Vermont Credit Unions On Air podcast

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Action Academy | Replace The Job You Hate With A Life You Love

1
How To Replace A $100,000+ Salary Within 6 MONTHS Through Buying A Small Business w/ Alex Kamenca & Carley Mitus 57:50

1 year sitten57:50

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Vermont Credit Unions On Air

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The majority of Vermonters are member-owners of a financial cooperative Vermont credit union, supported by the Association of Vermont Credit Unions.

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#Business #Credit Union #Vermont Credit Unions #Podcasts by the Association of Vermont Credit Unions

Vermont Credit Unions On Air

updated 7 päivää sitten

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Sarjan koti•Feed

The majority of Vermonters are member-owners of a financial cooperative Vermont credit union, supported by the Association of Vermont Credit Unions.

62 jaksoa

#Business #Credit Union #Vermont Credit Unions #Podcasts by the Association of Vermont Credit Unions

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Vermont Credit Unions On Air

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Dave Adams: Tariff Impact On CU Auto Lending 21:10

7 päivää sitten21:10

21:10

David Adams, Vice President of Lender Client Experience at Origence, shares insights on the impact to credit union auto lending from auto-related tariffs, a possible shift to greater used car lending, the importance of suppoting the national "Don't Tax My Credit Union campaign." Hosted by Joe Bergeron, Association of Vermont Credit Unions.…

Vermont Credit Unions On Air

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Saving the CU Tax Exemption, There Might Not Be Another Chance 30:08

7 weeks sitten30:08

30:08

John Dwyer, CEO of Vermont's EastRise Credit Union, shares insights on threats in Congress to the federal tax exempt status of cooperative credit unions, and the deliberate thought process undertaken by his CU in deciding to connect with members and encourage communicating with lawmakers. Hosted by AVCU President Joe Bergeron.…

Vermont Credit Unions On Air

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Analyzing the 119th Congress for CUs 42:35

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42:35

Jim Nussle, President/CEO, and Carrie Hunt, Chief Advocacy Officer, for America's Credit Unions share insights on the make up of the 119th Congress, the issues that affect credit unions and which ones might materialize in 2025. Hosted by Joe Bergeron, President of Association of Vermont Credit Unions.…

Vermont Credit Unions On Air

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Billy LaFavor - A New Era for Tricorp FCU 32:08

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Billy LaFavor takes the helm of Tricorp Federal Credit Union and chats with AVCU President Joe Bergeron about his background, corporate credit union history, and thoughts on the future.

Vermont Credit Unions On Air

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Changing Focus: CU to Association 29:53

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The Association's newest employee, Carrie Allen, shares her background, insights and philosphies as she enters her new career role as EVP/COO for the Association of Vermont Credit Unions (AVCU). Hosted by AVCU President Joe Bergeron.

Vermont Credit Unions On Air

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Credit Unions On Tap 2024 14:20

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Mike Schenk, chief economist at America's Credit Unions, chats with Melissa Pomeroy and Christine Davidson about the 3rd annual Credit Unions On Tap gathering of Vermont and New Hampshire credit unions on 8/21/24, where Mike will be the featured speaker along with live music. Hosted by Association of Vermont Credit Unions and Cooperative Credit Union Association. Find out more and register at https://www.ccua.org/cusontap…

Vermont Credit Unions On Air

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Chatting with Nicole Sekol, Vermont '24 GAC Crasher 22:54

1 year sitten22:54

22:54

Nikol Sekol, Member Service Representative at Heritage Family Credit Union's Bennington location in Vermont, chats with AVCU President Joe Bergeron about her first experience at the annual Governmental Affairs Conference in Washington, DC as the official Crash Program participant from the Green Mountain state.…

Vermont Credit Unions On Air

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Vermont ViewPoint Interview w/Joe Bergeron 42:50

1 year sitten42:50

42:50

Vermont ViewPoint host Pat MacDonald interviews Association of Vermont CUs President Joe Bergeron in her one-hour public affairs program. In it Bergeron shares the difference between banks and CUs, the contribution of CUs to the Vermont economy and its residents and legislative activity. Vermont ViewPoint is the public affairs program of WDEV radio station.…

Vermont Credit Unions On Air

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It's A Wrap: John Cote's 21 Years of Service to Vermont CUs 28:10

1 year sitten28:10

28:10

Twenty-one year veteran AVCU team member John Cote reviews his lengthy tenure as he approaches the conclusion of his services at the end 2023. Highlights, challenges, most memorable events and even his likes and dislikes are covered by John in conversation with podcast host Joe Bergeron.

