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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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                <li>Newsroom</li>
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                <li>Whole-Farm Revenue Protection 2016</li>
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    <div class="page-header">
            <h1>

                Whole-Farm Revenue Protection Plan
                    <br /><small>Aug 27, 2015</small>
            </h1>
            <div class="rteContainer">
            <p>Whole-Farm Revenue Protection (WRFP) insurance provides coverage against the
loss of revenue that you expect to earn, or will obtain from commodities you
produce or purchase for resale during the insurance period under one insurance
policy. WFRP combines the Adjusted Gross Revenue (AGR) and Adjusted Gross
Revenue-Lite (AGR-Lite) pilot programs and provides additional enhancements such
as:</p>
<ul>
    <li>A range of coverage levels from 50-85 percent to fit the needs of more
    farming and ranching operations;
    </li>
    <li>Replant coverage for annual crops;
    </li>
    <li>The ability to consider market readiness costs as part of the insured
    revenue and expenses;
    </li>
    <li>Provisions to adjust the insurance guarantee to better fit expanding
    operations;
    </li>
    <li>An improved timeline for farming operations that operate as fiscal year
    filers; and,
    </li>
    <li>Streamlined underwriting procedures based on the forms used for WFRP</li>
</ul>
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        </div>
    </div>

            </div>
    </div>

        <a class="btn btn-default btn-expand-collapse hidden-print" role="button">Expand All</a>
    <ul class="qa">
                <li>
                    <h3 style="color: #000000; font-weight: bold;">WFRP Modifications: New for 2016</h3>
                    <h5 style="color: #000000; font-weight: bold;"></h5>
                    <p style="color: #000000; font-weight: normal"></p>
                </li>
                <li>
                        <h4 data-target="#answer-526f416486ea451db23cc92884415fbc" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">Was there any expansion to the WFRP program for 2016?</span>
                        </h4>
                        <div id="answer-526f416486ea451db23cc92884415fbc" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><p>Yes! WFRP has been expanded to all counties nationwide for 2016. This means the
program is newly available in Arkansas, Louisiana, Mississippi, Oklahoma, Texas,
and in the remainder of counties in Alaska and California.</p>
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                        </div>
                </li>
                <li>
                        <h4 data-target="#answer-49ade9c8f95a4beda596498b89c5a809" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">What are the WFRP records requirements for insureds who direct market their produce (or animal products)?, such as farmer’s markets or roadside stands?</span>
                        </h4>
                        <div id="answer-49ade9c8f95a4beda596498b89c5a809" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><p>The WFRP policy requirements were changed to better reflect the type of records
direct marketers keep as sales records. Sales/marketing records can be farm
records that are kept during the sales year.</p>
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    }
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    }
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                        </div>
                </li>
                <li>
                        <h4 data-target="#answer-7ca614a4c0dd4e5791efcb2ac3bf9871" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">What type of records should a producer who direct markets keep for WFRP?</span>
                        </h4>
                        <div id="answer-7ca614a4c0dd4e5791efcb2ac3bf9871" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><p>RMA has released some recordkeeping aids on its website for direct marketers to
use as guides for record-keeping. These aids are available to simply print and
use as paper copy or to use with your computer. These aids are not required but
offer a method for insureds to record farm marketing information during the year
and will also be useful to producers in identifying profitability of individual
commodities. Use of one of these aids will help insureds to keep contemporaneous
farm records adequate for WFRP insurance needs. The aids can be found at: www.rma.usda.gov/Policy-and-Procedure/Insurance-Plans/Whole-Farm-Revenue-Protection.</p>
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    }
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                        </div>
                </li>
                <li>
                        <h4 data-target="#answer-80f1589e160b46b79bfef635a6659c1d" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">Have there been changes to the WFRP animal and animal product limit?</span>
                        </h4>
                        <div id="answer-80f1589e160b46b79bfef635a6659c1d" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><p>Yes! Producers may now qualify for WFRP if their farm has up to $1 million of
expected revenue from animals and animal products. The 35 percent limit for
animals and animal products has been removed.</p>
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    }
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    border-style: solid;
    border-color: #666666;
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    }
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    }
    #map_caption {
    font-size: 11px;
    font-weight: bold;
    }
</style></div>
                        </div>
                </li>
                <li>
                        <h4 data-target="#answer-5000838d7f864fc4b428eeb7808efaf3" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">Have there been changes to the WFRP nursery/greenhouse limit?</span>
                        </h4>
                        <div id="answer-5000838d7f864fc4b428eeb7808efaf3" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><p>Yes! Producers may now qualify for WFRP if their farm has up to $1 million of
expected revenue from nursery/greenhouse products. The 35 percent limit for
nursery/greenhouse has been removed.</p>
<style type="text/css">
    table.subsidy {
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    width: 100%;
    }
    table.subsidy th {
    border-width: 1px;
    padding: 8px;
    border-style: solid;
    border-color: #666666;
    text-align: left;
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    }
    table.subsidy td {
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    border-color: #666666;
    text-align: right;
    }
    table.subsidy tr.alt {
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    }
    #map_caption {
    font-size: 11px;
    font-weight: bold;
    }
</style></div>
                        </div>
                </li>
                <li>
                        <h4 data-target="#answer-8d962f430d314865b0d657aad5aef1e8" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">Is there more capacity in the WFRP policy for expanding operations?</span>
                        </h4>
                        <div id="answer-8d962f430d314865b0d657aad5aef1e8" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><p>Yes! Subject to AIP approval, producers may now qualify for to increase their
insurance guarantee by up to 35 percent of their average revenue history if
their farm has had physical growth of some kind. Physical growth can be
increased acreage, the addition of something like a greenhouse, changes to
varieties or planting patterns, or any other production capacity change.
