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As investors recover from the economic meltdown of 2007 through 2009, they are anxious to find attractive investment returns. Unfortunately, most are unaware of the army of scam artists, reckless advisers and inept bunglers who will promise those returns but deliver only financial devastation. Budget crises at the regulatory agencies and sheer demographics have created a perfect storm that threatens to make us forget Bernard Madoff. But credit unions can shelter their members with an active approach to education and commitment to member protection.

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