Inspirational quote: A bank is a place where they lend you an umbrella in fair weather and ask for it back when it begins to rain. Credit unions are Member-owned financial cooperatives in the business of people helping people.
- large wine glasses - tea light inserts - tea lights - sand - seashells First fill the glass about full with sand. Arrange the seashells onto the sand as you please. Place the tea light in the insert and then hang on to the glass rim.