Producers interested in this increased coverage must provide information to the
crop insurance agent showing that physical expansion has occurred and what the
resulting increased revenue is expected to be. The previous policy provisions
allowed an increase of 10 percent.</p>
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    }
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                        </div>
                </li>
                <li>
                        <h4 data-target="#answer-06556b1484ec41ed98164bdaa2fce74a" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">Have any changes been made to make more Beginning Farmers and Ranchers (BFR’s) eligible for coverage under WFRP?</span>
                        </h4>
                        <div id="answer-06556b1484ec41ed98164bdaa2fce74a" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><p>Yes. Subject to USDA qualification under the BFR Procedures, BFR’s may obtain
coverage under WFRP with a minimum of 3 years of tax history as long as they
also farmed the year before the insured year (lag year). Similar to established
producers, a 5-year average revenue will be constructed using the BFR’s three
years of history, the lag year and the lowest revenue amount from those four
years as the fifth year of history. BFR’s qualify for an additional 10 percent
premium subsidy</p>
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                        </div>
                </li>
                <li>
                        <h4 data-target="#answer-54e4dcd8383e44dc93dca7881830f108" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">Are Tribal Entities eligible for coverage under WFRP?</span>
                        </h4>
                        <div id="answer-54e4dcd8383e44dc93dca7881830f108" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><p>Yes, in some cases. Entities that are tax exempt but are eligible for Federal
benefits, such as Tribal entities, can qualify for WFRP as long as third party
verifiable records are available and can be converted into acceptable Substitute
Schedule F forms needed for WFRP. AIP approval that suitable records are
available is necessary for eligibility.</p>
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    }
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    }
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                        </div>
                </li>
                <li>
                        <h4 data-target="#answer-982b452fdca24ac08a6a4f217eeb2dd6" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">Can a producer meet WFRP revenue history requirements if they were prevented from farming for a year due to circumstances beyond their control?</span>
                        </h4>
                        <div id="answer-982b452fdca24ac08a6a4f217eeb2dd6" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><p>Yes. If a producer was not required to file farm income taxes in a single year
within the most recent five years because the farm income was zero, due to the
producer’s inability to farm, then the producer will be allowed to use the year
previous to the insured year (lag year’s) farming information to create a 5th
year of history. The individual must have been farming during the lag year to
utilize this exception This change may be useful for some producers who have an
illness or who may be deployed for a year</p>
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                        </div>
                </li>
                <li>
                    <h3 style="color: #000000; font-weight: bold;">General Questions</h3>
                    <h5 style="color: #000000; font-weight: bold;"></h5>
                    <p style="color: #000000; font-weight: normal"></p>
                </li>
                <li>
                        <h4 data-target="#answer-6e3c8fe75f75455cb698768ead03ab29" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">What types of farms is WFRP insurance made for?</span>
                        </h4>
                        <div id="answer-6e3c8fe75f75455cb698768ead03ab29" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><p>WFRP is designed to meet the needs of highly diverse farms that are growing a
wide range of commodities, and for farms selling commodities to wholesale
markets. The WFRP policy was specifically developed for farms that tend to sell
to direct, local or regional, and farm-identity preserved markets and grow
specialty crops and animals and animal products.</p>
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    padding: 8px;
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</style></div>
                        </div>
                </li>
                <li>
                        <h4 data-target="#answer-a59e6598a43d476c8480890bfce7eff5" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">What farm revenue is covered?</span>
                        </h4>
                        <div id="answer-a59e6598a43d476c8480890bfce7eff5" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><p>The amount of farm revenue you can protect with WFRP insurance is the lower of
the revenue expected on your current year’s farm plan or your five-year historic
income adjusted for growth. This represents an insurable revenue amount that can
reasonably be expected to be produced on your farm during the insurance year.
All commodities produced by the farm are covered under WFRP except timber,
forest, and forest products, and animals for sport, show or pets.</p>
<p>It is important to understand that WFRP is covering revenue produced during
the insurance year. For example: If a calf weighs 800 pounds at the beginning of
the year and will be sold at 1200 pounds during the insurance year, the value of
production will be the additional 400 pounds gained. Inventory adjustments are
used to remove production produced during previous years and to add revenue for
production that hasn’t been harvested or sold yet.</p>
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    border-width: 1px;
    padding: 8px;
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    border-color: #666666;
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    table.subsidy tr.alt {
    background-color: #f0f0f0;
    }
    #map_caption {
    font-size: 11px;
    font-weight: bold;
    }
</style></div>
                        </div>
                </li>
                <li>
                        <h4 data-target="#answer-45c11b6a95e247e5a284663155396e47" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">What adjustments are made for farm growth in determining my insured revenue amount?</span>
                        </h4>
                        <div id="answer-45c11b6a95e247e5a284663155396e47" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><p>There are two ways the WFRP policy looks at growing operations. The first is an
indexing procedure that looks to see if the allowable income from either of the
last two years is higher than the five (5) year average allowable income and
then, if that condition is met, increases the historic income based on how much
the farm has grown over the five historic years. The second way the WFRP policy
looks at farm growth depends on records provided by the insured to show that
physical changes have occurred on the farm that support an expanded operation
increase of up to 35 percent over the 5-year average allowable income. Only
those operations that meet one of these two conditions will be allowed to have
adjustments in the guarantee as an expanding operation. This expansion is
subject to AIP approval</p>
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    padding: 8px;
    border-style: solid;
    border-color: #666666;
    text-align: left;
    width: 215px;
    }
    table.subsidy td {
    border-width: 1px;
    padding: 8px;
    border-style: solid;
    border-color: #666666;
    text-align: right;
    }
    table.subsidy tr.alt {
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    }
    #map_caption {
    font-size: 11px;
    font-weight: bold;
    }
</style></div>
                        </div>
