PALS = Play & Labor Squad STARS = Seniors Together At Retirement XYZ = Extra Years of Zest OWLS = Older but Wiser LutheranS JOY = Just Older Youth YAHS = Young At Heart Seniors YIN = Young In Heart CYA Later = Christian Young Adults Later in life Not under 40 Trinity Travelers Luther Club Friday (or whatever day) Fellowship Golden Youth Elderberries