"People are very fired up about it and excited to do it. It's really a good experience." CUNA Grassroots Manager Gretchen Graf on CUNA's Project Differentiation. "The human resources problem is universal among credit unions, but the solutions aren't. Credit unions need a national company that's totally devoted to serving credit unions and providing them quality HR services." John Franklin, president/CEO, South Carolina Credit Union League on the new HRValue Group. "What's next? If credit unions keep listening to people that tell them to get out of profitable businesses then we'll end up just taking savings accounts." Rex Johnson, Lending Solutions Inc. president on why he's against selling credit card portfolios. "The bigger the number, we think, the more favorable." John McKechnie, senior vice president of governmental affairs for CUNA on the decision to add Sen. Joseph Biden's (D-Del.) to the bankruptcy reform conference committee.