That's a good way to put it. I think the main challenge arises when many factors come into play. For example, consecutive factors or problems of a similar nature may be associated with unexpected production variations. Some production variations may also be associated with unfavourable weather conditions combined with interest rate hikes.
From what I've seen over the years, I'd say that businesses in this industry are generally well equipped to weather a crisis or a one-off event. It's when numerous disruptive factors occur that things get complicated. In a way, I think that has complicated the business environment of all farms in the sector. That's definitely the case of horticulture production, given the significant production challenges in recent years.
The current approach is to come up with more long-term solutions. The benefit that a corporation like FCC offers is that we can work continuously with the agriculture and agri-food sector because it's the only sector we serve. You could say that ours is truly a lasting commitment, one that makes it possible to adopt a more long-term perspective.
As I mentioned in my remarks, there may be an increase in the number of loans that are granted on demanding conditions. However, we know we can adjust those loans over time so those businesses can return to profitability by making changes to their financial practices, or their production practices in particular.
I think you have to take a longer-term approach.