determine your relationship with God, but it does determine to a great extent the degree to which God can bless you. Not too long ago I heard about a young woman who was very angry that a bank had not given her a loan that she desired. “I need that money to pay my bills,” she said. “If I go into default on my house and car, it’s the bank’s fault.” She refused to accept the fact that she had terrible credit and was too great a risk for the bank. Her lack of funds wasn’t the bank’s fault. It was the