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and lots of them live in rented homes which creates of course lots of problem for their countries and the counties and the places where they live in if they are subject to death and their families have no place to go and then the welfare has to take over and so on and so forth it will be a big burden on the community if it was not catered for to own their own homes their own cars then own businesses and finance students and all these things which which all contribute to the stability of the communities and also to the feeling of belonging to that area and to that place the especially when it is regarding the ownership of homes prophet muhammad sallallahu selim said cereth on Masada till morrow there are three things which are considered to be sources of happiness for for a person and he mentioned one of them is the spacious house al manzil iwasa you know the spacious house is considered the source of happiness you can you can accommodate your family as they enlarge and extend and you your if you have other you know collection of books or games or what have you or so it is source of happiness for people and also sense of belonging and neighborhood and so on and so forth so from this point of view I cannot emphasize more the importance of retail banking and the institutions financials or otherwise that cater to this need and I can share with you and you know international example like HSBC for example amanha finance when they started in the beginning they were catering to the Islamic banking communities internationally and however gradually they found out that catering to the retail community is much more you know helpful to the communities and also profitable there are lots of gains and and profits and business endeavors to be done and financing and this is why now it is expanding in its retail business worldwide everywhere whether it is in Malaysia or the Gulf or it's trying also to do that in UK and Europe and several programs have been initiated and started in UK for home finance and others so our esteemed mandarin-speaking moderator tells me that there is two minutes but in English not in Mandarin so I will stop here thank you very much all right now we're going to invite Reverend Lindsey King to share his words of wisdom I bring this in case I forget what I want to say okay I'll just lay that beside you there so beyond the edge i just want to refer to it well how shall i refer to this wonderful gathering here this morning shall i call you friends of God I haven't looked up the the eastern the Arabic word for friend yet what is the what is the Artic word for friend studied eh eh eh SI que si di q cydia Alexa d ah oh very good like the name of prophecy very good very good what about servants of God that's a good term now I know that one Abdullah that's right Abdullah so I I greet you as friends of God and as servants of God and i want to bring you the greetings of the moderator how many of you know who is the moderator if you don't pass this when I'm not gonna let you into heaven how many of you know who is the moderate current moderator of the United Church of Canada how many zero make a note of that it's the lady over the years we've had many men as moderators and many clergy was traditional at one time to just to have the clergy but in recent years we've had laypeople one is a dr. McClure by the way who became world famous because he gave up a lucrative as a servant of God surgical practice which he could have had here in Toronto or Montreal and went off to serve in the Far East dr. Robert McClure and I had a movie actually about his life in a play about his life and I've had the privilege of sitting beside him on several occasions when he was moderator of the Church the current moderator is Marty Tyndall pind al and I want you to also to bring you greetings from and make a note of this the United Church of Canada United Church observer calm and look at them look at the major article on this this month's magazine is overpopulation more tiny footsteps equal a bigger collective footprint how many people can our planet sustained yes we are interested in what happens not only in faith but in ethics and justice and living yes and even economics that's what I want to the words that I want to bring you aware of this morning and one of our pastoral theology teachers at Pine Hill you mentioned pine hill and Halifax is part by the way of the Atlantic school of theology and it's not United Church it's anglican United Church Roman Catholic and any denomination can attend so it's a very open ecumenical approach to religion one of the one of our teachers said when you when you preach have a copy of the Bible in one hand and the media in the other whoops that's okay nothing on there I that I can't remember the the media in others Sookie and this is why I've always been interested in the media thank you very much so I bring you greetings today in in the name of a church and I hope to meet other Christians in this group of already met some and our blessings of God and the message of Jesus and the inspiration of the Holy Spirit be with all of us today yes incidentally I tend to go on so tap me when I'm gone too much over time friends of God weird symbols stories I love stories books this is the words lead to books and books and stories lead to the pounding of people and communities and this is why we have this great book the Quran and I'm happy to say that one part of my family farrah is from the great city of Tehran and we have had many chats about what the meaning of the Quran is all about and we have a delightful time together and I I'm glad my son chose her and I have three wonderful grandchildren with those wonderful genes from the Far East in the Middle East and I and I hope that it will redound for good and glory and my oldest granddaughter is currently finishing a degree in political economics political science and I hope some inspiration from her granddad will lead her to take that over into politics and into community service as well Abraham father of a people Sarah Prince's my second daughter is named Sahar which i think is the Arabic version of sarah is that correct Sahar similar we use Sarah as well youyou Sarah's well she uses Sahar so she has to be different she's one of these different types so how does he don't die but he don't so Abraham was a friend of God and incidentally the word friend this is very interesting I love that going back into the root meaning of work the word friend comes directly from the anglo-saxon free on FR e 0 ND and is no doubt related to the word freedom and free and at me it is that it is the present parcel for love when someone says they are your friend they are saying i am loving and love is not just an itchy feeling around your heart that you can't scratch