Yes, we would give preference to that. Again, we understand the model, we understand the direction, we understand that it's member owned and that there is some continuity on a long-term basis versus a single owner business where the governance is one person basically, or a family in that regard.
No, there is consideration in that aspect. Again, one of the most fundamental things we look at, though, in assessing credit is if they have the ability to repay the obligation. We have to take that approach because it's our members' deposits that we're turning around and investing in these companies or cooperatives. That's probably one of the most critical criteria, the ability to repay the loan in the time.