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December 2, 2008……….I was at a credit union in Antioch, CA..  This was one of the disappointing experiences.  I have known many of the members for quite a few years but not that many showed up.  It was in the evening but it was not raining and most live in the area.  I felt sorry for the staff that set out refreshments and manned the office after closing hours.   However, I didn't let it dampen my spirits and I enjoyed all who came in for a signature and a brief visit.  It had been several years since I had seen some of the cheery faces.