That's based on an individual crop. You may have a suite of different crops that you seed, such as oilseeds, pulses and cereal grains. Those are all insured separately under the one program. The problem with that is that the premiums have increased over the years. The coverage has gone up also, but not in line with the actual cost of production. We're getting our fixed costs kind of covered, but when you put the fixed and variable costs together, the payouts generally aren't enough to really sustain that operation to make it profitable. It's sort of like long-term pain for short-term gain.
I think a gentleman over here talked a little bit about some of the programs and maybe self-insurance on things. There are some programs out there. There's Global Ag Risk Solutions, and some of those things. They work very well, but to get that funding in your pocket soon, it's based on an accrual system in your accounting. It takes 16 to 18 months until that finalized return is evaluated and you get any funding.
Some of those things have their problems too.