Vermont Credit Unions On Air

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About FedNow w/Steve Roy 16:17

2 years sitten16:17

16:17

Money moving instantly fromone accountholder to another is at the bottom of the Federal Reserve's new FedNow service. Steve Roy, president of Tricorp Federal Credit Union, discusses the basics of FedNow, what credit unions need to know, and how they can simplify their involvement by access through Tricorp.…

Vermont Credit Unions On Air

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Joe Bergeron - 45 Years Serving Vermont's CU Family 36:33

2 years sitten36:33

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Joe Bergeron, President of the Association of Vermont Credit Unions, reviews a 45 year career in service to Vermont credit unions. Hosted by Association staff members John Cote, Michelle Fullerton and Christine Davidson.

Vermont Credit Unions On Air

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Vermont CU Advocacy Update 37:36

2 years sitten37:36

37:36

AVCU's advocacy experts chat about what followed the 2023 Vermont legislative session and what to expect in the 2024 session. They touch on political issues, impact of summer 2023 flooding, and even one federal political issue that could crop up in the Vermont statehouse. Listen to Adam Necrason and Jessica Oski in discussion with Joe Bergeron.…

Vermont Credit Unions On Air

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CUs On Tap 2023 with Mike Schenk 9:36

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A preview discussion with CUNA chief economist Mike Schenk, featured guest when Vermont and New Hampshire credit unions gather at the Harpoon Brewery in Windsor, Vermont on August 2nd, 2023.

Vermont Credit Unions On Air

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Ming Poon Crashes CUNA's 2023 GAC 22:44

2 years sitten22:44

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NorthCountry Federal CU's Ming Poon chats about being selected as Vermont's young professional Crash program participant at the 2023 CUNA Governmental Affairs Conference. Hear Ming's background, what he thinks of credit unions and their members and how he came to pursue being the 2023 designated Crash program participant from Vermont, Hosted by Joe Bergeron, Association of Vermont Credit Unions.…

Vermont Credit Unions On Air

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2023 Vermont Legislative Preview 25:12

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The newly-elected, and re-elected, 180 members of the Vermont Legislature will convene in 2023. With attentions shifting from pandemic resolves to more traditional legislative matters, what will the big issues be and how might they be of interest to CUs? AVCU’s advocacy team leaders, Adam Necrason and Jessica Oski, analyze election results, changes it brings to the 2023 legislative session, and what it all means for credit unions and their members in the Green Mountain State. Hosted by Joe Bergeron, President of the Association.…

Vermont Credit Unions On Air

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2022 Vermont Election Preview 1:05:26

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Adam Necrason and Jessica Oski, primary advocacy team members with the Association of Vermont Credit Unions, preview the 2022 general election in Vermont, with an eye toward what it will mean for credit unions when the 2023 Legislature convenes. Hosted by Joe Bergeron, President of the Association.

Vermont Credit Unions On Air

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Post Pandemic Automobile Sales & Financing Trends 35:37

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How the automobile sales and financing world has changed through two years of world-wide pandemic. That's the topic discussed by Dave Adams, Vice President of Lender Client Experience at Origence, a CU Direct brand. Dave talks about recent innovation in car sales and dealer strategies, along with related changes in automobile financing. Hosted by Joe Bergeron, President, Association of Vermont Credit Unions.…

Vermont Credit Unions On Air

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Crashing CUNA's GAC with Trent Loehle 27:02

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Vermont's 2022 Crash the GAC representative, Trent Loehle of Opportunities Credit Union, share his experience as a first-time GAC attendee, explains the Crash progam for up and coming young credit union leaders, and the impact it's had on his work helping members of his credit union. Hosted by Joe Bergeron, Association of Vermont Credit Unions.…

Vermont Credit Unions On Air

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Opportunities CU's Kate Laud 38:54

4 years sitten38:54

38:54

Kate Laud, President and Chief Executive Officer of Vermont's Opportunities Credit Union, shares some of her path to a credit union leadership role, the similarities and differences of a community development credit union, and the unique aspects of a credit union focused on serving less financially advantaged community members. Hosted by Joe Bergeron, President of the Association of Vermont Credit Unions.…

Vermont Credit Unions On Air

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ICU Day Chat with Brett Smith 38:32

4 years sitten38:32

38:32

Brett Smith, CEO of Vermont's One Credit Union, spends CU Day 2021 on insights, perspectives and the backstory of his career and his credit union. Hosted by Joe Bergeron, AVCU President.

