That's a great question.
One reality is that 95% of new entrants typically are connected to an established farm. A really nice number of new entrants are getting into agriculture; it's just as you'd want it to be. Whether those are intergenerational farms—many times three generations are in a farming operation—or multi-family, brothers, sisters, cousins working together, you draw on some of that from a credit history perspective. It's not uncommon for that established farming operation to offer some of their assets as security to allow the new entrant to get in. In many cases that's the way we would look at it.
The other side is that if you're starting very much from that greenfield operation and growing your way in, typically they would also hold an off-farm job, would have a good credit history, and would size up in a reasonable amount of time that would allow them that. You would draw on some of that as well, their off-farm, their credit experience, their behaviour, and all those things to allow you to make a good judgment that they'll be successful.