Okay, that's helpful.
The last question I want to ask is about access to credit. We talked about exhausting the credit limits. Mr. Calkins mentioned before the idea of getting some of the financial institutions in at some point in time to talk a little bit about this.
How are the banks reacting? I don't have much fishing in my riding, but I have a lot of forestry and agriculture. I know how the banks are reacting to them. If they'll even give them credit, it's at around three and four points above prime, and they've increased the risk profile. It's a real challenge. What are the types of things you're seeing in the reaction of the banks?
The second part of it is, what types of things, from a financing perspective, would be helpful for us to be thinking about on the credit side?