On the deck of a luxury ocean liner bound for the Philippines, amid the glow of an orange sunset, Sister Cecilia, a Filipino Carmelite nun, and Lloyd, a Swiss banker, were conversing over tea.

Lloyd — Sister, I want you to teach me how to give. I have so much but I have never given because I don't know how and what to give. I'm not talking of handouts to beggars or donations to large charity foundations. I mean, really giving from the heart.

Sr. Cecilia — You sound so naïve for a banker. They are everywhere, the people you can give to.

Lloyd — Let me see. I see a waiter giving coffee to a lady. I see a child playing with her doll. They don't need help.

Sr. Cecilia — I see what you mean. You want to give to those in real dire need. Okay, let me walk you through. Hold my hand. (He hesitates). Oh, come on, Lloyd. (He holds her hand.) Close your eyes. Repeat after me. Dearest Lord, may we ask you a small favor, please. Give me and Lloyd the opportunity to give to people who are really in need. Rend our hearts that we may do this to serve you. Amen.

Lloyd — That's it? So short a prayer.

Sr. Cecilia —The length does not matter. Do you believe in God and in praying to him?

Lloyd — I am a devout Catholic, sister.

Sr. Cecilia — Did you mean what you prayed? Do you believe God will help us.

Lloyd — Yes, to both.

Sr. Cecilia — Then let's see what happens. Stay close to me when we arrive at the Cebu City harbor. Remember, God will help us if we believe he will. Let's see what God has in store for us.

Lloyd —I believe he will help us.