I think by and large when we look at a business application--regardless of the industry that it comes from--we use the same principles. You want well-managed businesses. You want enough capacity to repay the loan obligations that are projected as being undertaken. Then you want the collateral behind it to give you the safety net in that unlikely event that the business fails.
So to that extent you do look at loans very similarly, whether they are agricultural loans or steel company loans or automotive loans. The difference potentially comes in that agriculture has an asset that other industries do not, and that is land, which essentially appreciates. In many other industries you'd have depreciating real estate assets. So you've always got that sort of leverage in the balance sheet.