Fear Is Our Enemy
Like anything else in your life, once fear is properly identified and isolated, it is more likely to stay in its place so that it cannot unnecessarily prevent you from living your life on your terms
Fear can sometimes play a disproportionate role in your life and in your decision making. You may make choices, or worse, not make choices for the sole purpose of avoiding situations that cause worry or fear.
When fear takes up an unhealthy amount of space in your life, it can suppress your desire to learn new things. It can intimidate you into believing that you may not be up to facing the challenges that you inevitably experience when living your life. It can keep you from meeting new people and it can keep you from taking the necessary steps you need to take in order to better understand your environment and everything it comprises.
Fear can flat out paralyze you and prevent you from moving forward, from acting on your dreams, and from pursuing the things that you would otherwise be passionate about. Fear can present a very real barrier to many of the key components of a fulfilling life, such as happiness, peace of mind, enjoyment, enthusiasm, and love.
Today, possibly more than ever before, fear of each other is front and center. As a citizen of our country, you may fear citizens of a foreign country. As a believer of a certain religion, you may fear those who follow a different religion. As a resident of one block, you may fear residents on the next block. As a member of one race, you may fear those that are members of another race. You may spend time worrying about the behavior of others and its potential impact on you.
Many of these fears are uniquely human, meaning that they do not exist anywhere else in nature. Humans have the unique ability to apply logic and reason beyond what exists instinctually or innately. Because human minds and emotions have developed further and faster than any other living beings on the planet, humans operate with greater awareness.
These traits can work against you, as well, for the simple reason that greater awareness of yourself and your surroundings can quickly lead to the realization that there are also many things that you do not know nor understand. Fear of the unknown is natural. At a minimum, it is natural to approach the unknown with caution and prudence.
It is at this point, however, that the divide can occur and the real danger exists. If you recognize what you do not know or understand and move forward, regardless, in an effort to learn something, make a new friend, or gain some experience then it is likely that you are in control of your fear and you are not letting it rule the decisions you make.
If fear prevents you from trying to at least gain a clearer understanding of what is unknown to you, then fear will define your relationships and you will be limited to the acquaintance of those you know well and believe that you fully understand. Fear wins and you lose. We all lose.
In my profession, my number one objective is to proactively identify the needs of the credit union and then to take action that ensures we effectively meet those needs. It is a dynamic environment so I am consistently evaluating and re-evaluating the actions we have taken and the steps we still need to take.
As you can imagine, a huge part of this process is identifying the appropriate human resources that are essential to meeting these needs and making sure that they are in a situation that highlights their individual strengths and puts them in the best possible position to succeed personally, professionally, and organizationally.
If I set out to achieve this objective every day without an open mind and a willingness to meet new people, different people with different ideas and different life stories and experiences, our business would quickly become one dimensional and we would be unable to relate to our clientele, clearly not a winning strategy for success.
At each moment in my life when I have taken the time to get to know someone or to try something new, I have always gained from the experience. I do not mean to imply that I like everyone that I have ever met or enjoyed every experience that I have ever had, but I can tell you with certainty that I came away from each instance with more knowledge and a greater understanding. Even if the knowledge I gained was of somebody or something that I wanted no part of, I was more informed and I certainly was no longer fearful of whatever had previously been unknown to me.
Complete freedom from fear is probably unrealistic and it may not even be desirable. A little dose of fear helps to keep you grounded. Fear brings rationalization into the decision-making process. It is always important to consider the negative side of any choice before it is made and rational fear usually comprises a healthy portion of any potentially negative result.
For instance, fear has a rightful place in your mind before you decide that you are going to bungee jump off that bridge. Fear belongs on the handlebars in front of you before you decide to crank your motorcycle up to 100 miles per hour.
Your task is to make sure that the fear you recognize and acknowledge in the choices that you make is proportionate to the decisions you consider and the consequences you face. You cannot let fear control you or divide you.
Armed with the knowledge that fear often is a byproduct of what you do not know or understand, perhaps you can all take a small step forward if you are willing to take another look at a situation, a person, or an event that has been the source of that fear.
Like anything else in your life, once fear is properly identified and isolated, it is more likely to stay in its place so that it cannot unnecessarily prevent you from living your life on your terms.
