BillD, my objection to Red Cross doesn't stem from their administrative vs field operations budgets, but their method of delivery. They have alienated many people with their style over the years. In fact, in the immediate aftermath of 9/11, I was astounded at the number of military veterans that had a very low opinion of them.

So, like I said, it isn't just about the money. It is also just as much about the service and resource delivery style of the organization, their cultural attitudes towards those they are trying to help, and the criteria they use for who to help how much.

Also, it is crucial to remember that the charity watchdogs don't use a standardized means test and criteria to evaluate the charities. In other words, you need to also look at the politics, values, and culture of the charity watchdog you use to evaluate the charities too. Especially with elected attorneys general in the 50 states, who are the main charity watchdogs at the state level.