David Fraser: Life and business throws up challenges as well. Frank, what about you?

Frank O'Connor: I mean, you know, you go right back to the beginning and I've no doubt there would have been some challenges in those very early days. The first one was probably the second month after we'd formed, when we talked about forming Capricorn I wanted everybody to put in a lot of money, which they didn't have. So, I went off to the ANZ bank who I was dealing with and said, right I got 21 blokes, going to form a co-operative and you're going to lend them $5,000 each you'll get that bank account for as long as I'm around. But I said, the blokes who don't qualify in your lending terms they still get the $5,000. And the manager shook on it, and we got our capital. Fantastic. Yeah, it's a great story. That was our first crisis.

David: We still bank with those bankers today. So, you know, that hasn't changed either. So, you've still honoured your commitment to the branch manager of the day.

Trent Bartlett: He owes you a beer Frank. Christchurch earthquakes was huge. The Members were hurting really badly, and I was so proud of what we did. And I remember getting boots on ground with the team there during the very early hit. And I went to see one member’s forecourt and the pumps were leaning at 45 degrees and I doubled back three days later, and they were vertical again because another quake had come through and reset it. So, it was just - so how we responded to the members in their moment of need. It was a real challenge for them. And I know I had to hot foot it to London to get more layers of reinsurance because we were burning through our reinsurance levels pretty quick. And so, I was sort of happy at one end but equally concerned.

David: You'd be pleased to know that the legacy of jumping in, when those crisis moments happen hasn't been lost on Capricorn, you know, today and, you know, we've come through a couple of years ago, you know, the largest floods in Australia's history and, you know, our teams jumped straight back in, to help our members through, you know, some pretty tough times. And I can remember seeing photos of, you know, our teams in gumboots and you know, strolling through water and mud and all those sorts of things. So, you know and that is, again, part of, you know, why we exist and here to help and help our Members get back, you know, trading as quickly as they possibly can.

Brad Gannon: Yeah, I think probably one of the biggest challenges we face was the difficult decision to leave South Africa. Certainly, every effort had been made to make Capricorn as successful in South Africa as it had been in Australia and New Zealand. But I think probably the bit that we can be most proud of is the way in which we left. And there were obviously risks involved for Capricorn and the membership at large in doing that. But the way in which we went about it, the way which we looked after those Members, the way in which we looked after those suppliers they repaid in-kind, and we left with our head held high.