No wonder you guys can afford 85% insurance.  My sheet that I got the other day says that with a 162 aph (177ta), a price of 3.93, a volatility factor of .19, at 80% coverage (that is as high as the chart goes, does not list 85%) eu premium is 36.27 and ou premium is 67.33 per acre.  I would hate to see what 85% premiums would be.