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Tony Emerson is president/CEO of the Credit Union League of Connecticut.

It is not news to us in the financial services industry that times are tough. Yields are low, margins are non-existent, and loan rates (if we can make loans at all) are at historic lows. Yet with these almost insurmountable challenges, we are expected to continue investing in our businesses, continue to improve service delivery, and in the end … add to our capital position.

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