At the end of the day, the market will dictate where pricing should be. There's a lot of competition in the financing industry, not just between the banks that are sitting here at the table but also from Farm Credit, the credit unions, and other suppliers of credit to the industry. The market will drive the price; it will dictate what price needs to be charged.
For the most part, while costs have increased, there hasn't been that much of a risk premium put on because of the economic downturn, specifically in agriculture.