My new employees had been competing against me for so long, they were afraid to have their competitor become their new boss. They resented the fact that we were onboard. I didn't know how hostile it would be.

Many of our employees have been here 25 or 30 years. Loyalty isn't dead. It's just changed a bit. The old lifetime-employment guarantee may be gone, but that's okay, because it was almost like a parent-child relationship. We'd rather see it as a business deal between two adults -- and we do promise that we will invest in your career.

If you take good care of your customers, and you take good care of employees, there will be an adequate return for your shareholders.

To instill fear in employees about their jobs is bad enough, to instill fear that members' savings are in jeopardy is an outright lie. I am sure the National Credit Union Administration, the U.S. government agency that insures members' deposits up to $100,000, will have something to say about this.

As soon as you open your doors.

The only thing we don't include is the cost of your meals or airline tickets.