I was nine years old and the depression was still in full force. We came from Alabama and settled in Lancaster County, Pennsylvania in a little row home, which my father managed to rent. It was getting near Christmas and my dear dad had nothing to spend for Christmas for his five children ages 1 to 9. In desperation, he went to the bank to try to persuade them that he was a safe risk for a small loan. He explained his predicament, no job, no collateral, and 5 small children with Christmas approaching.