Absolutely Kate. I do see a role for credit unions. For example, a co-branding credit card is something to offer members: "PenFed & Sparo Giving Card" -- use your PenFed Card and make an impact! In terms of the Sparo Tuition Bank, by all means. Education has no age ceiling. Anyone who is between 50-65 can be awarded a $5000 scholarship via Sparo's Tuition Bank.