If it looks like a duck, quacks like a duck, and acts like a duck, then it is a duck—or so the saying goes. But what about an institution that looks like a bank and acts like a bank? Often it is not a ...

But on this Groundhog Day, Punxsutawney Phil, the world famous groundhog, and the NorthEscambia.com Weather Ducks have both predicted six more weeks of winter.