Thank you very much, Chair.
I'll just start my line of questioning by looking at the issue of business-type management when it comes to farms, and this overlaps with commodities. If you're an organic farmer, there are certain farm-related decisions that you're going to make that will have an impact on your farm as a business, but there are also business-specific issues that arise.
To give you some examples, in succession planning there are tax implications and capital gains exemptions you need to know about. One of you made a comment about servicing debt levels. This is a very real problem. Farmers need some knowledge in regard to the following. Do you service your debt when, for example, you have a good crop year like this year? Do you buy new equipment for the farm, or do you buy the farm beside you—because capital acquisitions actually have been escalating very nicely over these last five years or ten years, so it's seen as an investment? How do you make that decision?
I want to ask each one of you a slightly different question. I'll start with the wine industry. You were mentioning, for example, that if you're carrying stock from previous years, you can't get a loan. That's key information for vintners, so what I'd like to know is whether you promote business-type courses as an association. How do you promote them? Do you run them? Could you fill us in a bit on how business acumen might be developed amongst your sector?