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What goes around comes around. What has happened can happen again. History repeats itself. Those who do not learn from history are bound to repeat the mistakes of others. Pick your platitudes, but let’s really try to learn a little bit from history. I respect CUNA’s Bill Hampel as an economist who has served the credit union industry well, but I take serious issue with him, and others, on the subject of capital levels and what is an appropriate amount to have as detailed in the front page story entitled “Lofty Capital Levels in ’06 Indicate CUs May Not be Taking Enough Risk on Lending Front” of the Feb. 14 issue.

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