An advantage of credit unions over banks is that credit unions

Credit unions generally provide better customer service than banks do, though the ratings for smaller banks are nearly as good. Credit unions also offer higher interest rates on deposits and lower rates on loans. Banks often adopt new technology and tools more quickly.

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the answer your looking for is c. : )

there are indirect ways of affecting state laws   by with holding funding's. and that's why we have a 55mph speed on the high way with a design of 70mph speed.