It's good the team is back again. You can never have too much hockey.

Initially, I thought there was no way I could be a mentor. Then I realized, these kids live to be with you and their parents put their trust in you to have their kids spend hours upon hours under your tutelage. It's very humbling.

People want both. They want branches where they can talk to people and the convenience of online banking when they can log on out of hours. The two feed off each other.

I first came on board when Ed and Mike Clay founded the Millersville organization, and it has been a privilege to see it go from an experiment to where it is now.