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        <span class="visible-lg-block">Oklahoma</span>
        <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>

                Biotech Yield Endorsement
                    <br /><small>Jan 5, 2010</small>
            </h1>
            <div class="rteContainer">
            <p>Note: For 2009-12, see the <a title="Link opens in new window" href="https://legacy.rma.usda.gov/policies/bye.html" target="_blank">Biotechnology Endorsement</a> page. </p>
<p>On Sep 12, 2007, the Federal Crop Insurance Corporation (FCIC) Board of Directors (Board) approved a Biotech Yield Endorsement (BYE) pilot program submitted under section 523(d) of the Federal Crop Insurance Act (Act). RMA has received a number of questions regarding the pilot BYE:</p>
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        <a class="btn btn-default btn-expand-collapse hidden-print" role="button">Expand All</a>
    <ul class="qa">
                <li>
                        <h4 data-target="#answer-ea069a0a00f645d58ab4515a15432a82" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">What is the pilot BYE?</span>
                        </h4>
                        <div id="answer-ea069a0a00f645d58ab4515a15432a82" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><span style="text-align: left; color: #000000; letter-spacing: normal; text-decoration: none; background-color: transparent;">The pilot BYE allows eligible producers to receive a premium rate reduction for planted corn on a unit-by-unit basis.</span></div>
                        </div>
                </li>
                <li>
                        <h4 data-target="#answer-fbd84d57b90242c49b2839e3d5a9aca1" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">Why does the pilot BYE qualify for the premium rate reduction?</span>
                        </h4>
                        <div id="answer-fbd84d57b90242c49b2839e3d5a9aca1" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><span style="text-align: left; color: #000000; letter-spacing: normal; text-decoration: none; background-color: transparent;">The Monsanto Company, as a co-submitter of the Pilot BYE, has demonstrated that its specific triple-stack genetic traits, when used in combination, provide lower yield risk as compared to non-traited hybrids. The triple-stack genetics protect against: (1) above ground lepidopteran pests (for example, moths, and their larvae); (2) below ground corn rootworm damage; and (3) weeds via spraying of glyphosate (for example, Round-up). </span></div>
                        </div>
                </li>
                <li>
                        <h4 data-target="#answer-1be6d1c942b345c292ccbad8087cfa75" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">When is the pilot BYE available?</span>
                        </h4>
                        <div id="answer-1be6d1c942b345c292ccbad8087cfa75" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><span style="text-align: left; color: #000000; letter-spacing: normal; text-decoration: none; background-color: transparent;">The pilot BYE is available for the 2008 crop year. The pilot Biotechnology Endorsement is available for the 2009 through 2011 crop years, unless cancelled or extended by FCIC. </span></div>
                        </div>
                </li>
                <li>
                        <h4 data-target="#answer-d6d968539fc14addb4fd989d3f39e74d" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">Are there any eligibility requirements for producers to receive the lower premium rate?</span>
                        </h4>
                        <div id="answer-d6d968539fc14addb4fd989d3f39e74d" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer">The main requirements are that producers will be required to purchase an individual yield or revenue insurance plan (APH, <a title="Link opens in new window" href="https://legacy.rma.usda.gov/policies/ra.html" target="_blank">RA</a>, or <a title="Link opens in new window" href="https://legacy.rma.usda.gov/policies/crc.html" target="_blank">CRC</a>) at a buy-up level of coverage, and at least 75 percent of their total insured corn acres planted in a unit must be non-irrigated corn for grain planted to a corn hybrid containing Monsanto triple-stack genetics. However, producers are still subject to current EPA refuge requirements.</div>
                        </div>
                </li>
                <li>
                        <h4 data-target="#answer-dc304df73455482293cc85598ce4760d" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">Where is the BYE pilot program available?</span>
                        </h4>
                        <div id="answer-dc304df73455482293cc85598ce4760d" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><p style="margin: 6px 0px 8px; text-align: left; color: #000000; letter-spacing: normal; text-decoration: none; background-color: transparent;">The BYE was available for non-irrigated corn in all counties in Illinois, Indiana, Iowa, and Minnesota. </p>
