Monday, March 4, 2024

SECU Financials - Why Level With SECU Members?

https://images.saymedia-content.com/.image/t_share/MTc2MjkzNzczNzQyMDU2NjIx/checking-and-using-a-spirit-level.png Because if you don't level with the members, you will eventually lose their trust ...

✅ One final absurd and disheartening example:

It would appear from these financials released to the membership, that SECU has reversed its 2-year long slide in growth - up 7.07% during 2023 !; well ahead of the board-approved strategic growth target of +4.50%.  Exceeding the Board goal by + 2.57% (7.07% - 4.50% target = 2.57%). A great leadership success!

What if we were to adjust that asset growth ratio to reflect that "unusual" $5 billion loan from the Fed? Pretty sure that would be more transparent, wouldn't you? After all, if the Fed - out of the goodness of its heart - were to loan you or me $5 billion, would that make us billionaires? (Even if we fled the Country, they'd find us! Oh yeah they would!!

On December 31, 2022 SECU had $ -0- in borrowed funds, a year later on December 31, 2023 SECU had $5 billion in borrowed funds. So, lets subtract that unusual $5 billion borrowing and compute a more transparent growth ratio, okay? 

The assets at December 31, 2023 drop from $54.58 billion to $49.58 billion ($5 billion lower). The Credit Union's assets at 12/32/2022 were $50.97 billion. That would indicate a drop in assets of -$1.4 billion ($50.97 - $49.58 = - $1.4 billion) during 2023, not a growth of 7.07%!

Meanwhile, deposits at SECU declined by another $102 million during January, 2024. Two down years in a row, working on a third...

Guess you could spin that as "negative growth"! Why not? Would make just as much sense as "artificial intelligence", "virtual reality", and "We Are SECU!".

