I feel like I know something about ALM. I started my career analyzing bonds. I had the benefit of making some investment mistakes early. I worked for an ALM software company. I earned the CFA Charter. As a credit union CFO, I’ve been through a dozen federal and state exams and endured the breathless panic about interest rate risk. I have seen the product of many ALM experts that have capitalized on the institutionalized fears. So I was skeptical when it was recommended to me that I get an ALM validation through Wilary Winn. However what I found was an incredible team of scientists with the purest integrity. I can say confidently these people are among the finest analytical minds I have ever had the pleasure of working with. If you are interested in understanding the fundamental reality of your balance sheet, sign them up. If you want a rubber stamp go to Office Max.