Let me respond briefly to that. The biggest part of the challenge is that many people in financial institutions do not understand what a cooperative is or how it operates or how it could be successful, because it doesn't fit the business model with which they are familiar. So you have that lack of understanding. That also extends to many people who work in government departments. Many of our people in government departments have no idea what a cooperative is or how it works or how it could be a successful business model. That's part of the challenge.
The second challenge is the one I referred to earlier, where Revenue Canada rules around RSPs make it very difficult to invest in cooperatives. So I may have money I would like to invest in cooperatives, but it's not very easy to do so.
When we get to financial cooperatives, you're absolutely correct, the financial cooperatives do understand the cooperative business model much better. But you need to remember that the financial cooperatives in Canada started out not as financiers of cooperative businesses, but rather as consumer finance organizations. Credit unions were created because farmers and ordinary people couldn't get a loan from the bank for a home or for a small business or for a car, or whatever; they didn't qualify. So they formed credit unions in order to solve a market problem they were facing, which was that the banks didn't want to respond to them.