All right.
At the other end of the spectrum are what I'll call the medium to large sized co-ops. We had one in particular here a few days ago that had an $8 million or $10 million project. They were having difficulty seeking funding. I don't quite remember the details or whether the details were provided or what they were.
It could be, I would imagine, related to perhaps the lack of a track record. Perhaps it's the way co-ops report their financial records and whether they're open to the public, etc., so maybe it's harder for a lending institution to evaluate risk with a co-op. Perhaps it's related to the membership structure. When members leave, they take their money with them. Does that provide more risk to a lending institution?
I'm wondering if you could perhaps shed some light on the other end of the spectrum—the medium to large sized co-ops—and why they might find it challenging to seek capital funding.