Further to that, Mr. Hubbard, you're asking which programs are the most important. Obviously we think the safety net and business risk management is very important. If we can keep our farms profitable in the long run, obviously the banks will support us.
In this same vein, and as I've said for a long time—Years ago we had the young farmer intern program, which was excellent, here in New Brunswick. But we had other programs to support farmers who were getting started. And in response to your question earlier, a young farmer or a farmer going to borrow would do well to be able to borrow 50% or 65% of the cost of the total investment. So if an operation is $500,000 or $1 million or higher than that, which is very common nowadays, it takes a tremendous amount of a person's own money to get started.
We used to have grant programs, and if we don't do that anymore, at the very least we need to have low-interest loan programs similar to what ACOA does for manufacturing and processing. Agriculture used to do those kinds of things for us, but they quit doing that long ago. ACOA doesn't do it now. So there's a tremendous gap there in our industry in helping producers not only get started but even grow and become more efficient.