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Bill Strunk, chairman of Strunk & Associates, said credit unions significantly underestimate the size of the overdraft protection- he prefers "overdraft privilege"-market.

Among the statistics cited by Strunk:

* During 300, consumers wrote more than 400-million NSF items.

* During 2000, consumers paid more than $40 billion in NSF-related fees.

* In California, there are more payday lenders than McDonalds and Burger Kings combined.

* There are 13,000 pawnshops in the U.S.

* The estimated 8,000 rent-to-own stores grossed $4.7 billion.

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