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In a Guest Opinion article in Credit Union Times [Jan. 23 issue, page xx], former CUNA president Dan Mica, now an industry consultant, shared his forecast for the 113th Congress. His prediction that measuring the success of the next two years by what does not occur rather than by what does occur would appear to be spot-on. His belief that the major area of activity in Washington will shift to the regulatory arena also rings true. Too bad he didn’t stop there. 

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