Credit Union Times Magazine October-19, 2005
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CRL Study Highlights Toll of Predatory Lending on Military
WASHINGTON - The consequences of payday lending on military personnel are well known, and now the Center for Responsible Lending has come out with an analysis that confirms, "military families are perfect targets for payday lenders." Among some of "Payday Lenders Target the Military, Evidence Lies in Industry's Own Data"...
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Coming Home: New Orleans FCU Employees Return to See Katrina's Wrath
NEW ORLEANS, La. - It was homecoming for Kathy Dionne, but there was no stadium, no football game, and no mum pinned to her chest. Outfitted in a plastic poncho, rubber boots, gloves and a cheap paper mask, she prepared herself for what she was about to see. For the...
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Banks Applaud Release of Basel Ia Proposal
WASHINGTON-The banking trade associations lauded the federal banking regulators for their recent unveiling of an advance notice of proposed rulemaking on Basel Ia. Basel Ia is the less complicated capital standards that will apply to smaller banks as Basel II is being updated for the largest institutions. NCUA has said...
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Advantis CU CEO Claims `Textbook' Merger, Members Informed Throughout
PORTLAND, Ore. - The Oregon public, witness to squabbles over credit union structure over the last year and a half, now can see how a classic merger is implemented, according to the president/CEO of the newly-combined Advantis CU. "I think we've done it right," said Ron Barrick, the head of...
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CUNA, NAFCU Suggest Tweaking of `Participation Interest' Definition in FASB Proposal
WASHINGTON - Both CUNA and NAFCU are pleased with the latest draft from the Financial Accounting Standards Board on its proposal regarding the treatment of loan participations, but both trade groups have suggested further tweaks. At issue is FASB's Accounting for Transfers of Financial Assets, which is an amendment of...
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Loan Servicing Firm Helping to Connect Hurricane-Affected CUs with Members, Make Loan Repayment Arrangement
ST. JOSEPH, Mo. - With residents of the Gulf region and businesses trying to recover from Hurricanes Katrina and Rita, one piece of that recovery effort for credit unions and other financial institutions is locating members -many of whom are displaced to other states - and reconnecting with them to...
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Hurricane Job Loss Not at Horrific as Initially Thought.Yet
WASHINGTON-When employment data came out for September, many observers were caught off-guard when losses were only around 35,000 following the two major hurricanes rather than several times that. "I think there was a surprise there," NAFCU Senior Economist Jeff Taylor remarked. Though unemployment rose from 4.9% to 5.1% last month,...
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NCUF Grant Boosting CU Housing Effort
BOULDER, Colo. - An ongoing project between a credit union and a local housing organization has received a boost in the form of a $150,000 grant from the National Credit Union Foundation. The grant will go to help support the work of the Alliance for the American Dream, the cooperative...
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New Law Helps N.C. Credit Unions Handle Power of Attorney
GREENSBORO, N.C. - North Carolina credit unions faced with powers of attorney should find the job a little easier since a new law took effect October 1. More and more of the state's financial institutions, uncertain about the validity of power of attorney documents they were presented, had shied away...
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SBA Grants Hurricane Relief Deferments, Urges Credit Unions, Other Lenders to do Same
WASHINGTON - As criticism swirls around the SBA on its disaster loan process, the agency has urged credit unions and other lenders to grant a 12-month repayment deferral. On Oct. 11, SBA Administrator Hector Barreto encouraged 7(a) participating lenders, 504 program Certified Development Companies and microlenders to provide deferment relief...
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For One Oregon Credit Union, Perseverance Serving the Poor is Key to Survival
EUGENE, Ore. - When prospective members walk into the lobby of the Oregon Urban and Rural Federal Credit Union, which goes by its initials O.U.R. FCU, it's unlikely they will have ever seen a bank or credit union lobby quite like it. But then, if the credit union has successfully...
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ACH Gives Bad Guys Another Fraud Tool
AUSTIN, Texas - ACH fraud is growing, as crooks discover a new way to trigger sham charges and hustle off with the money. That warning comes from Gregg Bennett, owner of Pivotal Financial Resources. As part of a series of Web-based training sessions, Bennett is alerting credit unions to the...
