BOULDER CITY, Nev. – You're CEO of a credit union that has nine out of every 10 residents as a member, and stories are circulating that virtually every one may become a millionaire.

Ordinarily you'd picture yourself smiling broadly as you watch the credit union's asset size soar. But William Ferrence, manager of Boulder Dam Credit Union, simply chuckles.

As he talks to various groups in the city, he cautions them, "Don't make out your deposit slips yet."

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