Nevertheless, Bernard and his angels ensured that credit sales were extended to customers in good credit standing. Further, his team knows their customers, including who pays and when. Explains Bernard, we understand our customers-inside and out-including cash payment patterns that allow them to esti-mate uncollectibles and minimize bad debts. Bernard points out, however, that “we use the money for good works and to support monks who dedicate their lives to serving God and neighbor.”