I have a comment on the disincentive.
Part of the problem that we recognized in the CAIS program was when we went to 100% coverage. If you make the CAIS program too rich, it's a disincentive to take out crop insurance. We want to avoid the conflict of CAIS versus crop insurance. We want to encourage the farmer's individual use of crop insurance to cover his own risks and not to depend on the CAIS program for weather-related risk.