John and Jane Member are going to purchase a house, and a year ago they attended your session on home buying.

But don't take for granted they'll follow through on the information you presented – and don't assume they'll look at the handout you gave them to remind them of the points covered at the seminar. But they may want to check on-line for the latest advice or text you a question.

Above, members attend a home-buying education session at North Carolina's State Employees' Credit Union.

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