Actually, I'm quite glad you brought that question up, because we do have a financing source through John Deere with their AgLine program, which our members can get access to. It's somewhat higher than market, but it is a useful tool; it's not that much higher than market. It's a fairly good source of capital. Unfortunately, Farm Credit Corporation, which provides a lot of financing tools to some of the larger input suppliers, has sort of a tied selling arrangement whereby that financing can be used only for their product. In fact, it can reduce competition.
When we originally looked at trying to get that type of financing through Farm Credit Corporation for our members, Farm Credit Corporation saw us as being in competition with some of their existing partners, which really flies in the face of creating additional competition and giving farmers more choice in the marketplace. We'd like to revisit that with Farm Credit and see that farmers have access to those tools to buy wherever they would like to buy at the lowest cost and create that true competition.
Financing is an issue with growers. Even with today's prices, it's a major issue. In fact, the last time I was here, we talked a bit about buying fertilizer maybe a year and a half in advance of the need, when you're already deep into your existing year's operating line. You may want to buy right now for 2010, because normally in one year out of ten that's not the case, like last year. You can buy in advance, but you need additional financing tools to be able to do that.