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F. Todd Smith's new narrative picks up the story of these tribes begun in his volume The Caddo Indians: Tribes at the Convergence of Empires, 1542-1854. Their relations with the United States government, the state of Texas (whose role in Indian policy was distinctive because of its previous status as a sovereign nation), and officials of Indian Territory, as well as their ongoing struggles with other tribes similarly being forced from traditional lands, make compelling reading. Smith documents the process by which the Caddos and Wichitas increasingly lost control of their own fate and came to be governed by the whim of the federal government. Smith relates the political history of the two tribes, details life and agricultural work on the reservation, chronicles federal attempts to introduce an education system to the Indians, and traces the effect of hostile tribes and unscrupulous whites on the reservation experiment. Using primary documents, he traces the history of the Wichitas and Caddos through the Civil War, when they were forced to take refuge in Union-controlled Kansas, to the sharing of reservation land with their former enemies, the Kiowas and Comanches. He describes in detail the efforts of the two tribes to adapt to white ways, developing a life within the confines of the reservation experience that borrowed from Euro-American culture while retaining many of their own traditions. Throughout the book, Smith convincingly analyzes how the successful adaptation of the tribes to white demands itself undermined their power and future. In the end, Smith shows, the Caddos and Wichitas used the Euro-American legal system to fight the last battle - unsuccessfully - losing the verybasis of tribal life, shared land.

Beginning this year, federal payment recipients will receive their government benefits through electronic funds transfer (EFT)-- what most of us call direct deposit. Although cost-cutting is the driving force behind the move to a virtually all-electronic federal payment system, Michael Stegman believes the initiative has a far broader potential: to bring poor Americans into the banking mainstream.In this book Stegman outlines how many families will enter the mainstream banking system through EFT '99, as the program is called. He explains in careful detail the thinking behind the shift to EFT and the implementation of the program this year. He also argues that, for maximum success, EFT '99 should be combined with a program of national Individual Development Accounts (IDAs), dedicated savings accounts for low-income people that can be used for purchasing a first home, acquiring more education or job training, or starting a small-business. Essentially, EFT '99 will bring people into the banking system, and IDAs will give them an incentive to use the system to its fullest in order to make their money work for them and their children.There are other steps that the government can take to boost EFT's ability to help public aid recipients achieve self-sufficiency. It can: add a direct deposit option to state benefits payments programs; give banks significant additional Community Reinvestment Act Credit for establishing accounts for EFT recipients; and regulate fees for cashing government benefits and voluntary accounts so that people are not charged excessively for accessing their money. This book demonstrates that -- with careful planning and a relatively small investment -- the government'sEFT initiative can have a major payoff in real assets and improved prospects for those who have been, for far too long, on the fringes of the country's mainstream banking system.

European credit transfer system - European Credit Transfer and Accumulation System (ECTS) is a method that is used to compare the marks (US: grade) given in higher education across the European Union. One academic year corresponds to 60 ECTS-credits in all countries irrespective of standard or qualification type and is used to facilitate transfer and progression throughout the union.

Ohio Credit Union System - The Ohio Credit Union System is an Ohio-based American free trade association for credit unions. The Ohio Credit Union System is composed of four components: The Ohio Credit Union League (trade association), The Ohio Credit Foundation (non-profit organization provide support for credit unions in need), OCULPac, and OCUL Services Corp.

Tru Choice Federal Credit Union - The Tru Choice Federal Credit Union was called the Medical Federal Credit Union but due to a change it is now called Tru Choice. It is a federal credit union located on park avenue right across the street from Hadlock Field in Portland, Maine.

Navy Federal Credit Union - Navy Federal Credit Union is a credit union chartered and regulated under the authority of the National Credit Union Administration (NCUA). Like all credit unions, Navy Federal is governed by a Board of volunteers.

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