Joe Montana paid homage to his father during his address last week at NACUSO's annual conference. His father wasn't a big jock, but he could work the fundamentals with him, like tying a tire swing up in a tree–not to swing on–but to throw the football through. His father would swing it to force youngMontanato hit a moving target. Kids being who they are,Montanaapplied his learning to throwing snowballs at cars passing down the street as well. Still it served him well.

Montanawas basketball nut when he was younger. Once his father got too slow to keep up with him, he'd do things like trip him or step on his foot when he was trying to jump. He would complain to his dad that he couldn't do that to which is father replied, "What are you going to do about it?"

This really resonated with me. The game doesn't always go as planned. Credit unions got tripped up in the economic crisis. They had their feet stepped on. What are you going to do about it?