In addition to identifying and understanding fear, you are probably already aware that you will also need a dose of courage to properly handle it as you progress through life. I have included one of my favorite quotes as something else to think about. You can find it in Gold Star Families Memorial and Park, the nation’s finest tribute to Police Officers who have made the ultimate sacrifice.
“Courage isn’t freedom from fear, it is being afraid and moving forward anyway.”
I Was Wrong
I continue to be wrong everyday because being wrong is a byproduct of making things happen.
I was wrong. Last week, yesterday, and today, I was wrong. I guarantee I will be wrong again tomorrow, too.
I have been wrong a lot and in a variety of ways. Sometimes, I am wrong because I misunderstood what was being asked of me. Sometimes, because I missed a key point. Sometimes, I am wrong because I did not adapt my thinking instead of sticking with what I always thought, and sometimes I am wrong because I acquiesce when I should stick with my original position.
In many ways, I think that being wrong so often has contributed more to my development as a person than when I have been right. I’ll try to explain.
Because I have been wrong so often, I have gotten better at identifying my mistakes and limiting the damage they can cause. As an example, when I was young, I tended to be wrong more often because I didn’t listen to more experienced people and I didn’t value outside opinions as much as my own. Now, when I am wrong, it is very rarely because I didn’t listen to others or failed to collaborate.
Because I have been wrong so often, I have accelerated my self-improving tendencies. I am more aware of my flaws and shortcomings because of the number of times I had to acknowledge that I was wrong. This increased awareness has helped me to address those flaws and shortcomings more directly and over a shorter amount of time.
Because I have been wrong so often, I have found that I work even harder to make good decisions. I don’t like being wrong. It is only natural for me to try harder to avoid a situation that does not suit me. Additionally, when I am progressing through key aspects of a decision, I know what mistakes to avoid because of my awareness of what I have previously done wrong.
At this point, you may be asking how I could possibly continue to be wrong so much when I am concentrating so heavily on limiting my mistakes and learning from previous shortcomings. Fair question. Simple answer.
I continue to be wrong everyday because being wrong is a byproduct of making things happen. I know that I cannot possibly be right about anything of any import if I have not been wrong before, without, of course, an extreme amount of luck.
Don’t get me wrong, I consider myself an extremely fortunate person. I do not, however, take my good fortune for granted and I certainly don’t build luck into any of my decision making. On the contrary, I make my decisions with as much purpose as I can muster and I typically do so counting on the fact that luck, to the extent it is present at all, is not going to favor me in that particular outcome. Doing so makes my decisions sharper and more focused on the things that I can control and influence.
Over time, I have also realized that my awareness of how often I am wrong has contributed greatly in my effort to be empathetic and considerate of others. Acknowledging that I am wrong requires a certain amount of introspection and reflection on my part. It invariably includes an exercise on what I might have missed or what I can do better the next time. If I am in that mindset, I am better prepared for my interaction with others.
If I already know that I have been wrong before, I am less likely to jump to conclusions about other people and their opinions and decisions. This leads to higher quality discussions and interactions with others because I am more open minded before, during, and after. I often learn something of value, and I gain appreciation for alternative viewpoints and perspectives.
Another benefit of being wrong is that I…wait, I just realized that I am two thirds into this stream of consciousness, and I haven’t stopped talking about myself. Here I am discussing the importance of self-improvement, empathy, and collaboration and I have solely focused on me. Please forgive me.
Now, about you. You’ve been wrong too, a lot. The better question is what have you done about it? Have you acknowledged it all along? Have you made it a point to learn from being wrong, to use what you’ve learned to implement improvements in your decision making?
Or, have you been spending your time throwing up smoke screens and defending your thoughts and actions without regard to how fair or correct they were?
If you’ve been wrong and continue to be wrong on a regular basis, good for you. Let’s talk. I am certain I will learn something from you and we’ll probably have a great conversation.
If you truly want to make your mark as a friend, as a parent, in a career of your choosing, and as a responsible decision maker, you are going to have to make things happen. When you make things happen, you are often going to have to effect change and, when you effect change, you will almost always meet with resistance and skepticism.
If you already know that the change you seek always begins within yourself, you will be well prepared to listen, to collaborate, and to absorb alternative views on your way to making things happen.
In this context, don’t you think that we would make much more meaningful progress as a society trying to move forward if we all took the time to talk about when we’ve been wrong and what we are doing about it instead of spending so much time trying to convince everybody how right we are and how wrong they are?
