The whole thing comes down to red tape and regulation. For all of us having run businesses and farms, the last thing you want to do is come in at 10 o'clock at night and start doing paperwork that's going to take you a couple of hours, when you've already put in your 12- or 14-hour day.
We've done an assessment of all of that. We don't deliver the actual program. It's done through third parties that do that. We are now instructing them to now offer other ways of repayment. Let's say I take a cash advance on my canola and I decide I'm not selling that. It used to be that you had to sell that in order to make your repayment. Now you can actually sell another commodity. You might see the price going up on canola. You can actually hold it now and sell your wheat, your barley, or something else, which you never could do before. Multiple years in one application; on the farm everybody is working on rotations now of three to five years so that, barring weather-related problems, you know exactly what you're going to need as you move out there. Livestock is now going to be covered, and things like that, which was never done before.
We're trying to make it as user friendly and as operationally easy as we possibly can. You can go to one administrator now for everything, as opposed to picking and choosing who you are going to apply through.
Did I miss anything there, guys?
Greg, are there any other points?