By way of a very brief background, when the APF was first developed, I believe the original concept was that CAIS could replace insurance. All we needed was a CAIS program, which was an all-encompassing program. I think the last few years have proven that other things are necessary as well.
But specifically on your question of cashflow, in the case of production insurance for crops, the majority of our claims are paid within six weeks of a farmer filing a claim. They're generally paid in the fall of the year. In my mind, the benefit is that the farmer knows upfront what his insurance coverage is. That's his guarantee for the year, and if he falls short of that amount he'll be brought up to that level. The money does flow very quickly. In addition to that timeframe of six weeks to two months, we also provide an advance to the farmer when we have more claims than we can handle on a timely basis in a difficult year. There is a set provision to get that money out quickly.