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    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/RMALocal/Oregon" target="" title="Oregon Main Menu Link">
        <span class="visible-lg-block">Oregon</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Ore.</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/RMALocal/Pennsylvania" target="" title="Pennsylvania Main Menu Link">
        <span class="visible-lg-block">Pennsylvania</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Pa.</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/RMALocal/Puerto-Rico" target="" title="Puerto Rico Main Menu Link">
        <span class="visible-lg-block">Puerto Rico</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">P.R.</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/RMALocal/Rhode-Island" target="" title="Rhode Island Main Menu Link">
        <span class="visible-lg-block">Rhode Island</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">R.I.</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/RMALocal/South-Carolina" target="" title="South Carolina Main Menu Link">
        <span class="visible-lg-block">South Carolina</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">S.C.</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/RMALocal/South-Dakota" target="" title="South Dakota Main Menu Link">
        <span class="visible-lg-block">South Dakota</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">S.D.</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/RMALocal/Tennessee" target="" title="Tennessee Main Menu Link">
        <span class="visible-lg-block">Tennessee</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Tenn.</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/RMALocal/Texas" target="" title="Texas Main Menu Link">
        <span class="visible-lg-block">Texas</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Tex.</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/RMALocal/Utah" target="" title="Utah Main Menu Link">
        <span class="visible-lg-block">Utah</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Utah</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/RMALocal/Vermont" target="" title="Vermont Main Menu Link">
        <span class="visible-lg-block">Vermont</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Vt.</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/RMALocal/Virginia" target="" title="Virginia Main Menu Link">
        <span class="visible-lg-block">Virginia</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Va.</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/RMALocal/Washington" target="" title="Washington Main Menu Link">
        <span class="visible-lg-block">Washington</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Wash.</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/RMALocal/West-Virginia" target="" title="West Virginia Main Menu Link">
        <span class="visible-lg-block">West Virginia</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">W.Va.</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/RMALocal/Wisconsin" target="" title="Wisconsin Main Menu Link">
        <span class="visible-lg-block">Wisconsin</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Wis.</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/RMALocal/Wyoming" target="" title="Wyoming Main Menu Link">
        <span class="visible-lg-block">Wyoming</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Wyo.</span>
    </a>

                                                        </li>
                                                </ul>
                                            </div>
                                        </li>
                            </ul>
                        </li>
                        <!-- Had to put class names in strings so that IE would recognize all of them /smh -->
<li class="mainnav-dropdown dropdown ">
                            <a href="/Commodity" class="dropdown-toggle" data-toggle="dropdown" role="button" aria-haspopup="true" aria-expanded="false">Commodities <span class="caret"></span></a>
                            <ul class="mainnav-dropdownlist dropdown-menu " role="menu">
                                <!-- megamenu-fw-->
                                <!-- wrapperClass-->
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Commodity" target="" title="Lookup Commodity Main Menu Link">
        <span>Lookup Commodity</span>
    </a>

                                        </li>
                            </ul>
                        </li>
                        <!-- Had to put class names in strings so that IE would recognize all of them /smh -->
<li class="mainnav-dropdown dropdown megamenu-fw">
                            <a href="/" class="dropdown-toggle" data-toggle="dropdown" role="button" aria-haspopup="true" aria-expanded="false">Tools <span class="caret"></span></a>
                            <ul class="mainnav-dropdownlist dropdown-menu megamenu-content" role="menu">
                                <!-- megamenu-fw-->
                                <!-- wrapperClass-->
                                        <li class="">
                                            <div class="">
                                                <ul class="innerDropDown popular-tools  ">
                                                    <!-- insert if table layout-->
                                                        <li class="center-block">
                                                            
    <a href="/Information-Tools/Summary-of-Business" target="" title="Summary of Business Main Menu Link">
        <div class="imageSet">
            <img class="center-block  " src="/-/media/RMA/Images/Icons/icon-sob.ashx" alt="Menu Icon" />
        </div>
        <div>
            <span class="visible-lg-block">Summary of Business</span>
            <span class="visible-sm-block visible-md-block visible-xs-block">SOB</span>
        </div>
    </a>

                                                        </li>
                                                        <li class="center-block">
                                                            
    <a href="/Information-Tools/Agent-Locator" target="" title="Agent Locator Main Menu Link">
        <div class="imageSet">
            <img class="center-block  " src="/-/media/RMA/Images/Icons/icon-al.ashx" alt="Menu Icon" />
        </div>
        <div>
            <span class="visible-lg-block">Agent Locator</span>
            <span class="visible-sm-block visible-md-block visible-xs-block">Agent Locator</span>
        </div>
    </a>

