RI religious leaders blame Trump, Gingrich for vandalism at local mosque


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kingston mosque vigilDuring an interfaith vigil for peace on Saturday, Rhode Island religious leaders implicitly and explicitly blamed Donald Trump, Newt Gingrich and the Republican rhetoric opposing religious freedom on the national political stage for vandalism that happened at a mosque in Kingston, Rhode Island on Thursday night.

“In one sense this incident is an isolated incident,” Rev. Don Anderson, the executive director of the Rhode Island Council of Churches who organized the vigil, told the crowd of well more than 100 people who came to be with the members of the Masjid al Hoda mosque Saturday.

“But we also need to understand that this happened in a context,” Anderson continued. “It took place in a context where there is irresponsible, hateful speech in our country. It is being applauded by many of our fellow citizens and it demands that we make a statement and stand up together.”

The isolated incident in question was an attack on the Muslim Community Center of Kingston, near the University of Rhode Island campus, Thursday night. A vandal broke windows in the mosque and spray painted “Muhammad prophet of butchers” on an outside wall. The context is Trump and other prominent Republicans who foment religious persecution by calling for new rules and regulations to monitor Muslims in America.

“When someone says that all Muslims should be banned from American shores, even temporarily, it hurts us all,” Anderson said. “When someone suggests that unconstitutional, anti-American suggestion that every American Muslim has to take a faith test, that is absolutely and positively wrong and we must stand together and acknowledge that and help people to understand that we don’t believe that. We do not believe that is the America that we want to live in. and we need to say that long and loud.”

Trump, the Republican nominee for president, has called for Muslims to be temporarily prevented from entering the United States. Gingrich, on Friday, said Muslim Americans should be subject to deportation based on a faith test. While Anderson didn’t name Trump or Gingrich specifically, other religious leaders did.

“The hatred and the animosity that is being spewed by … I can’t even describe them as leaders,” said a dismayed Iman Farid Ansari, a well-respected leader in the local Muslim community. “For Newt Gingrich to even suggest that there’s a test… What is it about freedom of religion that he doesn’t understand?”

kingston mosque vigil2Ansari put US Attorney Peter Neronha, who also spoke at the vigil, on the spot about Gingrich’s call for a religious test for Muslim Americans, an idea that was widely panned as both unconstitutional and un-American. “Our US Attorney is here,” Ansari said, motioning to Neronha, who was seated nearby. “Don’t you think it’s against the constitution? I think it is.” Neronha laughed along with the crowd, but didn’t otherwise offer a legal opinion.

Neronha’s office sometimes investigates vandalism against religious institutions. He said they are helping South Kingstown Police investigate the Kingston incident. About a similar hate crime against a Muslim school in West Warwick two years ago, Neronha said, “We’re still working on the incident at the Islamic school and there is promise in that investigation. I’m convinced we will bring that person to justice.”

Neither Neronha nor Congressman Jim Langevin followed the theme of putting some blame for local violence on national political figures. Of the three secular speakers at Saturday’s event, University of Rhode Island President David Dooley came closest to putting the local incident into a global perspective.

“It does seem, and in real ways it is true, that we face unprecedented times,” Dooley said. “The challenges, the diversity of those challenges, the magnitude of those challenges, is perhaps greater than it has ever been. But I think we can take some comfort, at least I hope we can, in the recognition that in many respects the hatred that we fight today has long been with us, and we have defeated it in the past.”

While the secular speakers shied away from being overtly political, the religious leaders did not. A Muslim, a Christian and a Jew each parsed the vandalism against the Kingston mosque as a symptom of the national dialogue.

“To think that a man running for president could promote and exacerbate policies of hatred, fear and suspicion is just simply unbelievable for all of us,” said Rabbi Howard Voss-Altman.

He implored people to follow the example of Supreme Court Justice Ruth Bader Ginsburg, who denounced Donald Trump earlier this week in spite of the tradition that justices remain apolitical.

“Don’t be shy,” Voss-Altman said. “Stand up, speak out. We will stand together to oppose hatred, and division, and fear. We do so today, we do so tomorrow, we do so on November 8 and then we continue to do so.”

