The sectors that are more capitalized or that are a bit more intensive in assets would probably be feeling a little more of the crunch, especially given that maybe asset values on that are high or wouldn't climb as much as in the past. The farms that carry a little more debt because of the stability of revenues would be, perhaps, dairy and poultry farms, which historically have had a more stable flow of revenues. They would perhaps see a little more challenge on the debt-to-asset part of it.
Again, when you look at it from a lending perspective, income is the primary driver of debt repayment, and we emphasize that quite often to our customers. It's not the asset values; income is the primary driver of debt repayment.