<span style="text-align: left; color: #000000; letter-spacing: normal; text-decoration: none; background-color: #ffffff;"> </span>
<p style="margin: 6px 0px 8px; text-align: left; color: #000000; letter-spacing: normal; text-decoration: none; background-color: transparent;">Potential expansion in subsequent years to additional states or other crops will be subject to future submissions supported by adequate research, empirical evidence, and analysis, and be subject to Board review and approval.</p></div>
                        </div>
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                <li>
                        <h4 data-target="#answer-6fa48bc0d1db458a9c1d051ca32a3df7" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">Who offers the premium discount?</span>
                        </h4>
                        <div id="answer-6fa48bc0d1db458a9c1d051ca32a3df7" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><p style="margin: 6px 0px 8px; text-align: left; color: #000000; letter-spacing: normal; text-decoration: none; background-color: transparent;">Western Agricultural Insurance Company was a co-submitter of the pilot BYE and is making it available in the above listed states, but any approved insurance provider (AIP) authorized to sell and service Federal crop insurance in the approved states can elect to offer the pilot BYE premium rate reduction to a producer if all eligibility criteria are met. </p>
<span style="text-align: left; color: #000000; letter-spacing: normal; text-decoration: none; background-color: #ffffff;"> </span>
<p style="margin: 6px 0px 8px; text-align: left; color: #000000; letter-spacing: normal; text-decoration: none; background-color: transparent;">All AIPs have indicated they will offer the pilot BYE for the 2008 crop year.</p></div>
                        </div>
                </li>
                <li>
                        <h4 data-target="#answer-f068b1a43d044a7f87fa4f7c31d4863b" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">How much is the premium rate reduction?</span>
                        </h4>
                        <div id="answer-f068b1a43d044a7f87fa4f7c31d4863b" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><p style="margin: 6px 0px 8px; text-align: left; color: #000000; letter-spacing: normal; text-decoration: none; background-color: transparent;">The average premium rate reduction for coverage levels in the range of 70 to 75 percent (the most common in the pilot area) is around 20 percent under the actual production history (APH) plan of insurance, which insures only yield risk.</p>
<span style="text-align: left; color: #000000; letter-spacing: normal; text-decoration: none; background-color: #ffffff;"> </span>
<p style="margin: 6px 0px 8px; text-align: left; color: #000000; letter-spacing: normal; text-decoration: none; background-color: transparent;">For producers with revenue policies, the premium rate reduction would be less because the yield risk accounts for only a portion of the total risk and total premium rate. </p>
<span style="text-align: left; color: #000000; letter-spacing: normal; text-decoration: none; background-color: #ffffff;"> </span>
<p style="margin: 6px 0px 8px; text-align: left; color: #000000; letter-spacing: normal; text-decoration: none; background-color: transparent;">The average reduction in premium rates across the entire book of business in the pilot area is likely to be about 13 percent when considering all policies. The reduction will range higher for lower coverage level policies and vice versa for higher coverage level policies.</p>
<p style="margin: 6px 0px 8px; text-align: left; color: #000000; letter-spacing: normal; text-decoration: none; background-color: transparent;"> </p></div>
                        </div>
                </li>
                <li>
                        <h4 data-target="#answer-a877751aa5b94139b56981b195d2ddea" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">Will the premium discount be the same every year?</span>
                        </h4>
                        <div id="answer-a877751aa5b94139b56981b195d2ddea" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><span style="text-align: left; color: #000000; letter-spacing: normal; text-decoration: none; background-color: transparent;">Each year the premium discount will be reviewed and recalculated, as appropriate, based upon additional field test data from Monsanto and loss data collected by RMA. </span></div>
                        </div>
                </li>
                <li>
                        <h4 data-target="#answer-3a7f2c7fbb1a48f5ba5060a8960f0ad3" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">How do producers sign up for the pilot BYE premium rate reduction?</span>
                        </h4>
