Thank you.
First of all, CAIS is a margin-based program. We've had a long period of very low prices, especially in the grains and oilseeds sector, so it has reduced margins on the farm. Because the amount of money you can trigger in the claim year is based on your historical margins, farmers have had hardly any historical margins and haven't been able to trigger any money out of the program.
We've suggested—and there's been a lot of talk about this over the last few years, you will recall—there needs to be a separation of stabilization from disaster. So if you would look at putting a contributory program in the top tier of CAIS, it would at least make the top tier of CAIS more predictable and more bankable.
If you asked farmers whether they would rather have an assured $7 or a possible $10, they would all pick the assured $7. It would allow them to stabilize their incomes much better in the top tier. We already know, especially if you have a low reference margin, that many people fall in the first or the second tier of CAIS. So it would make the program much more predictable and bankable.