On a provincial basis, we're very involved in supporting the other co-op models that you've been exposed to or have heard about, particularly the lumber, grocery, and fuel retail distribution co-ops, and certainly the gas co-ops and rural electrification associations. I'm speaking on behalf of the provincial credit union system in that regard. We certainly look to obtain their business and have them deal with us.
In terms of whether we participate or help facilitate start-ups, absolutely we do, and I think we're probably one of the first choices for start-ups because we understand the model. But does that mean we're any more forgiving on our credit risk policies? Probably not. We still have to make sure they have a viable business case or business plan, that there is sustainability and permanency in that and that they have the cash flow to repay debt—those types of things.
So we certainly understand the models and we're there to support them, whereas I think some other financial institutions may not have that same understanding, and that helps us.