 Canada and British Columbia came together to offer producers a suite of business risk management programs under the growing forward-to-agreement. These programs help farmers protect themselves from risks due to severe market changes and disaster situations. The programs provide the security a producer needs to succeed in today's competitive environment. The Agristability Program is a cornerstone of that suite of programs. We highly recommend all producers enroll in the Agristability Program as it will help you manage your risk. Hello, I'm Roxanne Brush. And I'm Travis Mellum. We both work for the Agristability Program. So why should you be enrolled in the program? Here's why. Even if your current farm income is good, things can change. Prices can drop, input costs can rise, crops can fail. If you suddenly face an unpredictable setback, Agristability is there to support you. For example, British Columbia producers have dealt with unforeseen disasters like BSE, avian influenza, and rapid fluctuations in fruit and vegetable prices. In 2016, we are already seeing significant declines in cattle prices. Agristability will be there for those cattle producers enrolled in the program. The premiums that we pay for the Agstability, I believe, are monies well spent for the protection it gives us and the pay it gives us when we have a devastating event in our operations. BC's wine and grape industry has grown significantly. Grape prices have been steady and grape acreages have expanded in the last 10 years. But that growth could face challenges in the future. A glut in the market could cause a decline in the grape prices. If this should happen, Agristability would be there. For me, I think it is a perfect tool that is offered. And not taking it is a short-sighted view. I know money is always tight in farming communities. But when you look at the long-time picture, it is one of these investment tools that will help you not only over bumps in the road, but just to plan your future better. To avoid setbacks, producers need to implement proactive strategies and enroll in risk management programs like Agristability. Participating in the program could protect you from the consequences caused by a severe loss of income. Today, financial institutions like to see producers enroll in business risk management programs like Agristability to mitigate their financial risk. It is not mandatory for them to have it. However, it is an important mitigating tool when approving loans because it ensures that measures are in place when producers need to use them and react to them without having to impact the overall business. It has been said, farming is more than a business. It is a means to a healthy and enjoyable way of life. Although Agristability is a volunteer program for producers, we urge you to participate. Agristability helps protect your business and your way of life.