Thank you, Chair.
First of all, I want to recognize the fact that for all of you, except maybe Ryan, this is probably the first time you've been to a committee structure like this. I'm encouraged by your bravery. You all did very well in your presentations.
I'm going to key in around the crop insurance side of it, because when we look at young farmers, two things that come into my mind are profitability and how to manage risk. Then a third one would also come in: capital requirements.
If we can start to manage the risk properly, that affects a couple of things. If we know we have a proper crop insurance program, if I can go to the banker and say I'm guaranteed x number of dollars per acre, he's more comfortable giving me an operating line, and away we go.
It's the same with our cash advances. If we have an accurate dollar value, we can get a proper cash advance that reflects the size of our operations—providing you're not over $400,000, as Stuart pointed out.
Kalissa, you touched on something—I'm sorry, I'm used to being informal, but I mean Ms. Regier—about “the first five years”. Have you thought through that program very much, about what you would do for young farmers in those first five years, what types of things you would try to...? Would it be an increase in production? Would you say, okay, you get 110%? Have you put any thought to this?
And Barb, do you have some thoughts on this, too?