I am very happy to speak in this evening's debate and I congratulate Christine May on bringing this most worthwhile and relevant subject to the chamber.Credit unions and financial co-operatives offer a vital and—more important—accessible service for communities and individual members of society who experience difficulty in accessing alternative financial services. In this age of right to buy, low-interest mortgages and easily accessible credit, a significant number of less fortunate people experience, for a variety of reasons, serious difficulties in making ends meet because they do not have ready access to financial security.