THIS Christmas, thousands of people will sit down and watch It's A Wonderful Life, Frank Capra's gem about the little man finding hope when things are bleak.
In this masterpiece, George Bailey runs a Business and Loan, which helps people to buy a home, or fund a business, without having to use the town bank, which is run by the profit-driven Mr Potter.
The Building and Loan finds itself in trouble and Mr Potter tries to get his greedy hands on it.
While you are siding with George Bailey and the townspeople of Bedford Falls against Mr Potter, think of your local credit union and what it will become if it just becomes another bank.
Frank Capra wasn't just a filmmaker, he was a philosopher.