Without passion, is your credit union just a bank?

first_img 49SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Jay Kassing Jay Kassing is President of MARQUIS, a Texas based provider of marketing analytics solutions including MCIF/CRM software, MCIF services, profitability, compliance, consulting and direct mail creative/fulfillment. Jay has … Web: www.gomarquis.com Details Are you passionate about your Credit Union? “Yes” you say? Would the people you work with agree with you? Can you think of 3-4 ways that your passion comes through? If you are uniquely wired and passionate about the credit union movement as a whole, this should be easy!But in the end, does “passion” really matter? Is this one of those feel-good words that motivational speakers like to cram down our throats to make us feel good? Yuck. Of all things, I don’t want to have feelings or opinions … and definitely not strong ones. It is better to keep your head down and do as you are told, right? Many feel this way.I say passion matters! It is everything! It is extremely difficult (sometimes impossible) to lead people if you don’t have a clear impassioned feeling about your mission, your work and the future. I submit to you that a passionless credit union is like a sleepwalker, able to do the job, but without any sense of a higher call, purpose or emotion. Handling tasks and transactions are done almost robotically.Sounds like a bank…It is said that the secret to success in sales is the ability to transfer your own strongly held beliefs to the person you are selling to. How does this happen? First you have to truly believe that what you are providing is special and of great and unique value. Then you must bring your passion to the party so that your excitement is felt by the person you are talking to. There is almost an arc of electric current that moves from one person to the other when passion is involved. In real life, so few people speak with passion that when you find one who is – then you, me and everyone else – is drawn to them. Whether you sell a product to a member, or an idea to management or your staff, if you don’t believe it in your gut, you can’t bring the passion. Conversely, if you know you are right and believe it to your core, let your passion do the talking for you.Personally, I am passionate about helping couples who seek domestic and/or international adoption. I work tirelessly in my off-hours helping as I can to assist them. It comes easy to me. You see, I am an adoptive parent. I have a passion for it. As a company, MARQUIS is just as passionate about delivering provable marketing results. When you believe something in your heart with such urgency, it is easy to find the passion. When you deliver provable marketing results to your management, you will feel the pride and excitement and it will carry the day. Results matter!But passion only comes from a deeply held personal belief in something special, something extremely rare and unique. What makes your credit union different enough that you see it, feel it, and believe it to your core? Without this, it is impossible to manufacture passion. That said, you can be passionate about doing a good job and others will know this about you. But this doesn’t enable you to lead the charge – it only means that you can be counted on to complete a task.Why are you passionate about your credit union? The answer to this question is the key to your success and the success of your credit union in 2016 and beyond.Without passion, is your credit union just a bank?last_img read more

Democratic lawmakers seek 3 immediate criminal justice reforms

first_imgDES MOINES — A group of Democrats in the Iowa legislature is urging the governor and Republican leaders to immediately pass three criminal justice reforms, starting by banning law enforcement from using choke holds.Representative Ras Smith of Waterloo said the state attorney general and county attorneys should be given clear authority to investigate cases of police misconduct.“No one law will end racism or end inequities that we face,” Smith said during a news conference. “This won’t happen overnight, but today we can begin to respond to the crisis, to bring justice for George Floyd and work for the day where no Iowan has to live in fear of becoming another hashtag.”The third action the group seeks is a ban on hiring police officers with a history of serious misconduct.“This is where we turn our outrage into organizing,” Smith said. “This is where we turn our organizing into ordinances that make sure that our state, our union are more fair than they’ve ever been.”The group of lawmakers invited Yena Balekyani, a young woman who’s been protesting in Des Moines, to speak at their news conference on the state capitol steps.“I am holding you guys accountable,” she said. “I will be here and if this does not pass, I will be in the streets. We will be out here every single night until black lives matter.”Democratic lawmakers say it’s clear they now “have the ear” of Republican Governor Kim Reynolds, who said earlier this week she’s working on legislation to address racial profiling, but Representative Smith and others say it’s time for action now, not six months from now.“And we’ll continue to ask for her support and push her to make sure that she helps us to make sure that every Iowan is treated equitably,” Smith told reporters.The governor, during a news conference inside the capitol half an hour later, these and other racial justice proposals are worth developing into legislation.“But you can’t fix it overnight,” Reynolds said, “and we are making progress.”Reynolds said she’s committed to having ongoing conversations about constructive policy changes, including the three outlined today.“It doesn’t mean no. It doesn’t mean it can’t continue to move forward, but it also doesn’t mean that if we can’t done in a week that we’re done,” Reynolds said. “We’re going to continue to have those conversations. We’re going to continue to work on it and we’re going to address the concerns that we’re hearing from Iowans.”Black Lives Matter protesters in Des Moines are planning a march to the state Capitol tonight.last_img read more

