I do not think the minister has got my point. I say I realize that, under the Farm Improvement Loans Act, if the loan is greater than $2,000 and the term of repayment is five years or more, the bank may take that kind of security. The cases to which I am referring, however, are cases where the term of repayment is a good deal less than five years. As I understand it, the banks are not allowed to take that kind of security under the act, and instead of asking for a mortgage on the farm they are asking the farmer to bring his title to his land and deposit it with the bank during the term of the loan. From the farmer's point of view it is just a mortgage because he has not the title any more. He cannot sell his farm until he gets the title back. He cannot take a mortgage on the farm until he has the title. In the meantime the bank has his title.