I can just expand on that. Frank is speaking to the specificity of his credit union. In terms of the credit union sector as a whole, I would say the proportion of farm loans is going down, and that's for a variety of reasons.
Our main strength right now, where we're really growing our book of business, is in small and medium-sized enterprise lending. We're up around 11%, and we continue to grow. A lot of that may reflect the decline in the proportion of loans; it may be the larger farm size, which makes it difficult for some of the smaller credit unions to stay engaged; or it may be changing demographics. That said, we still have a core group of credit unions that are dedicated to agriculture, and they will be there for a long time.