COLUMBIA, S.C. -- You don't have to be a math professor tounderstand the implication of these numbers.

By some estimates, 94% of Generation Y (18 to 28 year olds) donot belong to credit unions. But Facebook, the uberpopular socialutility that first took off among the college crowd, has 68 millionmembers and growing.

So it's perhaps not surprising that Galaxy Credit UnionSolutions is finding a market for MyMoney, an application thatplaces credit unions directly on the Facebook members' home pageand gives users functional access to their accounts.

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