Thank you very much.
I'm going to go quickly to where we just were and then see if we can get other questions in.
We've certainly heard from a number of co-ops, certainly through briefs and even anecdotally, that for the most part there's a belief that lending institutions don't always understand the needs of a cooperative in the same way as they might understand the needs of a corporation or a business any other way.
Does FCC have a separate department for cooperatives? You do a lot of agriculture business where there are a lot of cooperatives. Tell us how you deal with that, and what your knowledge base is in dealing with cooperatives.