JANUARYőł Vol. 69, Issue 1 36 View from the top Independent Banker's inaugural Community Bank CEO Outlook survey asked respondents what's on their to-do lists in 2019. Here's what they said features 46 A light in the dark web Theresa Payton was a top security official in the White House and CBS' Hunted. The ICBA Community Banking LIVE speaker offers tips on keeping your bank safe from digital threats 50 What's retirement? Young startup founders may grab headlines, but their elders are increasingly putting off retirement in favor of becoming business owners. How can your bank reach these later-in-life entrepreneurs? Cover illustration: Mark Smith independentbanker.org Q 1http://www.independentbanker.org