That's the reason that's been given to us, that technically SDRM is not an insurance program, it's more of an entitlement. You set money aside for your farm, and you can draw just on that.
In a true insurance program, apparently.... Take house insurance; everybody puts their money into a common pool. If your house burns down, then you come out a winner. If unfortunately your house is standing at the end of the year, you simply lose your premium--but you still have your house.
That's not true with SDRM because it's an individual account. It was an add-on to NISA, and it works more under the NISA concept. It works just great, nice and simple. All the numbers come off your income tax, so if you want to beat the system, you're fighting with the income tax boys.
The program had a very low administration cost and a very high recruitment of farmers. Farmers said, hey, here's something I understand, here's something that works for me. They loved it. But I guess it was too good, so they took it away. It was too simple.