                </li>
                <li>
                        <h4 data-target="#answer-515d6a2bb7ce46708b2c38966919695f" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">How are commodities counted on my farm?</span>
                        </h4>
                        <div id="answer-515d6a2bb7ce46708b2c38966919695f" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><p>The WFRP commodity count is a calculation rather than simply a count of
commodities produced. It is important to understand that the commodity count
used by WFRP is not just what you are growing or producing on the farm, but is a
measure of farm diversification that shows the farm has reduced its risk by
producing significant amounts of multiple commodities. For example: A farm may
have 95 percent of its revenue coming from apples and 5 percent from pears. For
WFRP purposes, this farm would be considered to have only 1 commodity. However,
if the farm had 80 percent of its revenue coming from apples and 20 percent from
pears, the farm would be considered to have 2 commodities. The commodity count
calculation must be used to determine the number of commodities that count under
the policy.</p>
<p>The calculation determines the minimum proportion of revenue a commodity must
contribute to the farm to be considered a countable commodity for WFRP. A farm’s
revenue would be evenly distributed if an equal percentage of revenue came from
each commodity produced, for example, 25 percent from Corn, 25 percent from
Soybeans, 25 percent from Spinach and 25 percent from Carrots. The minimum
proportion to be considered a countable commodity is 1/3 of that evenly
distributed amount. Therefore, in this example, for corn, soybeans, spinach, or
carrots, each commodity would have to make up at least 8.3 percent of the total
revenue of the farm to count as a commodity under WFRP. Commodities with revenue
below the minimum will be grouped together in order to recognize the
diversification of the multiple commodities (this will make the commodity count
higher). The formula for the commodity count can be found in the WFRP policy.</p>
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    border-width: 1px;
    padding: 8px;
    border-style: solid;
    border-color: #666666;
    text-align: left;
    width: 215px;
    }
    table.subsidy td {
    border-width: 1px;
    padding: 8px;
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    border-color: #666666;
    text-align: right;
    }
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    }
    #map_caption {
    font-size: 11px;
    font-weight: bold;
    }
</style></div>
                        </div>
                </li>
                <li>
                        <h4 data-target="#answer-392518c99b5d4a6b889bd7f90d411b18" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">Does diversification on my farm matter?</span>
                        </h4>
                        <div id="answer-392518c99b5d4a6b889bd7f90d411b18" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><p>Yes! Farm level diversification is important in WFRP. In general,
diversification is measured by the number of commodities on the farm. Farm
diversification reduces revenue risk on the farm. The following are key items in
WFRP that are affected by diversification on the farm (Note: The number of
commodities is determined by the amount of farm diversification measured by a
commodity count calculation in the policy, as described in the answer to the
previous question.):</p>
<ul>
    <li>Qualification for the 80 and 85 percent coverage levels require a minimum of
    three (3) commodities.
    </li>
    <li>A minimum of two (2) commodities is required for potato farms to qualify for
    WFRP insurance.
    </li>
    <li>Farms that have a commodity that is insurable under Revenue Protection,
    Revenue Protection with the Harvest Price Exclusion, or the Actual Revenue
    History plan of insurance must have a minimum of 2 commodities on the farm in
    order to qualify for WFRP insurance.
    </li>
    <li>Farms with two (2) or more commodities will receive a premium rate discount
    based on the amount of diversification. This discount is a reflection of the
    lower risk of revenue loss because of the farms diversification.
    </li>
    <li>Farms with two (2) or more commodities will also receive a whole-farm
    subsidy resulting in less premium cost to the producer. </li>
</ul>
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    padding: 8px;
    border-style: solid;
    border-color: #666666;
    text-align: left;
    width: 215px;
    }
    table.subsidy td {
    border-width: 1px;
    padding: 8px;
    border-style: solid;
    border-color: #666666;
    text-align: right;
    }
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    background-color: #f0f0f0;
    }
    #map_caption {
    font-size: 11px;
    font-weight: bold;
    }
</style></div>
                        </div>
                </li>
                <li>
                        <h4 data-target="#answer-0ff7c1332b6f49c2b157fae8debc0aaf" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">Are there limits to what farms can be insured under WFRP?</span>
                        </h4>
                        <div id="answer-0ff7c1332b6f49c2b157fae8debc0aaf" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><p>Yes, if any of the following limits are exceeded, the farm will not qualify for
WFRP:</p>
<ul>
    <li>The farm’s total coverage must be $8.5 million or less at the sales closing
    date (this is approved revenue multiplied by the selected coverage level);
    </li>
    <li>The expected revenue from animals and animal products on the farm is greater
    than $1 million;
    </li>
    <li>The expected revenue from nursery and greenhouse products on the farm is
    greater than $1 million;
    </li>
    <li>The farm must have a commodity count of two (2) or more commodities if the
    farm has potatoes; and
    </li>
    <li>Farms that have a commodity that is insurable under Revenue Protection,
    Revenue Protection with the Harvest Price Exclusion, or the Actual Revenue
    History plan of insurance must have a minimum of 2 commodities on the farm in
    order to qualify for WFRP insurance.</li>
</ul>
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    border-color: #666666;
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    width: 215px;
    }
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</style></div>
                        </div>
                </li>
                <li>
                        <h4 data-target="#answer-a59dbfd5143c4f199c9472e56ae3a9df" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">What type of subsidy is available for WFRP?</span>
                        </h4>
                        <div id="answer-a59dbfd5143c4f199c9472e56ae3a9df" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><p>Whole-farm subsidy is available for WFRP if you qualify through diversification
on your farm. The availability of whole-farm subsidy for WRFP for farms meeting
the diversification requirements for two commodities means that WFRP insurance
provides the same higher whole-farm subsidy levels available on the Revenue
Protection products. Your WFRP subsidy amount will be based on the commodity
count calculation indicating the amount of farm level diversification of revenue
that you have. If you have two (2) or more commodities that significantly
contribute to your operation, you will receive a whole-farm subsidy. If not, you
will receive the basic subsidy. The following subsidy amounts will apply for
WFRP:</p>
<p><strong>WFRP Subsidy: Percentage of Total Premium Paid by
Government</strong></p>
<table class="subsidy">
    <tbody>
        <tr class="alt">
            <th>Coverage Level</th>
            <td>50%</td>
            <td>55%</td>
            <td>60%</td>
            <td>65%</td>
            <td>70%</td>
            <td>75%</td>
            <td>80%</td>
            <td>85%</td>
        </tr>
        <tr>
            <th>Basic Subsidy-Qualifying<br>
            Commodity Count: 1</th>