                                                        </li>
                                                        <li class="center-block">
                                                            
    <a href="https://webapp.rma.usda.gov/apps/actuarialinformationbrowser/" target="" title="Actuarial Info Browser Main Menu Link">
        <div class="imageSet">
            <img class="center-block  " src="/-/media/RMA/Images/Icons/icon-aib.ashx" alt="Menu Icon" />
        </div>
        <div>
            <span class="visible-lg-block">Actuarial Info Browser</span>
            <span class="visible-sm-block visible-md-block visible-xs-block">AIB</span>
        </div>
    </a>

                                                        </li>
                                                        <li class="center-block">
                                                            
    <a href="https://public-rma.fpac.usda.gov/apps/MapViewer/index.html" target="_blank" title="RMA Map Viewer Main Menu Link">
        <div class="imageSet">
            <img class="center-block  " src="/-/media/RMA/Images/Icons/icon-cidt.ashx" alt="Menu Icon" />
        </div>
        <div>
            <span class="visible-lg-block">RMA Map Viewer</span>
            <span class="visible-sm-block visible-md-block visible-xs-block">RMA Map Viewer</span>
        </div>
    </a>

                                                        </li>
                                                        <li class="center-block">
                                                            
    <a href="https://ewebapp.rma.usda.gov/apps/costestimator/" target="_blank" title="Cost Estimator Main Menu Link">
        <div class="imageSet">
            <img class="center-block  " src="/-/media/RMA/Images/Icons/icon-ce.ashx" alt="Menu Icon" />
        </div>
        <div>
            <span class="visible-lg-block">Cost Estimator</span>
            <span class="visible-sm-block visible-md-block visible-xs-block">Cost Est</span>
        </div>
    </a>

                                                        </li>
                                                </ul>
                                            </div>
                                        </li>
                                        <li class="">
                                            <div class="">
                                                <ul class="innerDropDown multi-column-dropdown listncol tools ">
                                                    <!-- insert if table layout-->
                                                        <li class="">
                                                            
    <a href="https://webapp.rma.usda.gov/apps/actuarialinformationbrowser/" target="_blank" title="Actuarial Information Browser Main Menu Link">
        <span class="visible-lg-block">Actuarial Information Browser</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">AIB</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/Information-Tools/Agent-Locator" target="" title="Agent Locator Main Menu Link">
        <span>Agent Locator</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="https://public-rma.fpac.usda.gov/AipListing" target="" title="AIP Companies Main Menu Link">
        <span>AIP Companies</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/Information-Tools/Associated-Agencies-and-Partners" target="" title="Associated Agencies and Partners Main Menu Link">
        <span>Associated Agencies and Partners</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/Information-Tools/Summary-of-Business/Cause-of-Loss" target="" title="Cause of Loss Main Menu Link">
        <span class="visible-lg-block">Cause of Loss</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Cause of Loss</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="https://ewebapp.rma.usda.gov/apps/costestimator/" target="_blank" title="Cost Estimator Main Menu Link">
        <span>Cost Estimator</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="https://public-rma.fpac.usda.gov/apps/MapViewer/index.html" target="" title="County Programs Main Menu Link">
        <span class="visible-lg-block">County Programs</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">County Programs</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/Information-Tools/Crop-Indemnity-Maps" target="" title="Crop Indemnity Maps Main Menu Link">
        <span>Crop Indemnity Maps</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/Information-Tools/Crop-Weather" target="" title="Crop Weather Main Menu Link">
        <span class="visible-lg-block">Crop Weather</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Crop Weather</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="https://pubfs-rma.fpac.usda.gov/" target="_blank" title="FTP File Access Main Menu Link">
        <span class="visible-lg-block">FTP File Access</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">FTP</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/Information-Tools/Summary-of-Business/Livestock-and-Dairy-Participation" target="" title="Livestock and Dairy Participation Main Menu Link">
        <span class="visible-lg-block">Livestock and Dairy Participation</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Livestock and Dairy Participation</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/Information-Tools/Livestock-Reports" target="" title="Livestock Reports (LRP and LGM) Main Menu Link">
        <span class="visible-lg-block">Livestock Reports (LRP and LGM)</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Livestock Reports</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/Information-Tools/Nursery-Inventory-Software-EPLPPS" target="" title="Nursery Software (EPLPPS) Main Menu Link">
        <span class="visible-lg-block">Nursery Software (EPLPPS)</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Nursery Software</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/Information-Tools/Other-Sites" target="" title="Other Sites Main Menu Link">
        <span class="visible-lg-block">Other Sites</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Other Sites</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="https://prodwebnlb.rma.usda.gov/apps/prf " target="_blank" title="PRF Rainfall Main Menu Link">
        <span>PRF Rainfall</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="http://prodwebnlb.rma.usda.gov/apps/PriceDiscovery" target="_blank" title="Price Discovery Reporting Main Menu Link">
        <span>Price Discovery Reporting</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/Information-Tools/Reinsurance-Reports" target="" title="Reinsurance Reports Main Menu Link">
        <span class="visible-lg-block">Reinsurance Reports</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Reinsurance</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="https://webapp.rma.usda.gov/apps/RIRS/" target="_blank" title="RMA Information Reporting System Main Menu Link">
        <span class="visible-lg-block">RMA Information Reporting System</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">RIRS</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="https://public-rma.fpac.usda.gov/apps/MapViewer/index.html" target="_blank" title="RMA Map Viewer Main Menu Link">
        <span class="visible-lg-block">RMA Map Viewer</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Map Viewer</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/Information-Tools/Summary-of-Business" target="" title="Summary of Business Reports Main Menu Link">
        <span class="visible-lg-block">Summary of Business Reports</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">SOB</span>
    </a>

