99% Perspiration

Genius, said Thomas Alva Edison in an oft-quoted phrase, "is 1% inspiration and 99% perspiration." While this statement is probably correct, it still leaves open the question about the manner in which we need to perspire if we are to succeed. I am reminded of this critical choice as the planning season approaches for many credit unions. Working hard isn't going to guarantee survival, but working hard on the right projects will certainly increase one's chances.