The services and amenities at the Gadson Garden Estates are unmatched among similar housing developments in Southern California, with one important exception: The Universal Healthcare Trust Fund, which is a proprietary and actuarial investment program designed for the benefit of all occupants of the Gadson Garden Estates facilities. The principal purpose for the trust fund is to provide a cash-surrender amount to be distributed to all occupants of the development. For example, at the termination of a stay at the facilities, occupants will be granted a cash-surrender award that, in most cases, will be greater than the total amount of rents paid during their stay at the facility.