I would say that what we can provide to young farmers in a lot of instances is business and financial advice. That's key to setting up a commercially viable operation and to helping them meet their long-term goals. I think that's key.
So when you ask if there are different programs or different criteria for our young farmers as opposed to established farmers, the answer would be no, to the extent that when we assess credit, the operation needs to be viable. We're not doing anybody any favours if we provide credit yet the operation doesn't have a high likelihood of success.
I think where we really do a good job as lenders is in talking to that individual and finding out what their goals are, and helping them work through some of the decisions that will allow them to establish an operation that has a high chance of being successful.