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Fight Between North Carolina Credit Union and Payday Lenders Gets Uglier, Aims For A Bigger Audience
WASHINGTON - The national payday loan industry appears to have taken its fight with Martin Eakes, the CEO of the $184 million Self-Help Credit Union, from being a legislative and regulatory argument at the state level to being the subject of an attack from a well-connected conservative think tank. Writing...
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CUNA: Taxation Issue May be Heating Up in Congress
WASHINGTON-CUNA's top lobbyist said that the trade association is witnessing background work being done for consideration of credit union taxation in Congress. "A number of factors are coming together," CUNA Senior Vice President John McKechnie explained. Mounting pressures on the federal budget exist on all sides, from the War on...
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Connecticut Governor Creates Identity Theft Advisory Board
HARTFORD, Conn. - Gov. M. Jodi Rell, concerned about the growing vulnerability of Connecticut residents to identity thieves and financial predators, signed an executive order designed to strengthen state laws and better protect the financial security of residents, businesses and financial institutions. The Executive Order No. 11 established the Governor's...
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Bankruptcy Trend Higher but No Surge for CUs
ARLINGTON, Va.-While bankruptcy filings have increased since President George W. Bush signed the Bankruptcy Abuse Prevention and Consumer Protection Act into law, credit unions have not experienced a real spike, according to one industry economist. NAFCU Senior Economist Jeff Taylor said that he certainly expects to see "a push up...
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Orange County `Adopts' St. Bernard Parish CU
SANTA ANA, Calif. - The $5.5 billion Orange County Teachers Federal Credit Union has found its Louisiana match under CUNA's "Adopt-A-Credit Union" program. Named as the recipient of long-term OTFCU Katrina aid is the $15 million St. Bernard Parish School Board Employees CU located in hard-hit Chalmette, a New Orleans...
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President's Tax Panel Discusses Tax Deductions
WASHINGTON-At its Oct. 11 meeting, the President's Advisory Panel on Federal Tax Reform talked about various ways for the Treasury to bring in more revenue by closing loopholes and narrowing tax deductions in the code. The mortgage interest deduction should be capped to bolster homeownership, but not to foster the...
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Hopewell FCU Hosts Ney Visit
HEATH, Ohio - Hopewell FCU recently hosted a visit by Ohio Congressman Bob Ney who was invited to visit the CU as part of its effort to promote credit unions. Hopewell FCU President/CEO Al Smith used Ney's visit as an opportunity to talk about CURIA, as well as the difference...
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City Purchases Credit Union Certificate
SANTA CRUZ, Calif. - Bay Federal Credit Union was chosen as one of two locally-owned financial institutions to receive part of the city's investment portfolio. The transfer, according to local officials, is an effort to keep the city's financial resources working locally. The city purchased a five-year, $500,000 certificate from...
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House Financial Services Committee Members Introduce Data Security Legislation
WASHINGTON-A group of top Financial Services Committee Members recently introduced legislation aimed at increasing safeguards on consumer financial information and requiring notification of consumers when data breaches occur. Several high-profile incidents of data security breaches have brought the issue to the forefront in Congress. The Financial Data Protection Act of...
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CFE FCU Donates $100,000 to Relief Efforts
ORLANDO, Fla. - CFE Federal Credit Union has donated $100,000 to support the American Red Cross relief efforts in the aftermath of Hurricane Katrina. The credit union's concern for the many thousands affected by the disaster included the more than 150 CFE FCU members who live in the devastated area....
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Directors Speak out on Difficult Issue of State, National Board Representation
SAVANNAH, Ga. - The question of whether more board directors should be serving on state league and national trade group boards has been around for quite some time. Most agree that volunteers may bring a different perspective to larger movement issues while others feel credit union CEOs are doing just...
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Credit Unions Still Giving for Hurricane Relief
The hurricanes may be gone, but the devastation they left unfortunately lingers as thousands of Americans are still working to rebuild their lives. Credit unions have stepped up the plate to do their part. From fund raisers to blood drives, they are pitching in on so many levels to help...
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Truliant Makes Difference in Hurricane Katrina Survivor's Life
WINSTON-SALEM, N.C. -Truliant Federal Credit Union has donated a 1999 Ford Windstar company van to a single mother whose family relocated to Greensboro after Hurricane Katrina. The mother and new Truliant member, Roberta Brown, her two grown children, two young grandchildren, and 75-year old mother, all lifelong residents of New...