One of our reporters tried to do CRISPR He failed miserably

first_img Country * Afghanistan Aland Islands Albania Algeria Andorra Angola Anguilla Antarctica Antigua and Barbuda Argentina Armenia Aruba Australia Austria Azerbaijan Bahamas Bahrain Bangladesh Barbados Belarus Belgium Belize Benin Bermuda Bhutan Bolivia, Plurinational State of Bonaire, Sint Eustatius and Saba Bosnia and Herzegovina Botswana Bouvet Island Brazil British Indian Ocean Territory Brunei Darussalam Bulgaria Burkina Faso Burundi Cambodia Cameroon Canada Cape Verde Cayman Islands Central African Republic Chad Chile China Christmas Island Cocos (Keeling) Islands Colombia Comoros Congo Congo, the Democratic Republic of the Cook Islands Costa Rica Cote d’Ivoire Croatia Cuba Curaçao Cyprus Czech Republic Denmark Djibouti Dominica Dominican Republic Ecuador Egypt El Salvador Equatorial Guinea Eritrea Estonia Ethiopia Falkland Islands (Malvinas) Faroe Islands Fiji Finland France French Guiana French Polynesia French Southern Territories Gabon Gambia Georgia Germany Ghana Gibraltar Greece Greenland Grenada Guadeloupe Guatemala Guernsey Guinea Guinea-Bissau Guyana Haiti Heard Island and McDonald Islands Holy See (Vatican City State) Honduras Hungary Iceland India Indonesia Iran, Islamic Republic of Iraq Ireland Isle of Man Israel Italy Jamaica Japan Jersey Jordan Kazakhstan Kenya Kiribati Korea, Democratic People’s Republic of Korea, Republic of Kuwait Kyrgyzstan Lao People’s Democratic Republic Latvia Lebanon Lesotho Liberia Libyan Arab Jamahiriya Liechtenstein Lithuania Luxembourg Macao Macedonia, the former Yugoslav Republic of Madagascar Malawi Malaysia Maldives Mali Malta Martinique Mauritania Mauritius Mayotte Mexico Moldova, Republic of Monaco Mongolia Montenegro Montserrat Morocco Mozambique Myanmar Namibia Nauru Nepal Netherlands New Caledonia New Zealand Nicaragua Niger Nigeria Niue Norfolk Island Norway Oman Pakistan Palestine Panama Papua New Guinea Paraguay Peru Philippines Pitcairn Poland Portugal Qatar Reunion Romania Russian Federation Rwanda Saint Barthélemy Saint Helena, Ascension and Tristan da Cunha Saint Kitts and Nevis Saint Lucia Saint Martin (French part) Saint Pierre and Miquelon Saint Vincent and the Grenadines Samoa San Marino Sao Tome and Principe Saudi Arabia Senegal Serbia Seychelles Sierra Leone Singapore Sint Maarten (Dutch part) Slovakia Slovenia Solomon Islands Somalia South Africa South Georgia and the South Sandwich Islands South Sudan Spain Sri Lanka Sudan Suriname Svalbard and Jan Mayen Swaziland Sweden Switzerland Syrian Arab Republic Taiwan Tajikistan Tanzania, United Republic of Thailand Timor-Leste Togo Tokelau Tonga Trinidad and Tobago Tunisia Turkey Turkmenistan Turks and Caicos Islands Tuvalu Uganda Ukraine United Arab Emirates United Kingdom United States Uruguay Uzbekistan Vanuatu Venezuela, Bolivarian Republic of Vietnam Virgin Islands, British Wallis and Futuna Western Sahara Yemen Zambia Zimbabwe Roland Wagner, a postdoc in the lab of Sumit Chanda at the Sanford Burnham Prebys Medical Discovery Institute in San Diego, California, agreed to serve as my CRISPR sensei. An experienced rock climber originally from Austria, Wagner approaches everything methodically. He pulls up the sequence of the CD32 gene, which has five distinct protein-coding regions. If we cut the DNA in one region, the gene most likely would be knocked out: It would no longer make its protein. Now, at Wagner’s lab bench, I face a rack of fancy plastic gizmos that look like squirt guns but enable users to suck up precise microliters of liquid with a push of a button. My task is to pipette the oligo from one tiny test tube into another. The second tube holds a plasmid, which is a circular piece of DNA that will act as a Trojan horse. This plasmid, customized for CRISPR experiments, already holds the gene for Cas9. It also contains a 60-nucleotide “hairpin” sequence that ultimately will attach to the 20 nucleotides I add to make the full gRNA.I use one of the fancy pipettes to move the oligo into the plasmid tube, and I also add buffer, water, and an enzyme. If all goes well, the enzyme will cut open the plasmid, removing a piece of its DNA and allowing the oligo to take its place. All does not go well.”Oops!” Wagner says as I pipette the enzyme. “You failed a little bit.” I apparently hit the pipette button before submerging the tip into the liquid.In the end, I manage the procedure. After waiting for the chemical