Company (SFP) grew out of the realization that the funding of many government programs never reaches the population it is intended for due to intellectual and language barriers, as well as complex regulations and bureaucratic processes. The Benefit Bank concept places non-profit volunteers in accessible public settings where they can provide service to the homeless and needy, assisted by software and a call-center provided by SFP. Currently there are a number of states in the US providing this service and negotiations are underway with others. Ohio was the first to pay for this service and the ratio of cost to benefit for the state is extraordinary. During the time the Scarab, Global Community Impact Fund has loaned $1.8M for software and personnel development to SFP States have realized close to $1B in new benefits to their citizens and Scarab investors have enjoyed a 7% return after fees.