If I might add something to that, with the changes that both Quebec and Ontario have made relative to quotas and how quotas will be priced going forward, I think that's one of the issues you raised as a concern.
What we have done over the course of time is to lend on relatively conservative ratios. We would not lend more than 40%, 50%, sometimes as much as 60% of the value of the quota. That was one of the pressures on producers: to make sure they could actually service the cashflow needs of those changes to their business when they were purchasing additional quota so that the change in value in and of itself would not destroy the security package that was behind the financing of that business.
The other thing that should be remembered about the farm income, in the circumstance of the changing quota values, is that the income itself is not changing at this point in time. The price for milk is not changing. The producer's ability to sell milk is not changing. That is not changing. And it really goes to what the future transactions in respect of the purchase of quota and the sale of quota will do.