You're talking about family farms, and I want to be a little bit of an opportunist here. This is all about family farms.
A number of you have asked, “Aren't there other things? Isn't there factoring? Isn't there insurance? Why don't the other traditional tools work?” It's because we're talking about family farms.
One of the last reports that was done by Aon Insurance talked about the fact that 20% of the buyers are actually not insurable. These buyers buy at three or four times what their net worth is. Family farms are at a distinct disadvantage. Yes, insurance is a great viable option between two healthy, large firms, business to business, but to look at insurance as a farm-to-fork solution.... A number of reports that I'm more than happy to provide point to the fact that, yes, insurance works for large, successful, well-financed operations; it's the small and family farms that can't do it.