Table of Contents Approximately $8.5 million of operating lease obligations included in the table above are expected to be funded by sublessors under existing sublease agreements. See Note 6, "Lease Commitments" to the audited consolidated financial statements included in Item 8 of this Annual Report on Form 10-K. Borrowings under our Credit Facility bear interest at a variable rate, based on LIBOR or a Base Rate, in either case plus an applicable margin. The Credit Facility defines LIBOR to encompass accepted alternative reference rates for certain currencies where a LIBOR rate is no longer quoted. Long-term debt refers to the required principal repayment at maturity of the Credit Facility, and may differ significantly from estimates, due to, among other things, actual amounts outstanding at maturity or any refinancings prior to such date. Interest amounts are based on projected borrowings under our Credit Facility and interest rates in effect on December 31, 2019, and the actual interest payments may differ significantly from estimates due to, among other things, changes in outstanding borrowings and prevailing interest rates in the future. At December 31, 2019, we had approximately $5.3 million of unrecognized income tax benefits related to uncertain tax positions. We cannot reasonably estimate when all of these unrecognized income tax benefits may be settled. We expect $1.2 million of reductions to unrecognized income tax benefits within the next 12 months as a result of projected resolutions of income tax uncertainties. Gross deferred income tax liabilities as of December 31, 2019 were approximately $60.4 million. This amount is not included in the contractual obligations table because we believe this presentation would not be meaningful. Deferred income tax liabilities are calculated based on temporary differences between the tax basis of assets and liabilities and their respective book basis, which will result in taxable amounts in future years when the liabilities are settled at their reported financial statement amounts. The results of these calculations do not have a direct connection with the amount of cash taxes to be paid in any future periods. As a result, we believe scheduling deferred income tax liabilities as payments due by period could be misleading, because this scheduling would not relate to liquidity needs. We sponsor a qualified defined benefit pension plan in the U.S., (the "U.S. Qualified Plan") three defined benefit plans in the U.K. (the "U.K. Plans"), and defined benefit pension plans in the Netherlands, Norway, Germany, and the Philippines (the "other international plans"). Future cash funding of our defined benefit pension plans will depend largely on future investment performance, interest rates, changes to mortality tables, and regulatory requirements. Effective December 31, 2002, we froze our U.S. Qualified Plan. The aggregate deficit in the funded status of the U.S. Plan and other international plans totaled $65.9 million and $74.3 million at the end of 2019 and 2018, respectively. The 2019 decrease in the unfunded deficit of our defined benefit pension plans primarily resulted from actuarial gains in the year. We made no contributions in 2019 to our U.S. Qualified Plan and $0.7 million to our U.K. Plans. In 2018, we made contributions of $19.0 million and $5.0 million to our U.S. Qualified Plan and U.K. Plans, respectively. The U.K. Plans were in a funded status totaling $35.0 million and $32.7 million at the end of 2019 and 2018, respectively, with the fair value of plan assets exceeding the projected benefit obligation. There was a $2.3 million decrease during 2019 in the net prepaid pension balances of the U.K. defined benefit plans. Defined Benefit Pension Funding and Cost Our frozen U.S. Qualified Plan was underfunded by $63.5 million at December 31, 2019 based on an accumulated benefit obligation of $440.5 million. Crawford expects to make discretionary contributions of $9.0 million per annum to the U.S. Qualified Plan for the next five years to improve the funded status of the plan and minimize future required contributions. We estimate that we will make the following annual minimum contributions over the next five years to our frozen U.S. Qualified Plan.  Year Ending December 31, Estimated U.S. Pension Funding (In thousands) 2020 $ 9,000 2021 9,000 2022 9,000 2023 9,000 2024 9,000 44