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Credit Union Trade Groups Clamor to Address NCUA Budget Forum
ALEXANDRIA, Va.-Though NCUA is not releasing a speaker list until it is finalized, three national credit union trade associations have announced that they have applied to present oral arguments regarding the agency's 2006 budget. NCUA will hold its fifth annual Budget Briefing and Public Forum on Oct. 19. NAFCU President...
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CUNA and NAFCU to Testify on Reg Relief Before House Subcommittee
WASHINGTON-The credit union industry will have the opportunity to present its point of view yet again on the Financial Services Regulatory Relief Act (H.R. 3505) on Tuesday, Oct. 18. Phillip Buell, president and CEO of Superior Federal Credit Union in Lima, Ohio, will represent CUNA at the hearing in the...
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CCUL-Affiliated CUs May Get Dues Reduction for 2006
RANCHO CUCAMONGA, Calif. - If things go as the California Credit Union League is proposing, members of the League will save nearly 30% in dues in 2006 over their 2005 rates. The League said the savings result from a board decision to establish a ceiling on consolidated unrestricted net assets....
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Unitus Purchases New Downtown Digs
PORTLAND, Ore. - Unitus Community Credit Union has purchased a new headquarters building in the heart of Portland's downtown financial district and will relocate its 100 employees next April. The $632-million institution will anchor the 47,000 square foot facility, which will be renamed Unitus Plaza. The building is currently occupied...
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Colorado Credit Unions, Banks "Play Ball" in Benefit Game
PUEBLO, Colo. - Sure enough, the battle between banks and credit unions was set to be "played out" here last week in a first-of-its-kind "Credit Union vs. Banks Benefit Softball Game" being held as a Katrina fund raiser. "I sure don't want to lose to the bankers," declared a confident...
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Fiserv Rings Bell on NASDAQ as a Much Different Company From its Early Days
NEW YORK- It's been just about 20 years since Fiserv went public and oh how things have changed. Fiserv first went public in 1986 and was about a $70 million company. Today it has 22,000 employees, 16,000 clients and is a $3.4 billion company. It is one of the credit...
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ICU Day Shines Spotlight on CU Difference
WEST PALM BEACH, Fla. - October provides credit unions yet another opportunity to shine with the celebration of International Credit Union Day. Since 1948, credit unions from around the world have teamed up on the third Thursday of October to celebrate the history, tradition and spirit of the international credit...
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S.C. Federal Credit Union Helps Raise Disaster Relief Funds
NORTH CHARLESTON, S.C. - South Carolina Federal Credit Union has made its Hurricane Katrina Disaster Relief fund a community effort. The credit union has donated $19,592 to help with Katrina relief efforts. Students from James Elementary School were anxious to make their donation in person and in pennies to a...
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CUNA, NAFCU, Support ATM Notice Change
WASHINGTON - CUNA and NAFCU have lent their support to the possibility of changing a word on how ATM deployers disclose their fees to machine users. Currently, if an ATM deployer charges a fee for the use of the machine it must notify the user in a prominent and conspicuous...
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Sunmark FCU Raises Over $20,000 for Hurricane Relief
SCHENECTADY, N.Y. - Sunmark Federal Credit Union has raised over $20,000 through its Hurricane Relief Fund. The fund was established in the wake of Hurricane Katrina to assist the American Red Cross in its efforts towards the disaster. "The charitable effort shown by our members is remarkable," said Sunmark FCU...
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MECU Tees Off for Hurricane Relief
BALTIMORE - MECU of Baltimore, Inc. has hosted its first annual Charity Cup Golf Tournament to support the outreach efforts of its employees and volunteers who donate their time and open their wallets to help non-profit organizations in the community. While a majority of the event proceeds will go to...
In Other News
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DONATIONS
Nevada Federal Credit Union, Las Vegas, staffers led by Vittoria Locatelli have helped raise over $3,600 to support the national organization of The Leukemia & Lymphoma Society "Team In Training" program. Funds were raised through a Nevada Federal employee Bar-B-Que, corporate sponsorship, and other creative events. A 12-year-old Las Vegas...
News
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U.K. Government Makes Money Available For CUs
LONDON, U.K. - Credit unions and other community development groups will benefit from 36 (US$63.19) million package announced by David Blunkett, Secretary of State for Work and Pensions. The money is to be used to tackle financial exclusion. Credit unions will use the funds to help provide low cost credit...
