If you look at some of the five factors of success for co-ops, you have leadership—and I guess we have to make sure that we have the right leaders in the community. One of the ways of doing that is by running board governance workshops for people who want to learn more about how to operate a meeting and how to operate a co-op. You have to help with clarifying the goals of people. What are you really doing with your co-op?
I also encourage business cases. If you want to borrow a whole bunch of money, you make sure you have a business case to do that, especially if you have to go to a credit union. They're very good at lending money.