In what seems like forever ago, before life at Filene, I was sitting at my former credit union in southwest London when in walks Lee, one of our members.

Lee was a fairly new member, a young man in his mid-20s with dark scruffy hair wearing his beaten-up work overalls. I could tell instantly by the nervous look on his face that something was wrong. I called out to him as I’d been the person who opened his account with him. He had been proud of his new credit union membership.

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