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6US2xbpjT2jDI48uzxO376FvEdxU7aEPRCKmO2scHaMPfQN5gJyHlCK93en/7xn557tpsO7FoG62UJBrdtpVmMx4FczThgEk+IEe37brlh14E9iaMN0rSbRZFmJwwTFUCsWQIrqFk9ArOsaPiuONA2wcAMRyjDNM0K3BjHD/plceNtu/bdsueph57DICt0Qjkj13KSJMemzfNEt2wIlLPNAlcyOHjgdnS0GBPEu15DG1uRVr4p3Af/IzQZpBP4th+sdYaeP52DioRG9SLNtCwl3MkJKoSQFsbICbId+xfsptbL0wEQ4lqr6JVG1A/jzDJj0071EnMsNvUR3O7YYZoZjFnpgEzXw6zsxklc5m5T27VnoTCxbwm+poaN3IsKnKgi5g6JBtfDmHkWxo5u9tvdZ548HoWvASd16dhg4aCS3ST6KVSv0iuWZX/kIx85cOuBfthFfCQJOgrGE2ZVPYf2wZRka2p6Zm2iVlgyzTF2puII5jvudPtrq6PBkGsz24gKwld5DomRGszSqNMZti8bDB+uRKTpZQzlYZM1Pc+3c+XQwLDK8YPKREZIBAL9IpaoNuwO/vR/f/Y//6ffPXr0GH1+LW1ssIgNiD8PTeP0FlCP1lkbzs1P/Oqv/7JRS8O8a7o6I8rizLM9k0iBcpJhMOxny/Mb05N4awl5GyFObEw96gx65y6U6721M2esJBkkUWrpaanF+JW6sXzieLy6PFg+075wWssiXG1+itKMbXNixrQknoMUtQgr5qibjeEIXHEEteFFtmpN1w5uuenmPbu2Kx2+dbjGlllIIbQc8SkmD5v07LHL/+O/fmbfdTfe9977t03O9VcJihaWWNcmeSw8PtIKKE2yD7hm6DIvCBKIATuN+0jIrzh7/MTz3/n22vLFd9zz3rlaq1ycRXWiFyCLZDDsXbz00MPfcjzvwDvf2WxOeJ7HDMVwGZTVqOu2A6EDO6KIWL+oQYxAgjql7jlkvGPbKMN4NLVr+pOf/FhtMkADIAW3jNbYYNFXqwq2qeDHmedXuseLJ58/8dzXPmNHXpBPEZEqDCgpiwqiS7aRbgR84V7JHlq2UBkaMClsogtJ1Lt8+egTT/7wO9+dqLVuvG6PuXM+LVK6ZZtat9PpLq989a++sLh03Q1veTsA5qgDsmUixSX+gteDuaCXVVKS+eA6qIe4H8H82HDy2EwpmXjgvg8v7MX4IiAhAcYtt7HBQgEL5wtxGVqoTU9NQQbT9Wkz8vB4LWKVBmFghFRhOQj7XLn/4qsRemGASCVhyAxzyByGkaS78rTfWYNWls+cLNOESA1guJaFfMYouHDmdNrrDbudsD8gZW9Co0RVJWBIJAxzRFGTEBQNVaLsdAx1BJjk9ZFcPMizCu/CofjxZ/52aefc7Xe/7Y0DCx4RIIjEZZnlW7tvXjjw1u1HHz8/ke+xCx8ZLBFijHsyyCQepBSjYA8bozB1Ipm9Xm8xYVCI/9xB2SXDXtwr4A4D8a8TArVS3SUYD64kWR3P9nGkzVxL+sM2TER8CiMChkZqhmGM5iVYiPnJFQAmdgEBV2Dim5h3xCscQP3KZx+OP99ZGRy58+7bXwtYYxMlChCkEOD4+vTNmTR+7d9+Yufu7aNRRGQAnIjdASgSBzJAnDC9YgiKMNEhq36/n2FFCOTIq8L1nev37vYC1/KcHbuv8xtuHsZiU6XovjIIgpmZmcZEI6h5tVbgunAcRAPsRhprnfVeFBHiENtEAlaQrwAphrxQPsLMwEYrWv50Nijznj7TWPzA3R/cMllx4dhsKNrIMmyMHyjMiDXH8XbYk7snzh45FUYrluGXKQozBw2HFDwhHBRSqtcy306LkV4Mz2A5ZZFXjkpzxI1y/fqb77zjVz61+K4X33TfT8dTM9vPuMVyogeal6XWtHPju+58b/Qbhunsf9fPpHiVZlomaQ1DNPPii4NgRC0T5AYV1Zk4C5NLiBb0crGCzVERpKv2qrkY3/a+A++79+e27yJav/U2NlhiuDO9Qiqi+8Uq1fS9+3c9+ZXDmp1nUcq8Mq3iPOa6bTkxFhXBnMLCWMAEv3D6XNwNMVNtG8FkxJyvaQ888IDB2Mo8juO8H586dMxuefuatWykb59b/OQv/0oGHFYgQWokGvH9zBq2h+dOnrcwgLl7RVZCWdIlEfswIkY8hk2Z33jzzf/yP/