Ice,


You can't paint broad stokes when&the brush is very narrow.In other words, don't assume all financial institutions are alike.&You entrust funds to a credit <U>union</U> b/c it is a co-op and its customers have an interest in the union itself, so there is a fiduciary relationship here.& However, this is not the case when you&contract with banks and credit card companies - there is no trust relationship here. Therefore, it is not a fiduciary relationship with banks and credit card companies, but a creditor/debtor relationship.


-squirrels&