While the Missouri State Board of Embalmers and Funeral Directors’ Complaint against the Missouri Funeral Trust alleges the program has failed to maintain adequate records, documents and oversight, funeral directors want to know whether the trust is adequately funded.   Although the State Board raised issues with some contracts reported with zero deposit balances, the Complaint does not expressly assert that the Missouri Funeral Trust has failed to deposit consumer funds, or has improperly distributed consumer funds. Nor does the Complaint include any allegations of mismanagement of trust funds.  Funeral directors are left to wonder whether the MFT has serious problems or the State Board is being ultra critical.