            <td>67%</td>
            <td>64%</td>
            <td>64%</td>
            <td>59%</td>
            <td>59%</td>
            <td>55%</td>
            <td>N/A</td>
            <td>N/A</td>
        </tr>
        <tr>
            <th>Whole-Farm Subsidy-Qualifying<br>
            Commodity Count: 2</th>
            <td>80%</td>
            <td>80%</td>
            <td>80%</td>
            <td>80%</td>
            <td>80%</td>
            <td>80%</td>
            <td>N/A</td>
            <td>N/A</td>
        </tr>
        <tr>
            <th>Whole-Farm Subsidy-Qualifying<br>
            Commodity Count: 3 or more</th>
            <td>80%</td>
            <td>80%</td>
            <td>80%</td>
            <td>80%</td>
            <td>80%</td>
            <td>80%</td>
            <td>71%</td>
            <td>56%</td>
        </tr>
    </tbody>
</table>
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    }
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    padding: 8px;
    border-style: solid;
    border-color: #666666;
    text-align: left;
    width: 215px;
    }
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    border-width: 1px;
    padding: 8px;
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    text-align: right;
    }
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    }
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    font-size: 11px;
    font-weight: bold;
    }
</style></div>
                        </div>
                </li>
                <li>
                        <h4 data-target="#answer-fc2ace1d3288424189d4ebb6047b0c26" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">Where is WFRP Available?</span>
                        </h4>
                        <div id="answer-fc2ace1d3288424189d4ebb6047b0c26" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><p>WFRP is available in all 50 states and all counties within each state. WFRP is
the only crop insurance product with nationwide availability.</p>
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    border-width: 1px;
    padding: 8px;
    border-style: solid;
    border-color: #666666;
    text-align: left;
    width: 215px;
    }
    table.subsidy td {
    border-width: 1px;
    padding: 8px;
    border-style: solid;
    border-color: #666666;
    text-align: right;
    }
    table.subsidy tr.alt {
    background-color: #f0f0f0;
    }
    #map_caption {
    font-size: 11px;
    font-weight: bold;
    }
</style></div>
                        </div>
                </li>
                <li>
                        <h4 data-target="#answer-2e1f86cceddf42d28b0fcb4544939a86" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">How and where do I purchase WFRP insurance?</span>
                        </h4>
                        <div id="answer-2e1f86cceddf42d28b0fcb4544939a86" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><p>WFRP is available for purchase from your local crop insurance agent. You can
find a crop insurance agent at Agent Locator.</p>
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    }
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    border-width: 1px;
    padding: 8px;
    border-style: solid;
    border-color: #666666;
    text-align: left;
    width: 215px;
    }
    table.subsidy td {
    border-width: 1px;
    padding: 8px;
    border-style: solid;
    border-color: #666666;
    text-align: right;
    }
    table.subsidy tr.alt {
    background-color: #f0f0f0;
    }
    #map_caption {
    font-size: 11px;
    font-weight: bold;
    }
</style></div>
                        </div>
                </li>
                <li>
                        <h4 data-target="#answer-d966432a6f114059957b7458e6144eda" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">What is the last date to purchase (sales closing date) WFRP?</span>
                        </h4>
                        <div id="answer-d966432a6f114059957b7458e6144eda" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><p>Sales closing dates are the same as other spring crop sales closing dates
applicable for your county and will be January 31, February 28 or March 15 for
2016. Consult a crop insurance agent or check the Actuarial Information Browser
on the RMA website to find the sales closing date for your county. The <a href="https://webapp.rma.usda.gov/apps/ActuarialInformationBrowser/" target="_blank" title="Open in New Window">Actuarial Information Browser</a> can be found on RMA’s website.</p>
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    border-collapse: collapse;
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    padding: 8px;
    border-style: solid;
    border-color: #666666;
    text-align: left;
    width: 215px;
    }
    table.subsidy td {
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    padding: 8px;
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    }
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    }
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                        </div>
                </li>
                <li>
                    <h3 style="color: #000000; font-weight: bold;">WFRP Coverage</h3>
                    <h5 style="color: #000000; font-weight: bold;"></h5>
                    <p style="color: #000000; font-weight: normal"></p>
                </li>
                <li>
                        <h4 data-target="#answer-4e34bf646082485caa4907eee13ea32e" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">What coverage levels are available for WFRP?</span>
                        </h4>
                        <div id="answer-4e34bf646082485caa4907eee13ea32e" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><p>WFRP provides whole-farm revenue protection coverage levels from 50 to 85
percent of insured revenue. These coverage levels are available in 5 percent
increments and your farm must have diversification of at least three (3)
commodities, in order to qualify for the 80 and 85 percent coverage levels</p>
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    padding: 8px;
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    font-weight: bold;
    }
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                        </div>
                </li>
                <li>
                        <h4 data-target="#answer-4b33314a3e6f48958f2b1ec50b046b8b" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">When does my coverage begin?</span>
                        </h4>
                        <div id="answer-4b33314a3e6f48958f2b1ec50b046b8b" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer">For first year insureds under WFRP, coverage begins ten days after the application is accepted by your AIP. Producers who were previously insured under Adjusted Gross Revenue or Adjusted Gross Revenue-Lite will be considered to have been insured the previous year; therefore, they will be considered carry-over policyholders and coverage is effective at the beginning of the insurance period.</div>
                        </div>
                </li>
                <li>
                        <h4 data-target="#answer-dd7ad3298df14430a0d9f1ca4d29b875" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">What is the insurance period for WFRP?</span>
                        </h4>
                        <div id="answer-dd7ad3298df14430a0d9f1ca4d29b875" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><p>The insurance period under WFRP is based on your tax year. If you are a calendar
year filer, the insurance period is January 1 through December 31. If you are a
fiscal year filer your insurance year will be the same as your fiscal tax year.</p>
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    border-color: #666666;
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    background-color: #f0f0f0;
    }
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    font-size: 11px;
    font-weight: bold;
    }
</style></div>
                        </div>
                </li>
                <li>
