I think we simply wanted to add on to that. This is the TDCS program that is scheduled to end in 2016, and it does reference patronage to our members. What it effectively does is to enable the issue of eligible shares that defer members' obligations to the time of the actual cashing of those shares. In our case, that could be any time subsequent to 65, or exiting the business, or any number of other triggers.
It would encourage our owners, our members, to leave their capital in the cooperative rather than pulling it out at the first opportunity. As a business, we obviously need to be generating returns on those invested shares, and that becomes a management challenge.
When you talk size and order of magnitude, in terms of Bill's comments, we're actually in a very unique position as a large cooperative. We are a cooperative with in excess of $2 billion. We're too large to be small and too small to be really large. We're kind of in a no-man's land and looking to try to compete with some very large global players, which requires some very significant investment. The past investments that we've talked about, of $20 million or $30 million annually, are the tip of the iceberg. We're thinking in terms of multiples of 10 of that now.