I think that the hon. Gentleman misinterpreted what I said. There are few farmers who do not have some form of City funds, as the hon. Gentleman calls them, involved in their operations. They are called farm overdrafts. What is better: to have a long-term City institution owning the land on which they have a low return or for the tenant farmer to have an overdraft in the knowledge that short-term interest rates can fluctuate violently? Within the past three years, interest rates have increased to over 15 per cent., and that is base rate. What is better: to have a long-term stable arrangement or a short-term unstable arrangement?