Whether you are happy or not with NCUA's proposed 2008 budget, one thing you can't argue with is NCUA's transparency.

Of the five federal financial institution regulators, NCUA is the only one to hold an annual budget briefing that previews the next year's budget and even offers and opportunity for the industry to comment and ask questions. It's a terrific tradition that must continue.

I have gone through the budget and find some of the changes more interesting than others. Of course only the people on the inside can really comment with ultimate authority about an organization's budget, but I offer up some of my thoughts on a few of the numbers and leave the rest up to you.

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