Richard, Yes!  You are correct on both accounts, but I'm glad to say that both have very good explinations...  1) The Breast Cancer Society has operated from a residential area this past year in an effort to reduce overhead cost by several thousand dollars a month - which we have been able to pass on to helping our patients.  However, due to concerns of this nature we have decided to move back into commercial property.  It will hurt our patients but help our public perception, which is so important in this work.    2) The 97% administration reported for 2007 with Colorado represented about $1,400 of total expense.  It was our first year of operation and everything we had to report was only the overhead cost of registering with the states (CO being one of those).  2008 is our first full year of operation.  We will have about 60% program services for 2008.  This number will improve each year moving forward.    Please do not hesitate to contact us directly for further clarification or verification.  info@breastcancersociety.org