We're a big believer that there is a gap in financial fluency among producers in this country. Where we see producers taking an interest in understanding basic business risk management and basic business fundamentals, they become stronger producers and are more business sound, and they reduce their reliance on the programs because they address risk before the year starts. They'll sit down, like some of the other witnesses who testified, and look at ways to mitigate any risk that's coming at them, whether it's price or whether it's climate. They'll use programs that look at those risks, and that actually reduces reliance on these programs.
