 I think there's some of that. It certainly impacted the housing market first. We've seen a huge impact on that side of things. The consumer mortgage business is ground to a halt almost. There's no refinance opportunities there, just like there's no refinance for many ag producers who've locked something in the last 12 months. I don't think it's impacted the land prices per se. Borrowers who are still well-heeled enough to buy the farm next door are still going to buy the farm next door.