From a lender's perspective as opposed to a co-op perspective, I think a lot of it relates to the same factors that make credit unions successful. They are locally owned. They are responsive to the members of their communities. They reflect the character of those communities. There is a willingness within the community to keep those businesses going because they reflect so much of what the community is. They are important to the fabric. If it's a fisheries cooperative in a fishing village in Nova Scotia or Prince Edward Island, it's a vital component of the local economy.
From a lender's point of view, we do a lot to support, let's say in the fishing context, both the individual fishers as well as the cooperatives that they may be a part of. We've worked with them through the low times to get them back to when the times were better.