Plenty of doomsday scenario's if one wants to let their mind wander but for me several of the directors have serious skin in the game and as Percy keeps reminding us the average reverse equity loan is very small and only a tiny percentage of the value of retiree's homes, (unlike other banks which are lending as high as 95% loans again). Maybe other banks are actually higher risk in any of the doomsday scenarios one cares to conjure up ?