In terms of credit availability with supply management versus non-supply management, I retired from banking a few years ago. At that time it was easier to get loans through supply management because there's perceived stability there. We also have the risk of WTO. There's no question about it. You'd really have to talk to the banks about that, but I think it is easier.
There was a comment made earlier about appreciation on the land values and the ability to get loans. That's frightening, because that's equity-based lending, and the only way equity pays bills is when you sell. I hope the banks aren't getting away from cash-based lending over to equity, because in the long term that is not a good thing.
Bev, I don't know how to answer that. I think to a certain extent, yes, it is. How much? I don't know. You'd have to talk to the bankers. But really, it's an individual case. Supply or non-supply, it's what your financial situation is.