Maybe I'll just interject, because I've had lots of those conversations recently in the field.
When the new young farmer comes in to talk to us, they're very optimistic. They're not coming in to talk to their banker about regulatory issues or dollars in the mailbox, as you've said. They're coming in saying, “I have a plan. I have a dream. I want to be in this business.” It's about team work. It's about working together to say, “How can we make this come to fruition?” We sit there as bankers to act as advisers, as we've mentioned before. We're one of many advisers at the table when they come to us. But our goal is ultimately to try to help them realize that dream, where it makes sense. Provided they provide us with a viable business plan, we'll support them accordingly.