Mr. Chairman, let me make a couple of opening observations.
A number of those questions are very bank-specific. They need to be answered by an individual bank as opposed to the industry.
On the question of assessing risk in AgriStability, every bank will look at that program and decide how that adds to or contributes to risk mitigation.
In terms of what we might suggest for redesigning that program, I don't know if this is a good venue, or if offhand we can tell you what needs to be done or what we would suggest, at this point, to do to that program. But I will let you know that we do meet with officials on a regular basis, and these are the kinds of things we do discuss.
So it is important, and it is something that we will be taking forward, as we do with a number of other things. I think that is a better venue...that we can prepare to have those discussions.
We didn't come here thinking that we were going to give that kind of a suggestion to you.