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1. Why We Don't Need Any More Bank Charters (Op-Ed)
   U.S. Banker, July 2010
   
   
2. 'Need' Becomes Relative with Treasury Cash in Play
   American Banker, Wednesday, November 3, 2008
   
   
3. Profitability Reporting as a Strategic Tool
   Bank Accounting and Finance, August - September 2008
   
   
4. How to Best Combat Encroachment? Specialize
   American Banker, Tuesday, January 28, 2008
   
   
5. Tying Management Information To The Front Line
   Bank Accounting and Finance, December 2006 - January 2007
   
   
6. Managing Spreads Through Funds Transfer Pricing
   American Banker, June 6, 2006
   
   
7. Extra Value: Cross-Selling Not An End Unto Itself
   American Banker, January 2005
   
   
8. Is Your Bank Cross-Selling Profitably?
   CBANYS: Community Bankers' Association of New York State, Winter 2004-2005
   
   
9. Home Equity Loans: The Next Commodity
   PA Banker Magazine, September/October 2005
   
   
10. Community Banking: Measuring Your Profitability, Piece By Piece
    American Banker, Tuesday, June 5, 2005
    
    
11. Why Director Training is Important and What Kind of Board Is Yours
    PA Banker Magazine, September 16, 2004
    
    
12. Lead Like Lincoln
    PA Association of Community Bankers - Bottom Line News to Use, February 2004
    
    
13. Fee Income
    PA Association of Community Bankers Newsletter, October 27, 2003
    
    
14. What Works and Doesn't in MIS Development
    American Banker Community Banking Special Report, March 2003
    
    
15. When Outside Help Is A Good Idea
    American Banker, January 2, 2003
    
    
16. Consultant Kafafian Severs Investment Banking Ties
    American Banker Community Banking Special Report, January 2002
    
    
17. Good Planning Now Means Sorting In Detail
    American Banker Community Banking Special Report, September 2001
    
    
18. Bottom Line, Accounting Is Not For Accountants Only
    American Banker, May 29, 2001
    
    
19. Helping Bank Clients Interpret Profitability Data
    American Banker Community Banking Special Report, January 2001
    
    
20. Knowing Costs is Half the Job; Banks Must Also Take Action
    American Banker, July 14, 1998
    
    
21. All Kidding Aside, Consultants Advice Doesn't Have To Be A Laughing Matter
    American Banker, February 10, 1998
    
    
22. A New IPO Play Developing in Mutual Insurance Companies
    American Banker, March 17, 1997