Again, it's an age-old hurdle where we've seen some cooperatives succeed. They've figured out how to manage to raise the capital necessary in order to grow and prosper. Others simply, in trying to use—let's call them—traditional business models, fail miserably.
It's almost a case-by-case, person-by-person situation, where you approach one particular financial institution, whether it be a bank or a credit union, and you have people who understand your cause, and they are able to assist you and navigate you, and other people who might not understand the cooperative model, and therefore it creates the roadblocks. Even within current federal programs, there are many that are technically open to cooperatives, but when you start down that path, suddenly you face a lot of brick walls because the people asking the questions don't understand the cooperative model, or the idea of bringing all of these people around one table to bring forward an idea.