“Everyone experiences grace, even if they don't realize it. It's kind of like Moby's music. You could ask your average sixty-something-year-old retired banker in Connecticut if he's ever heard of Moby and/or his music and the response you'd receive more than likely would be a resounding, “No—what's a Moby?” But if you say, “Remember that American Express commercial where Tiger Woods is putting around New York City? Remember the song playing? That was Moby.” “Oh, then, OK. I guess I have heard Moby,” our theoretical retired banker in New Canaan might say. “So … what exactly is a Moby?” That's like grace. Not that grace is a pretentious vegan techno-rocker, but you get the idea. Grace is everywhere, all around us, all of the time. We only need the ears to hear it and the eyes to see it.”