Vermont Credit Unions On Air

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Sean Gammon & 802 Credit Union 29:06

4 years sitten29:06

29:06

Sean Gammon, President & CEO of Vermont's 802 Credit Union, shares personal and credit union history, the makings of 802 Credit Union, forecasts for the future and much more. Hosted by Joe Bergeron, President, Association of Vermont Credit Unions.

Vermont Credit Unions On Air

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AVCU Board Chair Carrie Allen 32:53

4 years sitten32:53

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Carrie Allen, SVP of Consumer Lending & Development at Heritage Family FCU is also the 23rd chairperson of the Association of Vermont Credit Unions. She chats about her initial involvement in credit unions, how things have changed during her tenure, operational changes through a pandemic, the role and value of the Association and much more. Hosted by Association of Vermont Credit Unions President Joe Bergeron.…

Vermont Credit Unions On Air

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Engaging Members w/Online Auto Shopping 14:17

4 years sitten14:17

14:17

The pandemic has made online shopping a new expectation for consumers. Build your CU's auto lending with an integrated online vehicle shopping experience for members. Jeff Kane, Director of Lender Client Experience at Origence and Christine Davidson, Vice President at the Association of Vermont Credit Unions, tell us how.…

Vermont Credit Unions On Air

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2020 Vermont Election Re-Cap 28:53

5 years sitten28:53

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AVCU chief advocacy officer Adam Necrason re-caps the 2020 Vermont elections across state-wide and legislative offices. Although the Governor's office and political party control of the statehouse remain unchanged, Adam discusses the numerous changes in resulting form elections in legislative leader positions, and the near future as further change is anticipated for the 2022 mid-term elections. Hosted by Joe Bergeron, President, Association of Vermont Credit Unions.…

Vermont Credit Unions On Air

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AVCU Board Member Jean Giard 28:07

5 years sitten28:07

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AVCU newest board member and Vermont Federal Credit Union CEO Jean Giard chats about her beginnings in credit unions, philosophies, people helping people, managing a credit union amidst a pandemic, and much more. Hosted by Joe Bergeron of the Association of Vermont Credit Unions.

Vermont Credit Unions On Air

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AVCU-CULCT Compliance Services 13:17

5 years sitten13:17

13:17

Judy Britt and Shanon Peters of the CU League of Connecticut meet with Christine Davidson, Association of Vermont CUs, in a discussion about virtual Bank Secrecy Act training for VT and CT credit unions, as well as compliance audits and customized training for credit unions.

Vermont Credit Unions On Air

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AVCU's 3/30/20 COVID-19 Teleconference Update 36:11

5 years sitten36:11

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A weekly teleconference for Vermont credit unions operating in challenging times, hosted by Association of Vermont Credit Unions. This weekly recording featured Congressman Peter Welch.

Vermont Credit Unions On Air

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AVCU Weekly Update w/NCUA Board Chair Rodney Hood 47:07

5 years sitten47:07

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Rodney Hood, Chairman of the National Credit Union Administration, chats with Vermont credit union leaders in their dealings with financial and health challenges brought about by the COVID-19 pandemic. Joining the discussion is Michael Pieciak, Commissioner of Vermont Department of Financial Regulation. Hosted by Joe Bergeron, President, Association of Vermont Credit Unions.…

Vermont Credit Unions On Air

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AVCU Weekly COVID-19 Update w/Steve Rick 48:16

5 years sitten48:16

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CUNA Mutual chief economist Steve Rick provides his insights and forecasts in AVCU's weekly COVID-19 virtual meeting of Vermont credit union leaders.

