Thank you very much.
Mr. Tully, you talked about how you moved up and were elected to the board of directors system by being at a meeting. That occurred to most of us because we missed a meeting.
I want to talk a bit about the decision-making process. You've seen it from the absolute grassroots through to the head of an organization the size of yours. One of the things we're hearing a lot from the cooperative movement is on the ability to manage risk in a far different way from most for-profit organizations, if you will, or other corporations would do it, that a one-member, one-vote system truly gives you a built-in cushion on a risk factor because there are that many minds thinking about the risk each time a decision is made. I'll ask you to verify that.
Obviously you've taken decisions up to a board level to try to get something moved, and then sometimes it doesn't happen because the one-person, one-vote system tells you that was the second-best idea that day. Is that a typical pattern? Does that happen?