The other thing I'm going to ask is on something that was brought up when we were in the Magdalen Islands, when an individual who appeared before the committee saw the relationship between agriculture and fishing and was actually calling for an amalgamation of agriculture and fisheries into a common department so they could have access to some of the financial programs that are available to farmers. We usually call these income stability programs.
I'll give you an example. There's a program where a farmer, during a good year, can take excess money and, rather than pay taxes on it or reinvest it in equipment if they don't need to, can put it into a tax-deferred type of account. Then during a year when they might have a bad crop or bad conditions related to the weather, when it's no fault of their own, they can draw down on that account. If they don't draw down on that account, they can pay the taxes in that particular year to help them meet their bills.
The problem is that you have to make enough money in the good years to be able to put a little bit of it away. But at the end of their career, that farmer can then use that account as a retirement account and draw the money out after they sell their farm, use it as retirement.
Has there been any thought given to accessing some type of income stabilization? When you have those good years, you're encouraged by your accountant to buy a new boat or a pick-up truck, or whatever you need, to avoid paying taxes, but when the tough years come along you're stuck with the payment on the truck that your accountant told you to get, and you don't have access to any funding to help get through the leaner times.
Do you guys have any ideas for our committee about some programs the government could put in place that don't really cost the taxpayer anything but would allow you to use more of your own resources and your own profit to keep your businesses afloat?