We have forgotten how much we benefited from the generosity and sacrifice of those who went before us.  And now it is our turn to be generous, we who have been blessed, now it is our turn to return the favor, but we don’t want to. 
[prettyfilelink size=”” src=”https://philipgulley.com/wp-content/uploads/2014/10/Payback1.pdf” type=”pdf”]Payback1[/prettyfilelink]