I would agree with that. Farm credit has evolved. I can remember back in the day when I was starting out and borrowing from Farm Credit. The saying used to be that Farm Credit would give you a rowboat and one oar, so you were going in circles all the time.
They have evolved. I am extremely impressed with the types of programs they've put in place. Particularly, they're looking at the young farmer issue, but it is a combination of the banks, the credit unions, and Farm Credit. The banks in particular, as Alfons has said, have a tendency to follow the latest sweet spot. That creates some problems for farmers. I know I've changed banks I think five times since I started farming, mainly because of that. You're good for a while, and then, all of a sudden, orders would come up from down high that they didn't really look at agriculture as a favourable investment.
The other aspect of Farm Credit is that the depth of the organization is not just somebody looking at figures. They have agriculture people as part of Farm Credit today, which lends to their ability to analyze the investments that are being made and help provide advice for farmers going forward.