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        <span class="visible-sm-block visible-md-block visible-xs-block">Okla.</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/RMALocal/Oregon" target="" title="Oregon Main Menu Link">
        <span class="visible-lg-block">Oregon</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Ore.</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/RMALocal/Pennsylvania" target="" title="Pennsylvania Main Menu Link">
        <span class="visible-lg-block">Pennsylvania</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Pa.</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/RMALocal/Puerto-Rico" target="" title="Puerto Rico Main Menu Link">
        <span class="visible-lg-block">Puerto Rico</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">P.R.</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/RMALocal/Rhode-Island" target="" title="Rhode Island Main Menu Link">
        <span class="visible-lg-block">Rhode Island</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">R.I.</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/RMALocal/South-Carolina" target="" title="South Carolina Main Menu Link">
        <span class="visible-lg-block">South Carolina</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">S.C.</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/RMALocal/South-Dakota" target="" title="South Dakota Main Menu Link">
        <span class="visible-lg-block">South Dakota</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">S.D.</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/RMALocal/Tennessee" target="" title="Tennessee Main Menu Link">
        <span class="visible-lg-block">Tennessee</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Tenn.</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/RMALocal/Texas" target="" title="Texas Main Menu Link">
        <span class="visible-lg-block">Texas</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Tex.</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/RMALocal/Utah" target="" title="Utah Main Menu Link">
        <span class="visible-lg-block">Utah</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Utah</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/RMALocal/Vermont" target="" title="Vermont Main Menu Link">
        <span class="visible-lg-block">Vermont</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Vt.</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/RMALocal/Virginia" target="" title="Virginia Main Menu Link">
        <span class="visible-lg-block">Virginia</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Va.</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/RMALocal/Washington" target="" title="Washington Main Menu Link">
        <span class="visible-lg-block">Washington</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Wash.</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/RMALocal/West-Virginia" target="" title="West Virginia Main Menu Link">
        <span class="visible-lg-block">West Virginia</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">W.Va.</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/RMALocal/Wisconsin" target="" title="Wisconsin Main Menu Link">
        <span class="visible-lg-block">Wisconsin</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Wis.</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/RMALocal/Wyoming" target="" title="Wyoming Main Menu Link">
        <span class="visible-lg-block">Wyoming</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Wyo.</span>
    </a>

                                                        </li>
                                                </ul>
                                            </div>
                                        </li>
                            </ul>
                        </li>
                        <!-- Had to put class names in strings so that IE would recognize all of them /smh -->
<li class="mainnav-dropdown dropdown ">
                            <a href="/Commodity" class="dropdown-toggle" data-toggle="dropdown" role="button" aria-haspopup="true" aria-expanded="false">Commodities <span class="caret"></span></a>
                            <ul class="mainnav-dropdownlist dropdown-menu " role="menu">
                                <!-- megamenu-fw-->
                                <!-- wrapperClass-->
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Commodity" target="" title="Lookup Commodity Main Menu Link">
        <span>Lookup Commodity</span>
    </a>

                                        </li>
                            </ul>
                        </li>
                        <!-- Had to put class names in strings so that IE would recognize all of them /smh -->
<li class="mainnav-dropdown dropdown megamenu-fw">
                            <a href="/" class="dropdown-toggle" data-toggle="dropdown" role="button" aria-haspopup="true" aria-expanded="false">Tools <span class="caret"></span></a>
                            <ul class="mainnav-dropdownlist dropdown-menu megamenu-content" role="menu">
                                <!-- megamenu-fw-->
                                <!-- wrapperClass-->
                                        <li class="">
                                            <div class="">
                                                <ul class="innerDropDown popular-tools  ">
                                                    <!-- insert if table layout-->
                                                        <li class="center-block">
                                                            
