Well, for example, as you know, there are the banks, and the banks are really centralized organizations. They have a head office, and all the major decisions are made at head office. They have branches, and the branches basically execute the orders, the directives, from head office.
In a co-op, the governance is really different. We also have to adapt the rules regarding good governance, because it is quite different from what you would see in a bank. At the same time, when you look into a co-op, if we say “decentralized”, it's the individual co-op in the whole region, but you need to have a structure with real powers at the same time. For example, in the federation we have those kinds of powers, so it helps us throughout the whole model, but then we have challenges.
For example, you were talking about red tape—