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    <BuildTS>2022-09-23 18:48:47Z</BuildTS>
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        <PersonNm>Matt Gave</PersonNm>
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        <PersonNm>Paul Nice</PersonNm>
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      <ExplanationTxt>Saginaw Bay Community Sailing Association is primarily an all-volunteer run organization. During 2018, 2019, and 2020, we were engaging the services of another non profit organization to do the office and administrative work, including filing the 990. During 2020, the COVID 19 pandemic shut down our operations and programs, as well as those of our managing organization, who laid off most of their staff. We are unsure if the 990 postcard for organizations with less than $50,000 in revenue was filed during that time. We discontinued the services of the management organization in early 2021.</ExplanationTxt>
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