My friend Andy ran into an acquaintance at the golf course who was soliciting donations for her charity. One of the things I admire about Andy is his generosity. When a homeless person asks for help, when a school or sports team has a fundraiser, he doesn’t hesitate to pull out his wallet. Another acquaintance had just contributed twenty dollars to the woman’s cause. On this day all Andy had were large bills and a couple singles. Figuring that something was better than no