b'HOT does not pay ANY of the overhead of ANY organization it partners with.HOT supports sectarian and non-sectarian projects (but YOUR dollars go ONLY to where YOU tell us YOU want them to gothere is no fungibility of dollars at HOT). HOT support projects in the United States, in Israel, one in Guatemala, one in the Former Soviet Union (FSU), and one in Kenya.Your entire dollar goes where YOU want it to go, expanding the projects YOU choose or, if YOU prefer, the geographic region or specific category you choose.Simplyput(i)HOTisefficient,(ii)itsduediligenceiscomprehensive,and(iii)itfunds critical projects that in many cases have been overlooked by more traditional charities and where, but for HOTs grant, people with desperate needs would not be helped.Please read through the Table of Contents and pick the area or areas most meaningful to you. But since many of our projects could have been just as easily put in another section (Does feeding a poor senior belong in The Elderly? The Poor and the Hungry? Does feeding a child belong in Youth at Risk? The Poor and the Hungry?) you may need to read the entire HOT News to find YOUR project. Pages 3 to 6 contain a summary of our various activities that you may want to read before reading the in-depth description of all 45 of our projects. Starting on page 7, you willreadaboutourpartnersandtheirwishlistsofcriticalneedsthatYOUcan DESIGNATE to helpletting YOU pick who YOU help and how YOU help them.Very truly yours,Ronald L. Gallatin Chairman and CEOTable of Contents(Number of Projects)PagesPages 12Letter3132Community Service (2) 36Summary of HOTs Programs3340The Elderly (8) 718The Poor and The Hungry (12)4247 Special Needs and Compassionate Care (5) 1930 Youth at Risk (10)4858The Many Victims of War, Terror and Natural Disasters (8)2'