baby food has to go good. in this case stirling peak which sounds like they're doing a great be job. they have to do great service and that's what differentiates them from the big guys, from those big block super realtors that are out there and i think that's the key part they want to remember. don't be like them. be yourself. by being yourself you can differentiate and you can have that specialness that makes people want to come to you. in today's "where's the money"? credit unions. how do they differ from banks? how likely is it that you can get a loan from one, and how do you know where to even find one? basically we're going to explore whether going to a credit union is a good 0 option for your company. paul is executive vice president at the credit union national association, a national trade association for both state and federally chartered credit unions located in the united states. good to see you. >> great to be here. >> we hear so much about banks