Certainly one of the primary issues that we have is financing growth. As I said earlier, we've invested $170 million, which has come primarily from my members. We have some very aggressive growth targets, and the element we have difficulty with is being able to have the cooperative sector and the credit union sector fund that. It's an issue for us. The opposite side of that is that the banks don't understand cooperatives and don't understand what it means to have members investing in them, and therefore they are very reticent, suspicious, and reluctant to do what I would say is a normal business loan case. So we have a bit of an issue with that.
We are under the Ontario Co-operative Corporations Act. We've looked at being able to change ourselves to “Canadian” under the Canada Cooperatives Act. We've had some difficulties just in the sense that the business model, as illustrated by Frank Lowery, doesn't really represent us. It's the class of membership and the voting class of membership and membership shares that kind of disrupts the one member, one vote principle that we want to live by. So we have stayed under the Ontario Co-operative Corporations Act. That is limiting for us, because we see ourselves being able to grow.