Oh my, oh my........SD banker here, and a former Farm Credit officer (PCA) in the 1980's. True, not yet as bad as the 1980's, but it better turn pretty darn soon, or it may be? It continues to amaze me that when one talks to any "one farmer", I'm not having any problems, but I know others that are. Maybe ought to look in the mirror? It would be one thing if just a commodity or two, but it appears pretty much across the board, grains, LS, milk, etc. The biggest difference is the interest rates.......but look out, they are on the move. I hope most have a vast majority of their debt locked into historically low rates. It also amazes me that one keeps reading these articles of land only down 3-4%, maybe extreme of 10%. WTF? I know several cases, more than one state, where from back in 2012-13-14, to now, the very best land is off 30%. If 10,000/ac now sells for 7,000/ac, is that not 30%......and that's on high quality land. Lesser quality, is off even more! They throw in all these rural "hobby farms", and the development land around major cities, into the "Mix".....well, excuse me, that is not the average crop ground. USDA and the boys that keep the stats, don't want to create a panic! Yes, some farms nearly debt free, some land owners (Non-farmers) nearly debt free, and that scews the averages. But more total debt in AG today than ever before, and interest rates are rising! The Big Boys, with the big acres and the big stuff, also have the heavy debts, they have the debt, and 3.00 corn, and 7.00 beans don't cover much. Restructure, put more debt on the RE? We tried that in the 80's!! If one can not cover basic op exp, and FL, how does one cover more term debt payments? The day is coming, best be equipped to survive. You can cuss the banker, they did that in the 80's also. Most of us never held a gun to one's head and said you need to borrow more? One can NOT borrow their way out of a mess. Hang on!!