                                                        </li>
                                                </ul>
                                            </div>
                                        </li>
                            </ul>
                        </li>
                        <!-- Had to put class names in strings so that IE would recognize all of them /smh -->
<li class="mainnav-dropdown dropdown ">
                            <a href="/Topics" class="dropdown-toggle" data-toggle="dropdown" role="button" aria-haspopup="true" aria-expanded="false">Topics <span class="caret"></span></a>
                            <ul class="mainnav-dropdownlist dropdown-menu " role="menu">
                                <!-- megamenu-fw-->
                                <!-- wrapperClass-->
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Beginning-or-Veteran-Farmers-and-Ranchers" target="" title="Beginning or Veteran Farmers and Ranchers Main Menu Link">
        <span class="visible-lg-block">Beginning or Veteran Farmers and Ranchers</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Beginning or Veteran Farmers and Ranchers</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Civil-Rights" target="" title="Civil Rights Main Menu Link">
        <span class="visible-lg-block">Civil Rights</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Civil Rights</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Compliance-Information" target="" title="Compliance Information Main Menu Link">
        <span class="visible-lg-block">Compliance Information</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Compliance Information</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Conservation" target="" title="Conservation Main Menu Link">
        <span class="visible-lg-block">Conservation</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Conservation</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Controlled-Environment" target="" title="Controlled Environment Main Menu Link">
        <span class="visible-lg-block">Controlled Environment</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Controlled Environment</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Cover-Crops" target="" title="Cover Crops Main Menu Link">
        <span class="visible-lg-block">Cover Crops</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Cover Crops</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Double-Cropping-Initiative" target="" title="Double Cropping Initiative Main Menu Link">
        <span class="visible-lg-block">Double Cropping Initiative</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Double Cropping Initiative</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Farm-Bill" target="" title="Farm Bill Main Menu Link">
        <span class="visible-lg-block">Farm Bill</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Farm Bill</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Frequently-Asked-Questions" target="" title="Frequently Asked Questions Main Menu Link">
        <span class="visible-lg-block">Frequently Asked Questions</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Frequently Asked Questions</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Hemp" target="" title="Hemp Main Menu Link">
        <span class="visible-lg-block">Hemp</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Hemp</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Hurricane-Insurance-Protection-Wind-Index" target="" title="Hurricane Insurance Protection - Wind Index Main Menu Link">
        <span class="visible-lg-block">Hurricane Insurance Protection - Wind Index</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Hurricane Insurance Protection - Wind Index</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Insurance-Cycle" target="" title="Insurance Cycle Main Menu Link">
        <span class="visible-lg-block">Insurance Cycle</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Insurance Cycle</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Insurance-Resources" target="" title="Insurance Resources Main Menu Link">
        <span class="visible-lg-block">Insurance Resources</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Insurance Resources</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Lamb-Data-Gathering-Listening-Sessions" target="" title="Lamb Data Gathering Listening Sessions Main Menu Link">
        <span class="visible-lg-block">Lamb Data Gathering Listening Sessions</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Lamb Data Gathering Listening Sessions</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Livestock-Insurance-Plans" target="" title="Livestock Insurance Plans Main Menu Link">
        <span class="visible-lg-block">Livestock Insurance Plans</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Livestock Insurance Plans</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Livestock-Roadshow" target="" title="Livestock Roadshow Main Menu Link">
        <span class="visible-lg-block">Livestock Roadshow</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Livestock Roadshow</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Manage-Your-Farm-Risk" target="" title="Manage Your Farm Risk Main Menu Link">
        <span class="visible-lg-block">Manage Your Farm Risk</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Manage Your Farm Risk</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/National-Fact-Sheets" target="" title="National Fact Sheets Main Menu Link">
        <span class="visible-lg-block">National Fact Sheets</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">National Fact Sheets</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Nursery" target="" title="Nursery Main Menu Link">
        <span class="visible-lg-block">Nursery</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Nursery</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Organic-Crops" target="" title="Organic Crops Main Menu Link">
        <span class="visible-lg-block">Organic Crops</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Organic Crops</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Outreach-and-Education" target="" title="Outreach and Education Main Menu Link">
        <span class="visible-lg-block">Outreach and Education</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Outreach and Education</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Prevented-Planting" target="" title="Prevented Planting Main Menu Link">
        <span class="visible-lg-block">Prevented Planting</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Prevented Planting</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Producer-Obligations-and-Expectations" target="" title="Producer Obligations and Expectations Main Menu Link">
        <span class="visible-lg-block">Producer Obligations and Expectations</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Producer Obligations and Expectations</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Publications" target="" title="Publications Main Menu Link">
        <span class="visible-lg-block">Publications</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Publications</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Reinsurance-Agreements" target="" title="Reinsurance Agreements Main Menu Link">
        <span class="visible-lg-block">Reinsurance Agreements</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Reinsurance Agreements</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/RMA-2023-Accomplishments" target="" title="RMA 2023 Accomplishments Main Menu Link">
        <span class="visible-lg-block">RMA 2023 Accomplishments</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">RMA 2023 Accomplishments</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Shellfish" target="" title="Shellfish Main Menu Link">
        <span class="visible-lg-block">Shellfish</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Shellfish</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
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            <h1>