                        <h4 data-target="#answer-e3eefc624a8d4f84bee0416367fac199" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">How do I determine the prices to use for the commodities on my farm plan?</span>
                        </h4>
                        <div id="answer-e3eefc624a8d4f84bee0416367fac199" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><p>Prices must be reasonable for your local market and will be determined using the
expected value guidelines in the policy. These guidelines are generally based on
third party values, but for some farms that grow commodities where little or no
price information is available there are times when historic averages will be
used. Organic prices may be used for certified organic acreage, and organic
prices may also be used for small farms that do not have to have an official
organic certification, as long as an organic plan in accordance with the
National Organic Program is being followed.</p>
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    table.subsidy {
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    }
    table.subsidy th {
    border-width: 1px;
    padding: 8px;
    border-style: solid;
    border-color: #666666;
    text-align: left;
    width: 215px;
    }
    table.subsidy td {
    border-width: 1px;
    padding: 8px;
    border-style: solid;
    border-color: #666666;
    text-align: right;
    }
    table.subsidy tr.alt {
    background-color: #f0f0f0;
    }
    #map_caption {
    font-size: 11px;
    font-weight: bold;
    }
</style></div>
                        </div>
                </li>
                <li>
                        <h4 data-target="#answer-049ed3c2e01b4944ac52639e9f563f2b" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion"> Is replant coverage part of WFRP?</span>
                        </h4>
                        <div id="answer-049ed3c2e01b4944ac52639e9f563f2b" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><p> Replant coverage is part of WFRP for annual crops only and is also only for
crops on your farm operation that are not insured under another FCIC reinsured
policy. For annual crops insured under WFRP and also insured under another FCIC
reinsured policy that provides for a replant payment, a qualifying replant
payment will only be paid under the other FCIC policy. Damage to the commodity
must be due to an insured cause of loss. The AIP must agree that it is practical
to replant and give their consent to replant. The maximum amount of a replant
payment will be the lower of: (1) 20 percent of the expected revenue times the
coverage level per acre for the commodity; or (2) the actual cost of replanting
per acre. You must submit verifiable records showing your actual cost of
replanting.</p>
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    border-collapse: collapse;
    width: 100%;
    }
    table.subsidy th {
    border-width: 1px;
    padding: 8px;
    border-style: solid;
    border-color: #666666;
    text-align: left;
    width: 215px;
    }
    table.subsidy td {
    border-width: 1px;
    padding: 8px;
    border-style: solid;
    border-color: #666666;
    text-align: right;
    }
    table.subsidy tr.alt {
    background-color: #f0f0f0;
    }
    #map_caption {
    font-size: 11px;
    font-weight: bold;
    }
</style></div>
                        </div>
                </li>
                <li>
                        <h4 data-target="#answer-d37d91ceaaa34989b135a54887bf4026" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">Is there prevented planting coverage under WFRP?</span>
                        </h4>
                        <div id="answer-d37d91ceaaa34989b135a54887bf4026" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><p>While prevented planting coverage under the WFRP is not the same as prevented
planting coverage under the Common Crop Insurance Policy Basic provisions, if a
commodity shown on the Intended Farm Operation Report cannot be planted due to
an insured cause of loss during the insurance year, and there is a revenue
shortfall on the entire farm for the insured year, a loss would be paid. At the
time the Intended Farm Operation Report is completed, the producer must have a
reasonable expectation that each commodity listed can be produced. Losses for
WFRP occur at the end of the year when the approved ‘revenue to count’ for the
insurance year falls below the insured revenue and must be due to an insured
cause of loss.</p>
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    }
    table.subsidy td {
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    border-color: #666666;
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    }
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    }
    #map_caption {
    font-size: 11px;
    font-weight: bold;
    }
</style></div>
                        </div>
                </li>
                <li>
                        <h4 data-target="#answer-b0e3d61af1314c81a16e70d9d74c5d00" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">Can I purchase individual Federal reinsured crop insurance policies for my commodities in addition to WFRP?</span>
                        </h4>
                        <div id="answer-b0e3d61af1314c81a16e70d9d74c5d00" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><p>Yes. You may purchase other Federal reinsured crop insurance coverage for any of
your commodities as <em>long as the other policy provides coverage at a ‘buy-up’
coverage level and not at the 'catastrophic' coverage level</em>. When you
purchase other Federal reinsured crop insurance policies in conjunction with
WFRP, the total liability from those policies covering WFRP covered commodities,
up to 50 percent of your WFRP policy liability, will be used to adjust the WFRP
liability amount for premium calculation purposes. The liability adjustment will
be used only for premium calculation and will result in a reduced amount of WFRP
premium. The other Federal reinsured crop insurance will become your primary
policy and any indemnity paid on those policies will be considered to be revenue
for the insurance year under the WFRP policy to assure duplicate payments for
the same crop loss are not made. If you purchase other Federal reinsured crop
insurance coverage at the 'catastrophic' (CAT) level of coverage, you will not
be eligible for WFRP for that insurance year. You are not required to
purchase another Federal reinsured crop insurance policy .</p>
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    border-color: #666666;
    text-align: left;
    width: 215px;
    }
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    border-color: #666666;
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    }
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    font-size: 11px;
    font-weight: bold;
    }
</style></div>
                        </div>
                </li>
                <li>
                        <h4 data-target="#answer-f1b7da36e5204c0dae3dc7627eba3aeb" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">Are there any exceptions to the rule that when producers have other Federal crop insurance with WFRP, the WFRP policy requires those other Federal crop insurance policies to be at buy-up levels of coverage or the producer is not eligible for WFRP insurance?</span>
                        </h4>
                        <div id="answer-f1b7da36e5204c0dae3dc7627eba3aeb" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><p>Yes. Because the WFPR policy was released in early November of 2014, an
exception was made for the 2015 insurance year regarding the purchase of
catastrophic (CAT) level coverage. This exception will continue to apply for the
2016 insurance year only for producers who purchased a two-year CAT level
insurance policy for a specific crop with a Sales Closing Date prior to November
1, 2014. These producers will be eligible for WFRP insurance provided they meet
all other eligibility requirements as reflected in the Special Provisions of
Insurance for the county.</p>
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    padding: 8px;
    border-style: solid;
    border-color: #666666;
    text-align: left;
