The NCUSIF and NCUA were the subjects of Bucky Sebastian's (CU Times, Oct. 24)comments. I understand the frustration, but I am confused at this being a state's rights issue. As far as I am concerned the right that the states have is to form their own share insurance company and get out of the NCUSIF entirely. David J. Wright CEO Services Center Federal Credit Union Yankton, S.D.

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