...if you have to sell crop, sell it....if you do not, not.  Better to have it (CIF) and not need it, than to need it and not have it. 

- Deal in dollar amounts, not percentages to determine viability of financial decisions.  Managerial Acct. 101.
- Deal with debt to asset ratios, it is part of the growth plan.  Use it in budgeting, cash flow and business planning.  Business 101.
- Loan costs are just another operating cost.
- Fear should not be involved in the decision making process.

farming can be an emotional thing, what with neighbors, family history, coffee shop talk, grain dealers and brokers, expert advise etc., but herding instincts are strong, especially when fear is involved.