We are over time.
There is something that might be worth considering in that area, Dan. When we went through that situation in a farm crisis years ago, we put farm debt review boards in place, which also helped with the mental pressure. That might be worth looking at for the small business community, because you're right that when your house is on the line, it's no fun.
We will now go to Mr. Julian for six minutes and then to Mr. Falk.