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    Bob, I agree with you on this point too. We have all seen the economic devastation caused by the huge banking conglomorates. There was certainly no 'bigger is better' benefit to the man on the street or for business. The only beneficiaries were the bankers. I wasn't aware that we had a local credit union, and it is not apparent on Google. It would certainly be a better way forward for the less well off than paying 260% !!

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