Mr. Mohammed—and I'm going to use Mr. Harty as an example—I refer to the comment you made earlier in response to Mr. Lemieux's question about financing in sole-proprietor enterprises or even small incorporated businesses versus the co-op model. You talked about how in the co-op model, the decision-making process is spread out, if you will, because it's a democratic process with the co-ops, and if I'm a sole proprietor, I make the decision. If want to go ahead, I go ahead.
I'm not picking on you, Mr. Harty, but I'm using the example of you and your group when your decision-making body said no to wireless Internet. Now, if the board had thought that folks were going to go for this and had come to you for money and said, “We want to do rural wireless broadband—we want to follow the model that we were successful with in the co-op in gas distribution,” when you're looking at that, you have two things to consider, isn't that right? You have a board, and you probably would ask them, “Have you made the ultimate decision or are you simply out there looking for something?”
Is that part of the process that you would look at as a lender, as to what happens? Clearly, if you'd said yes to their suggestion, you'd have found out later on that actually their members had said “No, thank you”.