                Pasture, Rangeland, Forage
                    <br /><small>UPDATED October 14, 2022</small>
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                    <p>The Rainfall Index (RI) Pasture, Rangeland, Forage (PRF) insurance program is designed to provide coverage on your pasture, rangeland, or forage acres. The program is designed to give you the ability to help cover replacement feed costs when a loss of forage for grazing or harvested for hay is experienced due to lack of precipitation.</p>
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        <a class="btn btn-default btn-expand-collapse hidden-print" role="button">Expand All</a>
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                <li>
                        <h4 data-target="#answer-89052ceb356d4246accec2a5736c9da7" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">What is the Pasture, Rangeland, and Forage Insurance Policy?</span>
                        </h4>
                        <div id="answer-89052ceb356d4246accec2a5736c9da7" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer">The PRF policy is an area-based insurance plan that covers perennial pasture, rangeland, or forage used to feed livestock. It provides producers a risk management tool to cover the precipitation needed to produce forage for their operation.</div>
                        </div>
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                <li>
                        <h4 data-target="#answer-59045de92d784691953dff75f5e79bd4" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">What does “area-based” mean?</span>
                        </h4>
                        <div id="answer-59045de92d784691953dff75f5e79bd4" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer">Area-based means payments are not based on an individual producer's experience; rather, payments are based on a grid’s deviation from normal experience. For example, under the Rainfall Index, if your ranch received a surplus of rain, but the area in your grid was below average, you could receive a payment or vice versa.</div>
                        </div>
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                <li>
                        <h4 data-target="#answer-6d7deaa9f25540b6993ea8981e1bceb3" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">Will RI-PRF be available in my area?</span>
                        </h4>
                        <div id="answer-6d7deaa9f25540b6993ea8981e1bceb3" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer">RI-PRF is being offered in all 48 contiguous states. The expansion for the 2017 crop year covered over 650 million haying and grazing acres. All counties within those 48 states were offered RI-PRF. A few producers did not have coverage because the majority of their grid crossed over either the northern or southern United States borders.</div>
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                <li>
                        <h4 data-target="#answer-ae1bb4c026dc4cbd934e209ed185158d" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">Who is NOAA CPC?</span>
                        </h4>
                        <div id="answer-ae1bb4c026dc4cbd934e209ed185158d" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer">NOAA CPC is the National Oceanic and Atmospheric Administration Climate Prediction Center, which is the data set used in the PRF Program.</div>
                        </div>
                </li>
                <li>
                        <h4 data-target="#answer-b8778a8bfe7e45988fc4ff6d47d660e0" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">How does the Rainfall Index work?</span>
                        </h4>
                        <div id="answer-b8778a8bfe7e45988fc4ff6d47d660e0" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer">Producers must choose at least two, 2-month periods when precipitation is important for forage growth for their operation. These periods are called index intervals. RMA uses NOAA CPC data to calculate normal precipitation and deviations from normal precipitation. RMA uses NOAA precipitation data based on the Optimal Interpolation methodology. Interpolation is based on the idea that things closer together in space are generally more similar than those farther apart and it estimates precipitation for a grid using reporting stations within a search radius around the grid. More information about the technology and how NOAA CPC interpolates weather data to a specific grid can be found on RMA’s PRF web page. Select “Rainfall Index, Pasture, Rangeland, Forage Technology”. It is important to understand that precipitation is interpolated to the grid, not measured within the grid.</div>
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                <li>
                        <h4 data-target="#answer-a8904d30127b4a8ca0a8b9e13fd1dd0d" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">How is precipitation measured under the Rainfall Index?</span>
                        </h4>
