Well, they play an important part for the agriculture industry. They are way more flexible than the big banks, right? The programs they have in place are structured such that it does make it affordable for a young farmer like me, for example, to maybe purchase my father's operation and buy him out over time and then expand. However, they still have rules to follow, and they have gone down that road in recent years where they're getting a little tighter. They're probably accountable to somebody down here. If they have too many losses, somebody starts to raise the flag.
It is probably good for them to have checks and balances in play, but at the same time, their checks and balances are probably working as well as AgriStability in certain areas. It just doesn't quite work.