There are also some other product offerings by banks that facilitate young people trying to get into agriculture. As Marion alluded to during his introductory remarks, the CALA program, of course, is the most obvious of which, that is now available to new entrants, to new farmers, looking to get into the agricultural space. Other enhancements have been certainly of a higher level or a higher threshold with which the program now tolerates...and is now eligible for land finance.
In addition to that, banks are also willing to look at the succession of parents, through the use of vendor take-back initiatives, where some of the equity that my colleague suggested is critical to the future viability of a business can come from a parent or family member who can provide that while at the same time getting bank financing.