CUNA Interim Chief Economist Mike Schenk describes a "mildly rosy" economic forecast for attendees at his Discovery Session. Urging CUs to "keep perspective," Schenk says what concerns him a lot remains the massive job losses as a result of the most recent recession. "Bad things happen when you live through events like this," he says, citing divorce, health issues, and personal financial instability. And the average duration of unemployment--currently 34.5 months--is a long time. "It's why there remains a disconnect between overall consumer confidence and the day-to-day struggles consumers still face."