Yes, thank you.
One thing I didn't mention in my delivery was that within the co-op sector, there are both for-profit and non-profit co-ops. One very important role that the not-for-profit co-ops have besides their economic impact is in their social impact as well.
One example that comes to mind would be the programs available for for-profit enterprises, such as loan guarantees. These guarantee programs can be accessed through a lender to provide access to financing to support for-profit enterprises; the same isn't true for non-profit co-ops or non-profit organizations generally.
If, for example, a non-profit organization or co-op wants to build assets—they want to buy a building, a day care wants to relocate or to expand spaces in its own building—they have no assets so they can't access financing to get the capital they need to build that building. My suggestion is a loan guarantee much like Canada's small business financing program that was alluded to earlier, but that would be specifically for not-for-profit co-ops to help them build assets and capacity and to access financing so they can then develop their planning and programming to strengthen their internal capacity.