No, not directly with the banking community, not directly with the FIs, at this point, but what you're pointing to is an accurate depiction of the problem, for sure.
By “bankable”, we mean exactly as you describe it: the ability of a farmer to say there is my form, it says I'm going to get x thousand dollars, and I'd like to borrow against it, use it as security or what have you, and build an operating line of credit on it.
So that is a weakness of the program, and we're actually using our own producer group, the national producer advisory committee, to try to look at alternatives. One of the alternatives, of course, is this idea of a model against which you pay out depending on a producer's performance. One of the reasons we are slow and somewhat unpredictable is that we rely on tax-filer data, meaning data the producer uses to file his or her taxes. There's a built-in lag there.
We have not solved the challenge of bankability. The only thing I can--