reactions to take place, we take my CRISPR plasmid to an electrophoresis machine, a tray that has wires hooked to it. We add a liquid that quickly turns to gelatin, and then I pipette a few drops of my CRISPR plasmid into different lanes on the device. I flip a switch to apply an electric current, which should separate the DNA into bands based on weight. The small piece of DNA I cut out with the enzyme should form a distinct band.My gel electrophoresis only has one band, from the plasmid.”It doesn’t look like it worked,” Wagner says gently. “I didn’t want to be all picky, but it could be that you messed up the enzyme with your pipetting.” He allows that when he was starting out, his experiments often failed. “I’d go home and I’d say, ‘I hate my life,'” he confided. “There are a lot of setbacks in science.”I’ve already learned that any idiot cannot do CRISPR: It takes, at least, basic laboratory skills.Wagner conducts the experiment in parallel with me, and his plasmid properly incorporates the oligo that will guide Cas9 to its target. We then coax a cell line made from an embryonic kidney into taking up the Trojan horse plasmid. After a few days, we isolate the DNA from the cells, amplify it with the polymerase chain reaction, and use electrophoresis to show that the CD32 gene has been cut into pieces. Voilà, our knockout worked.”You did great,” Wagner tells me. “Way to go!”I did not do great. But CRISPR did its job. Sign up for our daily newsletter Get more great content like this delivered right to you! Country By Jon CohenNov. 3, 2016 , 10:00 AM CRISPR uses a guide made of RNA to direct molecular scissors—part of the CRISPR-associated protein, or Cas9—to exact spots in a genome. We could buy the guide RNA (gRNA), but the idea appalls Wagner. “I would assume it’s probably $500 to buy the gRNA, but I wouldn’t know,” he says. “We’re making our own and we’re spending about $5.”The gRNA sequence must complement a stretch of 20 nucleotides on the segment of the CD32 gene we want to cut. But the same DNA sequence could recur elsewhere in the genome, leading the molecular scissors to cut in the wrong place. Such “off-target” effects can cause mayhem, and eliminating them is a key goal of those honing their CRISPR skills. To make the match more specific, Cas9 requires an additional sequence flanking the targeted 20 nucleotides: N-G-G, in which “N” can be any nucleotide. Where Cas9 finds N-G-G immediately following the 20 nucleotides, it attaches to and opens the double helix, allowing the gRNA to bind. Cas9 then cuts each strand of the DNA.To homebrew our gRNA, Wagner copies the sequence of the CD32 segment we’ve identified and pastes it into a freely available database, Optimized CRISPR Design, that looks for a matching set of 20 nucleotides followed by N-G-G. There are 41 options within CD32. The database scans the entire human genome to see whether there are identical matches elsewhere—potential sites of off-target cuts. We select a sequence that appears unique, and then he goes to another website and orders a stretch of DNA—an oligonucleotide—with that sequence.The oligo arrives, and I lose my modern pipetting virginity. I have not worked in a lab since I was an undergraduate more than 30 years ago. Back then, I learned a pipetting technique that probably was invented by Louis Pasteur: I put a finger in my mouth and then sucked up a chemical into a thin glass tube, capping it with my fingertip when I had drawn up enough.center_img Click to view the privacy policy. Required fields are indicated by an asterisk (*) I speak biology fluently, but the molecular complexities of the novel genome-editing tool called CRISPR left me as befuddled as when I peruse descriptions of the inflationary universe. So I decided to test what one investigator told me: CRISPR (for “clustered regularly interspaced short palindromic repeats”) may sound intimidating, but it is so simple to use that “any idiot” could do it.I would give it a try.CRISPR works best at crippling, or knocking out, genes, so that’s how I choose to use it. But I aim high: I target an immune gene that, I theorize, could lead to insights into reducing the harm done by Zika virus. (My admittedly wild hypothesis is that the gene, CD32, may help drive Zika virus to copy itself to higher levels if a person was previously infected with dengue and has antibodies to that virus.) One of our reporters tried to do CRISPR. He failed miserably Emaillast_img read more