                        <div id="answer-3a7f2c7fbb1a48f5ba5060a8960f0ad3" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><span style="text-align: left; color: #000000; letter-spacing: normal; text-decoration: none; background-color: transparent;">All approved insurance providers who elect to offer the pilot BYE will notify their insureds of its availability and the eligibility criteria. If all eligibility criteria are met, the producer will automatically qualify for the premium rate reduction. This determination will be made at acreage reporting time. However, insureds will be subject to spot-check or audit to ensure compliance with pilot BYE requirements. </span></div>
                        </div>
                </li>
                <li>
                        <h4 data-target="#answer-2dd76de235924bf89be5aaabef07bdfe" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">What process did the Board use to approve the pilot BYE?</span>
                        </h4>
                        <div id="answer-2dd76de235924bf89be5aaabef07bdfe" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><p style="margin: 6px 0px 8px; text-align: left; color: #000000; letter-spacing: normal; text-decoration: none; background-color: transparent;">The pilot BYE was originally presented as a submission under section 508(h) of the Act. However, after further review, it was determined the submission actually fell under section 523(d) of the Act.</p>
<span style="text-align: left; color: #000000; letter-spacing: normal; text-decoration: none; background-color: #ffffff;"> </span>
<p style="margin: 6px 0px 8px; text-align: left; color: #000000; letter-spacing: normal; text-decoration: none; background-color: transparent;">The submission was carefully reviewed by a panel of five expert reviewers, RMA and the Board. It was the majority opinion of the Board that: 1) the interests of producers were adequately protected within the pilot area; 2) the proposed rates of premium were actuarially sound; 3) the size of the proposed pilot was adequate; 4) the pilot BYE would not unfairly discriminate among producers in the pilot area; and 5) if the pilot area were expanded, the pilot BYE would not adversely impact the crop insurance delivery system, not reduce program integrity, still be actuarially appropriate, and not place an additional financial burden on the Federal government.</p>
<span style="text-align: left; color: #000000; letter-spacing: normal; text-decoration: none; background-color: #ffffff;"> </span>
<p style="margin: 6px 0px 8px; text-align: left; color: #000000; letter-spacing: normal; text-decoration: none; background-color: transparent;">In addition, the Board also considered:</p>
<span style="text-align: left; color: #000000; letter-spacing: normal; text-decoration: none; background-color: #ffffff;"> </span>
<ul style="text-align: left; color: #000000; letter-spacing: normal; text-decoration: none; margin-top: 0px; margin-bottom: 10px; list-style-type: disc; background-color: transparent;">
    <li style="margin-bottom: 3px;">Whether the potential premium rate reduction is significant and meaningful (in the case of the pilot BYE, reductions in the yield component of premium rates were generally around 20 percent);</li>
    <li style="margin-bottom: 3px;">Whether the proposed reduction is significantly different from other discounts currently available, or is already accounted for in current premium rates;</li>
    <li style="margin-bottom: 3px;">That the basis for the reduction cannot be controlled by the producer or any outside third party;</li>
    <li style="margin-bottom: 3px;">That an established, reasonable and efficient process exists for independent verification that the producer qualifies for the reduction;</li>
    <li style="margin-bottom: 3px;">No unreasonable burdens occur with respect to the crop insurance delivery system, compliance monitoring activities, IT system modifications and data reporting requirements, and that premium rating approaches are transparent; </li>
    <li style="margin-bottom: 3px;">That the proposed premium rate reduction is based on credible data and sound analysis; and</li>
    <li style="margin-bottom: 3px;">There is a process to collect data on the performance of the proposed reduction so that it may be evaluated and adjusted annually as may be appropriate.</li>
</ul></div>
                        </div>
                </li>
                <li>
                        <h4 data-target="#answer-5f277a96e05946e3b73727d5eb89f9e5" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">Is the pilot BYE submission available to the public?</span>
                        </h4>
                        <div id="answer-5f277a96e05946e3b73727d5eb89f9e5" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><span style="text-align: left; color: #000000; letter-spacing: normal; text-decoration: none; background-color: transparent;">Once a submission has been approved, any person can request the submission under the Freedom of Information Act (FOIA). Any documents not exempt from release under FOIA will be provided. </span></div>
                        </div>
