Michael FryzelI recently receiveda call from the North Pole. The person in charge of gift givingwanted to know if I had any suggestions for what the peopleaffiliated with the credit union world should be given.

So I put my thinking cap on and found that just like in reallife some were easy to pick gifts for and others very hard.

After much thought, I forwarded the following list to S. Clauswith the following suggestions:

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