Cornerstone Advisors has helped hundreds of banks & credit unions over the years.
SESLOC Federal Credit Union“Cornerstone has helped us with some significant new and renewed vendor relationships in card processing, core processing, and digital banking. Their knowledge of the marketplace and their expertise in contract negotiation were quite valuable in helping us make informed decisions. It was a pleasure to work with Cornerstone's consultants and we are very happy with their work!”
SVP/Chief Information Officer / SESLOC Federal Credit Union
IH Credit Union"IH Credit Union partnered with Cornerstone Advisors for assistance in negotiating our new contracts for both core system and digital.
We had a tremendous experience working with Cornerstone and Laurie Venzon in particular. The contract negotiation process was handled in a most efficient and professional manner and by using Cornerstone we saved several hundred thousand dollars off from the initial proposals.
Any credit union considering a conversion or contract negotiation would be wise to consider Cornerstone as a partner in the process."
Enterprise BankCornerstone has supported us on a variety of contract negotiation engagements, including with our core provider. The expertise of the Cornerstone team has helped us navigate through inherently confusing contract terms and key decision points and their knowledge of competitive pricing has resulted in savings over time exceeding a million dollars. I am confident we would not have achieved as positive an outcome without their support.
THANK YOU Cornerstone!"
EVP/CFO/ Enterprise Bank
Marine Bank"I'm generally skeptical of hiring consultants, but decided to give Cornerstone a try to help negotiate a renewal to our core processing contract. Their familiarity with competitive industry pricing and contract language brought sunlight and leverage into what would have been a weak negotiating position. And it paid wonderful dividends!"
CEO / Marine Bank
$15B Regional Institution"I cannot believe the results we achieved in such a short time-frame, and we didn’t need to use a scorched-earth approach to negotiate."
$15B Regional Institution (western U.S.)
$35B Regional Institution"Over the last several years we have achieved material short and long-term savings partnering with Cornerstone Advisors. They take on the heavy lifting and boil decision-making down to a simple choice."
$35B Regional Institution
$700M Credit Union"We've had great experiences with Cornerstone Advisors. Their professional, knowledgeable, and responsive team has given us the tools to enhance vendor and expense management and to execute strategic initiatives more smoothly. We've learned from each engagement and appreciate the unbiased expertise and industry knowledge that Cornerstone brings to the table!"
$700M Credit Union (southwestern U.S.)
Citizens Bank"Community banks negotiate and renew our critical vendor contracts with multi-year commitments. Limited information on industry trends and conditions often leave us negotiating against ourselves. Cornerstone provides both industry knowledge and current market conditions which result in significant immediate and direct benefits to our institutions. Their ethical approach with full transparency results in the ultimate win/win for our institutions."
President & CEO / Citizens Bank
Peoples Bank of Washington"We recently tasked Cornerstone Advisors with a very tight turn on a contract negotiation. They were all hands on deck and were extremely timely in their research, presentation preparation and delivery request to our vendor. They did the heavy lifting for us and we came along for support. We are so pleased with the outcome of this negotiation. I would highly recommend Cornerstone Advisors."
SVP/Director of Mortgage Lending / Peoples Bank of Washington
South State Bank"We contacted Cornerstone Advisors following a merger of equals (MoE) announcement. It was critical to go through an expedited core selection and find synergies that aligned with the MoE related to our top vendors. Cornerstone was immediately available and delivered the results we were looking to achieve."
COO / South State Bank
First Merchants Corporation"The Cornerstone Advisors team is both knowledgeable and professional. They helped us save several million dollars on a key long term vendor contract and provided sound advice through our benchmarking initiative."
Genesee Regional Bank"Cornerstone guided us through negotiation of our core contract renewal as well as selection of a new digital banking platform. We realized a significant cost savings over the next several years for our core contract and were able to secure more favorable terms and conditions that aligned with our strategic goals and objectives. Cornerstone's facilitation of our digital selection ensured that we were considering the most relevant and appropriate vendors for our bank and our planned future growth. They assisted us with weighing the options effectively and we are confident in our choice due to their assistance. The experience was fantastic and we would absolutely do it again."
Director of Project Management / Genesee Regional Bank
Pioneer Bank"Cornerstone provided support in selecting a Digital Banking Vendor. They also negotiated several contract renewals including our core. The outcome was better than our expectation, in both price and business terms. The team at Cornerstone is professional, helpful and work endless hours to accomplish deadlines and goals. They made what would normally be a very stressful situation, fun. Highly recommend them."
