Are all ideas in the credit union world free for the taking?

Meet Julie, Coast Capital Savings' award-winning online greeter. Julie is from Canada and has been helping website visitors since 2006.

Transient

Meet Lisa, Community First Credit Union's online greeter. Lisa is from Australia and has been helping web visitors since I am not sure when. UPDATE: since 2007 (from the comments).

Transient

I learned about Lisa in the comments today on the Financial Brand. I have no idea whether Community First has licensed the idea or was given permission to clone Julie.

In the case of these ads, Community First does give props to the originals from BankerSpank that were inspired by Apple (boy, this is getting confusing).

All's fair in the world of cooperative credit unions or just another example of credit union R&D (rip-off and duplicate). What do you think?

Tim