Mike Welch's column in the March 10 issue of Credit Union Times "Slowdown in Membership Growth Makes No Sense" – was most thought provoking. His assumptions for the dramatic slowdown in membership growth are disturbing and very realistic. Many credit unions are introducing "member relationship pricing modules" designed to "weed out" unprofitable accounts. I'm aware of two credit unions in Florida that take great delight in the fact that they have "weeded out" over 20,000 unprofitable member accounts. Yes, we want members to use the credit union for its intended purpose, but it seems we're becoming more "exclusive" than "inclusive." And yes, the meteoric growth of payday lenders says something about who has an effective community outreach program. I'm not sure what the solution is, but Welch's column was certainly a wake up call. I hope he'll write more on this topic as soon as possible. Ed Gallagly CEO Florida Central Credit Union Tampa, Fla.