Jeff is right on.
In my experience, when the co-op boards are educated and they understand their cooperative strategic plan.... There are a hundred co-ops that are member-owners of Co-op Atlantic, and almost all of them have strategic plans that are very focused on the future, and it's a blend of the savings. In the consumer cooperatives we deal with, the consumers are buying the product at market, so everything beyond that on a rebate or a dividend is actually a premium. And there are not big expectations of that premium; they would rather see money stay within the cooperative to reinvest in and grow their cooperative.
That's why I think you're seeing that cooperatives that are older and traditional and have been around for a while are quite strong. It's the young ones that have the problems. The young ones are having trouble trying to find capitalization to get going and/or getting enough money up ahead to be able to grow their business.