COO / Pioneer Bank
Liberty Savings Bank"Cornerstone Advisors assisted us in the past with our core contract negotiations, and I have always been pleased with the results. In 2020 we used Cornerstone to help find and negotiate for our Digital Banking systems. Cornerstone was great in helping identify our overall needs, the best vendors to request a proposal from, and negotiate the best contract terms with our vendor of choice. If you're looking to add any services to your financial institution, I strongly urge you to consider Cornerstone. They will help you achieve your goals and become a trusted partner for the future!"
SVP / Liberty Savings Bank
Farmers State Bank"As the bank’s core contract renewal approached, our management team knew that we wanted a trusted advisor to help in the arduous and time-consuming process. We reached out to the Michigan Bankers Association and Jill told us about Cornerstone. We had not used a third party before in these contract negotiations and were unsure as to how the process would evolve. With Cornerstone our expectations were exceeded, and we could not be happier with the results. Our management team worked exclusively with Cornerstone’s experts, who did all the negotiating for us. With their expertise we were able to achieve a significant cost savings from our prior contract. Having worked with Cornerstone, we know we will not go into future contract negotiations without them by our side. "
President and CFO / Farmers State Bank
FedChoice FCU“We engaged Cornerstone Advisors to help us optimize performance in our contact center and they exceeded our expectations! Ryan Brogan took the time to fully understand our methods of operation and organization, and by doing so, he became a true partner to our initially skeptical team with just the right combination of expertise and empathy. The fact that Ryan incorporated elements of our Strategic Plan developed with another Cornerstone consultant illustrates the value of our enterprise-wide, outcome-driven partnership. With a concrete plan to improve service quality and agent effectiveness, our contact center is now positioned for future scale and success.”
EVP / FedChoice FCU
United Bank of Philadelphia"The responsibilities of the Chief Financial Officer at a small community bank with oversight of finance and operations requires a significant level of multi-tasking that often includes contract negotiations and review. Fortunately, in 2021, our bank engaged Cornerstone Advisors, to assist with the process of a major contract renewal with our core service provider. From the beginning of the process to the execution of the contract, Cornerstone Advisors gained an understanding of the Bank’s relationship with the provider and the goals of executive management for the contract renewal. They worked tirelessly on our behalf to identify and summarize areas of cost savings and service-level improvements. There was a tremendous benefit to engaging a firm like Cornerstone that has years of experience with vendors and can use its database of contracts to compare and contrast pricing and service. The Advisors at Cornerstone kept the entire contract renewal process on track and helped the Bank realize significant expense reductions that more than met our goals. Cornerstone Advisors are highly recommended to assist with contract negotiations and vendor management."
EVP/CFO / United Bank of Philadelphia
Franklin Savings Bank"The great folks at Cornerstone helped us negotiate our contract with our core provider. Their knowledge of current pricing put us at ease and gave us confidence that we weren't being taken advantage of with what is one of our largest expenses. They were always quick to respond, available when we needed them and professionals in every way. They eased the workload for us a great deal with their spending models, analysis and verification practices. We've used other consultants before and this experience was a night and day difference!"
Senior Vice President, Director of Operations and Deposit Compliance / Franklin Savings Bank
Pima Federal Credit Union"Cornerstone Advisors has supported our credit union through several contract negotiation engagements, educational opportunities, and ongoing initiatives as part of the Technology Performance Management program. Their subject matter experts in the areas of technology, payments, digital landscape, and data are top-notch. Cornerstone's market research and recommendations bolster our decision-making; their efforts on our behalf to negotiate best-in-class contract savings enable us to manage expenses and provide value to our members. The team's follow-up and responsiveness makes collaboration so easy! We value our partnership with Cornerstone."
SVP, Organizational Development
Bank of Commerce"As the director of IT for our mid-sized community banking group since 1987, I have never hired a consultant for contract negotiations. When it came time to negotiate with our core processor to move our in-house core to their outsourced solution, I knew I needed a partner. Cornerstone, an endorsed partner of the Kansas Bankers Association was the obvious choice, as I had attended several workshops put on by Cornerstone at our annual conferences and knew them to be a trustworthy company. Our Associate Consultant assigned by Cornerstone did an excellent job of discovering and defining where we were, and helping us determine where we wanted to be. He was patient and empathetic through the process, guiding us through the many decisions we had to make. Furthermore, he was able to draw upon the knowledge of Cornerstone as a whole, in order to get us the best contract possible. All in all, it was a very good process, and for the first time I feel like I left very little 'on the table'. I will certainly use Cornerstones services again."
