I really like the idea that I've seen in other countries where you have the industry round table. Australia does this; Holland does this, and Denmark does it. It's a total industry round table that comes together and says, “These are the things we need to do to become more competitive internationally and therefore these are the things we need to invest in.”
To me, if you tie that model together with more money to invest with and say that if they're going to invest they can still use it for income insurance, I don't have a problem with that, but also tie it to investments in the kinds of things that the industry thinks it needs to go forward. I think that's a very progressive approach.
At the same time, I want to be really clear on what I said before, which was that people are using it as a pension fund. That's not everybody or any industry. The younger progressive farmers in my peer group are all investing heavily, and they're saying that it's probably the people who aren't trying to progress who are the ones who are using it as a pension plan.