Allow me to quote the Bundesbank, which in 2014 came to the following conclusion: “negative real rates of interest have been the norm, rather than the exception, over recent decades.” There is absolutely no basis for blaming the ECB for the problems of savers. Interest rates will  BIS central bankers’ speeches  1  only rise when growth and inflation pick up again.
The wide scope of your programmes caters to several demographics, potentially enabling the Club to render assistance to the same individual at different stages of his or her life. The demands on the incoming executive will be great but I am sure that utilising your network you will rise to the challenge.