ACLU and religious groups denounce xenophobia, welcome Syrian refugees


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The Rhode Island State Council of Churches, the RI Council for Muslim Advancement, the Board of Rabbis of Greater Rhode Island and the American Civil Liberties Union of Rhode Island today issued this open letter to Governor Gina Raimondo, following her comments yesterday that the controversy surrounding the resettlement of Syrian refugees in Rhode Island was “much ado about nothing”:

Dear Governor Raimondo:

As the rhetoric and vitriol surrounding the issue of resettling Syrian refugees in Rhode Island increase, we urge you to demonstrate leadership on this critical humanitarian issue by firmly and publicly denouncing the rising xenophobia we are witnessing.

Yesterday you were quoted as calling it “much ado about nothing,” and saying that you would “take a look at it” if asked by the federal government to help with resettlement. Respectfully, when other public officials in the state are protesting efforts to welcome any Syrian refugees in Rhode Island by holding public rallies and calling for the internment of any refugees that do arrive here, this is anything but a non-issue. Nor is it something to be blithely ignored for now, and only looked at sometime in the indefinite future.

We believe that it is time for you, as Governor of a state that has welcomed immigrants and refugees from its founding, to forcefully affirm the view – in the same manner as some of your Gubernatorial colleagues elsewhere around the country have done – that Rhode Island is prepared to welcome immigrants and refugees fleeing violence from Syria, and that you reject fear-mongering that undermines our state’s strong commitment to non-discrimination against people because of their ethnicity or religious beliefs. To ignore these troubling strains of prejudice is to only give them force.

Sincerely,

Rev. Dr. Don Anderson, Executive Minister
Rhode Island State Council of Churches
100 Niantic Avenue, Suite 101
Providence, RI  02907

Imam Farid Ansari
President
Rhode Island Council for Muslim Advancement
P.O. Box 40535
Providence, RI 02940

Rabbi Sarah Mack
President
Board of Rabbis of Greater Rhode Island
70 Orchard Ave.
Providence, RI 02906

Steven Brown, Executive Director
American Civil Liberties Union of Rhode Island
128 Dorrance Street, Suite 220
Providence, RI  02903

Obama joins chorus calling for payday loan reform

obama payday loan
President Obama speaking out against payday loans in Birmingham, Alabama.

Look around any impoverished neighborhood in Rhode Island and you’ll easily find a neon sign above a storefront offering a payday loan. This is what legalized loan sharking looks like.

Such stores have sprung up all over the poorest parts of Rhode Island since the legislature passed an exemption to state usury laws in 2001. Payday loans are illegal in every other New England state. But where they are legalize, they are extremely popular – there are more payday loan stores in the United States than McDonalds, Home Depots and Walmarts combined.

Inside these stores, desperate poor people with few other options – and certainly none so neon and readily found – buy quick cash in exchange for usuriously high interest rates. In Rhode Island, the General Assembly allows payday lenders to charge up to 260 percent annual interest while every other type of lending is capped at 36 percent.

Only 2 percent of payday loans get paid back on time, and in Rhode Island the average borrower will need 8 additional payday loans to pay the first one off. Those who turn to payday lenders are twice as likely to eventually file for bankruptcy.

The Rhode Island Coalition for Payday Lending Reform, led by community activists Margaux Morrisseau and Rev. Don Anderson, has waged a high profile campaign to reform predatory payday loans in recent years and a 2012 Public Policy Polling survey found that three-fourths of Rhode Islanders want them reformed.

Providence Mayor Angel Taveras and Treasurer Gina Raimondo at a recent panel on payday loan reform, an issue they both supported.
2012 press conference on payday lending reform.

Governor Gina Raimondo has been a strong advocate.

“She believes we need to protect Rhode Islanders from predatory lending practices, and supports developing alternatives to create access to fair, responsible, low cost alternatives for borrowing,” said Raimondo spokeswoman Marie Aberger yesterday in an email.

Raimondo was more blunt at a 2012 press conference. “It’s a predatory product,” she said then. “People need to know about the dangers of payday lending so they can take care of themselves. Everyone needs a loan once in a while and you ought to be able to do it in a way that is safe and reliable and doesn’t trap you.”

Despite bipartisan support from 80 legislators in both legislative chambers, House Speaker Nick Mattiello won’t allow the General Assembly to vote on the bill. His personal friend and poltiical ally, former Speaker Bill Murphy, is a paid lobbyist for the payday loan industry. It’s really that simple. Two powerful people, Mattiello and Murphy, are preventing the people of Rhode Island from ending this predatory practice.

