Challenges can be turned into opportunities. Look how some credit unions are taking advantage of the banking crisis to get their brands in front of consumers.

But some challenges are just that, challenges. Many you can't control and just have to deal with one way or another. Others you must decide are better left to die than constantly beating your head against a brick wall.

Interchange is one of those battles worth waging. You can't give up just because it looks like you're going to lose. However, there doesn't seem to be any appetite in the Senate to repeal the Durbin Amendment, particularly since its namesake is the majority whip.