Vermont Credit Unions On Air

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Evelyn Sirois - COVID-19 Infection on CU Operations 46:47

5 years sitten46:47

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Evelyn Sirois, chief executive of Members 1st Credit Union in Brattleboro, Vermont, shares her credit union's experience as the first financial institution in the state whose operations were impacted by an employee testing positive for COVID-19. Hear how it happened, the steps to address it, and recommendations for dealing with it in the future.…

Vermont Credit Unions On Air

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Vermont Legislature Mid - Session Update 35:43

5 years sitten35:43

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Vermont Credit Unions On Air

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An Interview With Shawn Hayes of Ticonderoga FCU 27:16

5 years sitten27:16

27:16

Shawn Hayes, chief executive of Ticonderoga Federal Credit Union in New York State, chats with AVCU President Joe Bergeron about his career in credit unions, expansion of Ticonderoga into the Vermont marketplace, and the modern day challenges of meeting member financial needs.

Vermont Credit Unions On Air

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Tom Candon & NASCUS Regulator Accreditation 32:14

6 years sitten32:14

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Most everyone knows credit unions can be state or federal chartered. But did you know the regulators of state chartered credit unions have their own association, and accreditation program? Tom Candon, long-time Vermont Deputy Commissioner of the Department of Financial Regulation, and former chair of the Nat'l. Association of State CU Supervisors, highlights all of that and much more in discussion with AVCU President Joe Bergeron.…

Vermont Credit Unions On Air

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Erbin Crowell Talks Food Co-ops 33:22

6 years sitten33:22

33:22

Do you know more about your neighborhood food co-op than what's in the produce aisle? In this episode we explore the uniqueness, operation, challenges and future of food cooperatives. Our expert interviewee is Erbin Crowell, Executive Director of the Neighboring Food Co-op Association based in Shelburne Falls, Massachusetts where he's the primary advocate for the food co-ops in the densely populated New England and northeast. Discussion hosted by Joe Bergeron, President of the Association of Vermont Credit Unions.…

Vermont Credit Unions On Air

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Open Your Eyes to a Credit Union Awareness Campaign 20:06

6 years sitten20:06

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John Janclaes, CEO of Partners Federal Credit Union, moderates a panel discussion on the national Open Your Eyes to a Credit Union consumer awareness campaign. Discussion explores consumer awareness of credit unions, how the campaign came about, and the value in participation for credit unions of all sizes. Panelists include Diana Dykstra - CEO of the California & Nevada Credit Union League, Mike Terzian - EVP of Partners FCU and Susan Toalson - CUNA VP of Member Awareness. Recorded in cooperation between Partners Federal Credit Union, the Credit Union National Association and the California Credit Union League.…

Vermont Credit Unions On Air

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Roberta MacDonald Talks Cabot & Cooperatives 46:49

6 years sitten46:49

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Consumers in the U.S., especially the northeast, are well familiar with the Cabot brand in grocery stores. But maybe not so much it's history as a cooperative, it's relation to Agri-Mark and how it's structured differently than other dairy producers. Cabot Marketing SVP Roberta MacDonald talks about all of this, and much more, with AVCU President Joe Bergeron in this episode.…

Vermont Credit Unions On Air

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What's An Employee-Owned Co-op? 39:25

6 years sitten39:25

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You know members own cooperatives, but what's an employee-owned cooperative? How's it work? How common are they? Why do they exist? Matt Cropp, Co-Executive Director of the Vermont Employee Ownership Center (VEOC) explains all that and more to host Joe Bergeron, President of the Association of Vermont Credit Unions.…

Vermont Credit Unions On Air

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Adam Engelman on Young Professionals & Advocacy 18:51

6 years sitten18:51

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Young professionals realize their role entails more than just their daily credit union duties. And they know the movement’s future depends on their involvement in advocacy. “There’s been a massive influx of interest and energy from YPs the last few years,” says Adam Engelman, CUNA’s director of federal grassroots advocacy. “They embody the credit union movement in the sense that they’re passionate about giving back to their communities. They see the good work credit unions are doing in their communities.” Many YPs are advocating by meeting with elected officials, attending national conferences, participating in advocacy training events, and telling their stories through letters. “Regardless of what your title is within the credit union,” Engelman says, “you should reserve some time to care about advocacy and to advocate on behalf of the credit union movement.” Engelman explains why young professionals should get involved in advocacy, how they’re advocating, and more. This episode courtesy of CUNA News Podcast.…

Vermont Credit Unions On Air

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Young Professionals in a Global Classroom 39:52

6 years sitten39:52

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Blair Wolston, Chair of the Credit Union Young Professionals of Vermont and a financial advisor for VSECU, relates his experiences representing Vermont at the first Global Classroom initiative for young professionals coordinated by the World Council of Credit Unions and hosted by the Sicredi credit union system of Brazil. The first global classroom initiative was a multi-day summit combining credit union young professional from the United States with Sicredi credit union leaders from Brazil to share philosophies, insights, differences and similarities. Blair shared his story in discussion with AVCU President Joe Bergeron.…

Vermont Credit Unions On Air

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Energy Efficiency in Appraisals 36:43

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AVCU Vice President Bryan Kent chats with Jeff Gephart of Efficiency Vermont on the importance of incorporating the value of energy efficiency improvements in the appraisal value of real estate properties. Jeff addresses the state of energy efficiency in Vermont, trends, property valuation and more.

