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.

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.

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

We really take a stance of educating, trying to help managers understand. It does give them the ability to be more successful themselves.

Municipal managers go nuts trying to predict snow costs. I guess you could say it comes with years of practice. You just get a feel for what happens, and budget based on past years.