I don't think that co-ops would be more disadvantaged than others, all other things being equal. Anyone has to come with a good business case and a good sense of what they're undertaking.
I have to admit that Alterna doesn't do a whole lot of that at this point in time. We don't have the skills to do it. We do some of it. We're helping finance a funeral co-op, for instance, in Gatineau right now. They're in the start-up phase. I think helping anyone in the start-up phase is not for the faint of heart.
I will tell you that by and large, regulators don't like us doing that because of the risk profile that tends to go with it.
I don't think they're more disadvantaged. I just think that it's a really hard thing to do.