sentences:  And Raiffeisen strongly opposed efforts by Schulze to limit the liability of credit union members, because he felt that such limits would dilute bonds of association and the power of the rural banks to fund their loans from the savings of local members.In spite of this acrimony, by 1913 over 2 million Germans were members of credit unions.Of these, 80% lived in communities with less than 3,000 people.