xcfYfITfXr1jdjsyHaBKrRpJcAjcCVONGtb71xcjEYat3cjDNorxR86DQmQo5CMHQ4xzRtM3cuHF9ZPnIuwPQchmYckRsV3xcoSGMh9eMyWR6sPHf61BNHjU7hw+uhSCR+LZLEKXS/tHwcxIF19oXl5eMXTCLIRCvkWTCjiiDLHOJaWBHKxXUzU5/ZPl9fVBC6eiJ8uvU2NliIaiSQ0BMTirEs85kTn3rH3beFZSe3EomhI9fxHVWOGmNfsWzhIJZKN1wLn/ves8VqFCSGPoygNy2OskFIXEofaF5kXz56ce14O7wQLT933ostJ6KWUtcjMtemjc/ZjYt2Zg7spx95JuxEgR3YpWOWNpYcBJbDfmJtKS1IzyDWwjp94ryG6yRMILpR9rbaxg7R8ESISYLJApTsETlC6O+Y3/nEIz9M+jiHeKsmHCdgijymgA+rCu9F1BTCptfv1Ai8T9ZhyyQJS2gxLALidiPn8otrRx48NFqPylhPwtH84qxXc6N4hDJIiE6EWS1xaqn/zMPPPPft53Uiz4Zn5y6aT2W9QcpCLdIDcFP2h2mZTrfTnpic4NCx4yfa7e62hemtYjW+gBf3Aiwq9gcvogRYPrl29ORxcZ/T2EXuo7RtRIYU0NBtSMw2sftjnaOlH60Nnvr7Z22/PrNnTlkI0KJjJWb3bOexrz6qnQnrVitN0v7Z4WNfeey29x9s7ZyJR3gDec30CFacOn7h8a88Ufap9bIIUcHviAIkPHYKTgKTw/Qxl9i0JTUQJHtK/bN/+Of6VHIxvHjne+54y8F9byRYMT0R1qKfQMZHdyCib3zj2+vtUdOeo94KUYXEoFbIEHTqmAlSbsUxEXWunRnrL47+4fPf33HTrrld23zfDYe900fPnD9yLu0Ma0UjCxPHNHMC9Uc6j6w/unTjjrkdC0Gz0RmsXj52/sgPjhkDM0h9Zb5S3ADBijWPUAcFxBXKGDFADJCIts08ObkduOuDzvb5bR94z/u3jBQXjs3Dtgo1SnhW6UFugdiB8Saa05a5hr2UD8m4ULLAjOPgEmvSiVgy3XBElKYCVmFCX/H57MW1E6d+eEp8wDhOR5mZGY74ORKSIZtPxq8cGMM4Pnzx2KnGOcOx8yhLO6GZOTan5cyYi67h2ZX8VCiAF4U6OFa4qMRtis5orTnpb9u97a5bbr/z/e+c3B68oWBtiCz4sDIF6RfMGGu7d+56fPS0KV4Q4sJIk1j3yYwmtpjT8AcnMS63SBFexGiQ9wj3jOBpZiTQhahYdKhhpQbxGxxwMIO6LChFy4yMpIceg4qXB6T/pIZBDCoKCk3SFDgIjniLmAvED7FYHGgZC8O0rESP33HvXT/7ibs00mh8lIG8ZbzGpizcVPUwpUYFAbotwC1tX8BeR3RAR0gxwgFkq8SNtohJYWpYmKfYXlgQQjVIviRG7cPKBPGhA44SuivKEZEJbokiULPi4nmLkEQMinZAcIO4hWhiV/QMEdRiRIwD2BFPaZE5nk8iCZh0M4/KsPSSZ48/9b78rkBIin6K1JA+b6mNDZYYgTxPPVHoX2HF9vDh55DzUtZh4R+m2EWa3g8grrKwHYgIv7igkoEeE8+jggGfCc0okk/sSlZaUBSZEGcnZ8GQyhJjlR/sPCbMSPCCwA40KzaZSCdFzswA9wpqURyHxM0MG8KCSAe6gXNpF3YRG8ODdx74hV//cDApohWWxadUk6z6Pf5mfLA2n6GgEuEqpGGePHPMaZJPvuy4DqmJCZ/82OU0WscTxvMxnIZT1rNMShaIs5LII+6M6FKXh4U2IEBse6njavUaMVhiCjCjBmJJqKVDPYot25sz9MDIvEK5NwIcMAJAue775Pxh0ihwCGnYhdEojHrqBUk2uun2GydmA6SqEoRwLtHZrQ9ZJnFz+Neyg1MizHOFtNRMScbl4Qcf+fwffSG+mDpZvjht2vFFMzw9N+GGmbG83InilustlXqzQHLgrohyIPlSxAnZ/Mu1ZrJn7/T+m7bNb5vyW64