                        <div id="answer-a8904d30127b4a8ca0a8b9e13fd1dd0d" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer">The Rainfall Index uses NOAA CPC Daily Precipitation Data that interpolates precipitation to the grid. RMA compares the compiled data for each 2-month interval with the historical precipitation data for the same period that is normally expected in the grid. Additional information on NOAA CPC’s interpolation and quality control process can be found in <a href="https://gcc02.safelinks.protection.outlook.com/?url=https%3A%2F%2Fftp.cpc.ncep.noaa.gov%2Fprecip%2FCPC_UNI_PRCP%2FGAUGE_CONUS%2FUPDATED%2FDOCU%2FCPC_Gauge_Ananalysis_Procedure_final_20210316.pdf&data=04%7C01%7C%7Cc1b6baeb291e4f40d27d08d8eaeb59ea%7Ced5b36e701ee4ebc867ee03cfa0d4697%7C0%7C0%7C637517643875371600%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C1000&sdata=%2FKgrO4%2F9yblpF6hlVtGbxPSqWtRHjI6IJ5N02GCLXCI%3D&reserved=0" target="_blank" title="PDF opens in new window">NOAA CPC’s Conceptual Description Paper</a>.</div>
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                <li>
                        <h4 data-target="#answer-03e4082a51a94556bc2ee59712c5c4f2" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">How is the precipitation determined for each day of the interval?</span>
                        </h4>
                        <div id="answer-03e4082a51a94556bc2ee59712c5c4f2" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer">The precipitation is measured each day based on a 24-hour period determined by the data set utilized by the Rainfall Index programs. Currently, the NOAA CPC data set utilized in the Rainfall Index programs measures precipitation for a 24-hour period based on Coordinated Universal Time (UTC).</div>
                        </div>
                </li>
                <li>
                        <h4 data-target="#answer-4be204421ace4c9992313a9041b8d321" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">What is Coordinated Universal Time (UTC)?</span>
                        </h4>
                        <div id="answer-4be204421ace4c9992313a9041b8d321" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer">NOAA states the following on their website, <a href="https://www.nhc.noaa.gov/aboututc.shtml" target="_blank" title="Link opens in new window">www.nhc.noaa.gov/aboututc.shtml</a>, regarding Coordinated Universal Time (UTC):<br>
<br>
Weather observations around the world (including surface, radar, and other observations) are always taken with respect to a standard time. By convention, the world's weather communities use a twenty four hour clock, similar to "military" time based on the 0° longitude meridian, also known as the Greenwich meridian.<br>
<br>
Prior to 1972, this time was called Greenwich Mean Time (GMT) but is now referred to as Coordinated Universal Time or Universal Time Coordinated (UTC). It is a coordinated time scale, maintained by the Bureau International des Poids et Mesures (BIPM). It is also known as "Z time" or "Zulu Time".<br></div>
                        </div>
                </li>
                <li>
                        <h4 data-target="#answer-2407c87970b0474b9ea8cb15a3cc0981" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">What is a grid? Why is it important?</span>
                        </h4>
                        <div id="answer-2407c87970b0474b9ea8cb15a3cc0981" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer">A grid is the physical area under which your operation is insured. You are paid based on the losses interpolated to the grid for the Rainfall Index, which is why it is important that you choose the right grid(s) in which your operation is located. If you have any questions about your grid(s) identification number, or for more information on how grids are measured please contact your crop insurance agent.</div>
                        </div>
                </li>
                <li>
                        <h4 data-target="#answer-54045722dee54b3caeabb80e8bb9af1a" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">Does it matter which index intervals I choose to insure?</span>
                        </h4>
                        <div id="answer-54045722dee54b3caeabb80e8bb9af1a" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><p>Yes, which index intervals you insure and how much you insure for each interval is important. It is important to review the historical indices tools for your grid along with past production records to determine if these programs work for your operation and to assess which index intervals correlate well to your production. For example, a producer has an operation in Virginia and has cool season grasses. July and August are normally extremely dry months when the vegetation normally becomes dormant (turns brown). Since July and August are normally dry, this may not be a good period to insure. This Virginia producer may be better served by insuring months earlier in the spring that are important for cool season forage growth and months in the fall that would establish his cool season grasses for fall grazing.</p>
<p>RMA strongly encourages you to use our <a href="https://prodwebnlb.rma.usda.gov/apps/prf" target="_blank" title="Open New Window">decision support tools</a> to help you make the right decision for your insurance needs. Selecting index intervals is a critical component of these policies and the result of your selections will directly correspond to your satisfaction with the product. </p></div>