                </li>
                <li>
                        <h4 data-target="#answer-353163a6f56041f68b901711da992f54" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">Is only Monsanto’s triple-stack genetically traited corn eligible for the premium discount?</span>
                        </h4>
                        <div id="answer-353163a6f56041f68b901711da992f54" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><span style="text-align: left; color: #000000; letter-spacing: normal; text-decoration: none; background-color: transparent;">Monsanto is the only organization to have made a submission under section 523(d) of the Act that has been approved at this time. However, over 250 companies currently license Monsanto’s triple-stack technology. Any approved insurance provider can provide, or partner with a private entity to provide, a submission for a premium rate reduction under section 523(d) of the Act and it will receive consideration by the FCIC Board.</span></div>
                        </div>
                </li>
                <li>
                        <h4 data-target="#answer-ed4d81b36b11467a90c4b717cdee635e" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">Is the Board’s approval of the pilot BYE considered an endorsement by USDA or RMA of Monsanto’s triple-stack genetically traited corn?</span>
                        </h4>
                        <div id="answer-ed4d81b36b11467a90c4b717cdee635e" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><span style="text-align: left; color: #000000; letter-spacing: normal; text-decoration: none; background-color: transparent;">Approval of the BYE pilot program is </span><strong style="margin: 0px; text-align: left; color: #000000; letter-spacing: normal; text-decoration: none; background-color: transparent;">not</strong><span style="text-align: left; color: #000000; letter-spacing: normal; text-decoration: none; background-color: transparent;"> an endorsement by USDA or RMA of Monsanto’s triple-stack genetically traited corn. All the approval means is that Monsanto’s triple-stack genetically traited corn demonstrated a reduction in risk that qualified for a premium rate reduction. There may be other genetically traited corn that could perform as well or better than the one covered by the pilot BYE. Producers should consult with their seed dealers to determine the best seed for them.</span></div>
                        </div>
                </li>
                <li>
                        <h4 data-target="#answer-4c5cbb9faf404fa2822fa190e21bbe92" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">If a producer meets all pilot BYE requirements but harvests some of the non-irrigated corn planted for grain as silage, does such action make the producer ineligible for the pilot BYE premium rate reduction?</span>
                        </h4>
                        <div id="answer-4c5cbb9faf404fa2822fa190e21bbe92" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><span style="text-align: left; color: #000000; letter-spacing: normal; text-decoration: none; background-color: transparent;">Harvesting some of the non-irrigated corn for grain acreage, used to qualify for the pilot BYE, as silage does not, by itself, affect the producer’s eligibility for the pilot BYE premium rate reduction.</span></div>
                        </div>
                </li>
                <li>
                        <h4 data-target="#answer-b39a4692c58b4a9fb9cd193f50c06a61" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">After an insured indicates on their acreage report that a unit(s) meets the pilot BYE requirements, may an insured modify their acreage report to indicate unit(s) no longer meets the applicable requirements? If so, what effect does such modification have on the insured’s underlying policy?</span>
                        </h4>
                        <div id="answer-b39a4692c58b4a9fb9cd193f50c06a61" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><p style="margin: 6px 0px 8px; text-align: left; color: #000000; letter-spacing: normal; text-decoration: none; background-color: transparent;">Neither the pilot BYE nor the pilot BYE Insurance Standards Handbook modify the acreage reporting provisions contained in the applicable basic provisions (Section 6 for APH policies and Section 7 for RA and CRC policies). Accordingly, before the acreage reporting date an insured may modify their acreage report to indicate they are not eligible for the pilot BYE with no impact on their underlying policy. </p>
<span style="text-align: left; color: #000000; letter-spacing: normal; text-decoration: none; background-color: #ffffff;"> </span>
