Imagine a world of integrated planning and budgeting that includes What-If calculations for deposits, cost of capital, member loyalty and new product penetration that can directly feed into branch P/L's. Imagine a world where SG&A expenses are automatically generated from underlying business drivers and budget owners have 'budget sandboxes' to evaluate best, worst and most likely case scenarios. Using the workbench, credit unions are setting linked annual budgets, monthly re-forecasts and long-term 5-Year plans.