                        </div>
                </li>
                <li>
                        <h4 data-target="#answer-955a1c6397a54aa1808466d9c2d8f72f" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">How are losses triggered?</span>
                        </h4>
                        <div id="answer-955a1c6397a54aa1808466d9c2d8f72f" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer">When the interpolated precipitation falls below average for the index interval, it triggers a loss payment to all producers who have signed up for the program in the grid that are covered under this interval. Producers do not need to submit a loss claim or notify their agents. RMA calculates any loss and your insurance company processes any indemnity due. Losses are calculated based on whether the current year’s precipitation in a grid has deviated from normal compared to the historical normal precipitation in the same grid, for the same period. Losses are not based on a single ranch or a specific weather station in a general area.</div>
                        </div>
                </li>
                <li>
                        <h4 data-target="#answer-bf53064cc5ea437b8f09c6287ba7f39a" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">What are these support tools?</span>
                        </h4>
                        <div id="answer-bf53064cc5ea437b8f09c6287ba7f39a" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer">These tools are the <a href="https://prodwebnlb.rma.usda.gov/apps/prf" target="_blank" title="Open New Window">Grid ID Locator, decision support tool, and historical indices tool</a> and are available on RMA’s website for producers to use to view past results with their production records. This comparison assists in index interval selection and determining how well these products correlate to your historical productions records.</div>
                        </div>
                </li>
                <li>
                        <h4 data-target="#answer-a6049649fdfe4fc7ade7540f82609592" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">Where do I find out more information on the technology, shares, or how to use the tools?</span>
                        </h4>
                        <div id="answer-a6049649fdfe4fc7ade7540f82609592" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer">RMA’s Pasture, Rangeland, Forage provides several PowerPoints that provide information on the program including a general overview, the technology used for the Rainfall Index, and step-by-step directions on how to use the tools. There is also a PowerPoint outlining who has a “share” in the forage. For grazing, RMA recognizes the livestock producer as having the insurable interest or “share” in the crop. The livestock producer suffers the loss – replacement feed. For haying, RMA recognizes the financial interest in the hay crop similar to other crops. The RI-PRF program does not measure actual production and was designed for livestock producers who do not keep detailed hay records. For commercial grass growers, who maintain detailed forage records and are not interested in RI-PRF, RMA offers an Actual Production History Forage Production policy that may be better suited for them.</div>
                        </div>
                </li>
                <li>
                        <h4 data-target="#answer-e45e836c85c048608d7717e630546c39" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">How do I find a crop insurance agent?</span>
                        </h4>
                        <div id="answer-e45e836c85c048608d7717e630546c39" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer">A list of insurance agents is available at all USDA service centers or RMA's Agent Locator.</div>
                        </div>
                </li>
                <li>
                        <h4 data-target="#answer-b18b5d0fa59547a8b67ccabb03572945" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">Do I need to purchase insurance coverage to participate in USDA programs even though I am a rancher and do not wish to do so?</span>
                        </h4>
                        <div id="answer-b18b5d0fa59547a8b67ccabb03572945" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer">No, currently participation in the Federal crop insurance program is not a requirement of any current USDA program.</div>
                        </div>
                </li>
                <li>
                        <h4 data-target="#answer-b7641135c8e742c5b2eb0163974ad386" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">Are there other livestock plans available if PRF isn’t right for me?</span>
                        </h4>
                        <div id="answer-b7641135c8e742c5b2eb0163974ad386" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer">Yes, RMA offers seven livestock plans and an annual forage insurance plan. Talk to a crop insurance agent to help you decide the option that is right for your operation.</div>
                        </div>
                </li>
                <li>
                        <h4 data-target="#answer-3e32b452448b4d7cad62f4f472f2a5a7" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">Is this drought insurance?</span>