    <a href="/Information-Tools/Summary-of-Business" target="" title="Summary of Business Main Menu Link">
        <div class="imageSet">
            <img class="center-block  " src="/-/media/RMA/Images/Icons/icon-sob.ashx" alt="Menu Icon" />
        </div>
        <div>
            <span class="visible-lg-block">Summary of Business</span>
            <span class="visible-sm-block visible-md-block visible-xs-block">SOB</span>
        </div>
    </a>

                                                        </li>
                                                        <li class="center-block">
                                                            
    <a href="/Information-Tools/Agent-Locator" target="" title="Agent Locator Main Menu Link">
        <div class="imageSet">
            <img class="center-block  " src="/-/media/RMA/Images/Icons/icon-al.ashx" alt="Menu Icon" />
        </div>
        <div>
            <span class="visible-lg-block">Agent Locator</span>
            <span class="visible-sm-block visible-md-block visible-xs-block">Agent Locator</span>
        </div>
    </a>

                                                        </li>
                                                        <li class="center-block">
                                                            
    <a href="https://webapp.rma.usda.gov/apps/actuarialinformationbrowser/" target="" title="Actuarial Info Browser Main Menu Link">
        <div class="imageSet">
            <img class="center-block  " src="/-/media/RMA/Images/Icons/icon-aib.ashx" alt="Menu Icon" />
        </div>
        <div>
            <span class="visible-lg-block">Actuarial Info Browser</span>
            <span class="visible-sm-block visible-md-block visible-xs-block">AIB</span>
        </div>
    </a>

                                                        </li>
                                                        <li class="center-block">
                                                            
    <a href="https://public-rma.fpac.usda.gov/apps/MapViewer/index.html" target="_blank" title="RMA Map Viewer Main Menu Link">
        <div class="imageSet">
            <img class="center-block  " src="/-/media/RMA/Images/Icons/icon-cidt.ashx" alt="Menu Icon" />
        </div>
        <div>
            <span class="visible-lg-block">RMA Map Viewer</span>
            <span class="visible-sm-block visible-md-block visible-xs-block">RMA Map Viewer</span>
        </div>
    </a>

                                                        </li>
                                                        <li class="center-block">
                                                            
    <a href="https://ewebapp.rma.usda.gov/apps/costestimator/" target="_blank" title="Cost Estimator Main Menu Link">
        <div class="imageSet">
            <img class="center-block  " src="/-/media/RMA/Images/Icons/icon-ce.ashx" alt="Menu Icon" />
        </div>
        <div>
            <span class="visible-lg-block">Cost Estimator</span>
            <span class="visible-sm-block visible-md-block visible-xs-block">Cost Est</span>
        </div>
    </a>

                                                        </li>
                                                </ul>
                                            </div>
                                        </li>
                                        <li class="">
                                            <div class="">
                                                <ul class="innerDropDown multi-column-dropdown listncol tools ">
                                                    <!-- insert if table layout-->
                                                        <li class="">
                                                            