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Special Report: CUSOs
For the latest on CUSOs, including some interesting stats on multi-owned and wholly-owned CUSOs, turn to pages 23-26.
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Callahan & Associates' 2005 Directory of Credit Union Service Organizations Shows Growing Clout of CUSOs
WASHINGTON - Callahan & Associates has published its 2005 Directory of Credit Union Service Organizations, and the data show the CUSO impact is growing in the wide variety of markets credit unions are involved in. The data collected is based on surveys returned to Callahan by credit unions. "Because CUSOs...
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CU Direct, US Central in Talks for CUSO to Lease Space from Corporate
LENEXA, Mo. - After four months of discussion, CU Direct, based in Rancho Cucamonga, Calif., and U.S. Central are in what could be the final stages of talks that the CUSO is optimistic will culminate with a signing of an agreement between CU Direct and U.S. Central for the CUSO...
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NACUC's Beginnings Sprang from Frustrated Voices, Roundtable Forum Still Premise for Unfiltered Exchange of Timely Issues
SAVANNAH, Ga. - On an autumn day in 1976, 27 credit union presidents met in Orlando fueled by frustration over the perception that their needs were not being met at the former Southeastern Regional Presidents Conference and the idea of a roundtable exchange served as outlet to be heard. That...
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Financial Partners CU to Provide Insurance to Members Through Patrion Insurance Services
RIVERSIDE, Calif. - Members of Financial Partners CU now have access to a full line of insurance products and services thanks to an agreement between the CU and Patrion Insurance Services, a wholly-owned subsidiary of Altura CU. Under the agreement, Patrion representatives will initially serve Financial Partners' members from the...
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Chairmen Advise Credit Unions to `Think Like a Criminal' to Combat Fraud
SAVANNAH, Ga. - The growing cases of identity theft and the continuation of internal crimes have forced credit unions to add even more layers of prevention policies and member education resources. At the National Association of Credit Union Chairmen's Roundtable Forum here, attendees shared their perspectives on specific fraud cases...
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Prime Alliance, Partners Launch "Choices" Informational Web Site
TUKWILA, Wash. - After about a year of running an aggressive, all-encompassing marketing campaign to make credit unions of all sizes aware of the resources Prime Alliance Solutions partners offer credit unions of varying sizes and lending needs, the CUSO has launched a Web site for CUs they can use...
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U.K. Banks and Credit Unions Get Along, Don't Have Adversarial Relationship
MANCHESTER, U.K. - In the U.S. banks and credit unions fight each other on every battle ground imaginable. In the United Kingdom banks help credit unions. It is not an isolated phenomena to a single bank or region. Credit unions are not seen as competition to banks. Until 2001 credit...
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NACUSO Elects New Board
LENEXA, Kan. - Results of the election of the new NACUSO Board of Directors were announced at the association's 2005 Annual Meeting last month held in conjunction with NACUSO's first CUSO CEO Collaborative. Three incumbents were re-elected into terms expiring in 2008: Vice Pantea, NACUSO interim president and president/COO of...
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Sudden Death of CEO; EVP Vacancies Present `Challenge' for Chairmen
SAVANNAH, Ga. - You're on the board. You just received word that your recently-hired CEO was killed in a car accident and your two executive vice presidents have already taken CEO jobs at other credit unions - whose next in line to take the helm? This was the challenge presented...
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Aimbridge Home Loans Partners with United Federal Mortgage
DENVER - Aimbridge Home Loans, a division of Aimbridge Lending and a full-service mortgage provider for credit unions, has announced a strategic partnership with United Federal Mortgage. As a result of the agreement, Aimbridge Home Loans, now known as UFM, will offer CUs a broader range of products and services...
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Spence to Consult for FCUL Service Group's HRx and KNOWMORE
TALLAHASSEE, Fla. - Ken Spence, former SVP of Human Resources for Suncoast Schools FCU, has been hired by the FCUL Service Group as an independent consultant for HRx, human resources division, and KNOWMORE, the Florida Credit Union League's education department. FCUL Service Group is the service corporation for the Florida...
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Two Australian Credit Union Giants to Merge
BRISBANE, MELBOURNE and SYDNEY Australia - The Australian credit union world was startled by the announcement that the country's two largest credit unions will merge if their respective members approve at their annual general meetings scheduled for November 24th and 25th. If approved, Credit Union Australia (CUA) would absorb the...
