Yes.
It's mostly the financial side and the capitalization side of the funding of co-ops. And it is in the credit unions as well as on the traditional banking side. To give Farm Credit their due, Farm Credit is probably one of the stronger ones. Certainly in Atlantic Canada, in my experience, they've been very good at recognizing cooperative lending, and they understand it. I think it's fair to say that Farm Credit probably has been very good if you fit into their agricultural model. If you're into housing cooperatives or into consumer cooperatives, then of course Farm Credit doesn't lend to them, so there is a gap there.
Yes, I think we have taken our foot off the gas pedal. I appreciate that maybe things need to be modernized. Maybe there needs to be an adjustment, but to cancel it 100% I think is just wrong. We should have looked at an opportunity to maybe have it evolve and find a way to strengthen it so that we can grow our rural economy in Atlantic Canada.
I keep saying “rural economy”, because I think there's a huge need for that. We have urban co-ops. We have some real needs and opportunities to develop some urban cooperatives around Atlantic Canada. But I truly believe that through cooperatives we can strengthen our rural economy. Now is the time to not take our foot off the gas pedal, so to speak.