First, just in terms of the co-operative identity, housing co-operatives are autonomous, non-governmental organizations that do have long-term operating agreements and partnerships with government, but they are autonomous and they are outside of government.
Second, in terms of a normal business practice of setting aside replacement reserves or capital reserves, that is a practice within housing co-operatives across the country. However, there are actually a few anomalies in the way replacement reserves are saved and those are a result of the strict long-term operating agreements with CMHC that, in some cases, have actually prevented housing co-operatives from allocating a sufficient amount to their replacement reserves, which has contributed to a capital repair backlog in some cases. That's why it's even more important today that these autonomous co-operative enterprises that are home to Canadians be able to go out onto the market and get better interest rates in order to modernize their properties, make them more energy-efficient, and preserve a very good-quality housing stock for Canadians.