Right. It depends on the situation. We do commercial lending across the country, mainly looking for impact types of commercial loans, but if we're the lead syndicate on that, then we would do that. Otherwise, we get invited into other syndicates, so it goes both ways. That's the thing.
I was just reflecting on the earlier comment on funding. We're the only cooperative financial institution that's actually rated by DBRS, in terms of a rating agency, to get access to commercial paper programs. That is an issue for cooperatives because our structure isn't well understood. So they were experimenting with us. We've been very successful, but because of the nature of the cooperatives and our structure with Central of B.C. and Credit Union Central of Canada, joint and several, it creates a problem in the capital markets to access funding, which is different from capital for the purposes of equity. But that is an issue, and because of the lack of understanding and entrenchment—even at the federal level, I would argue, with regard to understanding—that further creates uncertainty, so the markets use that uncertainty against us.