I'd be glad to take that question.
With respect to the options, currently a producer-guarantor secures an advance with the product itself once it's produced or with a business risk management program while it's in production. When the grain is in the field, we want to have a business risk management protecting that in case something goes wrong with the product in the field. Right now producers are limited to our business risk management program suite, agri-stability, agri-invest, agri-insurance. What we're noting, though, is that we're seeing more private products come out there in the world to protect producers from risk. We want to make sure that our programs can look at those types of programs as the ability to secure an advance. This provides a producer with not only flexibility as to the risk management product he uses, but should also result in greater dollar advances as well.