Despite problems the past year or so for charities from the Red Cross to theCatholic church, the head of one Iowa agency says donors have been generous.Forrest Harms, executive director for the Des Moines Area Religious Council,says since the council’s multi-denominational and recipients of its giftsdon’t have to belong to any specific church, he doesn’t see peoplewitholding charity because of anger at any one church. However, otherfactors may be hampering Iowans’ generous impulses. Donations are down thisyear due to the stock-market’s depression as many people look over their networth and conclude they don’t have the financial ability to give. So far hesays it’s been a good year for the council, but in this last week he doesn’tthink they’ll see the last-minute outpouring of giving they have in the lastthree to five years.