Before I go to Farm Credit--and I imagine Mr. Stewart has a comment--I support the need for a federal crown corporation in lending. But I can tell you, Mr. Stewart, from my experience dealing with farmers in trouble, that I'd rather deal any day with the chartered banks. When farmers are in trouble the banks are willing to cut a deal, but Farm Credit is not willing to negotiate and come to some kind of settlement. In these times, I think that's needed.
Mr. Stewart.