I will start with this question. If you are talking about someone wanting to start in agriculture without any other support, there are some rules that we follow. Usually, we work with young farmers early on in order to help them build their funding structure. Our portfolio is mainly in Quebec where there are various avenues to build funding structures allowing young people to start in this business. Naturally, in some cases, the cost of capital is very high and they do not have enough cash to make this down payment. On the other hand, there are several public programs that have been set up by cooperatives in order to help young farmers start their operations.
In the case of a farm being transferred by parents, it is possible to use the current net value of the farm to fund the young successor.