We have seen a couple of tools developed, GARS being one, that are available in certain provinces in Canada.
One of the challenges is that for any insurance product, every province is regulated separately, so they need to get regulatory approval to operate in every single province. Thus, even where there are some services available, it takes time to make that widely available. Similarly, they have designed a product that works for certain crop types and is not available to all forms of production, which is again one of the issues.
However, to your question, systemic risk is a big issue in agriculture. Usually when there's a situation, it's not one farm that's affected, but the entire region and that entire area. That tends to drive the cost up exorbitantly. Therefore, what we've seen in the past is farmers typically suggesting that the products just aren't cost-effective, and certainly it's tied to that systemic risk issue.