1.   Experts on American Jewish giving say several factors are responsible for a growing percentage each year of Jewish giving to non-mainstream Jewish and non-Jewish institutions and causes.

2.   In addition, as ever more costly drugs are introduced, prescription drug costs are rising by double digit percentages each year.

3.   In fact, the percentage this year is the lowest in the history of the survey, its authors said.

4.   The annuity version of this trust pays the donor a fixed percentage each year.