<p style="margin: 6px 0px 8px; text-align: left; color: #000000; letter-spacing: normal; text-decoration: none; background-color: transparent;">The acreage reporting provisions contained in the applicable basic provisions allow for certain changes to an insured’s acreage report after the acreage reporting date with the consent of the AIP. If such a change to the acreage report results in the insured no longer meeting the requirements of the pilot BYE, the insured’s corn crop policy would not be voided solely because of the permitted change to the acreage report, provided there was no false or fraudulent information involved. However, an AIP cannot consent to change an acreage report after an insured’s policy is selected for spot-check solely to avoid the policy being voided. </p></div>
                        </div>
                </li>
                <li>
                        <h4 data-target="#answer-7a63db7528f84e22bb15be24f441e2d9" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">What is the process for collecting and testing plant tissue samples for the required traits when a pilot BYE policy is selected for spot-check?</span>
                        </h4>
                        <div id="answer-7a63db7528f84e22bb15be24f441e2d9" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><p style="margin: 6px 0px 8px; text-align: left; color: #000000; letter-spacing: normal; text-decoration: none; background-color: transparent;">The pilot BYE quality control measures, including the testing of plant tissue samples (plant leaves), were developed to ensure that producers who receive the pilot BYE premium rate reduction meet all eligibility requirements and to maintain the integrity of the pilot in an efficient manner.</p>
<span style="text-align: left; color: #000000; letter-spacing: normal; text-decoration: none; background-color: #ffffff;"> </span>
<p style="margin: 6px 0px 8px; text-align: left; color: #000000; letter-spacing: normal; text-decoration: none; background-color: transparent;">The process for the collection and testing of plant leaves starts with the random selection of policies by the AIP. All policies for which the pilot BYE premium rate reduction is applied are subject to random selection to determine whether the insured has met all pilot BYE eligibility requirements. Each AIP randomly selects for spot-check 3% of applicable policies with liability less than $500,000 and 5 percent of applicable policies with a liability equal to or greater than $500,000 in accordance with the pilot BYE Insurance Standards Handbook.</p>
<span style="text-align: left; color: #000000; letter-spacing: normal; text-decoration: none; background-color: #ffffff;"> </span>
<p style="margin: 6px 0px 8px; text-align: left; color: #000000; letter-spacing: normal; text-decoration: none; background-color: transparent;">For policies randomly selected, the insured will be contacted by a representative from the AIP and informed they have been selected for spot-check. All units which the insured identified on their acreage report as eligible for the pilot BYE premium rate reduction will be reviewed. Only those units the insured identified as eligible for the pilot BYE will be spot-checked. No plant leaves will be collected from any unit that was not identified as eligible for the pilot BYE.</p>
<span style="text-align: left; color: #000000; letter-spacing: normal; text-decoration: none; background-color: #ffffff;"> </span>
<p style="margin: 6px 0px 8px; text-align: left; color: #000000; letter-spacing: normal; text-decoration: none; background-color: transparent;">The insured identifies the physical location of the acreage that is non-irrigated corn for grain planted to qualifying hybrids and identifies the physical location of any other corn planted within the unit. The producer is responsible for being able to identify and communicate to the AIP representative such acreage as a condition of the pilot BYE. The purpose of requiring an insured to identify the physical location of other corn planted within a unit is solely to ensure the AIP does not collect tissue samples from such acreage, and inadvertently cause the insured to fail the trait expression test. </p>
<span style="text-align: left; color: #000000; letter-spacing: normal; text-decoration: none; background-color: #ffffff;"> </span>
<p style="margin: 6px 0px 8px; text-align: left; color: #000000; letter-spacing: normal; text-decoration: none; background-color: transparent;">The AIP randomly selects 10 plants from within the unit and collects a plant leaf from each plant. Plant leaves are collected only from the acreage the producer identified as being non-irrigated corn for grain planted to qualifying hybrids. Each plant selected must represent different locations within the applicable field/acreage identified (the plant leaves must be representative of the entire field/acreage identified as non-irrigated corn for grain planted to a qualifying hybrid). In addition, each plant selected must be at least 100 feet apart and must be at least 100 feet from the edge of the field.</p>
<span style="text-align: left; color: #000000; letter-spacing: normal; text-decoration: none; background-color: #ffffff;"> </span>