Homestead Savings Bank"Cornerstone Advisors supported us with our core provider contract. The process was efficient, organized, and completed within our established timelines. Our experience with Justin Colella, Senior Consultant was professional, and he exceeded our expectations at every level. He provided detailed documents and reports and gave us the information to make decisions. Thank you, Justin and Cornerstone Advisors.
President/CEO / Homestead Savings Bank
DefenseStorm"On February 25, 2020, Sam Kilmer delivered a "Guide to the Market" presentation to our national sales team during our annual kickoff. DefenseStorm is solely focused on serving the banking vertical and so we contracted with Sam to provide banking industry insights to our sellers. Sam did a fantastic job explaining industry dynamics and Cornerstone's perspective on trends and strategies while also very effectively tying them to the work we do at DefenseStorm. In terms of both style and substance, Sam received rave reviews from our team."
CEO / DefenseStorm
nCino"We always love partnering with the Cornerstone Team. Steve and Sam represent true industry thought leaders whose nSight 2020 presentation delivered a meaningful best practice point of view on commercial loan origination."
Bottomline"We recently contracted with Cornerstone and Ron Shevlin to host a series of video interviews/podcasts titled "Smart Banks Can Win in Small Business". Ron not-only led the 20 min interviews/discussions, he was integral in working on the topics and helping solicit guest speakers. With the launch of the videos as an anchor resource on a new microsite, Ron supported the promotion of the site and video series on social media. We also leveraged Ron as a panelist for a webinar with The Financial Brand on the same topic. Ron was an excellent partner on this project. We will definitely look to do more with Ron and Cornerstone in the future."
VP Banking Solutions Marketing / Bottomline
Abrigo"Cornerstone Advisors' Sam Kilmer and Joel Pruis delivered an excellent presentation on The New Banking Nerve Center to over 450 bankers at Abrigo's ThinkBIG virtual conference in September 2020. The session was one of our top-rated general sessions by attendees. Several wrote in the comments that the session was their favorite for the day with good insights into using data to drive the financial institution. Sam and Joel were easy to work with and open to ideas and feedback."
Director, Event Marketing / Abrigo
Redwood Credit Union"Cornerstone Advisors and their exceptional project management staff were critical to helping us complete a large assessment and roadmap for the future of our credit union. It is always a pleasure to work with knowledgable, friendly and efficient staff."
Redwood Credit Union
SESLOC Federal Credit Union"We couldn't have arrived here without Cornerstone Advisors. We're very happy with the work and we definitely got a much better result than we could have on our own. The knowledge and experience in the payments area was very valuable and made this project very smooth."
SVP, CIO / SESLOC Federal Credit Union
Pittsford Federal Credit Union"Cornerstone’s most recent engagement with PFCU left me with a continuing appreciation for their professionalism, their willingness to focus on what we deemed most important/critical for our organization, and the clear value of their expertise regarding the specifics of the industry."
Nicolet National Bank"Nicolet Bank has worked with the Payments Team at Cornerstone on different engagements the past few years, most recently on our Card Brand Agreement negotiations in 2022. We set out to ensure the next Brand Agreement aligned with Nicolet's overall strategic plan, and could not have had a better experience working with Brandi and Tony throughout the process. We highly encourage other Card Issuers to have a conversation with Cornerstone's Payments Team, you would be amazed at how true the statement "You Don't Know, What You Don't Know" can be in the fast-evolving Payments space."
AVP Card Services Manager
Frontwave Credit Union“When partnering with Cornerstone Advisors, we thought we knew what we wanted, but it turned out that we learned so much from the team. They spent a lot of time educating us and taking us through the needed steps to align our go-forward digital transformation strategy. We never felt like we were part of the usual “we have a process and template we will fit you into.” They got to know us and focused on developing a unique plan to the demands of our lines of business, customers and markets. Going forward, Cornerstone Advisors will be a strong partner to help us achieve our Digital Transformation target outcomes as we execute the recommendations.”
