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This time of year, three of our favorite sports converge: the World Series of baseball, the NFL football season and the start of NBA basketball. As baseball winds down, football kicks in and B-ball is poised to start the clock. Thus, the terms in my column headline all refer to the nearing of the end of the game in those respective games.

I use this sports metaphor because in each case the teams use the time to tap their reserve of strength and energy to win the game. Similarly, I believe the credit union industry must do the same when it comes to real estate mortgage lending.

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