Good morning. My name is Carol Gilchrist and I have been a parishioner at All Saints’ since 1976.  When I was asked to give this brief talk, I began thinking about when and where I first was made aware of the need to give to one’s church.  When I was in kindergarten we moved to a neighborhood in Rochester, New York with a Catholic parish and grade school at the end of our street.  My mother was Catholic, my father was not.  I was enrolled in the school as was my sister a few years later.  I remember money was tight.  One fun memory that always stuck with me is when my parents would be gathering coins to amass 40 cents to buy a quart bottle of beer to share.  So, yes, money was tight. However, I also remember that when we went to church every Sunday and holy day, my mother ALWAYS had her envelope to put in the collection plate.