EVP and COO / GSB
Centris Federal Credit Union"We engaged with Cornerstone Advisors to carry out an assessment of our Contact Center. We had a vision for our contact center, however we needed a clear cut strategy to get us to the finish line. Cornerstone was super easy and delightful to work with. Their recommendations have transformed the way that we do business and we have been able to integrate several of their recommendations which has impacted our member experience positively. We are happy for the continued partnership with Cornerstone and eager to work on the continued improvements and features that support our strategic goals."
Assistant Vice President, Retail Financial Services / Centris Federal Credit Union
Solarity Credit Union"Cornerstone was contacted early during the on-set of the COVID-19 pandemic to help us sort out and reset our strategy for the next few years. Steve Williams helped us to engage our Senior Management Team and Board of Directors in strategically considering the opportunities for change that disruption presents. Steve listened well and gave thoughtful feedback. I would recommend Steve Williams to facilitate your financial institutions next strategic planning session."
President & CEO / Solarity Credit Union
Frontwave Credit Union"Frontwave Credit Union has engaged Cornerstone Advisors for advice and guidance on a number of highly impactful matters. From the selection of a new card processing vendor and facilitation of three strategic planning sessions to assisting us with the due diligence and construction of a plan to launch business services and lending platform; every engagement was professionally executed. Cornerstone Advisors amply leveraged their expertise, depth of experience and extensive knowledge of the marketplace to help us make innovative and enlightened decisions when crafting a transformative strategic direction and making the shifts necessary to support strategic initiatives. Without a doubt, our engagements with Cornerstone Advisors has helped us select strong business partners, save money and boldly pursue new and exciting strategic objectives."
President and CEO / Frontwave Credit Union
Citizens Business Bank"We engaged Cornerstone to assist us with our Strategic Planning process. The process directed by Cornerstone allowed us to create a Strategic Plan and Strategic Planning process that will ensure our top decile performance for many years to come."
CEO / Citizens Business Bank
U.S. Eagle Federal Credit Union"Vincent and the team at Cornerstone Advisors have helped us and our Board transition from primarily tactical discussions to a strategic, proactive organization, aligning our strategic plan to annual business plans and our project efforts. Along the way, our metrics have reflected this growth, moving from .35% ROA to 1.25% in 2021. The guidance has evolved as we have, and your patience in matching the guidance to our level of sophistication has paid off significantly. We could not be more appreciative, and look forward to continuing the journey."
Chief Operation Officer
Tinker Federal Credit Union"Once we reached $1 Billion in assets in 2001, we decided it was time for a more sophisticated strategic planning process. After careful review, we chose to go with Cornerstone Advisors. Since then, we have reached $5 Billion in assets, and our membership has grown from 162,000 to 414,000 members. The strategic plan we have created is a continuous, living and breathing document. It is definitely our road map to our future, and we appreciate the guidance we get from Cornerstone Advisors and our facilitator, Sam Kilmer."
President & CEO / Tinker Federal Credit Union
Commonwealth Central Credit Union"Over the last several years we worked on many projects with Cornerstone Advisors’ team. They helped us to find and implement new Online / Mobile banking system, negotiate several contract renewals and review and develop Cloud Preferred strategy. This time we've asked them to help review Digital Growth Strategy for the Credit Union. The Cornerstone team helped us to collect relevant data, analyze it, identify gaps and develop short and long term goals. Together, we've created realistic roadmap to move our Digital Transformation strategy forward. The entire team was extremely helpful and knowledgeable throughout the entire engagement. I would definitely recommend Cornerstone Advisors to my credit union peers for similar projects and look forward to more projects together."
Vice President, Information Technology / Commonwealth Central Credit Union
First Merchants Corporation"Cornerstone facilitated our strategic planning process involving the Board and Senior management team. Through the process, we were able to build enthusiasm and momentum around our revised Mission Statement and operating model. Working with Cornerstone Advisors has been a home run."
Executive Vice President, COO & CFO / First Merchants Corporation
Kirtland Federal Credit Union"We have been utilizing Cornerstone Advisors for several years in the area of strategic solutions, contract solutions and performance solutions. Ryan has been facilitating the strategic planning sessions for KFCU. His skill set helped us achieve consensus on our overall arching strategy to evolve the credit union into the future. Ryan is a strategic partner and continuous to follow up with us on our progress toward our initiatives."
