Justin Armstrong works at Cayuga Wooden Boatworks, a business member of the Alternatives Federal Credit Union. Ithaca, New York, 1999. "I don't think I'm here on earth just to earn money. Obviously you have to take care of your family, but beyond that, I'm here to develop myself. I'm here to extend myself, to learn what I can do, to see how things work, and to make the place better." Bill Myers is manager of the Alternatives Federal Credit Union and guides its policies and programs.