    <a href="https://webapp.rma.usda.gov/apps/actuarialinformationbrowser/" target="_blank" title="Actuarial Information Browser Main Menu Link">
        <span class="visible-lg-block">Actuarial Information Browser</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">AIB</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/Information-Tools/Agent-Locator" target="" title="Agent Locator Main Menu Link">
        <span>Agent Locator</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="https://public-rma.fpac.usda.gov/AipListing" target="" title="AIP Companies Main Menu Link">
        <span>AIP Companies</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/Information-Tools/Associated-Agencies-and-Partners" target="" title="Associated Agencies and Partners Main Menu Link">
        <span>Associated Agencies and Partners</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/Information-Tools/Summary-of-Business/Cause-of-Loss" target="" title="Cause of Loss Main Menu Link">
        <span class="visible-lg-block">Cause of Loss</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Cause of Loss</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="https://ewebapp.rma.usda.gov/apps/costestimator/" target="_blank" title="Cost Estimator Main Menu Link">
        <span>Cost Estimator</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="https://public-rma.fpac.usda.gov/apps/MapViewer/index.html" target="" title="County Programs Main Menu Link">
        <span class="visible-lg-block">County Programs</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">County Programs</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/Information-Tools/Crop-Indemnity-Maps" target="" title="Crop Indemnity Maps Main Menu Link">
        <span>Crop Indemnity Maps</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/Information-Tools/Crop-Weather" target="" title="Crop Weather Main Menu Link">
        <span class="visible-lg-block">Crop Weather</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Crop Weather</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="https://pubfs-rma.fpac.usda.gov/" target="_blank" title="FTP File Access Main Menu Link">
        <span class="visible-lg-block">FTP File Access</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">FTP</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/Information-Tools/Summary-of-Business/Livestock-and-Dairy-Participation" target="" title="Livestock and Dairy Participation Main Menu Link">
        <span class="visible-lg-block">Livestock and Dairy Participation</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Livestock and Dairy Participation</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/Information-Tools/Livestock-Reports" target="" title="Livestock Reports (LRP and LGM) Main Menu Link">
        <span class="visible-lg-block">Livestock Reports (LRP and LGM)</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Livestock Reports</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/Information-Tools/Nursery-Inventory-Software-EPLPPS" target="" title="Nursery Software (EPLPPS) Main Menu Link">
        <span class="visible-lg-block">Nursery Software (EPLPPS)</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Nursery Software</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/Information-Tools/Other-Sites" target="" title="Other Sites Main Menu Link">
        <span class="visible-lg-block">Other Sites</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Other Sites</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="https://prodwebnlb.rma.usda.gov/apps/prf " target="_blank" title="PRF Rainfall Main Menu Link">
        <span>PRF Rainfall</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="http://prodwebnlb.rma.usda.gov/apps/PriceDiscovery" target="_blank" title="Price Discovery Reporting Main Menu Link">
        <span>Price Discovery Reporting</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/Information-Tools/Reinsurance-Reports" target="" title="Reinsurance Reports Main Menu Link">
        <span class="visible-lg-block">Reinsurance Reports</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Reinsurance</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="https://webapp.rma.usda.gov/apps/RIRS/" target="_blank" title="RMA Information Reporting System Main Menu Link">
        <span class="visible-lg-block">RMA Information Reporting System</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">RIRS</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="https://public-rma.fpac.usda.gov/apps/MapViewer/index.html" target="_blank" title="RMA Map Viewer Main Menu Link">
        <span class="visible-lg-block">RMA Map Viewer</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Map Viewer</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/Information-Tools/Summary-of-Business" target="" title="Summary of Business Reports Main Menu Link">
        <span class="visible-lg-block">Summary of Business Reports</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">SOB</span>
    </a>

