<p>There are some things that bothered me about Mike Welch's column in the Jan. 30 issue, "There is a lot to be bothered about." It bothers me that Mike is absolutely right on every bothersome point he makes. It also bothers me that there are not more people like Mike pointing out what bothers them in the credit union world. But what is most bothersome of all is that too few people are doing anything about what it is that bothers them! Keep bothering us Mike. You may get through one of these days. Bill Raker President/CEO US Federal Credit Union Burnsville, Minn.</p>