If it adds some clarification, I can speak to the flexibilities that have been put in place for producers when they go into default, to reduce the costs of that situation. At this point, should producers go into default, they have been given a five-year repayment timeline; the normal timeline is three.
The costs of actually going into default have been reduced to the extent possible. They would have to repay the interest they owe on that advance, but for the interest-free portion they would only pay a quarter of one per cent, and 1.5% plus prime going forward, so we have tried to reduce the costs as much as possible. For a producer who has a $160,000 advance, for example, that's a reduction in interest costs of about $35,000 over the normal prime-plus-three default penalty that goes forward.
We have rules within the program and we have tried to maximize the flexibilities we have to reduce the impact that would have for those producers should they go into default.