I think there has to be some form of a baseline there. As I mentioned earlier, there are producers in B.C. who have had four loss years. For all intents and purposes, their reference margin is zero. If we're lending on a reference margin, what do we do? How do we adjust for that?
I think there has to be an opportunity.... As I mentioned, we have a gentleman who farms and sells a million dollars' worth of product. His reference margin is $2.76. When he brings it in and we're lending our reference margin for this gentleman, what do we do with that? He has always been a good producer. In years when the crop is off, when there are losses, it doesn't work. I think for things like catastrophes, for mother nature, there has to be a way around that, because when he came to us, we said we can't do anything. We've talked with the AgriStability folks, and they said they can't do anything because that's just the way the program is.