This article is part of Scott Arney's educational series, entitled The Serial Decision Maker.
What is fair is that even though you will rarely, if ever, play on a level field, you have the power to determine how you are going to play the game.
That’s not fair.
Life isn’t fair.
How many times have you heard these statements uttered? I was thinking that instead of trying to define an intangible, highly subjective concept such as fairness by what it is not, it might be worthwhile to take a crack at what it is.
Let’s start with the cliché of a level playing field often used to symbolize an equal starting point for anyone involved in a competition. When I used to coach soccer, our games would always take place on fields that were part of a larger park. The league would do its best to identify the best area of the park to stripe and mark off the field.
Early on, I realized that there was almost always a slope to the field. Sometimes it was a gradual, barely discernible slope and sometimes it was more like a small hill. Either way, the playing field was literally not level or even. So, I decided that we would use that to our advantage and each week I would make it a point to be the first coach to arrive for the game.
Upon arrival, I would stake out our practice area at the goal that was at the higher end of the field and that is the goal that we would be driving toward when the game started. Because teams switch sides at halftime, it also meant that we would drive toward the goal at the lower end of the field in the second half.
The first couple times I did this, I let the team know that they would be running uphill in the first half and I emphasized that if they could grab the lead or at least keep the game close in the first half, then the second half would most certainly be ours to take full advantage of because it was easier to run downhill. They soon grasped the concept and we all adapted that way of thinking without having to talk about it before each game.
I have no idea whether that strategy made a difference physically, but I know with absolute certainty that it made a difference mentally. The whole team bought into the idea that it mattered and that is what counted. Invariably, if we had a strong first half, we stomped the other team in the second half. If we had a tough first half, the team was visibly energized by the thought that the tough part was over.
Of course, we did not always win. We did, however, always create at least a slight mental advantage that put us in the best position to win. We simply took a situation that could have been construed as unfair and used it to our benefit.
So, here’s the point. There is nothing in life that equates everything for everybody other than living life itself. You are not promised a rosy future when you are born. There are no rules anywhere that mandate that you will earn the same living as the person standing next to you. You are not assured that your circumstances will be easy or that you will be surrounded by love and friendship. In fact, the second that you begin living, the exact opposite is true.
You will absolutely experience adversity. You will experience hurt and loss and frustration. At some point you will be in pain. You will be fearful. Is it fair? I don’t know, but it’s life and, in life, everyone has things to deal with that they would rather not, and everyone deals with events they would rather not experience.
What is fair is that even though you will rarely, if ever, play on a level field, you have the power to determine how you are going to play the game.
You have the ability to reason, assess, and to exercise your own logic. You have the greatest power of all, the power of choice.
You have a chance to do well, to succeed, to find your unique talent and excel regardless of how the game is being played or what the other person or team is doing.
If you have that chance, that sounds fair to me.
This article is part of Scott Arney's educational series, entitled The Serial Decision Maker.
Patience (and Tolerance)
My dad used to joke that he could never be a doctor because he had no patients. I deliberately misspelled patience to convey the word play because it is really difficult to tell a joke one dimensionally.
Okay, moving on before you lose patience with me.
Patience is tricky for me. At best, I am a conditionally patient kind of guy and those conditions are often only known to me. By this, I mean that I believe that patience isn’t simply practiced, it is also earned. I will do my best to explain using real life examples, but I am not going to promise that you won’t lose patience with me before I do. Here goes.
I have patience for student drivers and for kids who have recently obtained their license. I have no patience at all for people who hold up traffic, driving 20 miles under the speed limit in the fast lane while texting.
I have patience for employees who show up every day ready to learn something new and to challenge themselves. I have no patience at all for an employee who asks not what he can do for the company, but what the company can do for him.
I have patience for anyone who exerts an earnest effort, but falls short of his or her goal. I have no patience at all for those who set no goals and demonstrate no ambition, but expect the world anyway.
I have patience when a contractor calls to tell me that he will be late or postponed. I have no patience at all for the contractor who delays my project with no advanced notice or any explanation.
I have patience for great causes that may take some time to find their way and gain traction even if it means that I spend more time working on behalf of them. I have no patience at all for poorly thought out, unorganized efforts that go nowhere, but waste time indiscriminately.
