I thank the witnesses for coming today.
My questions really follow up on what Mr. Rinneard said in terms of young farmers. I guess I have some curiosity—and this is for both the Canadian Bankers Association and Farm Credit—about young farmers who decide they want to go into farming.
Let's say I am 20 years old, I've gone through agriculture school, and I want to get into it, but my folks don't have a farm. What are you doing for those young people who want to get into it? Are you able to help them out on a financial basis?
Secondly, what do you do for organic farms, which are definitely totally different in terms of the nature of general farming?