The bottom line is that we need producer security, so they get paid, whether it's bonding.... That may work for some companies and it may not for others. It's very expensive. It ties up a lot of capital. Farmers pay, ultimately, the cost of that through the basis, as Humphrey pointed out.
Moving to an insurance-based model...we like it because it's an option. It's not one-size-fits-all for every company. It's more market responsive. If a company can cover its liability with insurance cheaper than it can with a bond, we hope it would do that. That creates competition and a better deal for farmers in the end. There's not an excess cost to the system.