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Credit unions are numerous across the nation and are owned by their members instead of investors.  The elected members who serve on their governing boards have a conscience.  The US government should pump money into credit unions, which would loan it out instead of hoarding it, because they haven't destroyed their balance sheets as a result of gambling in risky mortgage securities and their derivatives.  This is another avenue to bring credit where it's needed, in addition to those proposed. - by BOB GERECKE

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