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 can walk into this credit union, you can walk into a bank, and you've got ....
 You don't even have to walk into the credit union or the bank. You can sit at
 home at your computer and pull up a check image of a check you had written a
 day ago. Now, we're moving to, it's called check-twenty-one. Well, you
 probably do it now. When you go into Wal-Mart, let's say, you write them a
 check. They put it in their little machine. They encode it right then and there.
 What they're doing is clearing that check, so there's no more float. It's gone
 from very simple and very slow to rapid city. It's also convenience, and that
 probably is because of the mindset that people have. It's got to be convenient.
 It's got to be now. Maybe, that's our society as a whole. Nobody wants to slow
 down. I remember the funniest thing, and I'll never forget this. We had a
 lawyer. His name was Marvin Pipkin, a wonderful man. This was before all
 these fancy computers, [the days of] fax machines, [or when] computers were not
 really widely used. I called him one day and I said, Marvin, when are you going
 to get a fax machine? This is ridiculous! I have to mail you things! He said,"I
 don't know. I'll probably get one at some point in time, but I'm going to hold out
 until the bitter end. I said, why is that? He said, well, if you think about it,
 you've got to sit down. You've got to write me a letter. You've got to get it in
 the mail. Then, it takes a couple of days to get to me. Then I get the letter. I
 can chew on it for a while, think about it. Then, I have to write you back. Then
 you get the letter back. We've had some time to deal with it. He said, if you fax
 me the thing, I have to answer and you want a fax back in five minutes. He was
 right. Of course, he got a fax machine. He was so funny when he said that. I
 thought, you know, this is the truth. That's good and bad. That's just the way
 things are.

H: The times change.

M: Absolutely.

H: [Does] the Sea Island tradition, have a home here in the credit union? The Sea
 Island tradition, as I've been reading about it, is how they [specially] treat the
 guests.

M: Oh, heavens, yes.

H: It extends to the [members of the credit union].

M: I never really thought about it that way, but I guess it does. The guest is the
 most important thing. Without the guest, you don't have a hotel. Without the
 employees, and without our members, we don't have a credit union. That's what
 I was saying, the banks have come to realize that's the way it is, and that's an
 important part of the whole picture. What we do here, is the member is the most
 important process. They own this credit union, basically. Without really