Stuart, that may be true, but I have not talked to a lender in the ag industry in the last six months that believes that to be true. THEY ARE A NERVOUS BUNCH. Things are gonna change drastically for ag borrowers when rates start to increase. Mark my words, all this easy borrowed money, like seed, chemicals, machinery, ect., will come to a screeching halt. What's gonna happen when everyone that has been using this has to go to a bank and start borrowing twice as much for inputs?