I was going to talk a lot about the education in agriculture. Joe already made a lot of good points there.
It's very important to keep that going, since there is only the University of Guelph pretty well in this area, and Trenton. I'd have to say that probably only 10% or 15% of the students I graduated with actually came home to farm. I've talked to a lot of them, and they're in big-time trouble, shuffling, going to do relief milking, and so on. None of them have purchased their own farm. And if they have told me they purchased their own farm, then...it's just not feasible at all.
I'd also have to say that one thing to look at, too, is definitely, when you're younger, everybody wants to do it on their own. One thing is to spread it out, and you have to get the word out. I mean, I bought a farm with my brother and my cousins and we all have off-farm jobs. My off-farm job is working for my dad on the farm, but I consider it an off-farm job. You've got to have it and you've got to do it.
In terms of protecting interest rates, I know that even with our Agricore bills, the profit margins fluctuate so much with the inputs and what we're getting for our crop, it's hard to come up with those timely payments. You can't plan each year. It jumps all around. I'm not saying every other business doesn't have those challenges and risks, but it is very tough.