I recognize you're saying “to the contrary”. So I'll just leave it at that. That's something for our agriculture committee to look at, at a later date, I suppose.
We've met a lot of cooperatives, a lot of cooperative businesses, a lot of cooperative enterprises. We've heard that they have a far greater survival rate. They tend to have a far greater ability to survive over longer periods of time. If we check 10 years later, some businesses won't have made it, but cooperatives will have.
So I'm saying they have some sort of an advantage. I kept calling it some sort of magic formula. I think it's the mini-brains process: one person, one vote. You get a whole lot of people thinking about what you're doing right or wrong.
But you suggested there's really no difference in how you'd look at a lending application. I'm suggesting that if I came to you with a history that cooperatives on their own will have a far greater likelihood to survive, I think you'd be better off lending to them than to standard businesses. Do you not take that premise and run with it?