i wish my whole department would be able take this course. small business lending can be a win-win for both credit unions and their membership. her son will definitely understand this once he will be a parent. 9. state of the heart: this is another video. the happy bucket on the other hand was always wondering aloud “what in the world is wrong with this guy? i sold the 16 young ones i had last week. done well, they can make complex concepts much clearer. 