Through our clients, and through the work we do in the industry either through sales efforts or educational/partnering projects like Member Value Network or Callahan & Associates. It is important that credit unions focus on what works for them based on their scale, ability to reach members, and controlling costs. CU*Answers will be hesitant to spend funds to chase MBNA and others who rely on a completely different set of market conditions to make a dollar. Credit unions must use the advantages we have as cooperative organizations to tailor products, control costs, and evolve value.