For sure.
Certainly, I think that when you go to a lender, they're going to look at the business case and they're going to analyze it based on the business case. Certainly, that does exist. Where I think the difference lies is when you have a conventional small business starting. Whether it's a single entrepreneur or a collection of entrepreneurs, they will put all their assets into it.
Sometimes in a co-op setting, it's a small group of people who, for instance, when you look at rural communities, maybe want to build a hotel in their town, and they want to own it as a community enterprise. All the farmers from the nearby communities are not going to put their livelihoods on the line, if you will. There's a need for this equity financing. I think that's the key difference, and that's where co-ops have a real struggle accessing that equity financing.