	
 

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