Basically, I find that I have all kinds of time for people and causes that are genuine and not so much for those that aren’t.
I look at it like this. My time has always been precious to me and I am judicious with it accordingly. For the most part, I have become adept at assessing a person or a cause and then determining with accuracy whether I should be patient and invest some of my time and energy. I think that skill has helped me to derive more enjoyment from my time than I otherwise would have if I simply offered my patience unconditionally. I also think that practicing this skill has made me a better decision maker.
In the spirit of full disclosure, however, I can tell you that I am not always patient with myself and I absolutely react too impatiently to certain situations.
I am a horrible handyman, but I still approach every household project as though it will only take a few minutes and when that turns out not to be true, I immediately get frustrated. Along those same lines, despite having a very limited toolbox, I still somehow expect to always have just the right tool for the job only for my unfounded optimism to turn to instantaneous ire.
I love animals and I full well know that pets are a lot of work yet when our dog is in our backyard for two minutes and somehow comes back to the door filthy, it often is a true test of my patience.
So, I guess what I am saying is that even though the concept of patience is obviously something I have given a lot of thought to and have gone as far as to categorize it, even I can’t fully explain how I apply it. I think this is because somewhere along the way my patience or lack thereof intertwines with my tolerance. This then leads to the question of whether a person can be patient, but intolerant or impatient and tolerant at the same time. I think the answer is yes, which really starts to create some confusion!
Clearly, patience can and often does go hand in hand with tolerance, however, the opposite is far more interesting to think about. Using my previous example, I am apparently patient with our dog, but intolerant of the mess she creates. Similarly, I consider myself to not only be tolerant of, but interested in the many varied opinions of the people I interact with on a daily basis, but if one of those persons takes too long to state that opinion I may grow impatient with him.
In these instances, I need to be careful not to convey the wrong message. I want our dog to know I love her and that she is not in trouble just because she goes out and does what dogs do. I also need my long-winded acquaintance to know that his opinion is just fine with me even though he may not be as concise as I would like him to be when sharing it.
If I think of myself as patient and tolerant, but my pets and friends don’t receive that message, then the virtue of my patience and tolerance is completely lost because when it comes to matters such as these, the only reality is the perception of those that you care about. The challenge isn’t to make myself more patient or tolerant. The challenge is to make sure that I convey whatever level of patience and tolerance I feel in a clear and appropriate way even when I am the only party involved.
I am going to continue to work on my own patience and tolerance and hopefully improve upon it, especially the way in which I convey it to others. I value self-awareness in others and I need to make sure that I practice it myself. In my opinion, anyone who comports himself in a manner that indicates he knows who he is, how he portrays himself, and is respectful of others along the way is very likely worth my patience and tolerance.
This article is part of Scott Arney's educational series, entitled The Serial Decision Maker
Medium: The movie “True Grit” (1969 John Wayne version)
Line: Rooster Cogburn: Young fella, if you’re looking for trouble, I’ll accommodate ya’
Quintessential John Wayne and a great tough guy line.
This post is part of Scott Arney's series, entitled "Arney's Notable Quotables"
You The Conqueror
(This is the last chapter of Scott Arney's Super Hero Series, which starts with Fear is Our Enemy)
Many years ago, my wife and I lived in England. One of our favorite places to visit, while we lived there, was the Tower of London. It is full of 1,000 years of history and every time we went, I learned something new.
One of focal points, at the Tower, is the story of William the Conqueror, a key figure in the rich history of England. His is a story of victory, courage, and success as an early leader of the country, which is all great, but I have always been more fascinated with his name.
Was he known as William the Conqueror while he was alive or is that a moniker subsequently invented by biographers and historians? I don’t know, but can you imagine the advantage you would have in your career today if you were known as You the Conqueror?
I would be willing to bet that every one of your calls would be returned promptly. Everyone would undoubtedly pay attention at every one of your meetings. You’d probably be able to get a reservation at any of the best restaurants. Your resume would be at the top of every potential employer’s pile were you to ever be looking for a job.
You get the picture.
While I was writing this super hero series, I realized that if you incorporated all of the processes and suggestions that each of our five super heroes have outlined, you would become You the Conqueror in your own personal way.
I wouldn’t necessarily suggest that you begin to openly refer to yourself as such, but you would surely gain the inner strength that you would need to feel like a conqueror. After all, what else could possibly stand in your way?
