Sure, I'll answer that.
We talk a lot about the credit products that banks provide, but really there are a whole host of other products and services. When we have a conversation, depending on the commodity that the individual is producing, it could be around foreign exchange, it could be around trade arrangements. Whether it's letters of credit or documentary collections, that whole discussion has gotten a lot more complex because it is a global marketplace. A quick example would be the ash cloud that stopped the importation of roses from Kenya. When you think about how connected agriculture is today, it definitely is global.
So I think when we talk about providing financial and business advice, it's about helping those individuals, whether they be beginning farmers or established farmers, o understand what risks they need to manage in their operations.