 You mentioned there just a moment ago about deposits, and I think for several ag banks, especially community banks, deposits are on their mind. Has that, in your mind, changed anything that community banks are doing as far as loan standards? You need to have some deposits to be able to loan money, although there's options for you to go out there and, in a sense, get money to be able to loan. But I'm just interested in your thoughts on what you're seeing on the deposit side to fund those loans.