    width: 215px;
    }
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    border-width: 1px;
    padding: 8px;
    border-style: solid;
    border-color: #666666;
    text-align: right;
    }
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    }
    #map_caption {
    font-size: 11px;
    font-weight: bold;
    }
</style></div>
                        </div>
                </li>
                <li>
                        <h4 data-target="#answer-8754c221b2c94e5983d4afd874389a7e" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">Are there any post-production expenses that can be included in my income and expense calculations?</span>
                        </h4>
                        <div id="answer-8754c221b2c94e5983d4afd874389a7e" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><p>Yes, Market Readiness provisions are included in the policy to allow certain
expenses, such as washing, packing and packaging, to be left in the insured
revenue instead of being adjusted out of the revenue. To qualify as market
readiness operations, the costs must be the minimum required to remove the
commodity from the field and make it market ready and must be performed in the
field or in close proximity to the field. Market readiness does not include
costs incurred when altering the form of the commodity (such as slicing the
apples), adding value to the commodity (such as gift baskets or wine), storage
or any activity that occurs off-farm.</p>
<p>Post production costs for activities that occur on or off the farm after
producing and harvesting a commodity such as packing and packaging, as well as
any added value operations such as making wine from grapes or putting together
gift baskets for the farmer’s market must be removed from the expected revenue
and allowable revenue as well as from the allowable expenses. These costs can
vary widely and are not revenue that is at risk. For example, if the apple crop
is lost, the boxes can either not be purchased or can be used the following
year. The Federal Crop Insurance Act does not allow Federal crop insurance
coverage for post-production operations unless they qualify as market readiness
costs.</p>
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    padding: 8px;
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    border-color: #666666;
    text-align: left;
    width: 215px;
    }
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    border-style: solid;
    border-color: #666666;
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    }
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    font-size: 11px;
    font-weight: bold;
    }
</style></div>
                        </div>
                </li>
                <li>
                        <h4 data-target="#answer-fc1435b348394056a64ee834b7632eb2" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">How is the commodity list for my county developed and what if a commodity I grow is not on the list?</span>
                        </h4>
                        <div id="answer-fc1435b348394056a64ee834b7632eb2" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><p>The commodity list for your county can be found in the <a href="https://webapp.rma.usda.gov/apps/actuarialinformationbrowser2017/CropCriteria.aspx" target="_blank" title="Open in New Window">actuarial documents</a> on
the RMA website</p>
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    padding: 8px;
    border-style: solid;
    border-color: #666666;
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    width: 215px;
    }
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</style>
<p>This list has been compiled by agricultural experts and available information
from your state. Each commodity on the list represents a separate risk for the
farming operation. You should select the commodity code that most closely
represents each commodity you will produce. If a commodity that you produce is
not on the list you can utilize the 'other' commodity code for that commodity,
such as: 'other fruits', 'other vegetables', 'other crop' or 'other livestock'.</p>
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    padding: 8px;
    border-style: solid;
    border-color: #666666;
    text-align: left;
    width: 215px;
    }
    table.subsidy td {
    border-width: 1px;
    padding: 8px;
    border-style: solid;
    border-color: #666666;
    text-align: right;
    }
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    background-color: #f0f0f0;
    }
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    font-size: 11px;
    font-weight: bold;
    }
</style></div>
                        </div>
                </li>
                <li>
                        <h4 data-target="#answer-54da3d9134824c11a53e4f9481b0ae28" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">Why aren’t my crop insurance payments and other government agricultural payments from historic years included in my historic income? And why are they included as revenue for the insured year?</span>
                        </h4>
                        <div id="answer-54da3d9134824c11a53e4f9481b0ae28" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><p>Historic insurance payments and other government agricultural payments are not
included as revenue because they are not earned as part of the farming operation
and cannot be expected to be paid year-to-year. The insurance guarantee must be
based on what can be expected to be produced based on what has actually been
produced historically. However, these payments are included as revenue-to-count
for the insured year because they are earned during the insurance period as a
result of the farm operation and are, therefore, part of farm revenue.</p>
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    border-width: 1px;
    padding: 8px;
    border-style: solid;
    border-color: #666666;
    text-align: left;
    width: 215px;
    }
    table.subsidy td {
    border-width: 1px;
    padding: 8px;
    border-style: solid;
    border-color: #666666;
    text-align: right;
    }
    table.subsidy tr.alt {
    background-color: #f0f0f0;
    }
    #map_caption {
    font-size: 11px;
    font-weight: bold;
    }
</style></div>
                        </div>
                </li>
                <li>
                        <h4 data-target="#answer-30a792d0eace4310bfed7201f9ba3282" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">What information does a producer need to provide for WFRP?</span>
                        </h4>
                        <div id="answer-30a792d0eace4310bfed7201f9ba3282" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><p>You will need the following information for the AIP to underwrite WFRP
insurance:</p>
<ul>
    <li>Five (5) years of historic Schedule F farm tax records (If you don’t file
    Schedule F you will need the farm tax forms you file plus supporting information
    so a Substitute Schedule F can be completed) except:
    <ul class="secondary">
        <li>If you qualify as a Beginning Farmer or Rancher (BFR) you may qualify with
        fewer years (see the BFR question): or,
        </li>
        <li>If you were physically unable to farm for one of the 5 required historic
        years but were farming the past year, you will need the four years of tax
        records that you have and completed taxes for last year (the year previous to
        the insurance year) or the information necessary to complete a Substitute
        Schedule F for last year; or,
        </li>
        <li>If you are a tax exempt entity (such as a Tribal entity) you will need
        acceptable third party records that can be used to complete Substitute Schedule
        F tax forms for the five year history. </li>
    </ul>
    </li>
    <li>Your farm plan for the year to show what commodities you plan to produce and
    how much of each will be produced. Some of your historic records may be needed
    to assist with determining expected prices, and if you raise organic commodities
    you will need your organic certificate and may need to consult your organic
    plan.
