From 1956 through 1958, I attended Stillwater Elementary, a small schoolhouse twenty-two kilometres south of Powell River. Its three rooms accommodated six grades, and children were summoned to class by a hand-rung bell left over from the region’s railway-logging days. One ordinary school day, a visitor appeared. She was Ruth Allan, known locally as the “Credit Union Lady.” She lived to be 102 and touched the lives of many people.

Lucky that you have a useful advisor at your Chilliwack branch. I've dealt with Vancity in North Van for many…