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        <span class="visible-sm-block visible-md-block visible-xs-block">Okla.</span>
    </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>

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            <h1>

                Final Agency Determination: FAD-278
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                    <p style="padding-bottom: 10px;"><strong>Subject:</strong> Request received May 2, 2018, to the Risk Management Agency (RMA) requesting a Final Agency Determination for the 2016 crop year regarding the interpretation of section 3(a) of the Common Crop Insurance Policy Basic Provisions (Basic Provisions), published at 7 C.F.R. § 457.8. This request is pursuant to 7 C.F.R. § 400, subpart X.</p>
<p><strong>Background:</strong></p>
<p>Section 3(a) of the Basic Provisions states, in relevant part:</p>
<p><strong>3. Insurance Guarantees, Coverage Levels, and Prices.</strong></p>
<p style="padding-bottom: 10px; margin-left: 40px;">Unless adjusted or limited in accordance with your policy, the production guarantee or amount of insurance, coverage level, and price at which an indemnity will be determined for each unit will be those used to calculate your summary of coverage for each crop year.</p>
<p><strong>Interpretations Submitted</strong></p>
<p>The requestor’s interpretation is that the production guarantee amount (i.e., the dollar amount of insurance/indemnity) that is expressly stated on the Summary of Coverage for the subject crop year is the mandatory dollar amount to be used to subsequently calculate the amount of indemnity potentially payable to the insured for a loss that occurred during the insurance period for the subject crop year.</p>
<p>The foregoing includes that a notice of the loss was duly given to the Approver Insurance Provider (AIP) during the subject crop year. Further, the requestor stipulates that unless there is an adjustment or limitation in the language of the Basic Provisions, Crop Provisions, or any applicable Special Provisions, the operative production guarantee stated in the Summary of Coverage for the subject crop year of the loss remains the amount potentially payable.</p>
<p>For example, the amount of damages/indemnity for a covered cause of loss may not be determined/calculated by the AIP until after the insurance period has ended. If the AIP presents the producer with a completed Production Worksheet only after the subsequent crop year/insurance period has begun, a new production guarantee/dollar amount of insurance may have been established on a new Summary of Coverage for the new crop year. This new production guarantee may be different from the prior crop year when a loss actually occurred and was reported and should not be used to calculate an indemnity.</p>
<p style="padding-bottom: 10px;">The requestor’s interpretation is that regardless of when the loss is calculated, the production guarantee/amount of insurance in force for the crop year and insurance period when the loss occurs is the controlling dollar amount of insurance to be used to calculate the amount of indemnity.</p>
<p><strong>Final Agency Determination</strong></p>
<p>FCIC agrees in part with the requester’s interpretation of section 3(a) of the Basic Provisions. The actual provision states that the production guarantee or amount of insurance, coverage level, and price at which an indemnity will be determined for each unit is used to establish the Summary of Coverage for each crop year, not the other way around. The policy provisions control, not the Summary of Coverage, which is established by the approved insurance provider based on the policy provisions and may be adjusted in accordance with such provisions.</p>
<p>The requestor states that the guarantee amount stated on the Summary of Coverage is the mandatory amount used to calculate the indemnity for a loss that occurred during that crop year. FCIC agrees that if the production guarantee was calculated in accordance with the terms of the policy and there were no errors or omissions, that production guarantee is the amount that is used to determine whether there was an indemnified loss for that crop year. It does not matter when the actual amount of the loss is determined. Even if the amount of loss is established after the start of the next insurance period, the amount of loss is determined by subtracting the production to count for the crop year from the guarantee established for that crop year.</p>
<p style="padding-bottom: 10px;">In accordance with 7 C.F.R. § 400.765(c), this Final Agency Determination is binding on all participants in the Federal crop insurance program for the crop years the policy provisions are in effect. Any appeal of this decision must be in accordance with 7 C.F.R. § 400.768(g).</p>
<p><strong>Date of Issue:</strong> June 5, 2018</p>
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