No, because what you're suggesting is already out there. It is broadly available through all the financial institutions that are members of the CBA.
Everybody has flexibility in their products. Basically when they work with clients, they establish repayment schedules over a specified period of time. As and when difficulties arise for those farmers, an opportunity is always built in for the customers wherein the payments can be set aside for a period of time until the situation fixes itself.
We reference the BSE issue, where there were clients who made no payments on principal loans for two and a half years because of the way circumstances went.
The objective we have is to make sure we have the patience to help us work with whatever comes down for the producer, because it will eventually turn itself around. We don't want businesses shut down prematurely. We also want to support governments as they take action to provide programs.
The other responsibility that we have as lenders is to say at what point a business is not going to be viable even when things do turn around. It is a judgment call for financial institutions. We clearly don't want to own farms. We clearly don't want to see people go away broke. Our goal is to say at what point you should be counselled to take another course of action, take the equity, invest it in another way, and do something else. Those are the kinds of decisions and processes we would go through.
Government chooses what it wishes to do. Our goal is to make sure the process is as clean, as amenable, and as supportive of the farm client as possible.