Friends, the sheer volume of fraud taking place in recent years throughout the world, and in America in particular, is staggering. I heard recently that the high end of federal estimates of the amount of money stolen per year in America is greater than the GDP of Vietnam, the Philippines, or Denmark. This is a real blight upon our society, made possible, at least in part, by religious disaffiliation. Since morality is grounded, ultimately, in God, one consequence of disaffiliation is an increase in moral drift, relativism, and indifference. If we want to protect the common good, we have to recover a moral integrity rooted in the Ten Commandments, the Beatitudes, and the parables of Jesus.