    </li>
    <li>Farm marketing records are acceptable records for direct marketed
    commodities.
    </li>
    <li>Summaries of coverage for any individual insurance policies you have
    purchased.
    </li>
    <li>If you have inventories of commodities, accounts receivable or accounts
    payable you will need to provide this information to your crop insurance agent.</li>
</ul>
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    padding: 8px;
    border-style: solid;
    border-color: #666666;
    text-align: left;
    width: 215px;
    }
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    border-width: 1px;
    padding: 8px;
    border-style: solid;
    border-color: #666666;
    text-align: right;
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    }
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    font-size: 11px;
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    }
</style></div>
                        </div>
                </li>
                <li>
                        <h4 data-target="#answer-8e09b737ea4841c0b9fa5e0e944e62fd" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">Do I have to submit three separate Farm Operation Reports, an Intended, Revised and Final?</span>
                        </h4>
                        <div id="answer-8e09b737ea4841c0b9fa5e0e944e62fd" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><p>The Farm Operation Report has three sections, the Intended, Revised, and Final.
During the course of the year, you will work to complete the whole form. The
intended section tells what you will produce for the year and is used to quote
your initial premium. If you follow your Intended plan, you will not have to
revise your Farm Operation Report (referred as your Revised Farm Operation
Report), just sign the report as complete. However, if you make changes to your
Intended plan, you will report these changes when you complete your Revised Farm
Operation Report and your amount of insurance and premium will be recomputed
based on what you actually ended up growing for the year. The Revised Farm
Operation Report is similar to the Acreage Report used for other types of
Federal crop insurance. At the end of the insurance year and prior to your next
year’s sales closing date, you will complete the Farm Operation Report by
filling out the Final section. If you do not complete the Final section you will
be limited to the 65 percent coverage level the following year.</p>
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    padding: 8px;
    border-style: solid;
    border-color: #666666;
    text-align: left;
    width: 215px;
    }
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    padding: 8px;
    border-style: solid;
    border-color: #666666;
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    }
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    }
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                        </div>
                </li>
                <li>
                        <h4 data-target="#answer-dbcaeec3569e4bdfa82384c26556375f" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">How are my Federal farm income tax returns used for WFPR?</span>
                        </h4>
                        <div id="answer-dbcaeec3569e4bdfa82384c26556375f" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><p> Specific items on the Federal farm income tax returns are entered onto
worksheets for WFRP. These worksheets have room for adjustments to remove items
that are not allowed to be insured, such as post-production operation costs.
Once these numbers are sorted through and items that can’t be insured are
adjusted out, the totals left on these worksheets are ‘allowable revenue’ and
‘allowable expenses’ for the specific tax year that will be entered on the
Whole-Farm History Report. The Federal farm income tax forms are your ‘revenue
history’ for the historic years on your farm, similar to an APH used for other
Federal crop insurance.</p>
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    border-width: 1px;
    padding: 8px;
    border-style: solid;
    border-color: #666666;
    text-align: left;
    width: 215px;
    }
    table.subsidy td {
    border-width: 1px;
    padding: 8px;
    border-style: solid;
    border-color: #666666;
    text-align: right;
    }
    table.subsidy tr.alt {
    background-color: #f0f0f0;
    }
    #map_caption {
    font-size: 11px;
    font-weight: bold;
    }
</style></div>
                        </div>
                </li>
                <li>
                        <h4 data-target="#answer-08f1855f2306409b9774e6080c613674" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">What if I don’t fill out a Schedule F tax form but use some other farm tax form instead?</span>
                        </h4>
                        <div id="answer-08f1855f2306409b9774e6080c613674" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><p>If you didn’t use a Schedule F tax form, you may use the farm tax form you did
complete along with records from your farm, and complete a Substitute Schedule F
form. This will be used, along with your farm plan for the year, to determine
your insured amount of revenue. You must be able to show the AIP the records
used to complete the Substitute Schedule F and they must approve these for the
farm to be eligible.</p>
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    border-width: 1px;
    padding: 8px;
    border-style: solid;
    border-color: #666666;
    text-align: left;
    width: 215px;
    }
    table.subsidy td {
    border-width: 1px;
    padding: 8px;
    border-style: solid;
    border-color: #666666;
    text-align: right;
    }
    table.subsidy tr.alt {
    background-color: #f0f0f0;
    }
    #map_caption {
    font-size: 11px;
    font-weight: bold;
    }
</style></div>
                        </div>
                </li>
                <li>
                        <h4 data-target="#answer-9847bcba596a43328e96a1931ee58b63" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">What if I don’t have five (5) years of historic tax forms available?</span>
                        </h4>
                        <div id="answer-9847bcba596a43328e96a1931ee58b63" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><p>You generally will not qualify to purchase WFRP. However, there are a few
special situations that allow you to qualify even if you don’t have 5 years of
farm tax records:</p>
<ol>
    <li>If you take over at least 90 percent of another operation (see the policy
    for details), and the person who previously farmed the operation will allow you
    to use their historic tax forms and supporting records necessary, you may be
    eligible for WFRP insurance with AIP approval.