The only other obstacle that I can think of that we have yet to discuss is the fear of success. Were you to achieve success, particularly of the consistent and prolonged type, you most certainly would also incur increased responsibilities and additional expectations. A brighter spot light will almost always increase the amount of scrutiny you face. The more success you have and the more attention you receive for that success, the more people will be inclined to criticize you. The more relevant you become, the more opinions people will develop and those opinions will vary greatly.
Everything that you achieve extracts a price from you. You could be forgiven if you were hesitant to run toward success if these consequences would be the price that you would pay for it.
At this point, however, there is no logical reason for you to feel overwhelmed or that you are not up to any of the challenges that your success might bring your way. Besides, you aren’t just you anymore, you are You the Conqueror!
What you can and should do is figure out the exact price that you are willing to pay for success and then set your aspirations accordingly.
As an example, you may decide that you are unwilling to travel extensively for your career even if it might mean that you will make more money. You may determine that you would like to spend more time with your family in exchange for a lighter travel schedule and less money.
You may decide that you are best suited to work at a smaller company because you value the relationships with your co-workers and you believe that it would be more difficult to achieve those quality relationships at a larger organization.
Perhaps you place loyalty at the top of your list of redeeming qualities and you decide that you will continue to reciprocate the loyalty you have been shown by staying with your current company rather than looking for potentially greener grass elsewhere.
The great thing about your goals and how you define success, is that they are uniquely yours to create and subscribe to. The balance and harmony that you seek in your life are yours to develop and you are the only one who gets to determine when you get there and what you will do once you are there.
You have the tools to make your decisions in a guilt free environment, without self-imposed limitations. You are free to pursue your own personal perfection while embracing all of your imperfections. You have strengthened your resolve so you can proceed forward without worrying about being knocked off your path. If someone or something tries to get in your way, you know exactly what your options are.
You have so much momentum and so many things going for you, success should be the last thing that you worry about. The only thing left for you to do is to go out and achieve your potential.
You are You the Conqueror!
This is the last chapter of Scott Arney's Super Hero Series.
Be sure to check Scott's Spot on Patrolmen's Dispatch for each chapter of his Super Hero Series, which starts with Fear is Our Enemy; and his ongoing Serial Decision Maker series.
Knowing how to do your job is very different than knowing how to help someone else know how to do their job. Anybody can tell someone else what to do, but that will not help them understand why they are doing it or what its correlation is to their success.
Decision Points are part of Scott Arney's educational series, entitled The Serial Decision Maker.
Accepting that absolutes and extremes are rare and not representative of reality allows for you to also accept that not everything is exactly as it may appear
Sometimes, reality is harsh. Reality can also be stark. Your own perceptions may even define whatever you deem reality to be. In my experience, reality is most often gray.
Recently, I was having a conversation with a close friend and we were comparing notes on parenting and business and he made a very astute observation. He noted that social media leads us to believe that reality is absolute and extreme.
Somebody who is out having dinner posts a picture and wants everyone to know that they are having the greatest dinner ever created. A parent takes a video of their child doing something around the house and it is shared as the funniest thing a kid has ever done. The weather forecast doesn’t just predict that a storm is coming, it is going to be the mother of all storms. Harmless? Maybe not.
What about the kid who happens to be caught on film in an embarrassing moment that spreads across the digital universe because somebody happened to be right there with their phone and an app? We all have embarrassing moments. I do several times a day, but this person had the misfortune of having his moment caught on video and now he will be forever labeled as the goof in the viral video for all to see.
Whether it is implicit, such as the “we’re all out having a good time” post that you are not included on or explicit, such as the “you’re not one of us unless you are wearing these shoes” post, the social media version of reality is absolute and extreme.
You are either popular or not. You are a republican or a democrat. You are wealthy or poor. You’re either in or out. You are having the most fun doing the greatest things ever or you are by yourself doing nothing.
How about reality tv? Does anyone ever wonder how real or spontaneous something could be if it is happening in front of a camera crew? Are people really surviving in the wilderness when they are surrounded by a television production company? Do people genuinely fall in love in front of an audience? C’mon, let’s get real.
Very rarely is reality absolute and in no way is reality as it is portrayed in these examples, however, this is not a commentary on the evils of social media. The fact that reality is gray is a good thing and cause for optimism.
