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2014 was, 2015 is and 2020 is a combination of both. Our 6th calendar year starts with a look back on 2014 and a look ahead to 2015. Are you really going to spend another year on twitter sharing links? Are you a 2020 brand? Is your credit union buying or being bought? We are back for another year of saying and asking what others won't. Join us live or later.