Today while Pastor Ruttan is on his final day of Study Leave, our service is led by Jeff Walther, an active part of our Westminster Church family. People and families in our church, our community and across the country are about to experience one of the most difficult financial climates in many years. Local organizations such as the Food Bank and Christmas Cheer as well as international charities such as World Vision and The Red Cross are already warning of empty shelves and hungry children. As Christians, what should our response to this situation be? Knowing that “God loves a cheerful giver” but realizing that we are all limited to how much we can do to help the situation, what can we do to help? This Sunday we will look at the “ripple effect” that becomes the tidal wave of love when we all give, serve and encourage in the name of Jesus Christ. Our music leadership will be by Nena LaMarre. We will sing, pray, be encouraged and encourage others. There will be nursery care, Sunday School and fellowship time.