                        </h4>
                        <div id="answer-3e32b452448b4d7cad62f4f472f2a5a7" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer">No. The RI-PRF is not “drought insurance” and does not insure against abnormally “high temperatures” or “windy conditions.” While a drought may cause a decline in the index value to the point that an indemnity payment is issued to eligible insured producers, a drought being declared in a state, county or area does not, by itself, trigger an indemnity payment under the RI-PRF.</div>
                        </div>
                </li>
                <li>
                        <h4 data-target="#answer-37dd54930b9841f28ea4907e04d69eb9" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">Why doesn’t RMA use the drought monitor instead of NOAA data?</span>
                        </h4>
                        <div id="answer-37dd54930b9841f28ea4907e04d69eb9" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer">RMA does not utilize the drought monitor because the drought monitor utilizes multiple measurements to determine if an area is in a drought and the severity of the drought an area is experiencing. The PRF program is a single peril program, the lack of precipitation is the only insurable cause of loss covered under this program.</div>
                        </div>
                </li>
                <li>
                        <h4 data-target="#answer-dc713d72c85f40a79a8b8233945bca68" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">For the intended use of grazing, do you need records that show you own or have an insurable interest in the livestock grazing the insured acres?</span>
                        </h4>
                        <div id="answer-dc713d72c85f40a79a8b8233945bca68" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><p style="margin: 0px;">Yes, the intent of the PRF policy is that you own or have an insurable interest in the livestock. In addition, the person with the insurable interest when the crop is grazed is based on the livestock and not the land. If requested, you will be required to provide records that show you have grazed livestock and that you have an insurable interest in the livestock. <span style="margin: 0px;">T</span>he type of records to support your interest in livestock inventory include, but are not limited to any one of the following: </p>
<ul>
    <li style="margin: 0px;">Livestock inventories from within the state;</li>
    <li style="margin: 0px;">Sales documents of offspring (can be used to verify on farm livestock inventory);</li>
    <li style="margin: 0px;">Documentation confirming you have purchased/owned/bred/raised livestock in the state;</li>
    <li style="margin: 0px;">Documentation of livestock taken in on the gain or for a fee;</li>
    <li style="margin: 0px;">Documentation that confirms you hauled livestock (in which you have an interest) into the state to graze; or</li>
    <li style="margin: 0px;">If natural causes require you to destock your livestock, records demonstrating disposition are acceptable. </li>
</ul>
<br>
<p style="margin: 0px;"><span style="margin: 0px;">These records must be maintained for period of three years after the crop year.</span></p></div>
                        </div>
                </li>
                <li>
                        <h4 data-target="#answer-122b5ebcb69a4d74bec7eae54fce2e61" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">Can a producer use FSA form FSA-578, Report of Acreage as an acceptable documentation for determining shares for PRF?</span>
                        </h4>
                        <div id="answer-122b5ebcb69a4d74bec7eae54fce2e61" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><p style="margin: 0px;">An FSA-578 is NOT acceptable documentation by itself for determining shares. FSA programs and PRF have different rules/criteria for determining who has a share in a crop, and therefore, may not be appropriate for PRF. The FSA-578 may be used in support of or in conjunction with other documentation for determining shares but cannot be used as the only documentation for determining shares. <br>
<br>
The following are examples from the Rainfall Index Handbook Exhibit 6 E showing the use of a FSA-578 in conjunction with a lease, grazing permit, or ownership records to determine insurable acreage; however, upon request livestock records may also need to be provided for the intended use of grazing:<br>
<br>
Example 1: 	<br>
Lessee K leases land from the BLM.  Lessee K reports the lease to FSA and obtains an FSA-578.  Lessee K provides the FSA-578 and BLM master allotment report.  The FSA-578 provides the location of the land and reports the producer has 100% share of 50,000 acres.  The BLM master allotment report clarifies that the producer only has access to 100 animal unit month (AUM) within the allotment along with four other producers.  The total AUMs permitted on the BLM allotment is 400.  In this case the producer has 25% share in 50,000 acres rather. <br>
<br>
Example 2: 	<br>
