Compass Asia Pacific has recently concluded a three-day retreat in Manila, Philippines from 15-18 October. National directors from the region including South Korea, China, Singapore, Australia, and the Philippines gathered to strengthen relationships, share updates and discuss best practices in ministry. James Sim from Singapore, the director of Compass Asia Pacific hosted the program. One of the highlights of the event was the arrival of Howard Dayton himself. Having the founder of Compass - finances God's way, and author of the Compass books and other publications was indeed a moment to celebrate. Flying from Florida, USA, he was warmly welcomed by all those who came for the retreat. Leo Kuiper of Compass Netherlands also flew a long distance to be there and  provided an overview of the ‘Debt Free Coaching’ course they currently offer in the Netherlands. Leo also explained that financial problems are just the tip of the iceberg. According to Leo, “Money cannot solve financial problems. The root of financial problems in people’s lives is their lack of a personal relationship with God.” Throughout the retreat, each National Director discussed and gave a brief overview of the various impacts and causes of debt in people’s lives, the debt…