                                                        </li>
                                                </ul>
                                            </div>
                                        </li>
                            </ul>
                        </li>
                        <!-- Had to put class names in strings so that IE would recognize all of them /smh -->
<li class="mainnav-dropdown dropdown ">
                            <a href="/Topics" class="dropdown-toggle" data-toggle="dropdown" role="button" aria-haspopup="true" aria-expanded="false">Topics <span class="caret"></span></a>
                            <ul class="mainnav-dropdownlist dropdown-menu " role="menu">
                                <!-- megamenu-fw-->
                                <!-- wrapperClass-->
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Beginning-or-Veteran-Farmers-and-Ranchers" target="" title="Beginning or Veteran Farmers and Ranchers Main Menu Link">
        <span class="visible-lg-block">Beginning or Veteran Farmers and Ranchers</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Beginning or Veteran Farmers and Ranchers</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Civil-Rights" target="" title="Civil Rights Main Menu Link">
        <span class="visible-lg-block">Civil Rights</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Civil Rights</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Compliance-Information" target="" title="Compliance Information Main Menu Link">
        <span class="visible-lg-block">Compliance Information</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Compliance Information</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Conservation" target="" title="Conservation Main Menu Link">
        <span class="visible-lg-block">Conservation</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Conservation</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Controlled-Environment" target="" title="Controlled Environment Main Menu Link">
        <span class="visible-lg-block">Controlled Environment</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Controlled Environment</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Cover-Crops" target="" title="Cover Crops Main Menu Link">
        <span class="visible-lg-block">Cover Crops</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Cover Crops</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Double-Cropping-Initiative" target="" title="Double Cropping Initiative Main Menu Link">
        <span class="visible-lg-block">Double Cropping Initiative</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Double Cropping Initiative</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Farm-Bill" target="" title="Farm Bill Main Menu Link">
        <span class="visible-lg-block">Farm Bill</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Farm Bill</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Frequently-Asked-Questions" target="" title="Frequently Asked Questions Main Menu Link">
        <span class="visible-lg-block">Frequently Asked Questions</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Frequently Asked Questions</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Hemp" target="" title="Hemp Main Menu Link">
        <span class="visible-lg-block">Hemp</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Hemp</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Hurricane-Insurance-Protection-Wind-Index" target="" title="Hurricane Insurance Protection - Wind Index Main Menu Link">
        <span class="visible-lg-block">Hurricane Insurance Protection - Wind Index</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Hurricane Insurance Protection - Wind Index</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Insurance-Cycle" target="" title="Insurance Cycle Main Menu Link">
        <span class="visible-lg-block">Insurance Cycle</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Insurance Cycle</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Insurance-Resources" target="" title="Insurance Resources Main Menu Link">
        <span class="visible-lg-block">Insurance Resources</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Insurance Resources</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Lamb-Data-Gathering-Listening-Sessions" target="" title="Lamb Data Gathering Listening Sessions Main Menu Link">
        <span class="visible-lg-block">Lamb Data Gathering Listening Sessions</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Lamb Data Gathering Listening Sessions</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Livestock-Insurance-Plans" target="" title="Livestock Insurance Plans Main Menu Link">
        <span class="visible-lg-block">Livestock Insurance Plans</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Livestock Insurance Plans</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Livestock-Roadshow" target="" title="Livestock Roadshow Main Menu Link">
        <span class="visible-lg-block">Livestock Roadshow</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Livestock Roadshow</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Manage-Your-Farm-Risk" target="" title="Manage Your Farm Risk Main Menu Link">
        <span class="visible-lg-block">Manage Your Farm Risk</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Manage Your Farm Risk</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/National-Fact-Sheets" target="" title="National Fact Sheets Main Menu Link">
        <span class="visible-lg-block">National Fact Sheets</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">National Fact Sheets</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Nursery" target="" title="Nursery Main Menu Link">
        <span class="visible-lg-block">Nursery</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Nursery</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Organic-Crops" target="" title="Organic Crops Main Menu Link">
        <span class="visible-lg-block">Organic Crops</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Organic Crops</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Outreach-and-Education" target="" title="Outreach and Education Main Menu Link">
        <span class="visible-lg-block">Outreach and Education</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Outreach and Education</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Prevented-Planting" target="" title="Prevented Planting Main Menu Link">
        <span class="visible-lg-block">Prevented Planting</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Prevented Planting</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Producer-Obligations-and-Expectations" target="" title="Producer Obligations and Expectations Main Menu Link">
        <span class="visible-lg-block">Producer Obligations and Expectations</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Producer Obligations and Expectations</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Publications" target="" title="Publications Main Menu Link">
        <span class="visible-lg-block">Publications</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Publications</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Reinsurance-Agreements" target="" title="Reinsurance Agreements Main Menu Link">
        <span class="visible-lg-block">Reinsurance Agreements</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Reinsurance Agreements</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/RMA-2023-Accomplishments" target="" title="RMA 2023 Accomplishments Main Menu Link">
        <span class="visible-lg-block">RMA 2023 Accomplishments</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">RMA 2023 Accomplishments</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Shellfish" target="" title="Shellfish Main Menu Link">
        <span class="visible-lg-block">Shellfish</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Shellfish</span>
    </a>

