24-hour motorcycle endurance racing has a strong Francophone base, with the three main events held in France (Le Mans & Magny-Cours) and French-speaking Belgium ( Spa-Francorchamps ), and the most successful teams and riders are French. In 1970, 1971 and 1992 all-British teams of riders won the races. British rider Terry Rymer has had consistent results. In the 1970s the competitors included Phil Read and Neil Tuxworth, who later headed Honda Racing UK. On occasion, the Mead & Tomkinson racing team fielded "Nessie", a revolutionary bike with hub-center steering . 
We are about to implement a risk based billpay model in online banking. Our billpay vendor will make the payments on the customers' behalf, and then send us a file that we will post to the customers' accounts. If there are insufficient funds to cover any of the billpays, we will need to attempt to collect the amount from the customer due to the fact the funds have already been sent. Would this be considered an overdraft program or an extension of credit? Would there be any Reg O concerns associated with this process considering a Director could initiate a billpay that overdaws their account and if it is considered an extension of credit it may cause a Reg O issue. I do not believe this is governed by overdraft regulations and would not be considered an extension of credit.