 But it is easier to have that conversation up front, be open and honest and say, here's where I think the year is going to be. We've been blessed the last few years. And a lot of ag producers have had the opportunity to heal their balance sheets along the way with the profits of the last few years. And so if you've done a good job in that, remind your credit provider of that. Remind the banker that you did have that experience in the past years.