Mr. Chairman, I always make a habit of not commenting on something I don't fully understand. I wasn't involved in the initial part of APF, but I have been involved and understand what went on. I can't answer your question honestly, from my judgment, on whether or not it's been done right or wrong.
With respect to rural population, I don't know about anybody else's farm, but we have a large operating line of credit, and we don't get it unless it's well secured and they can get twice as much back out of it as they ever gave us. So if you're going to get young people involved in agriculture today without someone with deep pockets behind them, it just plainly isn't going to happen.
By the way, I might make a comment to you that Farm Credit Corporation does a wonderful job. They communicate well and they could probably communicate even better and make it easier for young farmers. But to get people from an urban setting, unless they have deep pockets, I just don't think it will happen.