 Hello, this is Nate Franzine, President of Ag Banking at First Dakota National Bank. Here at First Dakota, we're one of the largest ag lenders in the country. We take great pride in serving farm and ranch clients across the Midwest. And my team of ag bankers and I really strive to be more than just a source of money, a source of expertise and a source of knowledge and a resource that folks can lean on. The reason for this recording today is to talk a bit about the drought that we are experiencing and the concerns of drought as we head into this spring and the ag operating cycle of 2022. What do you do with your ag lender when you're experiencing challenging times like a drought? Number one, I would say the biggest thing is to communicate with your lender frequently. Keep them abreast of the challenges you're experiencing. If you have a strong lending partner, they will have information for you. They'll have knowledge to share with you. They'll try and connect you with other resources, programs available. And I can promise you our team will certainly work hard to do that. The other thing I would say is just having a sounding board, someone you can talk to that understands and appreciates the need for confidentiality is a big resource your ag lender can be for you. Sometimes you just don't want to talk about financial hardship or financial challenges that you're experiencing with neighbors or friends. Your ag lender can certainly serve that role for you. I can't emphasize enough that your self-worth is not your net worth. So if you are experiencing some financial troubles, please don't make that too personal. Certainly our financial well-being is very important to us all and we don't take that lightly. But we also know there is life after a loss. There is life after financial hardship. There's life after cows if you are experiencing it in the worst of ways and need to reduce cow numbers or even completely liquidate. Hopefully that's few and far between. Hopefully you'll find options between that. But we are certainly here as ag bankers and ag lenders serving the industry to help you through those times. So again, I can't emphasize enough, just communicate. Don't shut down. Please keep the lines of communication open. And not just first to code ag bankers, but ag bankers serving this region. I know really do care. They want to be here and help you through it. And I know I can speak for our team to say we will do everything we can to work with you and to help you through those things. So best of luck. Hopefully mother nature helps improve the situation as we head into spring. But if not, again, please reach out to resources you have available to you. And your ag banker is certainly one of those. Thank you.