Yes, I would agree with that argument for sure.
The other advantage, if I can say, in terms of the wider co-op development impact, is that many of these housing co-ops probably.... Certainly in Winnipeg the Assiniboine Credit Union has been the first choice for these co-ops to look at getting that refinancing done. More than simply being able to benefit the housing co-op by allowing it access to the financing required to do its capital improvements, it is also about being able to get that financing secured.