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            <h1>

                Enhanced Coverage Option (ECO)
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                        <h4 data-target="#answer-5f32e636d96d4ce1966aea56197b55c2" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">What is the Enhanced Coverage Option?</span>
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                        <div id="answer-5f32e636d96d4ce1966aea56197b55c2" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer">Enhanced Coverage Option (ECO) is a new multiple peril crop insurance (MPCI) option that provides area-based coverage for a portion of your underlying policy’s deductible in a manner similar to the Supplemental Coverage Option (SCO). It uses the same expected and final area yields, projected and harvest prices, and payment factors as SCO, but covers a band from 86 percent (where SCO coverage triggers) up to 90 or 95 percent of expected crop value. Like SCO, ECO is based on your underlying policy plan of insurance.</div>
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                        <h4 data-target="#answer-7da83a4707164517ac33d086a77afbbc" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">What is required to purchase ECO?</span>
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                        <div id="answer-7da83a4707164517ac33d086a77afbbc" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer">ECO must be purchased as an endorsement to the Yield Protection, Revenue Protection, Revenue Protection with the Harvest Price Exclusion, Actual Production History, or Yield Based Dollar Amount of Insurance policy.</div>
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                        <h4 data-target="#answer-8d9b787d172746089da67ac8190f1246" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">How does ECO work compared to other crop insurance policies?</span>
                        </h4>
                        <div id="answer-8d9b787d172746089da67ac8190f1246" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><p>ECO follows the coverage of your underlying policy. If you choose Yield Protection, then ECO covers yield loss. If you choose Revenue Protection, then ECO covers revenue loss.</p>
<p>The amount of ECO protection depends on the expected crop value, which is based on the liability and coverage level for your underlying policy. However, ECO differs from the underlying policy in how a loss payment is triggered. The underlying policy pays a loss on an individual unit basis and an indemnity is triggered when you have an individual loss in yield or revenue. ECO pays a loss on an area basis (generally county), and an indemnity is triggered when there is an area-level loss in yield or revenue.  </p></div>
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                        <h4 data-target="#answer-bcc3cae4e4574990bdb32ce9da944d9b" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">When does a loss become payable under ECO?</span>
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                        <div id="answer-bcc3cae4e4574990bdb32ce9da944d9b" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><p>ECO begins to pay (triggers) when county average yield or revenue falls below 90 or 95 percent of the expected level depending on which ECO trigger you select. The full amount of the ECO coverage is paid when the county revenue or yield falls to 86 percent of expected county revenue or yield. The following table demonstrates coverage ranges when you chose the 75 percent coverage level for the underlying policy.</p>
<table width="100%" style="border: medium; border-image: none; width: 100%;" border="1" cellspacing="0" cellpadding="0">
    <tbody>
        <tr>
            <td valign="top" style="border-width: medium medium 1pt; border-style: none none solid; padding: 0px; width: 46.6%; text-align: left;" colspan="2">
            <p style="margin: 0px; text-align: center;"><strong><span>Example 1: 95% ECO Trigger</span></strong></p>
            </td>
            <td valign="top" style="border-width: medium; border-style: none; padding: 0px; width: 4.54%; text-align: left;">
            <p> </p>
            </td>
            <td valign="top" style="border-width: medium medium 1pt; border-style: none none solid; padding: 0px; width: 48.86%; text-align: left;" colspan="2">
            <p style="margin: 0px; text-align: center;"><strong><span>Example 2: 90% ECO Trigger</span></strong></p>
            </td>
        </tr>
        <tr>
            <td style="border-width: medium 1pt 1pt; border-style: none solid solid; padding: 0px; width: 32.96%; text-align: left;">
            <p style="margin: 0px; text-align: center;">Deductible (no coverage)</p>
            </td>
