No. I would agree that it depends on regions. In western Canada, there is no doubt that farm income, in the last seven to eight years especially, has increased significantly. It has to do with a few things. World prices have increased. In the last 10 to 15 years, with a lot of the technology we use, which we've talked about, our costs have gone up, but our revenue has actually gone up a bit further. That said, with our costs going up, we do have more increased risk because we have those extra inputs, but definitely the net margins have increased. Again, going back to agri-insurance, with our increase in revenue, our averages should be going up; therefore, we should have more bankable, higher base-level coverage.
Yes, we've definitely seen an increase in profitability, but also with that comes an increase in risk.