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Ms Foulger was a panelist at the conference along with senior lecturer of economics at the Bermuda College Craig Simmons, writer and economic analyst Larry Burchall, and Kumi Bradshaw of Firm Advisory.The title of their discussion was Survival of the Fittest but Ms Foulger said the title was only shorthand for a more important message from evolutionist Charles Darwin that those most likely to survive are those most responsive to change.

Mr Burchall highlighted Bermudas growing GDP but warned that due to the peculiarities and uniqueness of our situation, it is not going to feel like it.

It will feel like it is dragging on and that is because our need to service our debt is increasing, increasing, increasing. Mr Burchall spoke positively about the potential economic impact of the Americas Cup but stressed that for our economy to be able to support our debt service cost, it would be crucial to increase the working population in Bermuda from 33,500 to at least 45,000.

She encouraged members to focus on their core mission in the current climate. Over time, companies, and I am sure your organisations are the same, start to get some mission creep.

You start off doing one sort of thing for your clients and then you morph into doing other things.

Think about what you are best at, what are you better at than anyone else at delivering.

It is very tempting to get sidetracked with other things when you know you can help but you may not be the best person to offer that help.

By coming together, there is, perhaps, an immediate pain in business where there are some jobs lost but eventually it ends up being a stronger company that can achieve and employ more and contribute more.

I would encourage those in the third sector to think about areas where it makes sense to consolidate or merge.

The rest of the funds are meant to be divided among the other three clubs.

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