I hope the readers of this column will excuse the lack of decorum in the title, but in reading and listening to the words of the Federal Reserve Board’s members over the past month, I hear a lot of hedging.

What’s special about community banking is the support and growth young bankers see throughout their careers. These community bankers stuck with the industry, garnering knowledge and banking expertise that brought them from an ground-floor positions to their current executive roles.

Many people want face-to-face interaction when they’re on the cusp of a major financial decision. Community banks must offer both technology and in-person service to deliver a superior lending experience.