I totally agree. We've been studying this for many years. I started in the produce industry with the association in 1998. I was involved when we launched the Dispute Resolution Corporation. We weren't able to put the bankruptcy protection in place at that point in time under Minister Vanclief and the Liberal government. We've been pushing very hard for many years as an entire supply chain. That includes retail and wholesale and/or packer-shippers.
There's a diversity of businesses across our industry. That's our biggest challenge at CPMA in working with an entire supply chain. Every business operates differently. Every lending model is slightly different. Relationships with banks are different. What we've been told through our survey work is that the lending relationship is first and foremost. The stability of the company on how they borrow and the experience for those who also, similar to EarthFresh who have operations in the U.S., is they have had the challenge of priority payable struck from the borrowing arrangement because the banks recognized that the PACA-like trust is a stability tool that enables the flow of dollars through the system to reduce the potential bankruptcy.
We also have to remember—