This is Gary & Sandy. This is Sandy & Gary, recently minted Vision Credit Union members. This hardworking couple owns and operates a restaurant, catering service, bottle depot and laundromat. It’s an all-hours, six-day-a-week job, says Gary. They haven’t received their first Vision profit shares return, but given that Vision returns about 75% of the institution’s profits to members, Sandy and Gary are looking forward to the windfall. Can you say, holiday fund?  What’s your share?