tOgwqzaIw7nfiM8cvv3h05fiprm1OecYkhRHYLnQArqTzZdG1rSRLl7fP+62ASor8wkoZW9u6xnTP0FrX1+avn7znvnffdfedWq7K3lgVs9U2Nlj0EFuZTkrQiMYGnY1lE5ZrF9bXL6x/4S/+KG4f1TrHDm73Z6itNdz1br66pncH9jA2Y0rTQEpWpxRE0FuT1sJSY9+N03v2zU3MelIlUUZi/iPYq1k0/WyorVwcHTq2ev5s58Kp1bBLsSBWFE+Vbnhm0mo59dpwfsqa8KEd69RF7ZHnV2u73vmWe+47s362PuN/4N737tt/PTaF3PONBOsluhLqACnklyhskQpV7PSZ73/md3/7Omd0+4ztDNtFvVFrTOdGnfIEtBd6jDoRKgBYQOD7fmvKn5j26hQiUIpGzS2xL0KbKeF0W5OQMflbKJF6K4dVTZ3uqH+xO+wN05CANIaveFRmEnqUBPpZ2FtNu12YO/Jmv/i9ozfd+8lf/e1PUy/OTV0qulTQkEIvRyzELbaxGVj4ZyOtqzBSz1WwiTAiELXjLXt//pc+/Hd/9vt5Ur90/mTfNOe379h/4E0zS0u5STxQzEXSHNROiidAGEHrkdmPB0NKIWhu2iPozJoxEzlNQt92Pb9pe03Ndadazmy9piee6DQIhCRunot3mYxOnD6yfP5w70I3aNT87W7QLO//4N1aHdWJzkBRSCRENO5rEe9bMEoJIsCI4lBIlEY1DFC+WRJJEstHa+x798cffqb954ef7Gt+rXsqOn3k3jz+hetrZh26kigWsQStn2n9XB+kWn+kd/tWP/T7WTyI4tIj744/xZ3ENXBNveGWDdutW9pkTWv5WivQXFQlRhcGApogaF8I/+Lrh8519ci/3vcXu0eKXfsfWLz1LjwIzVb0L1ID2iIsQdu6zBqbsoRZUN5i+Ag9ieQSscWOMCK2JyZCvTn5G//ut1984cmvf+XBp/7qCU/Tds1Oq+rRATkdBFw6SJP1KFwbra+s99e60aCfDqgtJU6gkZyF+XDzYESkI2ECO9CcmuvXqAyp12ZbwexEbbrpNF0zhP9zLwt9192/Z+n7X37+hnfecP9Hf7l0mnPbkVBwqfRM3Hnpp1StKimrENvSZmywFEYwILOmKEtITD1Z5DECTVmd0IXfuOH295jeXPnQZ97xUzftn6jHZ05rbjFK0lGYra10V8+1+52ws54S3cTOxR7QAr3WbMz6LcwqqBarDfcmDEMi0aP12EeuL/edk5caLZ86pNZ0jeWHjYl6gxL4wrnz4A3tsNAXd9z9gXu1xgJZaQoIBCq6JuX1sstQ6fdGb98YsNTjpA+qydPFMhaRQCko/VH+P96tYQwH0Re/+q2bZ2dn/Vr7whpWAqmbQZKdWVkdEdIrnYnm7NLSXHNyenJ+sTU/Z08E1GQ3WEVmKweU/Dt3zotwGJHa6V5qd1ZXL19aaa9f7Fwaau11Ax+95S/UWCHm6276pgO3fOHRF7/1jb+758Mfs1wqKwUXxX+qj2ojzLDZ95cOX+ve2JQlcMgTEZVKWorjAeeAFGzDOjnixSZlDKblILFPXjh9u+WeOXFhMGxHRdIuQqKXqdWa2r3tuh27Awwjr8HKi3Prw2efOX55vdPp97rJGjUKDBKZ5doOOYuJZrNObeBkM5ianllabKVhGo96/faFC+curvWOX+hrZWhpQ8MPR738hadeuOeD4nZZEJbYN/QVISvekQp1C4ldKzb/6LytgKVuUiFVbVUP6BaIIRbEq7Ayqn4kHOw8fuyU5HWKcmJ+qrW4g5psqxZQr/Xc8XNnzz66srIWD7WCFDO1HMwANYVoObXDUxBhEuhRWhcHEd50PYrgtcWFqaWlpUZrwZ9Y6kfYJ31i+UTSoiRpNGajUehP+pJXgsqV0cwNFUQSadPfWAGvAKqmh60ITrWWFHdMJL9GSaRtGUk/XDu9WvSy9uwiISXXr/dtY2XtUnr+fDzod1dz1pHTSFFP+Vq9pXkusRtcGCnehkglc0hgR0hWj