But as of yesterday Mattiello and Murphy, nominally Democrats, have yet another adversary in their quest to defend payday lenders instead of impoverished Rhode Islanders. President Barack Obama joined the chorus against this predatory practice yesterday in announcing the Consumer Financial Protection Bureau will increase federal regulations of payday lending.

Speaking in Birmingham, Obama said, “You’ve got some very conservative folks here in Alabama who are reading their Bibles and saying, ‘well that ain’t right.’ The Bible’s not wild about someone charging $1,000 worth of interest on a $500 loan.”

Payday loan reform is also a bipartisan issue here in Rhode Island. House Minority Leader Brian Newberry is a lead sponsor of the reform bill and yesterday new GOP executive director Luis Vargas tweeted, “horrible, horrible businesses that prey on those in poverty. We definitely need to get rid of payday lenders.”

Obama said reforming payday loans is part of his middle class economy agenda. “One of the main ways we can make sure paychecks go farther is to make sure working families don’t get ripped off,” he said.

The CFPB proposes to limit the number of consecutive payday loans and require some credit verifications. But these protections aren’t air tight, according to a press release from the RI Coalition for Payday Lending Reform.

The proposal unveiled today by the Consumer Financial Protection Bureau takes an important step toward reining in a wide range of abusive lending products but also includes a gaping loophole that in essence puts a government stamp of approval on unaffordable back-to-back loans with interest rates that average near 400 percent. The RI Coalition for Payday Lending Reform urged the CFPB and Director Cordray to reconsider and leave this loophole out of the rule.

The proposed affordability standard, which is smart, fair and flexible, would require small-dollar lenders to do business the same way we expect responsible banks and mortgage lenders to – by making good loans.

If adopted, this simple change would end the cycle of debt that is the business model of payday lending, where 75 percent of all fees are generated from borrowers who take out more than 10 loans a year.   It would strengthen access to good credit for consumers who need it and give responsible lenders a fighting chance to compete, thrive and profit in a fair environment.

But sanctioning even one abusive loan, let alone six, will keep responsible lenders out of the marketplace and open the door to the kinds of creative manipulation of the rules that payday lenders have a history of using to exploit loopholes and continue business as usual.

After all, these are the same people who managed to circumvent the Department of Defense’s efforts to cap loan rates to members of the military by, for example, making loans for three months and a day to get around rules governing three-month loans.

Along similar lines, in Ohio, when payday lenders became subject to a rate cap the lenders simply changed their names, calling themselves mortgage lenders to skirt new rules.

As the Bureau moves forward to protect consumers, The RI Coalition hopes that it removes the “look-the-other-way,” standard for the first six loans and applies a strong affordability standard to the first loan and to every loan.

Only with consistent, airtight standards that require loans to be affordable will protections work to stop debt trap lending, keep hard-working Americans from being lured into financial quicksand, and maintain and grow a strong, responsible, low-dollar loan market.

At the same time, states must continue their work to enact and enforce what the Consumer Financial Protection Bureau cannot –rate caps that end usury once and for all.

The CFPB can’t change the interest rates states set for payday loans. In Rhode Island, it seems only Mattiello and Murphy can do that.

A vigil for the 2nd anniversary of Sandy Hook in Providence


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Jerry Belair
Jerry Belair

On Thursday night the Rhode Island Coalition Against Gun Violence and the Religious Coalition for a Violence-Free Rhode Island held its second annual Sandy Hook memorial and vigil, A Voice for Victims, at the First Unitarian Church of Providence. In addition to speakers such as Lisa Pagano, Wendy Bowen and Gladys Brown, who have all lost families and friends to gun violence, speakers included Providence mayor-elect Jorge Elorza, Central Falls Mayor James Diossa, Providence Commissioner of Public Safety Steven Paré, Rabbi Sarah Mack of the Greater Rhode Island Board of Rabbis and the Reverend Don Anderson, of the Rhode Island State Council of Churches.

Sarah Mack
“All human lives are holy…” Rabbi Sarah Mack

The 250 attendees was about double the number who attended last year’s No More Silence vigil. The program ran a little long at 75 minutes, and was heavy on political, religious and law enforcement speakers. The most moving talks were given by those who lives were impacted by gun violence, those who lost loved ones and whose worlds were turned upside down in the time it takes for a trigger to be squeezed.

