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New blended learning courses help you apply what you learn. Dave Ulrich, a professor at the University of Michigan's Ross School of Business, tells a story about a group of turkeys that go to flying school. They study and practice day in and day out. They learn to fly forward and backward, up and down, in wind storms and rain. One day, all the turkeys graduate from flight school and receive their diplomas. Then they walk home. The moral of the story? No one should "walk home" after achieving their goals. Application is key.

Best-selling author and ghostwriter Michael Levin defines creativity as "the ability to develop great ideas while under pressure.” “Pressure creates diamonds, so why shouldn’t it also create great ideas?” he says. Still, sometimes, pressure paralyzes creativity. “I’ve experienced it when writing under deadline pressure and writing under the pressure of my own high expectations,” Levin says.

While we focus on criminal access to computer systems through broken software (i.e., the recent HeartBleed problem), it’s important we don’t ignore the broken window. To illustrate how physical security is important to credit unions and their small-business accountholders, I developed this story based on a real-life case. Once upon a time ... … there was a small business. Someone broke in and did minor damage. Modest items were taken. Luckily, the business owners thought, none of their computers. There was another small business. Someone broke in and did minor damage.