I have no problem speaking to that question.
I don't think the amount of debt within the industry is impacting the availability of credit at this point in time. There is certainly credit available where the situation warrants. As we mentioned previously, we assess credit applications on a case-by-case basis. If the individual, be they an existing farmer or a new farmer, comes to us seeking credit, we will review their business plan.
There are certainly programs. For example, the CALA program provides a higher loan value and minimizes the down payment requirement. It only requires a 10% down payment for new farmers, so it's a great avenue for new farmers to get into the game.
Certainly every situation is evaluated individually, and I don't think the $59 billion is limiting the availability of credit to new farmers at this point in time.