We currently have a family and housing franchise. With the merger of whats left of housing and debt will there be a significant change in the supervisor criteria ? Currently I meet the housing supervisor criteria and have considerable housing related debt knowledge ie rent arrears housing benefit and mortgage arrears - but am concerned to know whether the supervisor criteria will require broader debt knowledge [even though it appears out of scope. - I interpreted debt to mean only rent or mortgage arrears where the client faces loss of home as opposed to any other debt problems and they also faced loss of their home] ie about credit card debts etc