    </li>
    <li>If you qualify as a Beginning Farmer or Rancher (BFR) under our procedures,
    you may qualify with fewer years of historic tax forms (see the BFR question):
    or,
    </li>
    <li>If you were physically unable to farm for one of the 5 required historic
    years but were farming the past year, you may qualify; or,
    </li>
    <li>If you are a tax exempt entity (such as a Tribal entity) and have acceptable
    third party records available that can be used to complete Substitute Schedule F
    tax forms for the five year history</li>
</ol>
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    padding: 8px;
    border-style: solid;
    border-color: #666666;
    text-align: left;
    width: 215px;
    }
    table.subsidy td {
    border-width: 1px;
    padding: 8px;
    border-style: solid;
    border-color: #666666;
    text-align: right;
    }
    table.subsidy tr.alt {
    background-color: #f0f0f0;
    }
    #map_caption {
    font-size: 11px;
    font-weight: bold;
    }
</style></div>
                        </div>
                </li>
                <li>
                        <h4 data-target="#answer-333f37269abb41a5aec1552e739650f0" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">Is WFRP available to New and Beginning Farmers and Ranchers, and if not, why?</span>
                        </h4>
                        <div id="answer-333f37269abb41a5aec1552e739650f0" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><p> WFRP has limited availability to new and beginning farmers and ranchers because
five years of farm tax records are important in the underwriting process due to
the lack of available data for many commodities. However, some BFR’s may be
insurable under WFRP:</p>
<ol>
    <li>If they have taken over at least 90 percent of a previous operators
    operation and can use the farm tax records from that previous operator; or
    </li>
    <li>If they have 3 consecutive years of Schedule F or other farm tax forms and
    have farmed during the past year. Either the farm tax forms from the past year
    or records to complete a Substitute Schedule F form or the past year will be
    used to complete farm tax history for a fourth year and then the lowest of the
    four numbers available will be used to complete the five years of history. For
    the 2016 insurance year, tax forms from 2012-2014 are required and you also must
    have farmed during 2015</li>
</ol>
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                </li>
                <li>
                    <h3 style="color: #000000; font-weight: bold;">Losses Under a WFRP Policy</h3>
                    <h5 style="color: #000000; font-weight: bold;"></h5>
                    <p style="color: #000000; font-weight: normal"></p>
                </li>
                <li>
                        <h4 data-target="#answer-3f136a5ec49b43c89e3a2400eb8c820a" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">How and when is a loss paid for WFRP?</span>
                        </h4>
                        <div id="answer-3f136a5ec49b43c89e3a2400eb8c820a" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><p>At the end of the insurance period and after you have filed your farm income
taxes for the insurance year, a loss adjuster will complete an Allowable Revenue
and Allowable Expense Worksheet for the insurance year using your farm tax
forms. First, the allowable expenses will be compared to your approved expenses
to determine if you incurred at least 70 percent of your approved expenses. If
you did not, then your insured revenue will be adjusted downwards by 1 percent
for each percent you are below 70 percent of your approved expenses.</p>
<p>The allowable revenue will be adjusted for inventory adjustments, unharvested
or unsold production, and production you lost for uncovered causes of loss to
determine the revenue-to-count for the year. A loss is paid when the total
revenue-to-count for the insurance year falls below the insured amount of
revenue, multiplied by the expense reduction factor, if applicable.</p>
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                </li>
                <li>
                        <h4 data-target="#answer-fe12c51c0f964ce7a3bdffb5f9db15a8" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">Can an insured participate in the Non-Insured Assistance Program (NAP) as well as WFRP?</span>
                        </h4>
                        <div id="answer-fe12c51c0f964ce7a3bdffb5f9db15a8" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><p>Yes. Producers may participate in both programs; however, the law says that
producers may not receive benefits from both programs. Therefore, producers who
do participate in both programs will be required to choose to receive either the
NAP payment(s) or the WFRP indemnity. Regardless of the choice of benefits, the
producer will be required to pay any premium and administrative costs due for
WFRP as well as any costs incurred to participate in NAP.</p>
<ul>
    <li>For example, if a producer received one or more NAP payments during the year
    that totaled $15,000, and is later due a $25,000 indemnity under WFRP, the
    producer would need to pay back the NAP payments to the Farm Service Agency and
    receive a NAP Repayment Certification to complete the claim requirements under
    WFRP.
    </li>
    <li>If the NAP payments are larger than the WFRP indemnity, the insured can
    choose to withdraw their WFRP claim for an indemnity and accept the NAP
    payment(s). </li>
</ul>
<p>If a NAP payment is made after a WFRP indemnity has been paid and the
producer wishes to accept the NAP payment, the producer must return the WFRP
indemnity.</p>
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                        </div>
                </li>
                <li>
                        <h4 data-target="#answer-cfc5d039c64948b3998c6f5f03415020" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">Are losses due to limited irrigation covered by WFRP?</span>
                        </h4>
                        <div id="answer-cfc5d039c64948b3998c6f5f03415020" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><p> The WFRP policy provides protection for the expected revenue that will be
produced on the farm during the insured year. The insured amount of revenue is
based on the expected farm plan for the insurance year and the historical
revenue produced in the previous five (5) years as shown on the Schedule F farm
tax records. If an input, such as irrigation water, used to produce a commodity
is not available, then the expected revenue of the commodities that will be
impacted by the lack of the input, such as reduced available water, must be
decreased to reflect what can be produced that year. For example, under WFRP
insurance, farms experiencing a reduction or lack of irrigation water, that is
known or apparent prior to when the expected farm plan is submitted, must reduce
the amount of acreage to be grown under the irrigated practice or, if irrigation
water is no longer available, record the commodities as a non-irrigated practice
with appropriately reduced yields on the Intended Farm Operation Report.</p>
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