More than 340 credit union housing finance executives came together in Las Vegas for the 16th annual conference of the American Credit Union Mortgage Association on Sept. 24-27.

As a group they represent the heart of an industry which has attained an historic degree of success but which remains subject to an uncertain future that may be largely shaped by others' choices.

Here then are some of the thoughts on the minds of some of the executives attending the meeting at The Cosmopolitan of Las Vegas.

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