Coalition President Jerry Belair emceed the event, noting that this was just one of 197 similar events taking place across the country. Belair said that there have been 99 new gun laws passed in 37 states, adding that, “Massachusetts has the lowest gun death rate in the nation because they passed common sense gun control laws that work.”

Lisa Pagano is the executive director of the Lt. Jim Pagano Foundation.  Jim Pagano was shot by his next door neighbor in Cranston, after an argument over an errant tennis ball. The neighbor was upset that the children playing outside during a birthday party allowed the tennis ball to hit his car while they were playing. “What could have been a simple neighborhood dispute,” said Lisa Pagano, “turned deadly because a gun was in the wrong hands.”

“I will never forget that fateful afternoon,” said Gladys Brown, whose son Michael was shot in 2009 at the age of 33, leaving behind two children, “when two Pawtucket police detectives knocked on my door with the most shocking and heartbreaking news a mother could bear…”

Wendy Bowen was a teacher at a Newtown Middle School when a gunman killed 20 students and six teachers next door at Sandy Hook Elementary. She was in lock down with her class, the majority being regular students with some mainstreamed special needs students mixed in, communicating by text message with the outside world as sirens and helicopters filled the air. “Along the way I learned from my sister that the principal of Sandy Hook, a colleague and friend that I knew well, had died along with many children. This was hard for me to hear and not cry, but I could not fall apart in front of my students…”

Providence Public Safety Commissioner Steven Paré spoke briefly about passing wise laws that make it more difficult for guns to get into the wrong hands.

Here’s the full video from the event:

Correction: An earlier version of this piece mistakenly implied that the entirety of Wendy Bowen’s class was special needs students. This has been corrected.



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RI Council of Churches applauds Boy Scouts

Rhode Island State Council of Churches released a statement today regarding the Boy Scouts of America’s recent decision to allow openly gay scouts to join and participate in the organization:

RISCCResponse to BSA Statement on Gender of Scouts and Leaders

The Rhode Island State Council of Churches applauds the direction taken by the Boy Scouts of America in welcoming openly gay scouts into its ranks. This change in policy moves the BSA in a more inclusive direction, offering their programs to youth without regard to sexual orientation.

We are, however, disappointed that this change did not remove the ban on gay leaders. In the spirit of our recent statement on Marriage Equality, the Council would support a policy that allows each sponsoring agency to make its own determination on the sexual orientation of leaders within their jurisdiction. This would provide adequate protection for those religious bodies that would prefer to maintain the current ban, but also allow others to express their religious convictions by appointing leaders who are gay.

The Rhode Island State Council of Churches has maintained a consistent relationship with the Narragansett Council since the RISCC’s founding in 1937 by providing and supervising the Protestant chaplain at Camp Yawgoog. “As a former scout and a current member of the Executive Board of the Narragansett Council, I am very pleased with the direction of this change in policy and will continue to work within Scouting to encourage a more inclusive policy regarding leadership,” stated the Executive Minister, the Rev. Dr. Don Anderson. Mr. Anderson went on to say that “The BSA can move to a more open policy regarding the sexual orientation of leadership without infringing on anyone’s religious convictions.”

Rev. Don Anderson: payday loans are an ‘evil’ product


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The reality is that [a payday loan] targets people at their most vulnerable. It’s reckless lending. This product at its core is evil.

Gina 2
General Treasurer Gina Raimondo

Tara Roche 2 So said the Reverend Don Anderson, who co-chairs the Rhode Island Coalition for Payday Lending Reform along with Margeaux Morrison, director at NeighborWorks Blackstone River Valley. Anderson said this at the end of an information filled press conference held yesterday at the Center for Women and Enterprise that featured General Treasurer and putative candidate for governor Gina Raimondo.

All the speakers at the conference made no secret of the fact that in their view payday loans, with current interest rates as high as 260% or more, are harming our state by targeting the poorest members of our community.

Gina Raimondo, to her credit, has taken a very strong, proactive stand against payday loans, saying, “Rhode Island is trying to grow, there is no place for predatory lending, period. Full stop.” Raimondo went on to compare payday lending to the bank practices that triggered the 2009 financial collapse, and said that if the payday lending companies in Rhode Island determine that they cannot sustain their business at a 36% interest rate then, “Fine. Let them go. We don’t need them in Rhode Island.”

