Remember when you were a kid, you'd open your box of Cracker Jacks and hope for a cool prize, and were a little disappointed when instead you found a little photo tucked into a sealed plastic envelope.
Credit unions are in a crisis. The mortgage meltdown was the start. The over-tightening of regulator oversight exacerbated the problem.
At more than 4,200 people, it is amazing to be one of the 600 newbies at the largest credit union conference in the world.