a result of mergers and acquisitions, making it difficult for their constituents to avail themselves of bank services. Lastly, the typical consumer finance companies were not interested in originating $100 to $500 non-secured loans. Meanwhile, in Australia and New Zealand our clients still required small, quick, no hassle, loans to take care of "surprise" expenses, like auto repairs, cover cheques, rent due, phone or utility bills, etc., etc., etc. The nicest thing about our business, besides the profits, is the fact we not only provide a wonderful service to our clients but we save them lots of money! One example is the recent lawsuit against a major bank. In a concerted effort to increase their profits, banks are sometimes accused of "clearing" a customers largest cheque first in order to collect multiple "NSF" fees! In these situations, it is much more economical to use our services than to "bounce" cheques. And of course, where can one go in an emergency, for a quick $300 loan?