Treasurer Raimondo reached out to Navigant Credit Union to try and develop some alternatives to the usurious payday loans and Fred Reinhardt, chief lending officer of Navigant, was on hand to explain what they developed in response. The timing of the treasurer’s request was good, said Reinhardt, because Navigant was starting to see the electronic debits that payday lenders were hitting customer checking accounts with and even saw some of their own employees becoming victims to predatory loans.

In response, Navigant has developed a $200-$600 loan product that can be paid off over thirteen weeks and requires no credit checks. Unlike payday loan companies, Navigant reports the loans to credit bureaus, something payday loaners do only when the customer is in default, preventing customers from establishing better credit.

Reinhardt finds that a lot of the customers coming in for the new program are doing so in an effort to pay off and get out of the payday loan debts they already have. This new loan program is not a money maker for Navigant, but it’s not being run at a loss either. Reinhardt sees this as a way of serving a need in the community.

Jacky Beshar, Groov-Pin Vice President
Jacky Beshar, Groov-Pin Vice President

Jacky Beshar, Vice President of Groov-Pin, a manufacturer in Smithfield that makes pins and such, knows that many of her employees are only “two paychecks away from trouble. It happens and awful lot.” She sees financial education as a partial solution to the issue, pointing out that financial hardship is as likely to sink a family’s fortunes as a serious health issue. Her company worked with the Capital Good Fund to provide free financial education to those of her employees who want it, and works to help her employees avoid the need for payday loans.

Christopher Lefebvre, a consumer bankruptcy attorney, finds that many people are financially illiterate, whether they are white collar doctors or blue collar workers and many become overwhelmed by debt and seek bankruptcy relief. Payday loans are the “final domino” that brings these people into bankruptcy.

Having dealt with many people Lefebvre is very aware of the collection practices of payday lenders, which he describes as “ruthless.” He has yet to see a client who has had a positive experience with payday loans.

Tara Roche, Pew Charitable Trust
Tara Roche, Pew Charitable Trust

As Don Anderson pointed out at the conclusion of the presentation, the effort to reform payday loans is different this year because “we now have third party data that shows the claims of payday loan companies are a bunch of baloney.” Statistical evidence gathered by Tara Roche, a consumer finance researcher for the Pew Charitable Trust was presented at the conference.

Roche presented data from two recent Pew polls, one conducted in July 2012 and the other in February of this year. Though payday lenders claim that their customers use payday loans for short term emergencies, Pew’s research indicates that 70% of these loans are taken to cover recurring expenses like rent, bills and food. Using payday loans in this way does nothing to get at the customer’s underlying economic difficulties, and payday loans too commonly become traps that burden customers with additional and unnecessary debt.

Other things Pew revealed that payday loan companies are loathe to admit are that, on average, borrowers remain indebted for five months and seldom pay off the loan inside of two weeks. Further, two thirds of borrowers want changes in payday loan legislation. They realize they are getting a terrible deal.

Despite this mountain of evidence, word is that Speaker of the House Gordon Fox is still somehow undecided on whether or not to support H5019, Frank Ferri’s bill to reform payday loans. Fox, who is my representative, replied to an email I sent saying simply that he will keep my thoughts in mind as he reviews the testimony given at a recent hearing. One wonders what he’s waiting to hear.

When I called his office on Tuesday the woman answering the phone told me he was getting a lot of calls on the issue. I found out today that his office received over a hundred calls yesterday.

Will Fox budge on this issue? Payday loans target our poorest communities, and the Hispanic community and people of color are more often victims of this deceptive, dangerous and let’s face it, evil practice. Representative Fox needs to find it within himself to stand up for these communities.

Don Anderson: Let There Be Payday Loan Reform


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Reverend Don Anderson

Rev. Don Anderson, president of the Rhode Island Council of Churches, says there are religious reasons for supporting payday loan reform.

“In every religious tradition, the concept of usury is addressed,” Anderson said, at an State House event last week to call attention to payday loan reform.

[vsw id=”vFkKA30fHYM” source=”youtube” width=”525″ height=”344″ autoplay=”no”]

Anderson, who is also an important advocate for tax equity legislation, added, “Concern for the poor transcends all faiths.”