            <td style="background: red; border-width: medium 1pt 1pt medium; border-style: none solid solid none; padding: 0px; width: 13.64%; text-align: left;">
            <p style="margin: 0px; text-align: center;"><span style="color: black;">100-95%</span></p>
            </td>
            <td style="border-width: medium 1pt medium medium; border-style: none solid none none; padding: 0px; width: 4.54%; text-align: left;">
            <p> </p>
            </td>
            <td style="border-width: medium 1pt 1pt medium; border-style: none solid solid none; padding: 0px; width: 32.96%; text-align: left;">
            <p style="margin: 0px; text-align: center;"><span>Deductible (no coverage)</span></p>
            </td>
            <td style="background: red; border-width: 1pt 1pt 1pt medium; border-style: solid solid solid none; padding: 0px; width: 15.9%; text-align: left;">
            <p style="margin: 0px; text-align: center;"><span style="color: black;">100-90%</span></p>
            </td>
        </tr>
        <tr style="height: 15.7pt;">
            <td style="border-width: medium 1pt 1pt; border-style: none solid solid; padding: 0px; width: 32.96%; height: 15.7pt; text-align: left;">
            <p style="margin: 0px; text-align: center;"><span>ECO coverage range</span></p>
            </td>
            <td style="background: #00b050; border-width: medium 1pt 1pt medium; border-style: none solid solid none; padding: 0px; width: 13.64%; height: 15.7pt; text-align: left;">
            <p style="margin: 0px; text-align: center;"><span style="color: black;">9<span style="background: #00b050;">5</span>-86%</span></p>
            </td>
            <td style="border-width: medium 1pt medium medium; border-style: none solid none none; padding: 0px; width: 4.54%; height: 15.7pt; text-align: left;">
            <p> </p>
            </td>
            <td style="border-width: medium 1pt 1pt medium; border-style: none solid solid none; padding: 0px; width: 32.96%; height: 15.7pt; text-align: left;">
            <p style="margin: 0px; text-align: center;"><span>ECO coverage range</span></p>
            </td>
            <td style="background: #00b050; border-width: medium 1pt 1pt medium; border-style: none solid solid none; padding: 0px; width: 15.9%; height: 15.7pt; text-align: left;">
            <p style="margin: 0px; text-align: center;"><span style="color: black;">90-86%</span></p>
            </td>
        </tr>
        <tr style="height: 17.5pt;">
            <td style="border-width: medium 1pt 1pt; border-style: none solid solid; padding: 0px; width: 32.96%; height: 17.5pt; text-align: left;">
            <p style="margin: 0px; text-align: center;"><span>SCO or ARC coverage range</span></p>
            </td>
            <td style="background: yellow; border-width: medium 1pt 1pt medium; border-style: none solid solid none; padding: 0px; width: 13.64%; height: 17.5pt; text-align: left;">
            <p style="margin: 0px; text-align: center;"><span style="color: black;">86-75%</span></p>
            </td>
            <td style="border-width: medium 1pt medium medium; border-style: none solid none none; padding: 0px; width: 4.54%; height: 17.5pt; text-align: left;">
            <p> </p>
            </td>
            <td style="border-width: medium 1pt 1pt medium; border-style: none solid solid none; padding: 0px; width: 32.96%; height: 17.5pt; text-align: left;">
            <p style="margin: 0px; text-align: center;"><span>SCO or ARC coverage range</span></p>
            </td>
            <td style="background: yellow; border-width: medium 1pt 1pt medium; border-style: none solid solid none; padding: 0px; width: 15.9%; height: 17.5pt; text-align: left;">
            <p style="margin: 0px; text-align: center;"><span style="color: black;">86-75%</span></p>
            </td>
        </tr>
        <tr style="height: 12.1pt;">
            <td style="border-width: medium 1pt 1pt; border-style: none solid solid; margin: 0px; padding: 0px; width: 32.96%; height: 12.1pt; text-align: left;">
            <p style="margin: 0px; text-align: center;"><span>MPCI coverage range</span></p>
            </td>
            <td style="background: #00b0f0; border-width: medium 1pt 1pt medium; border-style: none solid solid none; padding: 0px; width: 13.64%; height: 12.1pt; text-align: left;">
            <p style="margin: 0px; text-align: center;"><span style="color: black;">75%</span></p>
            </td>
            <td style="border-width: medium 1pt medium medium; border-style: none solid none none; padding: 0px; width: 4.54%; height: 12.1pt; text-align: left;">
            <p> </p>
            </td>
            <td style="border-width: medium 1pt 1pt medium; border-style: none solid solid none; padding: 0px; width: 32.96%; height: 12.1pt; text-align: left;">
            <p style="margin: 0px; text-align: center;"><span>MPCI coverage range</span></p>
