It's been six years in the making, but the lengthy legislative process has helped to produce a thorough, well-thought-out bill.

We're at a point where if policymakers (regulators and Congress) don't act, you run a real risk that the wall will crumble.

But if NCUA really wants to make sure low- and moderate-income individuals are served by credit unions, it would establish meaningful criteria and a system for assessing whether the mission is being accomplished.

We are not after customers. We are after the managers of large credit unions that are trying to have it both ways -- act like a bank but at the same time continue to use the credit union tax subsidy.

I was sick at the thought we were doing harm to patients.

He says he's not a habitual drug abuser but this was his anniversary trip and he thought that he would experiment so that he could better enjoy his anniversary with his wife.