Little Johnny was walking down the beach, and he spied a matronly woman sitting under a beach umbrella on the sand. He walked up to her and asked, "Are you a Christian?"

"Yes." she replied.

"Do you read your Bible every day?"

She nodded her head, "Yes."

"Do you pray often?" Little Johnny asked  next, and again she answered, "Yes."

With that he asked his final question, "Will you hold my quarter while I go swimming?"