When a temple announced close to me a good friend and colleague, who donated tens of thousands of dollars every year to catholic church, and I were talking about it and the cost of building the temple. He asked me how much I was being asked to pay and how long the mortgage was going to be on the temple. He was stunned to find out that the temple had been paid for and a reserve for maintenance and upkeep was already in place before the announcement was even made. I don't think he EVER believed it even after the temple was completed.