Lessee M leases land from the BLM.  Lessee M reports the lease to FSA and obtains an FSA-578.  Lessee M provides the FSA-578 and BLM master allotment report.  The FSA-578 provides the location of the land and reports the producer has 100% share of 10,000 acres.  The BLM master allotment report indicates that the total acres within the allotment are 10,000 acres, but 2,000 of those acres are private land within the boundaries of the allotment.  The total insurable acreage Lessor M can insure based on this information is 8,000 acres, unless Lessor M provides a record showing ownership or lease of the 2,000 private acres.<br>
<br>
Example 3:	<br>
Landowner X has 200 acres of grazing land that are used for grazing cattle and are reported to FSA as grazing.  Landowner X is requested to provide records of livestock ownership and the acreage.  To meet the request, Landowner X provides sales records of cattle, an FSA-578, and tax records from the previous year to show ownership of the acreage.<br>
<br>
Example 4:	<br>
Lessee Y leases 100 grazing acres from Lessor Z.  Lessee Y reports the lease to FSA and obtains an FSA-578.  Lessee Y is requested to provide records of livestock ownership and a lease for the acreage.  To meet the request, Lessee Y provides sales records of cattle, an FSA-578, and the lease certification form.  The FSA-578 acreage matches the acreage certified on the verified lease certification form and the livestock records support the insurable interest.</p></div>
                        </div>
                </li>
                <li>
                    <h3 style="color: #000000; font-weight: bold;">2019 Changes to PRF</h3>
                    <h5 style="color: #000000; font-weight: bold;"></h5>
                    <p style="color: #000000; font-weight: normal"></p>
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                        <h4 data-target="#answer-a5f4b3f23d7d43c79a89688576c88a4b" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">When will these values take effect? Will 2018 CBVs be impacted?</span>
                        </h4>
                        <div id="answer-a5f4b3f23d7d43c79a89688576c88a4b" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><span style="text-align: left; color: #000000; letter-spacing: normal; text-decoration: none; background-color: transparent;">Theses CBVs will take effect for the 2019 crop year. The CBVs for the rest of 2018 will not be impacted.</span></div>
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                        <h4 data-target="#answer-5d64e33baa3240b4b2f6787116fcaed6" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">Why did RMA change the values?</span>
                        </h4>
                        <div id="answer-5d64e33baa3240b4b2f6787116fcaed6" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><span style="text-align: left; color: #000000; letter-spacing: normal; text-decoration: none; background-color: transparent;">RMA changed the methodology in order to more accurately reflect the value of forage production per acre realizing that the previous use of hay prices resulted in overvaluation of actual production potential of grazing land.</span></div>
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                <li>
                        <h4 data-target="#answer-883c31168aad42959ac2e1617c25ef2a" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">Will I have to pay more for my coverage?</span>
                        </h4>
                        <div id="answer-883c31168aad42959ac2e1617c25ef2a" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><span style="text-align: left; color: #000000; letter-spacing: normal; text-decoration: none; background-color: transparent;">No, to the extent the CBVs in your counties decreased, your premiums will decrease as well.</span></div>
                        </div>
                </li>
                <li>
                        <h4 data-target="#answer-8944adbc0a744f1ca1510620443bcc4d" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">Why did RMA do this in the middle of a drought?</span>
                        </h4>
                        <div id="answer-8944adbc0a744f1ca1510620443bcc4d" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><span style="text-align: left; color: #000000; letter-spacing: normal; text-decoration: none; background-color: transparent;">The values will not change for 2018. The values go into effect for 2019. RMA understands the difficulties that ranchers are facing. However, to more accurately reflect values and ensure sustainability and integrity of the program, these changes were made. With the changes, PRF still offers valuable risk management.</span></div>
                        </div>
                </li>
                <li>
                        <h4 data-target="#answer-905749bbe55c45c2989f06c59517ee49" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">How can I increase coverage if I think the values are too low?</span>
                        </h4>
                        <div id="answer-905749bbe55c45c2989f06c59517ee49" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><span style="text-align: left; letter-spacing: normal; text-decoration: none; background-color: transparent; color: #000000;">The option of using the productivity factor is still available, which allows producers to increase the CBV up to 50 percent more.</span></div>
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