Well, we wouldn't use it literally as collateral, because it's not a security instrument, so to speak, but we would certainly work with our customers on an individual basis to come up with a solution that will work for them.
We know that one weather event—for instance, this summer in southern Ontario—does not change the overall viability of that operation long term. If we need to make a loan to those people so that they can put in a new crop, through our crop input program, which is available to our customers, that's one thing we would do as a normal matter of course.
I also want to let you know about a couple of other things we've done, illustrating flexibility. One of our products that is utilized by farmers across Canada all the time is a thing called a “flexi” feature. What that permits a customer to do, at their choice, if they choose that feature, is to ask for a payment holiday, and we will grant it. We don't have to debate them over that. We build the feature right in. That customer does not have to come to us with hat in hand, asking us about this. It's a feature of the product. If they need to have a payment holiday for this fall, we would grant that payment holiday and they'll make their payment next year.
The other thing we've done, with weather events in particular, whether it be flooding in western Manitoba and eastern Saskatchewan, where crops could not get planted.... Multiple times in the last decade we have proactively sent out letters to our customers granting them a payment adjustment without their having to come in and ask for it. We proactively say that we know what they're facing and we're there to support them in difficult times.
When we look at southern Ontario, we haven't introduced at this point what we call our customer support program, but once we see the impact, if it's across a larger area where we need to take a general action.... We've done that many times in the past.