The key thing—and Humphrey Banack, Wild Rose Agricultural Producers' president from Alberta has explained it to me—is that the accessibility and usability of the programming is different in Alberta. Certainly, if you have a commodity broker and you have an investment counsellor, you can do all these sophisticated things of hedging off Chicago futures on your own, but does the average farmer in a small, busy family farm really have the time to do that? Having a product that's administered provincially by your crop insurance agency or whoever is providing your ag services in the province with federal support.... I think in Alberta they actually don't have any government money involved in the price insurance program; it's strictly actuarially self-supporting. I think the administration is helped by the Alberta government only, so it's not costing government money.
When we talk about the advance payments program and using cash advances, this is another example of a tool that allows farmers to take the profitability from the marketplace and not from government programming. Anything we can do to make it more efficient for farmers to access marketplace revenue is going to give pressure relief to government spending on government programs.