In the farming sector though where is the high risk? Mortgages are normally lent on 100% of the land value if there is collateral added from other blocks of land, machines are all easily repossessed and overdrafts are generally no where near the asset value of the business. Your right in that nothing is totally risk free but they rarely go balls deep in risk in our sector.Everything they do has risk attached. They like seeing someone who has the ability to service and actually repay a loan.