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Let's go deeper into **Navy Federal's structure and operations**. One of the key things to understand about Navy Federal is that it's a *not-for-profit* organization. This means that any profits they make are reinvested back into the credit union or used to benefit its members. This structure allows them to offer competitive rates and low fees. But here's the kicker: Navy Federal is *not* funded by the government. It's funded by its members through deposits, loans, and other financial activities. This is in stark contrast to government agencies, which rely on taxpayer dollars. Navy Federal has its own internal governance structure, which includes a board of directors elected by its members. These board members are responsible for overseeing the credit union's operations and ensuring that it's run in the best interests of its members. They also have a management team that handles the day-to-day operations. This model is very different from a government agency. Government agencies are governed by laws, rules, and regulations set by the government. The credit union is *regulated* by the National Credit Union Administration (NCUA). The NCUA is an independent federal agency that charters, regulates, and supervises federal credit unions. The NCUA, unlike the government, does not directly control Navy Federal's operations. The NCUA's role is to ensure that the credit union operates in a safe and sound manner and to protect the interests of its members. And the NCUA *does* provide deposit insurance to protect members' savings. This is similar to the FDIC that protects deposits in banks. However, the insurance does not make the credit union a government agency.
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* **Lumpectomy:** This involves removing the tumor and a small amount of surrounding healthy tissue. It's often followed by radiation therapy to kill any remaining cancer cells. Lumpectomy is a good option if the tumor is relatively small and can be completely removed with clear margins (meaning no cancer cells are found at the edges of the removed tissue). The advantage of lumpectomy is that it preserves the breast, but it typically requires follow-up radiation.
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