I just got the ballot and it only has those persons who are nominated to be on the board. Not a by name capability to vote for or against any individual. And I was horrified to see a wife who had only been in USAA nominated. NO MILITARY SERVICE WHAT SO EVER. She had been a stooge staffer on NSA and worked dept of commerce. But no knowledge of the profession of arms, voted no on her. Why? Lack of military experience.