I just finished reading Mike Welch’s publisher’s column about “Who’s Kidding Who?” from the Feb. 9 issue of Credit Union Times. (Sometimes it takes a while for issues to make it around to my desk.) Over the years, I have held various positions within the credit union industry so I am familiar with Welch’s weekly columns. I haven’t always agreed with him, but I have to take my hat off to him with this particular column. Even though I think his cynicism is a bit heavy, I also think he nailed this one on the many topics covered in this column. And “I ain’t kidding.” Christopher Kennedy, PhD West Jordan, Utah

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