time. The pastor or teacher may have extensive notes, yet just a word or two jotted down for application. Perhaps the speaker is trusting the Holy Spirit to give him the right words when he gets to that point in the message; or maybe he wants to be flexible and go the direction that seems right at the time. Whatever the reason, the applications often seem tacked on or inappropriate. For personal Bible study, this problem is merely a matter of not leaving enough time for taking the application steps.