We have many, many co-ops, and they are varied in size, structure, and mission. It is challenging to speak on behalf of all cooperatives, but certainly what I've been hearing through the Canadian Co-operative Association is that access to capital, in some cases, is a challenge, especially with the smaller organizations. We don't have individual shareholders. We can't have a public offering. As we heard this morning, as well, sometimes financial institutions are reluctant to lend to cooperatives. I think that is a barrier for many co-ops, especially smaller ones.
There are many good things that being a cooperative entails—as we heard a few minutes ago on the engagement of our members—but sometimes that can't overcome some of these structural barriers.