No. I think they do lend far more easily to other cooperatives. You do have a regulatory problem. In Spain, for example, the Bank of Spain moved in to tell the Caja Laboral Popular Coop de Crédito, which is a very strong and very highly rated financial institution, that they felt they had too much of their money invested in co-ops, and that they really shouldn't be investing in co-ops nearly so much. So they persuaded them to invest in nice triple-A-rated stuff like some Lehman's stock, which they held when Lehman's went under.
Regulatory pressure is a problem, because the regulators are not particularly good at understanding the cooperative business model and how it works and why it works. So they put pressure on cooperative financial institutions, whether they're in insurance or credit unions, to be very careful about why they were loaning to these co-ops. But they don't go and put pressure on the banks to say how come you're not making 10% of your loans to co-ops. There is an imbalance in terms of the situation.
I have a final comment. I think that co-ops also have failed to define what I would call a cooperative capital model. In other words, I think cooperatives offer a very viable breed of capital people can invest in, which I would call cooperative capital. They haven't done a very good job of defining that model or marketing that model, but I think there's a lot of potential in it. Again, there is also a government regulatory role in making it easier for them to do that, and making it possible for them to do that.