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It’s difficult to realize that 20 years have passed since my telephone rang and Mike Welch, who was about to launch a new publication called Credit Union Times, asked if I would serve as a correspondent. By the way, for the benefit of any young readers, that phone call came in on a land line, not a cell phone.

Obviously, a lot has changed since then. From a personal viewpoint I’ve moved four times, met a lot of people, watched my hair turn gray and- I hope-become increasingly knowledgeable about the credit union industry.

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