EVP / Kirtland Federal Credit Union
SESLOC Federal Credit Union"Ryan did an outstanding job with the preparation and facilitation of our Board Planning retreat. His personal industry knowledge is deep and added so much to the perspective in our discussions. His pace moved quickly and we covered a lot, but no one felt rushed. Both board and senior management agreed that we had never had such good group engagement and discussion in prior retreats; several board members who work in other industries said this was the best professional session they had ever attended. Ryan and the Cornerstone team provided the final 5-year Plan output in a professional format that offers a great framework for sharing our strategy clearly with the rest of team."
President & CEO / SESLOC Federal Credit Union
Anonymous"Selecting a new Mortgage Loan Operating System for a Credit Union our size was a daunting task and we couldn’t afford to ‘miss’ on this selection. Cornerstone Advisors provided the landscape of offerings and relevant metrics to help lead our decision making process. Cornerstone was abundantly proficient in helping define the overall scope of the project and aligning the affiliated vendors to our newly selected LOS as well. Finally, their assistance in the negotiations of our new system was paramount in the comprehensive fit for our organization"
Fidelity Bank"Fidelity Bank views Cornerstone’s collaborative approach as a differentiator. In all of our engagements, it feels like we’re getting an extension of our team rather than working with third-party consultants. We recently partnered with Cornerstone to develop a Digital Strategic Marketing and Sales Roadmap, and we came away confident that Cornerstone’s recommendations will help us execute on our goals more effectively and boost our digital UX performance to the next level."
SVP, Marketing and Digital Sales / Fidelity Bank
Elevations Credit Union"Every year we budget for third party advisor services and Cornerstone Advisors has been our 'go to' for years. We don't always know when we will need their expertise, but inevitably we call on them multiple times throughout the year. We appreciate that they are very responsive and always come through for us."
Chief Information Officer / Elevations Credit Union
TwinStar Credit Union"Working with Vincent on our strategic planning was invaluable for our team. He brought a strong knowledge of the considerations that our credit union must face, and was able to help us distill something complex into a clear, meaningful set of strategic intentions. Having Vincent facilitate this discussion brought validity and expertise that is hard to gain with all insiders, and for that we were extremely appreciative."
Chief Strategy Officer / TwinStar Credit Union
First Bank"Cornerstone Advisors has been a valued advisor for First Bank through numerous strategic initiatives. Most recently Cornerstone partnered with us to help the bank streamline our commercial underwriting processes. With a carefully planned agenda, Cornerstone’s expert facilitator kept the two-day meeting on track and ultimately delivered an impactful meeting for bank stakeholders."
Chief Credit Officer / First Bank
Patelco Credit Union"Steve Williams of Cornerstone has facilitated Patelco's Strategic Planning Session for the last 5 years; He is always very well prepared, knows our Board, credit union history and focused on what we are trying to accomplish for the future. Steve is smart, articulate, extremely knowledgeable on the financial services industry, funny and can rap with the best of them."
Special Assistant to President/CEO / Patelco Credit Union
TruWest Credit Union"TruWest Credit Union was looking for an accelerated, High-Performance Roadmap to benchmark our entire credit union, and Cornerstone Advisors delivered! Cornerstone’s energetic team worked tirelessly with us to identify more than $4 million in combined expense reduction and revenue opportunities. Cornerstone worked with both credit union management and staff to understand our processes and systems before applying their expertise and industry best practices. Their recommendations not only made sense, they showed us how to look at our credit union with eyes wide open for future opportunities."
SVO & CIO / TruWest Credit Union
Citizens Community Credit Union"Citizens Community Credit Union engaged Cornerstone Advisors to assist us in developing a meaningful strategic plan that would firmly position us to offer the best possible service to our members. The Cornerstone facilitator was knowledgeable about the CU’s strengths and challenges, and he spoke our language as he worked patiently with the team to set concrete, realistic and measurable goals for a competitive future. We could not be happier."
Vice President of Operations / Citizens Community Credit Union
Enterprise Bank"Enterprise Bank has partnered with Cornerstone Advisors on numerous engagements over the last few years. We are consistently impressed by the Cornerstone team’s vendor knowledge and their ability to understand our business needs. Most recently, they delivered measurable results that support our digital transformation journey. Many of us at Enterprise Bank have more than 25 years in the banking industry and have worked with many of the well-known consulting firms. The results we have gained from our Cornerstone partnership has exceeded the value provided by any of the other firms. We are confident that Cornerstone Advisors can deliver on its promise to take us from strategic planning to gritty execution to meet our customer and bank goals.”
