(Editor's note: This column and the accompanying column by Henry Wirz present differing views on whether the NCUA should disclose CAMEL scores.)

"To be or not to be…" That is a question with which Shakespeare has tormented every person who ever attempted to read this soliloquy from Hamlet without benefit of a modern translation. This is a real question that an examined life should attempt to answer. The question of disclosure of the CAMEL is not such an important question that requires much mental consideration.

It was back in the Connell or the Callahan time that some genius in the head shed came up with this profoundly stupid idea and forced the implementation over a chorus of well-thought out objections. It is suspected that their agenda was actually something more diabolical than transparency. Their hidden agenda will be discussed later.