There are all kinds of modifications. With the old SDRM, the way it was with NISA, you would take 4% of your gross--it was capped at the time, although really it shouldn't have been capped--and put that into an account. The governments matched it, provincial and federal. But instead of going into a collective account, that account, like a NISA account, was good only for your farm. When you had problems on your farm, you could draw out of that account--but no more. If your account was dry, that was all you would take.
It was absolutely fair. Of course you would have taken it out of your own account only if you really needed it. It was contributory. It was an add-on to NISA, and it worked very well, especially in horticulture. In Ontario, where we have at least 125 different crops, we're never going to have 125 crop insurance programs. It's all mixed up, and you're selling into a volatile market, the fresh market, where prices are different every day. It's a crazy business.
The SDRM, NISA-type thing, where you just.... When it works off of your income tax statement, there it is, nice and simple, no complications. As I say, I guess that's why they killed it: it worked.