“Icing on the cake” may not be quite how I would term it. We would look at the farm operation, where they are in their life cycle, and how much leverage they have.
The more of a risk stage they are in, the more we would be looking for basic things like crop insurance and some types of business risk tools that are out there.
As they grow their business, become larger, and may be exposed to more international pressures, we might be looking more for what they're doing on currency risk management, foreign exchange risk, and some of those types of things. On both ends of the scale, we would look for it, and vary in terms of what we would focus on, depending on the producer in front of us.