SVP, Digital Channels Director / Enterprise Bank
iQ Credit Union"It is like a breath of fresh air when you engage with a consulting company, and they exceed your expectations. Michael Watkins and the team were amazing! They met deadlines, communications were timely, and Cornerstone was the catalyst for making a very informed decision. We accomplished the project knowing and feeling our decisions were guided and not made for us. Yes, we will use Cornerstone again and will recommend their services to others with confidence.”
SVP, Retail Delivery / iQ Credit Union
American Savings BankComing out of Covid, we knew we needed to double down and invest in technology. Cornerstone helped us identify key drivers of expense and variances to peers. We got valuable insights into our operating model and reaffirmed our strategic direction. I wish we had worked with Cornerstone sooner.
EVP, Chief Financial Officer
Elevations Credit UnionWe’ve utilized Cornerstone for roughly 15 years in a variety of roles – strategic planning, merger integration, leading our evaluations and contract negotiations for our most critical vendors (core, digital banking, payments, etc), and participation in their insightful benchmarking processes. We’ve consistently received sound advice and great market perspective. Cornerstone is blessed to have a strong well-rounded team with proven expertise. They’ve helped create great value for our membership!
Chief Financial Officer
TruWest Credit UnionCornerstone's staff is knowledgeable and easy to work with. We asked Cornerstone to do a revenue study for us. They delivered an excellent presentation with several action items. Their team has a comprehensive understanding of the credit union landscape.
ApitureApiture has had several highly successful engagements with Cornerstone in the last two years, including annual brand-awareness research, go-to-market advice, and speaking at events. In each of these areas, the Cornerstone team has gone the extra mile to share actionable insights based on their extensive knowledge of industry dynamics and trends. Each engagement has been top-notch and a lot of fun. We respect the insights and guidance that Sam Kilmer, Ron Shevlin, and others on the Cornerstone team have provided and will continue to consider them go-to partners.
Jax Federal Credit Union"Cornerstone was hired to conduct the IT Assessment and Strategic Technology Plan of our Credit Union. John Venzon was assigned to this project and though initially it felt intimidating, he made the process very comfortable, always had good questions to ask, shared his experiences, even answered some personal leadership questions and did not mind tackling the tough discussions. The tedious process of who works in what capacity, what %, where are we lacking, how business unit owners and application owners need to work with IT Dept. was an eye opener for many..."
He did praise the things we were doing well or had instituted, albeit never used, and requested them to reinstitute them, which we did right away. Processes on how IT Steering Committee would be responsible for any project moving forward was formalized, and two new roles (PM Coordinator and Business Analyst) were hired in IT Dept., that would be very helpful in the future.
I would strongly recommend - if any CU is looking to reevaluate their IT Dept. and their alignment with the CU's strategic plan, should call them right away.
Chief Information Officer
IH Credit Union"We used Cornerstone for assistance in our core selection. We had been on the same core for almost 40 years so needed expert assistance guiding us through the process. Gary Glenn and the rest of the team at Cornerstone made it an easy process and we were delighted with how the easy it was to make our final decision. We would highly recommend Cornerstone when considering a search for a new core."
LA Financial Credit Union"We engaged Cornerstone Advisors for assistance with our core conversion in 2022. Elizabeth, our Cornerstone Project Manager, was helpful in providing resources, timelines, acknowledging our milestones, and keeping us on track. She provided structure, feedback, and solutions to issues we encountered along the way. We launched on time, successfully, and with few issues after implementation. Our success is a result of the partnership with Elizabeth and Cornerstone Advisors.
Chief Retail Officer
Cedar Point Federal Credit UnionCornerstone assisted us in performing core and digital banking selections simultaneously. Their entire team was highly knowledgeable and professional and helped throughout each step of the process. Cindi Perno was absolutely fantastic and did a tremendous job tracking our outstanding items up until the contract signing. Her due diligence and industry knowledge helped prevent us from an inevitable misstep in selection and ultimately put us on the path to success. You won't find a more thorough partner elsewhere!