Mallow credit union is having its agm next Thursday. It is paying a dividend this year. Mallow credit union is in better shape and it is more secure than many a bank. It had only one year of financial problems. Without state assistance it recovered and for the last 2 years it has been in profit. We need a variety of financial businesses in Ireland. The domination of private banks has ruined Ireland. We need to recreate the building societies as well as growing the credit union movement. The era of the free markets must end. We need sane regulations in the economy. Will we learn the mistakes of the past?