I'd be happy to. It's a fun question, but I'm not sure I'm very prepared for it. I think my colleague from Desjardins in Montreal outlined it pretty well.
You get cooperatives that are very sophisticated and bring the same commitment to execution and discipline that you find in the private sector, and you also find co-ops that are smaller and built around more informal relationships.
It's an area of the economy that offers a great deal of promise in the area of social finance. Look at what such an institution as Vancity, which brought me to Canada, has been able to create, both as a sophisticated financial institution able to execute as well as or close to as well as banks—or better, sometimes—but also, as was noted by my Montreal colleague, in turning more than 30% of our gross profits back into the work I do in trying to build new markets that will strengthen the community.
You have that with Vancity and you have it with Desjardins. You can see that when these work, they become enormously important community institutions around which you can build a lot of other activity. I saw it in Vermont around food co-ops.