These are further divided into territories, which are then sub-divided into divisions. Some territories cover several countries (like Italy and Greece) while some countries may have several territories ("Australia Eastern" and "Australia Southern") In larger areas, regional and area commands are also introduced as subdivisions of divisions. Each territory has an administrative hub known as territorial headquarters (THQ). Likewise, each division has a divisional headquarters (DHQ). Each of these territories is led by a territorial commander who receives orders from the Salvation Army's international headquarters in London. A territory is normally led by an officer holding the rank of colonel (for small territories) or commissioner for larger territories. In some countries, the work of The Salvation Army may be called a command, led by a command commander. A larger command is typically led by an officer holding the rank of colonel. There is a Women's Ministries division devoted to supporting women in ministry which has 766,369 members, founded as the "Home League" in 1907. Red Shield Defence Services work with the Armed Services in order to provide assistance such as refreshments, soap, chewing gum, toothpaste and sewing kits. "Waves of Transformation" is a water resources project assisting deprived communities. The International Spiritual Life Commission, is convened by the General to examine and identify aspects essential to the spiritual growth of both the Church and individual Salvationists. Reliance Bank is the financial services arm of the Salvation Army, offering bank accounts, loans and mortgages. It is registered with the UK banking regulator, the Financial Conduct Authority, registration number 204537. SAGIC Insurance is the insurance services arm of the Army, offering various types of policy, a nationwide removals service and a conveyancing service for buying and selling houses.