Most of life takes place in the middle. Some of the excitement comes into play when you do experience an extreme moment, but if you only live when those moments occur, you are going to spend an awful lot of time waiting around and missing out.
Accepting that absolutes and extremes are rare and not representative of reality allows for you to also accept that not everything is exactly as it may appear. Perhaps someone who you thought was rotten has some good qualities after all. Maybe the real world that you reside in isn’t as far away from everyone else’s reality after all.
Absolutes divide us. Think about what it would be like if you just concentrated on who you are and what you think without the burden of being labeled and categorized. What would it be like if we stripped out the politics of politics?
I would be willing to bet that if we all sat down and answered topical questions without being led to believe that our answers would define us as necessarily being a republican or a democrat, we all would be surprised at how undivided we are. How many of you want to have clean air to breathe and fresh water to drink? Does anyone object to that objective? Is crime a good thing or a bad thing for your neighborhood? How about quality education? Anybody against it?
Is it possible that if you are not obsessed with what you perceive others are doing, you may concentrate more on what you are doing? Do you think that if you realized you have more in common with your neighbor than what you initially thought, you might be more inclined to strike up a conversation?
Extremes are not inviting and there isn’t a lot of room for people where they exist. No one, except for Santa, lives at the north or south pole. The weather is harsh, and the environs do not lend themselves to sustainable human life as we know it.
There is, however, plenty of room in the middle. It is neither too hot nor too cold. Unique qualities are admired not scorned. Alternate views are debated not met with contempt.
Extremes and absolutes promote closed minds and hatred for all, but the few who think and act and judge as the other extremists do. The proliferation of these extreme views leads to a cancellation of each other and the expression of creativity and new ideas.
I don’t always remember how gray things really are. On occasion, I will absolutely label someone who cuts me off in traffic as a *&@x!*+&#%!!! I don’t always welcome disagreement with something that I strongly believe in. I am not always in a good mood and I have yet to live a day without finding something that I could be better at.
Overall, however, I prefer to be curious, ask questions, seek opinions, and to collaborate with those who want to share their thoughts. I do try to put myself in other people’s positions and to appreciate alternate perspectives. I have certainly realized that, over time, I have learned far more from someone who had a different take or a more well-rounded approach than the one I would have stated or employed.
Lastly, you might be asking yourself if it is gray or grey. The truth is…it’s both. Gray is the more commonly used American version and grey is more commonly used in Great Britain. It makes no difference to me and, however it is spelled, it is the color or colour I prefer for my reality.
A New Use for an Old Cliché: Diamond in the Rough
I have always interpreted this cliché as a reference to someone who is more valuable or may have more to offer than what you might think upon first impression.
As an employer and someone who makes frequent hiring decisions, I find this possibility appealing and I always feel a real sense of accomplishment if I identify someone who I think may be a diamond in the rough. Here’s why.
First, a person who I may think is a diamond in plain view is not always as capable or as valuable as I perceive them to be. If I concentrated all my time on candidates that presented themselves perfectly and had all the right things to say, I would likely be disappointed a good percentage of the time once I saw who they really were. What may appear to be the easy decision isn’t always the best decision.
Conversely, diamonds in the rough are often unaware of their own potential. They are frequently understated and not used to attention or the spotlight. If I can correctly identify a real diamond in the rough, I am able to create an opportunity for someone who might not otherwise have gotten one simply because they were unable to display their full personality or character traits. When this happens, I am usually rewarded with a very engaged and motivated employee who is eager to discover how successful he or she can be.
This cliché is a great reminder that people are very rarely exactly who they appear to be, especially if I am basing my perception on one meeting or on an otherwise small sample size. No matter how trained or adept I think I am at reading people and making accurate assessments of them, it is an imperfect process.
Doesn’t it kind of make sense that if I am using an imperfect process in an imperfect world to identify a new employee, the imperfect candidate might just be the perfect choice?
By Scott Arney, Chief Executive Officer, Chicago Patrolmen’s Federal Credit Union.
This article is part of Arney's new series, entitled A New Use for an Old Cliché.
This installment is part of Arney's educational series, entitled The Serial Decision Maker.
The Serial Decision
Patrolmen's Dispatch is honored to feature the insightful blog of Scott Arney, CEO, Chicago Patrolmen's Federal Credit Union.