Anne Ratner Through the years, I had many conversations with my father-in-law, Isaac Ratner. He told me when people walked up to our factory and asked for help, he never turned anyone down. He was afraid that the one person he might refuse would be the one who was in the most dire straits and needed his help the most. I always believed that this was a beautiful way of expressing a philosophy of giving. Since then, my family has been inspired to follow this advice. Each generation builds upon the other, trusting that our heirs will continue these traditions of giving and that our children and grandchildren will carry on. We are very thankful to the good Lord who has blessed us and enabled us to help those in need.