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Stockholders the funds are either distributed among all members of the credit union, or, they are used as, utilized as low interest rate loans to individuals and small businesses. so, this direct action of putting our money with a company that is going to utilize our funds in that way is only going to stimulate growing. >>neil: i am just telling you, we could be hurting, hurting if you go too far. i just had to say that because i was thinking that. we will see what happens. good to have you. >>g...