As far as natural disasters are concerned, like I said, it's very hard to buy insurance on anything for natural disasters. That's where I guess we all have to manage our risk. It's very important for us to have.
Risk management is different for me as a 30-year producer of grains and oilseeds than it is for the guy who has been in it for five years. Risk management is an entirely different business for me. I have some capital to manage that risk, but for the guy who's been out there for five years and is carrying a huge amount of mortgages and stuff, he has to be able to manage that stuff. That's where those bottom-line programs come in for him. They're very important to him.