While it's hard to pencil it out, [Pay It Forward] pays us back many times over. Culturally, this is one of the healthiest decisions we've ever made. " -MICHAEL SOLBERG, BELL BANK independentbanker.org IBmag.org ICBA IndependentBanker 17 PHOTOS: P A UL FLESSLANDhttp://www.qmags.com/clickthrough.asp?url=www.independentbanker.org&id=20303&adid=P17E1