Between my online catalog and car shows I had little time to turn wrenches, but I had built a fantastic crew. I spent most of my days buried in paperw...rk, not how I wanted to spend my days but it left no time for idle thoughts of Lindsey that seemed to come out of nowhere. One early summer day Karen stopped by, I had half a mind to avoid her, maybe have one of my staff say I was unavailable. But maybe she wouldn’t bring up Lindsey, after all, our sons were very close still. We sat and talked. The retail end of banking is not very lucrative,particularly with credit unions, which refuse to charge high fees totheir users."What about part-time branches on alternate days? That would cutcosts," Dale suggested."That still wouldn't work. Branches could be set up on a desk at eachband office, and perhaps an ATM outside. But the labor costs wouldstill be too high. You would have to have someone going to fourdifferent reserves of that size to break even." Then do four," Dale said. "Mornings in. More

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