I'll address the question of why participation is declining.
We believe there are a number of reasons. We have experienced some record net incomes in agriculture for the last little while, so the perceived need for the program has certainly diminished. Producers are recognizing that the prices are solid. They're seeing good crops in the bin. They're just saying, “I'm not going to trigger a payment under this program. I'm not going to participate.”
On top of that, we diminished the triggers on the program. Again, they're saying things are good and there's a lower trigger, so they'll have to take a more substantial hit before they trigger the program. They're concluding that in this environment, it's not worth participating.
You also raised the burden side of things. We do see that. Our programs currently have about one-third of the producers out there, but about 60% of the value of production. It's those larger producers that are continuing to participate in the program. We believe that that burden on those producers is the reason the smaller producers aren't participating.