When a financial counselor sits next to a social worker on a long flight, some great ideas can be born. In November of 2005, that's just what happened. A critical need was discovered. Thousands of counselors, ministries, and social workers who wish to help families in financial crisis had too few resources to call upon. The helplines they had were regionally limited and tricky to find. There was a gap between need and help. Our goal was to close it.