Rick Skaggs took a deep breath and stared intently out the window of his corner office located on the campus of the University of South Florida. He had heard that renowned professors at MIT were paid to stare out their window and think about hard problems. He was thinking about hard problems and he was staring out the window, but he was not a professor at MIT. Rick Skaggs had been the President and CEO of the USF Federal Credit Union for the last two years. The Chairman of the Board of Directors often “joked” about Mr. Skaggs as still being on probation. Sometimes it felt like that.