Yes, I think you're right. The fundamentals of financing, of credit decision-making and adjudication, comes down to the three c's of credit: it's the collateral, it's the capacity to repay, and it's the character of the borrower.
The challenge that co-ops perhaps may have, which is unique compared to other structures of enterprises, is that there's still a lot of education that's needed, both, as I mentioned earlier, within the co-op sector—the leadership itself—and also with conventional financial institutions.
With regard to this notion that you need to call a meeting to make a decision, that you need to pass certain resolutions before you make certain decisions based on the bylaws of the co-op, there's that risk to a lender or a potential investor that decision-making is slow, or not efficient or timely. It affects the viability or effectiveness of that organization.
You're right: the fundamentals of lending and credit risk are really no different for a co-op and a non-co-op. I think maybe where we fall short, or where there may be perceived bias in co-ops accessing financing, is that traditional lenders—and I hope credit unions are a bit ahead of the curve on this—are not sufficiently aware of that environment, whether legislative, or the act, which is sort of the enabling environment for co-ops in terms of decision-making and opportunities and so on.