Excuse me, but wasn't it NCUA vs. First National Bank and Trust in 1998 wanting credit unions to have a broad field of membership in order to give smaller employee groups and people of modest incomes the ability to have a CHOICE? Have a choice to do business with financial institutions where people and a fair deal are worth as much or more than profit? Wasn't that when we all rallied for HR 1151? It looks as if Patelco set NAFCU's pants on fire and they panicked and ran down the street instead of relaxing and rolling with the punches. I hope NAFCU smacks themselves on the side of the head and decide to start over. American credit unions can all run smoothly on freedom of choice last time I looked! Carol Frazier Marketing Director Buckeye State Credit Union Akron, Ohio