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Chairmen Meet in Savannah
See pages 20-22 for on-site coverage of National Association of Credit Union Charimen's Roundtable Forum as the volunteers deal with such issues as succession planning, fraud and others.
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Xtend Announces Bookkeeping Service for CUs
GRAND RAPIDS, Mich. - Xtend, a Michigan-based CUSO owned by 35 credit unions that are also owners of multi-owned CUSO CU*Answers, has added a new bookkeeping service for CU*Answers clients to the array of managerial, operational, marketing, technical planning and consulting services it offers. By outsourcing routine tasks like daily...
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Community Charters Tap New Groups, May Alienate Current FOM
SAVANNAH, Ga. - For many credit unions, converting to a community charter has more upsides than down, but the long-term effects are varied and unexpected. Since the passage of the Credit Union Membership Access Act of 1998, new community charters have doubled and 14% of all federal credit unions now...
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Sarbanes-Oxley Makes Credit Unions Aware of Holes in Governance Policies
SAVANNAH, Ga. - The layers of governance reform that have largely come from the Sarbanes-Oxley Act of 2002 have already impacted credit unions, but some are still wondering if they're doing enough. Speaking to NACUC attendees at a breakfast session, Michael Daigneault, principal & director of advisory services at DeLeon...
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Shorter-Cycled Strategic Planning the Trend as Boards Hone in on What's Really Working
SAVANNAH, Ga. - When it comes to strategic planning, a credit union's plan is only as good as the process used to develop it. That was one of the sentiments coming from a morning session at NACUC's Roundtable Forum. The trend now has become shortening planning cycles in the hopes...
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Flexibility, Ability to Adapt to Market Cycles Key to Mortgage CUSOs' Business Models
WEST PALM BEACH, Fla. - Mortgage CUSOs, probably more than CUSOs in any other market because of the nature of the mortgage industry, need to build an element of flexibility into their business plans that allows the CUSOs to adapt to the refi/purchase cycles of the mortgage market. "The mortgage...
News Briefs
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CMG MI Names New National Sales VP
SAN FRANCISCO - CMG Mortgage Insurance Company (CMG MI) has named Bill Walker vice president of national sales. Walker's primary responsibilities will be to manage, direct and oversee all credit union sales activities for CMG MI. "Bill is a well-respected leader within the credit union mortgage lending industry, and his...
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International CU Day Noted by White House
WASHINGTON-President George W. Bush extended greetings to those celebrating International Credit Union Day. "Across our country and around the world, credit unions play an important role in advancing economic prosperity and expanding opportunities for individuals and families." the president wrote. "By providing valuable services, credit unions encourage local development, assist...
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WOCCU Offers to Fund LCUL Accountant Salary Through 2005
MADISON, Wis. - The World Council of Credit Unions, in what CEO Pete Crear described as a "small way" to "repay the contributions and faith in the movement" displayed by the Louisiana Credit Union League, has offered to fund the salary of a League accountant through the end of the...
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NCUA's Johnson Takes Stage with Rep. Northup at Chairman's Forum
ALEXANDRIA, Va.-NCUA Chairman JoAnn Johnson and Congresswoman Anne Meagher Northup (R-Ky.). were slated to host a Chairman's Forum in Kentucky last Friday. On Oct. 14, Johnson and Northup were to address participants at the Seelbach Hilton in Louisville. "This forum will provide a great opportunity for credit union management to...
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Bank of America Starts Debit Savings Program
CHARLOTTE, N.C. - Bank of America has started an innovative program which, should it spread, may become another way for credit unions to promote their debit card programs. Under the Keep the Change program, Bank of America will round up the bills paid by debit card holders and put the...
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CUNA Responds to NCUA EGRPRA Comment Request
WASHINGTON - CUNA recently submitted a comment letter to NCUA regarding its request for comment under the Economic Growth and Regulatory Paperwork Reduction Act. The agency requested comments on the rules addressing: directors, officers and employees; liquidation; and NCUA procedures regarding adjudication proceedings. CUNA suggested that NCUA's rule governing benefits...
Marketing
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PFCU Takes Financial Literacy to Next Level
PHILADELPHIA - Philadelphia Federal Credit Union has taken its financial literacy program to the virtual realm. The credit union has rolled out its Financial Fitness Video Library as an online seminar service for members and says it is the first CU to maintain the combination of an online library, in-house...
