Prior to coming to this place, I was proud to work in the mutual sector for more than two decades, and I strongly support the success of mutuals and co-operatives and the benefits they bring to our market economy. But the organisation I worked for crashed a few years after I left and had to be taken over by another organisation. So, do you recognise they're not a magic bullet, and unless they make a surplus, they won't thrive and survive, and that surplus is dependent upon customer service, competitiveness and financial prudence?