            </td>
            <td style="background: #00b0f0; border-width: medium 1pt 1pt medium; border-style: none solid solid none; padding: 0px; width: 15.9%; height: 12.1pt; text-align: left;">
            <p style="margin: 0px; text-align: center;"><span style="color: black;">75%</span></p>
            </td>
        </tr>
    </tbody>
</table></div>
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                <li>
                        <h4 data-target="#answer-208e28bb1a1e4b08adce2b3c4f3d8210" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">Must there be a loss on my underlying policy before I can collect an ECO indemnity?</span>
                        </h4>
                        <div id="answer-208e28bb1a1e4b08adce2b3c4f3d8210" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer">ECO payments are determined only by county average revenue or yield and are not affected by whether you receive a payment from your underlying policy. It is possible to experience an individual loss, but not receive an ECO payment, or vice-versa.</div>
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                        <h4 data-target="#answer-42274a7b5cc84f5e90c41574a8223982" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">How does ECO coverage work?</span>
                        </h4>
                        <div id="answer-42274a7b5cc84f5e90c41574a8223982" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer">ECO coverage provides additional area-based protection above your underlying individual coverage. For example, suppose you purchase Revenue Protection for a corn crop with a 75 percent coverage level and you have also elected ECO. This crop has an expected crop value of $765.00 per acre, thus the liability on the underlying policy is $573.75 per acre ($765.00 x 0.75). This underlying policy leaves 25 percent (or $191.25) uncovered as a deductible. The dollar amount of ECO coverage is based on the trigger level you that you select. In this example, there are 9 percentage points of coverage (from 95 percent to 86 percent). Nine percent of the expected crop value is $68.85 (or 9 percent x $765.00). ECO may cover up to $68.85 of the $191.25 deductible amount not covered by your underlying policy. You may purchase SCO coverage for a portion of the remaining $122.40 of deductible.</div>
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                        <h4 data-target="#answer-a0e28fb1bfb14c6d80569e195bc3ea03" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">How much does ECO cost?</span>
                        </h4>
                        <div id="answer-a0e28fb1bfb14c6d80569e195bc3ea03" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer">The exact premium cost depends on the crop, county, type of coverage you choose (such as Yield Protection or Revenue Protection), the price discovered for your commodity, the volatility of the market in the last five days of the projected price discovery period (for revenue-based plans) and the trigger level of 90 or 95 percent. The Federal Government pays 51 percent subsidy for Yield Protection and 44 percent for Revenue Protection. Premium rates are generally released in November of each year for spring crops. As a general rule of thumb, the premiums for ECO will be similar to other area plans sold at the same coverage levels in your county. You should talk with your crop insurance agent for more information.</div>
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                        <h4 data-target="#answer-c8b3c841ca954a5dba480387caa558c8" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">What happens if I select ECO and also sign up for ARC?</span>
                        </h4>
                        <div id="answer-c8b3c841ca954a5dba480387caa558c8" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer">Your choice of ARC has no impact of your eligibility for ECO. If you elect ECO and ARC for the same crop on a farm, your ECO coverage for that crop on that farm will be unaffected.</div>
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                        <h4 data-target="#answer-21e06819013f4cc887f13e9cc6080e5a" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">Are organic types insurable under ECO?</span>
                        </h4>
                        <div id="answer-21e06819013f4cc887f13e9cc6080e5a" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer">ECO will be made available for the same types and practices insurable under SCO. In most counties, and for many commodities, this includes offers for organic production. Your agent can help you discover if organic types are insurable in your county.</div>
