A recent study by the Bureau of Labor Statistics revealed that Americans in the lowest income bracket give the most to charity in proportion to their income, donating about 4.3%, compared to the 2% to 3% of all other income brackets. Several explanations have been proposed for this phenomenon. For one thing, poor people are the most likely to interact with people who need money. They are more grateful with what they have and are less concerned about the uncertainly of economic downturns because they are used to poverty. Also, they are more likely to be church-goers who generally give more to religious and secular charities. Experts also note that the poor’s giving may be even greater than statistics show because informal giving, such as providing a service or giving small amounts of cash are not tax deductable and remittances sent to family members abroad are difficult to calculate.