<p style="margin: 6px 0px 8px; text-align: left; color: #000000; letter-spacing: normal; text-decoration: none; background-color: transparent;">The AIP places each of the 10 randomly selected plant leaves in a separate bag to prevent any cross contamination. Within 24 hours of the plant leaves being collected, all 10 samples are mailed to an independent laboratory to test for the required traits. The laboratory randomly selects three of the 10 plant leaves for each unit, and tests each of the three plant leaves for the presence of the required traits using lateral flow test strips. Not all 10 plant leaves are tested. If at least two of the three plant leaves test positive for the required traits, the unit is determined to have met the pilot BYE planting requirements. If 2 or more of the 3 plant leaves test negative for the required traits, the unit is determined to not meet the pilot BYE planting requirements. </p>
<span style="text-align: left; color: #000000; letter-spacing: normal; text-decoration: none; background-color: #ffffff;"> </span>
<p style="margin: 6px 0px 8px; text-align: left; color: #000000; letter-spacing: normal; text-decoration: none; background-color: transparent;">Within 10 business days of receiving the plant leaves, the laboratory notifies the AIP of the trait expression test results for each unit. The AIP notifies the insured of the result of the trait expression tests only when the test results are negative and the insured is determined out of compliance with the pilot BYE.</p></div>
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                        <h4 data-target="#answer-bc9e81888fd54ce2b1bed1ca29dfc10c" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">What can an insured do if the plant tissue samples test negative for qualifying hybrids?</span>
                        </h4>
                        <div id="answer-bc9e81888fd54ce2b1bed1ca29dfc10c" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><p style="margin: 6px 0px 8px; text-align: left; color: #000000; letter-spacing: normal; text-decoration: none; background-color: transparent;"> After notification of a negative test result, the producer may challenge such result and request the AIP collect an additional 10 plant leaves from the applicable units to be submitted to the laboratory for trait expression testing. The collection and submission of 10 additional plant leaves for trait expression testing is at the discretion of the AIP. If a producer challenges the initial test results and has a reasonable explanation, as determined by the AIP, as to why such results may not be valid, the AIP may collect and submit an additional 10 plant leaves for trait expression testing. If there is insufficient plant tissue available to collect for an additional trait expression test, the results of the initial trait expression test shall be final.</p>
<span style="text-align: left; color: #000000; letter-spacing: normal; text-decoration: none; background-color: #ffffff;"> </span>
<p style="margin: 6px 0px 8px; text-align: left; color: #000000; letter-spacing: normal; text-decoration: none; background-color: transparent;">If the AIP elects to approve a producer’s request for testing of additional plant leaves, the AIP must collect the additional 10 plant leaves according to the same procedures as the initial 10 plant leaves were collected, including collecting such additional leaf samples from the same fields/acreage as the initial plant leaves, except when the producer has a reasonable explanation that he/she made an error in identifying the acreage for the initial selection. Further, the AIP must submit the additional plant leaves to the same laboratory that performed the trait expression tests on the initial plant leaves. The laboratory will conduct trait expression testing using the same procedures used for the initial plant leaves. </p>
<span style="text-align: left; color: #000000; letter-spacing: normal; text-decoration: none; background-color: #ffffff;"> </span>
<p style="margin: 6px 0px 8px; text-align: left; color: #000000; letter-spacing: normal; text-decoration: none; background-color: transparent;">If the result of the second trait expression test of the additional plant leaves is negative, no further testing of plant leaf samples is authorized. Due to the fact it should be highly unlikely the test results will be negative if the insured in fact complied with the terms and conditions of the pilot BYE, and that such tests are highly accurate, there should be no reason for any further testing. The AIP will contact the insured to inform them of results of the second test.</p>
<span style="text-align: left; color: #000000; letter-spacing: normal; text-decoration: none; background-color: #ffffff;"> </span>
<p style="margin: 6px 0px 8px; text-align: left; color: #000000; letter-spacing: normal; text-decoration: none; background-color: transparent;">Monsanto Company has agreed that for the 2008 crop year, the cost of the additional lab tests will be at no charge. </p></div>
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