Vermont Credit Unions On Air

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AVCU's 2019 Vermont Legislative Wrap Up 37:11

6 years sitten37:11

37:11

AVCU's Statehouse advocacy team reviews highlights of the 2019 Vermont legislative session along with new and updated laws pertinent to credit unions. Featuring advocacy team members Adam Necrason and Jessica Oski, with host Joe Bergeron, President of the Association.

Vermont Credit Unions On Air

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Financial Literacy is for Everyone! 30:19

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Regardless of income level, a better financial future is available for most anyone when you plan ahead and make wise choices within your means. But getting on the right path to eliminate debt and save for the future can be overwhelming. Vermont State Treasurer Beth Pearce and and VSECU Senior VP of Marketing & Business Development Yvonne Garand talk about the state of financial literacy among Vermonters, insights on the path to financial well-being and freely available resources everyone can use. Joe Bergeron, President of the Association of Vermont Credit Unions, moderates.…

Vermont Credit Unions On Air

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Meet SeaComm FCU & its CEO Scott Wilson 24:42

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Vermont Credit Unions On Air meets Scott Wilson, CEO of SeaComm Federal Credit Union of Massena, NY. Scott shares insights on SeaComm's expansion across upstate New York State and into Vermont, along with philosophies about service to members, cooperation among credit unions and much more.

Vermont Credit Unions On Air

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CU2.0 Podcast w/Joe Bergeron of Vermont Credit Unions 33:29

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AVCU President Joe Bergeron, is interviewed by Robert McGarvey of the McGarvey Credit Union Podcast. In his CU2.0 Podcast McGarvey notes Bergeron's 40th year of service to Vermont credit unions as AVCU President and explores his close-up view of issues and ideas that rock Vermont's credit unions, which vary in size from tiny to $1.5 billion. Bergeron also talks about the relationship between state credit union leagues and CUNA, state and federal government, and how small credit unions sometimes matter way beyond their size. It's a wide ranging talk with an eye always planted on the future.…

Vermont Credit Unions On Air

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Start Small, Think Big on the Path to Regular Saving. 31:24

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A panel of financial experts share simple advice appropriate for anyone of any income level to get on the path to regular savings and the security it brings. Panelists include Patricia Selsky (Money Sense Program Manager, New England Federal Credit Union), Andrea Heller (Financial Counselor & Educator, Opportunities Credit Union) and Rachel Feldman (Public Relations Specialist, VSECU). Discussion is moderated by Joe Bergeron (Association of Vermont Credit Unions).…

Vermont Credit Unions On Air

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Meet AVCU Board Member Jim St. Peter 24:38

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Association of Vermont Credit Unions board member Jim St. Peter chats with AVCU President Joe Bergeron about his career in financial services and credit unions, challenges and views on the future of financial services.

Vermont Credit Unions On Air

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Talking Cars, Trends & Credit Unions 15:28

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GM plant shutdowns, Tesla, trends in car sales, the year ahead . . . . all are part of the conversation with Carol Miller and Chris Bacho of Association indirect lending partner, CU Direct. AVCU Vice President Bryan Kent hosts the discussion.

Vermont Credit Unions On Air

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People Helping People thru Credit Unions - WOCCU & the Worldwide Foundation 17:41

7 years sitten17:41

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Mike Reuter and Ann Heiden of the Worldwide Foundation for Credit Unions join AVCU's Joe Bergeron on International Credit Union Day to explore the breadth and depth of credit unions around the globe and how the World Council of Credit Unions and the Foundation bridge and advance credit union efforts in 117 countries and provide critical aid when disaster strikes.…

Vermont Credit Unions On Air

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Joe Bergeron - 40 Years in Review 29:58

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Association President Joe Bergeron celebrated 40 years of service to Vermont credit unions on September 11, 2018. In this podcast interview by Director of Information Services John Cote, he reviews highlights of a 4 decade career, most of which began with appointment as the Association's chief executive at the age of 25.…

Vermont Credit Unions On Air

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Update: Indirect Lending + Shared Branching 23:22

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More and more Vermont credit union members get their CU loan at the car dealership, and conduct their over the counter transactions at shared branch locations. AVCU VP Bryan Kent shares insights and data with President Joe Bergeron in this update.