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SLPCU Dresses Up for a Cause
ST. LOUIS - Interested in getting members buzzing while raising money for a good cause, St. Louis Postal Credit Union has hosted a Dress Up Day. This summer staffers paid $2 to don their finest formal attire to benefit the Children's Miracle Network. SLPCU President Larry Giesing and Vice President...
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EverythingCU.com "Triple B" Event Keeps CU Eyes on Brand
PORTLAND, Ore. - It was all about the brand at EverthingCU.com's first unique event held here called Branding, Bonding & Brew: A Total Brand Immersion Experience. "We didn't think of this as a conference at all," said Everything CU.com Chief Experience Officer Morriss Partee. "In essence we started from scratch...
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Founders FCU Hits Speaking Circuit
LANCASTER, S.C. - Community residents who need answers can now turn to Founders Federal Credit Union's Speaker's Bureau. Positioning the credit union as "a community information resource" the Speaker's Bureau consists of 70 Founders FCU employees who are experts on topics ranging from Basic Financial Management and Investment Options to...
Letters to the editor
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Welch Helped Many of us Throughout his CU Career
My very best wishes to Mike Welch as he moves on to yet another chapter in and beyond his illustrious career as a credit union leader, publisher, and yes even as a mentor to those of us who read all of your 794 columns. As a retired credit union volunteer...
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All Members Created Equal
I hope that credit union members are not treated like customers as advocated by Tom Farin, a Wisconsin consultant in the October 5th issue of Credit Union Times. There is a big difference as most of us know. Credit unions should not mistreat the most loyal members by classifying them...
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Thanks Mike and Good Luck
I would like to publicly thank Mike Welch for his outstanding 794 straight columns written over the last 15 years. While I did not always agree with every opinion, I always agreed that they were written with class and fairness and at all times fun to read. Credit Union Times...
Publisher's Column
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Bravo CUNA . Keep It Up!
Way to go CUNA, I hope this was the first shot of many. CUNA finally decided to mount its own onslaught against the bankers by publicly opposing Utah-based Zions Bancorporation's acquisition of Texas-based Amegy Bancorporation. About time. This is a dramatic change for an association that in the last few...
Opinion
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Facing up to the Benefits of Collaboration
I think it's time for the credit union world to have an intervention, that is, no-holds barred look at what's happening now and what might happen if we don't take action to stem the diminishing number of credit unions. Credit unions today are coming to grips with the bottom-line realities...
Staking Out the Stats
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Staking Out the Stats
Callahan and Associates' 2005 Directory of Credit Union Service Organizations presents a few of the following interesting facts on why CUSOs are gaining more respect and clout in the movement: * PSCU Financial Services has more than $221 million in assets and over 500 owners. As the largest CUSO in...
People
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SOUTHWEST
El Paso Employees Federal Credit Union, Texas, has promoted Alicia Jowels to Northeast branch manager. FirstLight Federal Credit Union, El Paso, Texas, has named Rosie Gonzalez vice president of business services and Margie Salazar vice president of branches. First Service Credit Union, Houston, Texas, has named Tom Russo vice president...
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MIDWEST
Hopewell Federal Credit Union, Heath, Ohio, has elected Eileen Scarrett-Dudgeon board director.
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SOUTH
Army Aviation Center Federal Credit Union, Daleville, Ala., has promoted Brandy Woodham to corporate office manager. North Carolina Credit Union League, Greensboro, has named Todd Lewis assistant vice president of marketing and public relations. Alabama Telco Credit Union, Birmingham, has named Magan Boozer business development specialist.
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VENDORS
RSM McGladrey, Inc., a national business consulting, accounting, and tax provider, has named Maureen Hebert senior regulatory compliance consultant in the National Credit Union practice group, which reviews regulatory compliance for credit union clients. Colleague Services Corporation, a wholly-owned subsidiary of the Colorado Credit Union League, has named Karen Morgan...
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WEST
SunWest Federal Credit Union, Phoenix, has named Rosanne Aviles Goodyear branch manager. Travis Credit Union, Vacaville, Calif., has named Noreen A. Diaz community outreach officer. Financial Partners Credit Union, Downey, Calif., has named Robert Nieto Woodland Hills branch financial consultant. Wauna Federal Credit Union, Clatskanie, Ore., has named Aimee McFadden...
Resource Center
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