I don't believe it is a paradox. I think the situation is that when we're talking about the net income being negative, most of the time we're talking about that before the level of payments come in. When we talk about an agricultural industry, we know that around the globe, agriculture is an industry that has political support at all levels. It's considered a staple industry. How do your people get fed in your country, and are they able to generate income? That's a key part of government policies around the world. So I don't think that's really a disconnect.
But when groups talk about net income, they would like to, ideally, be soundly profitable without any kinds of payments. If we then look at our clients, we look at everything that happened in their business. So they've got the natural revenue from the sale of the products that they sell. In addition, they've got revenue from the payments that were due them from whatever insurance programs or whatever support programs fell their way. In that context, the ability of those producers to survive over the course of time has been very strong.
If we look at our trending in the organization I work for, the number of problem loans that we are seeing today is not significantly higher than what it was five years ago.