With regard to the situation with co-ops, there are about 1,200 agriculture co-ops in Canada. They're generally small. There are a number that are fairly large. This particular bill and that change really put the farmer or the ag sector on the same footing as the small business loans act.
In terms of competitive advantage, though, the cooperative structure, as you may know, is quite different from, for example, a publicly traded company, which can access equity markets. The co-op generally finances itself through member shares and retained capital, so there's a significant challenge, especially for smaller co-ops, in accessing expansion capital and in accessing moneys on the scale that is possible for a larger equity-based company.
It's probably fair to say that this is going to be more beneficial for smaller co-ops, because the limit is $3 million. A very large firm would probably have established operating lines and access to capital markets that a small co-op wouldn't benefit from.