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                        <h4 data-target="#answer-6f0fa9aa408b47e892a58d21e27ed07d" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">Do I have to purchase ECO and my underlying coverage from the same AIP?</span>
                        </h4>
                        <div id="answer-6f0fa9aa408b47e892a58d21e27ed07d" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer">Yes. ECO is treated as an endorsement to your underlying individual coverage and therefore must be purchased from the same AIP.</div>
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                        <h4 data-target="#answer-8eede26d17504294aad71697da8cd836" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">May I purchase ECO with an Area-Based Plan of Insurance?</span>
                        </h4>
                        <div id="answer-8eede26d17504294aad71697da8cd836" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer">No. Farmers who buy ECO may not buy Area Risk Protection Insurance (ARPI), Stacked Income Protection Policy (STAX), Hurricane Insurance Protection – Wind Index Endorsement (HIP-WI), or Margin Protection (MP) on the same acre in the same year. Producers may choose to purchase SCO on acres that are insured under ECO, but are not required to do so. ECO and SCO are not mutually exclusive because their bands of coverage do not overlap.</div>
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                        <h4 data-target="#answer-c7ba8155485748368856cb221f2fc791" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">When can I expect indemnities to be paid for ECO?</span>
                        </h4>
                        <div id="answer-c7ba8155485748368856cb221f2fc791" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer">ECO indemnities are based, in part, on final county yields. These yields are calculated by RMA based on producer Acreage and Production Reports. Based on extended reporting periods, and similar to SCO and other area plans, final yield data are not available until the summer of the year following harvest. Final reporting dates for production from the preceding crop year vary by crop and county.</div>
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                        <h4 data-target="#answer-65d8f82aa3d64661b6cb496c8b84ec43" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">Wheat is on the list of crops for ECO, but the sales closing date has already past for winter wheat in my county. How will spring wheat work for ECO for 2021? </span>
                        </h4>
                        <div id="answer-65d8f82aa3d64661b6cb496c8b84ec43" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer">ECO will be available for spring wheat in your county if spring wheat is the only type available in the county and it has a spring SCD. If both spring wheat and winter wheat types are insurable in your county, or if your county only offers coverage for winter wheat, ECO will not be offered for CY 2021, because the winter type CCD had already passed at the time of ECO implementation. For CY 2022, both spring and winter wheat types will be offered ECO coverage.</div>
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                        <h4 data-target="#answer-946072e8f43d4c5988f76185b8efd49a" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">How does ECO interact with the High-Risk Land Exclusion Option and HR-ACE coverage?</span>
                        </h4>
                        <div id="answer-946072e8f43d4c5988f76185b8efd49a" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer">Any high-risk acreage excluded from an underlying policy under the High-Risk Land Exclusion Option or insured under a CAT policy is not insured under ECO for that policy. When high-risk acreage is insured under a separate policy by the HR-ACE, ECO must be elected on the HR-ACE policy when the insured elects ECO on the base policy.</div>
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                        <h4 data-target="#answer-86f18f49034f47e3a3bf7e29326cf896" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">Can I adjust the amount of ECO coverage I buy to reduce my premiums?</span>
                        </h4>
                        <div id="answer-86f18f49034f47e3a3bf7e29326cf896" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer">Yes. ECO offers farmers two ways of electing variants of coverage with lower premiums. First, you may elect a 90% coverage level, which will generally have a premium substantially less than half the premium of the 95% coverage level. Second, you may elect a coverage percentage that is less than 100%. In effect, you are prorating the amount of indemnity that will be received in the event of a loss and prorating the amount of premium due. Coverage factor does not change the chosen ECO trigger level.</div>
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