Thank you for the question.
I think probably it's worth clarifying that the advance payment program was changed relatively significantly not that long ago, through legislation that changed the terms and conditions under which emergency advances could be obtained by livestock and other producers.
The provision your constituent is referring to is probably that the inventory of the herd is now able to be put up as security, which is consistent with what happens in other commodity groups. But we do require producers to be in one of the business risk management programs--not as security; that program would still be there for the bank to take as security, but as a means of repayment should default occur.
That's the rationale for that provision. It provides the producer an opportunity to use that advance or to use that future payment as credit security, but it still has to be a provision so that we can collect in the case of default.