Regarding the "fondo guardado", I'm not sure how it works at a circuit level but at least at a congregation level, whenever you hear "fondo guardado" it means excess money the congregations send to the branch so that it keeps it for them. In other words, it is placed in deposit with the branch office and you can withdraw from that fund if you ever need cash (don't ever expect any interest). Now, if that expression in Spanish means it will be send back to the Circuit Fund, I still think it is a misappropriation of funds because those brothers who sent their donations with the express purpose of building an assembly hall will never see their money being used accordingly. Besides, if it is returned to the circuit fund, I think most of us know who are the ones who will actually benefit from that money (repairs at the CO's apartment, new laptop or new IPad for the CO, expensive restaurants to take the Bethel speaker or some other big shots from the branch that pay a visit etc). Either way, the poor friends lose and "mother" wins...