I think the money is there. The interesting thing that I find is that if you want a farm mortgage, whether it's with FCC, credit unions, or the banks, you get anything from 1.5 to 2.5 points higher interest than on a home mortgage. When you talk to your branch manager and ask him why that is—this is short-term money—it's because there's more risk in agriculture and less risk in residential mortgages. Then when you ask them the next question, which is how many farms they have foreclosed on in the last six years, and they say none, or very few, compared to the number of homes, there's a discrepancy there.
So I would agree that the money is available; it's at what cost that there's an issue.
I think there are two systems at work here, and that's because there's much more competition for retail mortgages than agricultural mortgages, which comes down to what I said earlier about the whole factor of concentration within different industries and sectors in agriculture. There's just not nearly the competition there needs to be—except at the grassroots farm level.