Thank you. That's a good opportunity, in fact, to explain how the program works.
It is delivered through financial institutions, both banks and credit unions. The criteria for young or beginning farmers are the same in terms of loan criteria. It's just that for a young farmer, you get up to 90% rather than the 80% that's available to an established farmer.
If you have not been in the business longer than six years, you're still considered a beginning farmer, because that's the kind of cycle, the business cycle, it takes to get established. A farmer who's been in the business for up to six years would still be considered a beginning farmer. Someone who is not yet in the business but intends to enter the business can demonstrate that intention to the financial institution in a number of ways. For example, people can come with a business plan or a strategy they have put in place and some concrete targets for the acquisition of land or equipment on the land. Other than that, the eligibility requirements would be the same as for a normal borrower.