Yes. It's the complexity of it. It could be a dealer model or a packer model. It could be coming from the retailer. Backing up from the retailer, if the retailer buys it from a dealer, that dealer then is paying back their growers. There could be three and sometimes even four steps, depending on whether it's major retail or independent retail or the location in the country. The complexity and flow of product is not a straight line. It's more like a web.
I think the bigger piece that comes into play here is your comment on how we'll actually address and solve what we heard at the beginning from the government and where we go forward. I think a big part, and Mr. Wiseman brings up a very good point, is that there is an education process. The challenge we have, though, is time. If we lag on delivery of the bill, we will not be able to experience access to a reciprocal nature of PACA going back into the U.S. That's detrimental to many exporters.
In an ideal world, in any bill moving forward, there is a one- to two-year window before anything happens. We have a runway to work with and an appropriate timeline to work with the banks to ensure that they understand what it is and what it isn't and to be able to position and move it forward in order to protect the industry and the entire supply chain.