Thanks, Mr. Chair, and thanks to everyone for being here this morning.
We're here to talk about business risk management. Even this morning I've noticed a couple of people, when we talked about business management and business risk management, almost trip over the words sometimes. Farming is a business, and it's a big business. In terms of individually owned business, these are multi-million dollar operations—most farms. There have to be good business practices, whether you own a farm or a furniture store in town or a restaurant. That's the way you stay in business, and business risk management is one part of that.
Mr. Kilfoil, you mentioned the business risk self-assessment test or the notion that there should be something like that. I wonder if you could expand on that, but also expand beyond just the business risk self-assessment. Are there programs or things that are done to generally help farmers with business management, even beyond just managing risk, but more generally, and might that be another way to tackle the income crisis—actually just to raise the general business skills of farmers?