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• well said

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• "It IS the member" says it all... BUT if we are going to walk like a duck, quack like a duck, swim like a duck THEN we sure as hell better BE A DUCK when it comes to living the integrity and commitment to be a duck when it comes to core member VALUE and be in-sync with what ducks think is tolerable limits for compensation and community investment. Sharon Conser, Director Portland Teacher's Credit Union

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• So, Coach Callahan & Bucky, why didn't you propose any solutions to the challenge of using subjective optinions on what the members want? "It's in the numbers, stupid!" ;) The quantifiable results of scientifically based member surveys or geocoding member demographic information (which ought to be stored in your data system) are both cost effective, highly objective and easy to understand ways of defining that the members want. Nope, I didn't learn this in examiner school when I worked for you at NCUA. I learned it by listening carefully to paid, professional CU staff and reading, reading, and more reading everything I could find about credit unions outside of the NCUA manuals, letters to CUs & GC opinions. I wish the NCUA directives to directors started out with this sentence: "Remember there is no I in Member." Carolyn Warden, CCUE

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