I always suspected that the problem with Ed Callahan was that as a youth he was beaten too often by nuns in parochial school or, perhaps, not beaten enough. Either way the nuns left their mark-an indomitable spirit! Ed Callahan was Irish-brash, pugnacious, loud, hard drinking. But why be redundant? I said he was Irish. For over a quarter of a century, we all watched and observed as Ed Callahan created shock waves in the credit union world. No one was neutral about Ed Callahan. His friends were fiercely loyal, his enemies equally committed. Ed inspired many and angered quite a few. Ed had style; he had presence. With Ed, you weren't allowed to make contact without becoming involved, excited, immersed, engaged. At Marquette, Ed must have played football in the same way he played life-without a helmet. You had no doubt that Ed Callahan always played for keeps. He had no intentions of losing; that was not one of the options. The mission was defined, and there was only one direct path to the goal. That path was either with you, around you, over you, under you, or through you. Some said that Ed was a visionary. They were wrong. Ed Callahan was a revolutionary. Visionaries talk about change, but revolutionaries take you there. Ed led from the front-a leader of conviction, rather than convenience. Principles above posture. Revolutionaries, by definition, create problems, over turn apple carts and rebuke the status quo. That happened at the NCUA. Ed arrived at the NCUA amid turmoil and defined the mission and reformed the agency. But let me celebrate the essence of the man-that indomitable spirit-one last time, for those who never had the opportunity; for those who still have doubts; for those who never fully understood. One of Ed's harshest critics, noted with much wryness, that even in death Ed "couldn't get it right." Why, I asked? "Because Callahan died on March 18th instead of on the 17th, his beloved St. Patrick's Day." Just for the record, I would simply like to point out one final time that-first and foremost-Ed Callahan was a full-fledged, fully flagrant Irishman-body and soul! And no self-respecting Irishman would ever celebrate the end of St. Patrick's Day until the last bell at the pub had rung. That would have meant that Ed Callahan's last call would have come sometime after 4:00 a.m.-on the morning of the 18th. Style, presence, courage-true to the last! A shamrock of vigor and purpose! And one last thought. In the final analysis you can say many things about a man's life, some men are admired, some are respected, some are envied, some are feared and countless other adjectives and accolades. But, in the final analysis, the most important thing you can say about a great man is he will be missed.

Jim Blaine President/CEO State Employees' Credit Union Raleigh, N.C.