5FcKeEJ1g5oYUKFk/bi5fapw22XbDyibfpg3fFrmAmaExWjrPQ6g6Fe8/CrMd4IN0OjFWTisb8WZ2cLpsMVWSBDvTJjQp6MjYggHWQTd9IfPvL85//s/50/eWnb1JKru5fX0+Hg0mDt/I4Zb8YNlnbgHIIOS3Ewu7TAIf5LoJPMhuaXHgRKphpOpE6iYkki65EsGqOAl8SqnmJo6uYgKVfXOk8cjaZqAauFXargtNbDX3s6K+s/+9EPLSxNa3AihM6G/5EaKggn/d5qG5sNBSBlO9ABOI8GafEfAWQS8TBg1E/PHr38xT/55uC0NlfuKTteRFK6iMzEnfGKN18/P++HZtoj+AtA6H5ohww7Nj1xPEJdBrJaVqqktstxYUVyQ9xZsKOcXQ8IwxoWhfLEFRprrf7Zzs1BUQ/sSUPzG6wVGGqPfenY9onDd3/ojsYccUZxodEUEg6C8pmNiie2hNfYYEFCxApI2fA4ib2LmBdWFBmvmVE/6V1KHvnqk71z+YS2gMNIJQc1GjrxTQzEcLS+bNdmrIawUBKGCdXeGRZ4pFOgpvaTOB0ikAnsCDuyNsHWa65lWxbZaEqRbYtgH+XLQZLoo4Fz9nS3ZS54VpO1sFbpm9QsF9oobH/3y0/s3LW0+6e2u9PUsoFUhZAYgbDmloCSi8Z2pJkg9TDRiaLaxeASi1SkS2p1LyVf//x3v/a5R5rZlMMSwFjva+ukK0ZZvywHjtbR8naerBOK64f9KE0YuItdX7i25bOwgptAaxSYmJZHxJCwF+RKZgeFS5VllPQMnYT2KPB8rXDzsuHYtZF+k23UHK1u5j4X4lq4tbJXXt52IPjEb/2L6f0TLBfmVRsUYdoSCsPe3boFvwWwcJeJ2ynmkwkDO0hBz8JysJo8/OATX/vLR+zhhBt7eX9kE6mikI+1DtmIoKZvSVDBpHDKSM6vXiDz36xN+DbFQK7By0MQ6ikryamBgBZ8FZyoUpCZqmEjFBb2Bith1J2dm/LtehpT0W3HmY/3Tfm7UbieXUfGBTW3dEesd73pnbt+5hMfWNg75wc1OJqF6RZk9UY60gIM0kNyqEJhDAzJjEgJu9n3H3r2K597OMim8xESCTwzyvgG+giLKZcQeVlSO0KNPKsGyyQqeqbZSLMgjS3S8Z5RY0EqgfPYpMobn5f55w5SMZoQuktZ0NNEK7KwhRX5cVQ3Ce+R0Y1xxyUVRp4NuYZLSQYgjCS/XfMmDz1yPM6+9Eu/9hF3Z6DVdco5xXLeOheOn93Bu6HQoUKqijgRPGBA3dXou9983Bg6rCVE9kYUuFCtTO0iQZSUmEsqkEExhsHClN4w1vWGoTWyzKN61mKVhRkwEPBMMwgPAoTOSAuhGcj+8Tzi7h6SzLNnRqOsvR4bdlOnaEfyGSqkIB6rESe5yzIfpFpqECOse9OHnzh55K0nZudnSo9EuWghJUO2uBkbZyhJOsjjRF6h7KEro9sOn//hkTNHlz2CcSguZHWOZa4NYU+Eu+H2wuHaoJ1YcaSPVlbP9wcd1yD8HFhFYOmB5ZCEZ3lBHBYUuCHzpU4SI5XcBAU7nhO4hmfkJlvbdCYmJijDPXXu7NpgPTOKfjpaH3UTSgJRCMTLpAgesUYtZWDETb+cevqJQysrl1jMJ2qxkrdbxGorlCXsJwYEW5RxrvUH/XOnz371S98gN1hSrg2PxRHUQbAPdqKaA/qIeY1RPBglA99xEdisEwy8mofFoOPZYTyCDKsEKPZOPK9uMSyyNSR+xPgiyUD5EMBhW2KBcbnDStZRHPWGA+44ivo8IJhdrLQNMosqS2p/WWgsppXrPvWD5ya/5f/sL95L5tH1ty7dud3YpoOpsWASvORCbAjEV9wvH/v6s9GL7ky6neWp+B2RzhrMSHS2FMUT6ixqrAMotDqL5grf8ycczZekNm9RIbeFkZCzggWcyV8HDrV6zD8RM7i94nPxg5Rw1Ckndepa3TFmUjtOKCZJ0+XWGmaJz5tFSHuVLFNICisZwM2G7RR1ezAzXWsc/tapd982aN46Yfj0Whrd5v7siGi9ZjE2NlgwvhhZohLlSRHF3KvdUyfOMuukDWACLG3Iih6AJDKIoBLFyyKXc60R1AOraSS+awWcxinCFxJqEtzx24j3cX81HLVR1q4yI+VuMkjSlvjoVN06piiKNF0r3YQFK9AVmXwFK7NCfggNxLRJ2V2hD3vh6ZNn5/bOWn7AiourWwXZ1Ud+zP5VPfsxZ131k4xfGuYoXSdVlSGqOuf7FPiJnGLFBAqM+ljMbeQO7q94s5AJf8xRn/S95zo1jsswxK5WMTplWuMYYglVB69sxZqUDyfwFyxUaR+/cjkfRFiO64i9L0kx6k2xo5hBaSxKIdKl3tdSRIPy6e8f7rR7VO3QMdX/l21e8eDLzlBfxgaL5RVCVKgVrAP02vroqUefL0KhC6QsddyplFDLvYtM0Rd6DKNAGAxT3BOulJX0HvDBpmJdywdaRQ9AtC8fCTRXffiF3zcaJCTHVfWhEVj1Vm1S1lp4iDXWo8QEJaE78cbEfpG4vq3Xjz53Zvn0JcKJHLoahdeZslQ8S56H2RSlK+fWjj9zxkl9VgDwmgaYi9pkXDSQgK7YYjR0eusw6HRzZqI2xdpAWUXJyAUFYTqq/hRq8CRYvYSOiGcQ2fiIlAEgcR4l1gDK8l4D13KnarO+WaMYtx+OqENRHph6Zxc95JZIQha2FEG4nh9++oisGMK9glQrDSXDGKONTVlMvbzbA/Ou0EfD6PTxs3GXFItLJ+A8pZKkK5AK3BdL0ioaDvvUaAWeLKXEcUYuqR4j85h9RSCCEfQiifxX6zuPAy9hMHk4woDhcq1OMRcEG6esCFOVy7J4WirCuDdURNpNLoo032y88NTR9Ys91c+X0+81Y/eqnXu1TqMIlRSWhTuD3vDYC8ewgKB9pAWDIffJHaWIQdir7A66o2jk+U7drxNPdagNkbRMznA4Sz2C0/nwFbzgnSp5usEpwkpXPhW1gs5m43JmjXmquxMYE2ket7trPA4UxWhGxwq25EeQpSwDci+dY/3PGjpB8N5SGxss6aKamCRJw+Hw/JmzwAS5E1fBxqnKOolDiV1kG6ybGfQGg/6owOjC5UEOw6ZimididYh5K40/2LritQllVQd/dCtUIgSFYhGrQq7iUEYww5dlHXnRYe1KlywljpEsdazOoWdS3wAbAFGiry13qwCZeqxsrlG0V+ePbTpIZomBGAYROFbiEgBYRxNtmC0G+V8CeoN0RAWWjWlY8xxWN7MczMQEDUQ8YZMTxmJwWB+Sm1K9VeRDz1WyChDQDGL3MjAOQqMyP8h+8Uslms41wFQNWy8dz8RqsxtUTJTyxiMol3lEXxPGEB2ETSjr1Ig3YNexgJN5kjtUaG5gWoHxT23HBosbIpAqQuaZUUhRux2hvQUxMYJEa6O3MTIj3q6WE1eouXVf94grQAJSxUDBLpADV0VESB54E7yYBmFkkUYizVlxgPQXQchxWSSmIkGVwJKhcoRfxSzRjWZ9wtW8dpfQWBaZ+DYDP2hQhSSRbrmDLKSmUWHIV9o/Bcsr/z4+WMyVGE10Qsdb7vd7pjYhfCgLtCQAAOnkYd7v9GzHmZ6YDsxJwCJmJ5YEcIkhitLEABJ0scNQjRI44JaQlBCCSGilQsS25hxIiK0KLgj3cZ7QmegQ6Ty+DqFB3htCcLCsG8Nhl0WeUTygBlUkIZIUf0vDTpYGiAD3BoIFPahwuwwDXqAvunANbj/8khRJ4Ht2zGsHkprf5OPnDTQAcpbxYqXSfxoXKlNMbE7uw50gEBbpimoQ51xMKk67emAMFdIAI5H5AEoOlefxcJLyMgOUa1lND9PE7PeF0TC1wBfqpWoOomXhlYg4qt1UU70YezM+ZSGGIW5Rt5Las5ARV5Q6udGc158UMVg0SfTV5xAlnuZxPpWeVYoFcOE/MgisISDYylHGrtQ74RbGgTkgkQNGC73BP+JbSY0g4op4I+ByPk8HNmWa0gmcTnxry4UmIdgaS/hqLB6OAdogJsQVeFUQKjTK86q5GhuljQvGBgtmITZOpIlpVZDBgUgQpDYyNClZ8pETW48btRYRJV6sw9sDwFQkDWeLAhAucIi7YHPBgyxZYSQwipikYjhQjqROBSwJTHEtVEbWVmS9arJCGwCwSSsZRp0MCTWRddhssrSFHDYhU+IcputwFwhK7iUERU/ENKNt3GvMP+ODxYjprESzSD7btUazQ6RcxI4Rs44CLPE2cJTdhkbgEtMQ3S19wvoGVPnC+G3y9KAisQVuBzlJGTg2mNwa+lCSngECi4KGJANv1eBqGaooADVaqnYBIGN1B4KcKYHWLbFFWZlm235aDngqxYUYKyArsksrA4owK14eE6bqdBENYzXmlJlnppjPWqMxNzcHDpX/6ri8bggxgZSWAbGwklJ1SrgBAhFEL/FFYGJKrpC7DIBj0BY4i50gxiwcJXOuqAkuE6T4qqSVvPWbffBWvZWAT7UDIJIcQ0gROqPKRFK8Li+YonsKU+FoeYhoHmtyclL2FNbV9WNtt0BZMih5iYKV2HVn5rr5571TBkVVuUP0rqwNZ7dNdU4RmqJkDfOGLeVb8no5LHeyzVCkSCoq4aUWFsxBDzKVmByyi61RkFu+kmJXNCnHc81R54jcgdu4kvtxUzLMcL54SxzBP0CMZomVuFOFO4seGoYXWNxDUpJK6ZE7n7pLsmybC8FLXS6zxOOqI+z8+DY2ZUkPVb0RuRnPtSenGiavI6CCm2Xk4hYbN+2/iSgoJ/FVXnSBbSkPES6SrsB0jBamQeD/qCcoxIXwko8IxIp44B7VSUEVmBSRcKncq+q8urOMXQiaBxgUQxv2rp175xe24+nIqxNMAjnx9h07W62Jq9lwXBIbm7I21BFrH/WSIN7MLNWvWtgfOmad8gLXsGqW78tqOeDIETVpIXmaSharEbKrPEEZrTRxCeQv45fOYH7Itw0gZG+D8yq3UQ6IvKyAZF9WzYkbhJYEMOjERYuYBmHGCcwtlthlJAT0BFqeniEnNgllVRyt7rSxuUbUqsm5+sJ/Yh9ql5EIFuQZzMmp2tRsPTNYFkggF8sopYQqDhNW6ohJITS+OS65kkMQlHAfcgYSq/CTZ26SEocwOq+Q1UZ3VD+vUCKGwMbh6o+YxKwpl9eFCHoiBM1V3l22dlm3UiKpLLEl27OwMM97AgGrgqbaVsz4sru9+pexKYv+KDEMQbA+2qk3fMA655zPkxBSL6zoyJFDReJnJisFoCkUvEiiijxEuAgJvQQfGMkXBQ2agV2sjA2+UxTEkQ1oBIgfadWl4vDI65SBjANiUGDxJi8eP5maI9R1GmaoFN4w2Zr0WNcndsZW29hXiirkYfxPtzB2sBlFzWEW6r7vvPmdd0TD5Oj3z2FJ5NTXppIzV5RYwSQiSVGTjHODv2SvElWKzKQcYLO9tH9FHm/+tLnDEGBkMcOEauWuaMdsaef8jpuWlk9eOvL8CUwV8SNZdSWlk6/QXi8BT1dEy9NU1oL06ZCKY17bQQ7ZNvbdsvdDH3nAbvBq+xECnljvFaS4hlHBv/x7A2pUkKZQJ8PjJzmuWJvBINHQnNVx9Rgl8uGainHUITGJq48ALQSrLuQmzAbmnZnd8d473n//+3ivFo3wLIWniCpWEUnPr7SxeJCLqnFfufoa/orrgHRgMsXtEYMyDCNo263ZUUm+sz27c/rWd9wYlj2yyLwvUyRQ5c/BcSJWhO/4yFKvq4mLrogsA7Jq8JsdExq8uoEi5yhzQW0xVYFdHWHLs3KCy062+8Dews5X2xcdVwQ6kPEeLtZEvSJAr3jw6odW+5t9+sc/vcIRuSnSU1BSY1Z+R5LEuRb3onasj0J9mDnxwXe9KTHlDX+8hoF5ZqEXy+NyQz4iXMQjFMNVrGqqFGRFvEJELFrWPjHgq3tFqa58uELtCDJ8BFkQgAZNamxSeSmnrGSEpgpePrP71uuX9izyOnl+ipMBKPFq4pLXdlBZrxoDob1EqtzsGto1nfTy+2CSAhUvYcf9okImdmr6KOts3zv97nvvmNsxvTZYnVxsze6cXI8u8vILRIXYfWqRtxgQSpZDB9JRuZN8QIJHcBYDuOpZHHyJrKqByQ1wBsU9VMXfxDEUeJSwioNox7kzGGiX73jvwVHWYwrvvPttd9zzVqtJnJv8KyGNcjOsvIkUT3z5c6/qwst3X8bDL//plb9hkBN1Io5AFVoSD1j4Pb3gN1es6w9sW7h+igzzmXOna1Zzz4Edjx19PrY6ZsgyL4vIF+4IjMdL8j0vIAZN12HEq7ABF6QhTHYFI4XgZicqTapGiDeuyIJwBL5XnuA5YXZSbZo5aV+7VJ9lzV735Mk1grEzSy2nZp+4fDrtRhQLkNgMQyEo5AaMeTVemw/6MTtjgFXBzxCZnHA0HIWD9fX1UdLfd/Ouiem67Ttd8k28AQQ7m3dhsPDX7XbyYsapUelBUk8xn461QWCXcypmFmrif+VRS9/lGYqaNpACTPlZiXDZouzE/CRwo8IJxPTwwfk3HHhdbmanI3e9E5+/YWnx3MVj2Wqq5kP4+qa37cPuIxeN5ZVZvCKh5D1c9GQTr2tEbQywpM+8SpNgkZQzRP1ur01bXScfbPruIGax+xAVvkHnkT652z/yzAvpwJlsTPHeXNKrUALuo/KZ4UjwkqiDCOiqCUteISt1pDJqqx8x0sXbkaBEQqxUwOYjJSO8aKQcWNFatrwWn5u+zvYm9PMXTuHFU7ZrOLw5ASfbagZ2Z7BOFrvg3ydTTSaMO4qMkHFdC17jgcV9iYRg0uBC8Foj1oqMwnAwGoVRTKmQQEnVEA1OzcqJRe/26QPh0capY8db7tRMaw6uJSWFFAcgFXupeij0hNxGusko6DzfQE0MgitN9oVlRbpJzQjZI8L1XFLmpEeM7Ez/tDOt79+/1Ji2pcA70gYJK6qIm0YWBYGFOaQwkFcvxrYbykIEGtdeufvrBpbIDpYgU2fAmg9eStciRA55cCCNRiNL8xhPNxyS2iFUA+XXb7S2tZqXzlwcDNp1c6JmtjytQdkMiWEoS7orzrH8rTSB4KZiXFfA2oAMdKklIjSNHyWpL8mHhERkOtpxamMm93lzu2ehqbyIfIM3UxWmT90A5ZMBwokSkmYr4J8s4x+k+REGlAdfc1NS4trOZiqk4QdSVxRH/VF/tb86HA57bf4RGKIhI2LcCDMyPbzwkYwhywHlPYj5JHkdXoUSr2YrRy+vnug7aa3pzOKAUAujtKK4yGCmLPsNW1Tt060KKbWVoBk2BymtaJD0oriPx+f57vxtRXPbhDFphGYoGVde/pqJZOTdrkwl5mjNlX8opFZz3ZYV1P2GP99sNqEszkHMV5zIsK6FDccAq4KU2DbzRpSd1zdVDWZETqHvOIhEo/GVfbbqZEmO0ugQBwC30+72eoP11bVedzjo9WFanCbAAgwaEltAeolFqsfizkg8ln9roEWbalD/N8GinmbTDUQxKPkjjhet0nQVFq7rskNjp6KpWk2CpbjTFVIbd7+2P2ODVd22Gj9YVKBsQsMOrTrOloYtxrQRjRCrX0EmggeEeFNZnKSRJLpAQpKD+MLk3OFpCQrKc8CXrcw5PgzOJypflWVJtRLHVfiM/MaPIFWBtbmtdkCHBkybJ7MjzxinbREsHlGNhC0jB5RqpwLx6n1+glAULQo9ylVV/EroCElNjyWQKQ6BfEd682InJcPkwEZTR9QZWOxSgAOI4lYyYAnIvFIDI66qfmFnc587sn/lxuP9HVsbXn171YeNB9M5gKga57ADAGwruXNlX3VUDldhAk6s8JKBq5PxGTdU++aDqrEBi9yWOAzQSlQGr1SejwfOFlDUveQcOXoFjs39q49s3rl64uZPm8dfbef/AyQCH/a30bDIAAAAAElFTkSuQmCC ... "To be, rather than to seem." ... which should you choose?

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