We have annual reviews with all of our farmers. One of the topics on the agenda is always farm succession. We try to introduce it at an early time, talking about thinking about the plans. I mentioned life insurance earlier as one of the tools that some farmers use in order to finance that. To introduce the ideas of planning for this, we hold seminars where we have speakers from the industry—accountants especially, and lawyers who are experts in that whole area—to come out and talk about it. As I said, one of the biggest challenges is always that the farmers themselves are reluctant to talk about their own succession, but we do raise the issue all the time. I know other lenders like Farm Credit, and the other banks as well, are all raising it because we all see it as a major issue. We're going to keep doing that.
On May 4th, 2017. See this statement in context.