I believe one of the challenges they've been facing is that to break those mortgages with CMHC they're looking at possibly 8% to 10% penalties. If you have a 90-unit co-op and $1 million on the mortgage, if you have to spend over $100,000 to break the old mortgage, that's a lot of equity that could be put into those units and that building.
You mentioned there were a couple of challenges. What's the other one?