Thank you very much.
Thank you for coming. We continue to learn more and more about cooperatives, credit unions, caisses populaires, mutual insurance. It's not all one thing. It's a collective group of a bunch of great things.
I asked a question of our witnesses yesterday, and I'm going to start off with that. Cooperatives seem to have a greater success rate. They don't “seem to”; they have a far greater success rate than standard operating corporations or sole proprietorships or any other start-up businesses. You do a better job; you last longer; you're more likely to be successful. I'm trying to catch that lightning in a bottle. What is it? Why are cooperatives more successful?