When we think about financials, we consider two things: cash flow and reserves. Cash flow is what comes in minus what we spend. Reserves is the money we set aside to weather ups and downs in the economy, emergency circumstances and anticipated future needs. The two main sources of income for the IMB are the Cooperative Program (CP) and the Lottie Moon Christmas Offering® (LMCO). These constitute over 95 percent of our budgeted income. We are grateful for Southern Baptists’ faithful giving through both the CP and the LMCO.