The Bible has many – or unethically high interest rates. But one not need to read scripture to understand why payday loan shops like Advance America are preying on the poor.

Annual interest rates can be as high as 260 percent, and customers are sometimes cajoled into thinking it will be easier to pay back than is realistic. Rhode Island is the only state in New England to allow predatory payday loans.

A recent Pew report concluded that payday loans “fail to work as advertised” and most people who use them have other options that they often use to get themselves out of the payday loan debt spiral.

 

RIers, Church Council Support Marriage Equality


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Reverend Don Anderson

A new poll released today shows that Rhode Islanders overwhelmingly support marriage equality with almost 60 percent of the state in favor of same sex marriage.

“…voters in the state strongly support legalizing gay marriage- 57% support it to 36% who are opposed,” according to a summary of the poll results. “When we polled the state on this issue in February 2011 there was 50/41 support for it, and the 12 point increase in the margin in favor of same sex marriage reflects the national movement on this issue over the last few years.”

Said Ray Sullivan, campaign director for Rhode Islanders United for Marriage, of the positive new poll numbers:

“The poll released today by Public Policy Polling finding 57 percent of Rhode Islanders want to extend the unique protection and recognition of marriage to all Ocean State families mirrors the strong support our grassroots campaign has been hearing for months now. Support for marriage equality is strong and growing every day, as we tell the stories of our friends and neighbors who are unfairly unable to access the rights and benefits marriage bestows. Our broad coalition of organizations supporting equality looks forward to continuing to tell those stories and fight for all Rhode Island families.”

However … the other news of the day on marriage equality is that the conservative scare tactic is true: Rhode Island’s marriage laws are affecting some religion’s ability to practice how they want to. It’s just true in the opposite way they want you to believe it’s true. Rev. Don Anderson, executive director of the Rhode Island State Council of Churches explains.

“While there is broad diversity within communities of faith on this issue, many traditions choose to welcome same-sex relationships to the covenant of marriage,” he said in a statement released today. “Under current law, those open and affirming traditions are unable to do so in Rhode Island. While No church or clergy would be required by this law to contradict the teachings of their particular faith, the State Council of Churches believes those congregations who wish to perform same-sex marriages should be able to do so. We believe this is an issue of tolerance and religious liberty.”

The state Council of Churches implored the General Assembly to get on board with the rest of the state and support same sex marriage. The House passed the bill last week (watch the video here) and Gov Chafee is eager to sign it into law. Public opinion polls show Rhode Islanders overwhelmingly support marriage equality. And the Providence Journal reported yesterday that even the socially conservative state Senate would be a close vote. Meaning, the fate of marriage equality in Rhode Island rests squarely on the shoulders of Senate President Teresa Paiva Weed.

Supporters are hoping she will be swayed by the more than 300 churches represented by the state Council who feel that is “an issue social justice, civil rights and conscience,” according to the press release.

“Their endorsement is an important recognition that many Rhode Island faith traditions welcome and affirm same-sex marriages,” said Sullivan.

Payday Loans, Poverty on Tap Today at State House


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The State House in November.

Payday loan reform legislation has one of the  most interesting coalitions at the State House; it includes the progressive community, the faith community and General Treasurer Gina Raimondo. This is because payday loans are bad for the state in general, poor people in particular and a net drain on our economy.

Today on Smith Hill, legislators will hear from the faith community on why predatory payday loans should be controlled as well as why legislators should do more to protect the most vulnerable residents of Rhode Island.

The vigil starts at 2:30 and the group will walk from from Gloria Dei Lutheran Church to the State House, where Rev. Don Anderson and Linda Watkins as well as Lt. Gov. Elizabeth Roberts will make speeches.

ProJo columnist Ed Fitzpatrick made a great point about this event in Saturday’s paper. He noted that Gov. Chafee and Bishop Tobin both had ample time over the busy holiday season to debate what monicker we give to an ornament at the State House and wonders if either will have time to show up for this interfaith vigil meant to focus lawmakers attention on poverty.

“Surely, if they feel so strongly about a symbol of the season, they can appreciate the symbolic power of uniting against poverty in a state with the nation’s second-highest unemployment rate (10.4 percent),” he wrote. “I mean, if they’re determined to take a principled stand, how about taking a stand against poverty on the very spot where that controversial tree stood?”

Here’s hoping they can both make it.