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The increased giving, which comes as turmoil on Wall Street has cut contributions to nonprofits nationwide, demonstrates one of the most compelling features of donor-advised funds-namely their capacity to pool charitable assets and create "charitable reserves" that can be tapped during economic downturns. "During good times, our donors have set aside significant charitable dollars, and now are able to tap those funds when they are needed most," said Schwab Charitable President Kim Wright-Violich. "It demonstrates how donor advised funds can help people go beyond 'checkbook charity' and become more strategic citizen philanthropists."

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