Vermont Credit Unions On Air

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Steve Roy on Corporate CUs a Decade Later 17:49

7 years sitten17:49

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It's been a decade since the great recession and the aftermath that touched the entire United States credit union movement, reducing the number of corporate credit unions by about 75%. Steve Roy, CEO of Tricorp Federal Credit Union chats with AVCU President Joe Bergeron about what's changed . . . and what's remained the same . . . for corporate credit unions over the past decade.…

Vermont Credit Unions On Air

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Vermont CU Marijuana Update 28:10

7 years sitten28:10

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With Vermont's recent legalization of marijuana for recreational use, Jill Stowe of VSECU and Chuck Karparis of Members Advantage Community CU meet with AVCU President Joe Bergeron to discuss the marijuana business in Vermont and its effect on credit unions.

Vermont Credit Unions On Air

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AVCU's Newest Board Member: Lisa Huyer 13:25

7 years sitten13:25

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Get to know AVCU's newest board member, Lisa Huyer of NorthCountry Federal Credit Union, in this brief conversation with Association President Joe Bergeron.

Vermont Credit Unions On Air

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Advocacy & the CU Young Professional 16:38

7 years sitten16:38

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Hear from young credit union professionals Mahasidhdhi Parmar and Shauna Wheaton about their first DC advocacy experience, and why credit union employees of all ages should be aware and involved!

Vermont Credit Unions On Air

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All About CU Development Educator Certification 26:55

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AVCU Director of Information Services John Cote shares insights with President Joe Bergeron the Credit Union Development Educator certification program from the National Credit Union Foundation.

Vermont Credit Unions On Air

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NEFEC Fall Seminar interview with Terry Field 5:19

8 years sitten5:19

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Terry Field, SVP of Finance for VSECU and a founding member of the New England Financial Executives Council talks with AVCU about the Council and its upcoming fall educational seminar on October 5th.

Vermont Credit Unions On Air

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2017 Strategy Symposium Podcast 7:19

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Jay Johnson, of Callahan & Associates, previews the speakers and sessions of the 2017 Strategy Symposium for credit union leaders from Vermont, Connecticut and throughout the northeast.

Vermont Credit Unions On Air

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Credit Union Young Professionals of Vermont 21:18

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AVCU President Joe Bergeron chats with Sara DeLance, SVP of Retails at Heritage Family FCU, about the start-up young professionals network among Vermont credit unions.

Vermont Credit Unions On Air

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Vermont Legislative 2017 Review & Future 25:23

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High level review of key issues from the 2017 Session of the Vermont Legislature for credit unions, and forecast of what might come up in the scheduled summer re-convening, possible fall session addressing federal fall-out and issues to revisit in 2018. Insights from Association of Vermont Credit Unions lobbyists Adam Necrason and Jessica Oski. Moderated by President Joe Bergeron.…

Vermont Credit Unions On Air

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AVCU 70th Anniversary Convention Preview 20:28

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The Association of Vermont Credit Unions celebrates 70 years in 2017 with its annual meeting & convention on May 19-21. Director of Information Services, John Cote, previews new features and special events of the milestone anniversary gathering of Vermont credit union leaders.

Vermont Credit Unions On Air

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Vermont Election Analysis 28:12

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Vermont 2016 election results as viewed from the credit union perspective. Association of Vermont Credit Unions president Joe Bergeron and advocacy team members Adam Necrason and Jessica Oski review the many changes to the Vermont Legislature and Administration and the probable impact on credit unions.…

Vermont Credit Unions On Air

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AVCU's Indirect Lending Milestone 16:15

9 years sitten16:15

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The inaugural podcast of Vermont Credit Unions On Air explores credit union success in auto lending using indirect lending. Hear how it works, how any credit union can participate and how the program reached $125 million in auto loans in 2016. Vermont Credit Unions On Air is provided by the Association of Vermont Credit Unions.…

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