I just wanted to add my own farewell to former publisher Mike Welch to what I’m sure must be a “flood” of accolades and farewells that he’s received by now. Mike, you’ve made a real contribution to this industry, and it’s been an enormous pleasure knowing you. I’m going to really miss your weekly column. It was like an old friend – always there, reflective, insightful, fun, and most importantly, always making me think. Thanks for your friendship. Thanks for your weekly insights. Thanks for giving so much of yourself. And thanks, for all of your enormous contributions to our industry. All the best! Martin Breland CEO Tower FCU Laurel, Md.

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