The home office believes that in addition providing to providing direct banking and credit card services, the Australian operation should seek to gain a strong foothold in insur ance and investment services. As the country continues to grow economically, this sector of the industry should increase relatively fast. Moreover, few multinational firms are trying to tap this market in Australia, and those that are doing so are from British Commonwealth countries. The CEO believes that the experience of the people being sent to Australia (the U.S. expatriates) will be particularly help- ful in developing this market. He recently noted, "We know that the needs of the Australian market are not as sophisti- cated or complex as those in the United States, but we also know that they are moving in the same direction as we are So we intend to tap our experience and knowledge and use it to garner a commanding share of this expanding market