As the world is learning a new term in "Ambien tweeting" with Roseanne Barr's recent blunder, they are also revisiting the ugly word "racism." Credit unions hold a unique distinction in the financial industry as consistently serving minority communities. Credit unions are frequently the only federally insured institutions serving low-to moderate-income and underbanked populations. There is no place for racism within credit unions, as the whole industry was founded on the premise of people helping people, the antithesis of racism. In addition to moral belief in the credit union difference of embracing diversity, diversity itself makes great business sense. The NCUA adamantly states: It makes good business sense to have members, managers, and employees reflect the community credit unions serve and for credit unions to serve diverse segments within their communities. Diversity leads to better service, greater innovation, improved solutions, and increased membership.