It's easier to borrow against a freehold property, obviously, because you can do anything you want against it. We've done loans for repairs for co-ops on several leased lands, and Vancity is happy to do it. Now, there needs to be a certain length of time on the lease. There have to be some conditions in place on the lease, but they're happy to do it.
We have some co-ops with 40-year leases that will be up in 15 years. So you could only get financing for ten years, and that's not enough. We're negotiating with the city on terms for extending those leases to permit financing to happen.