I was able to work with a producer to complete a Cash Flow for his farming operation.  This was a new exercise for the producer who had never thought about his cash flow needs on a monthly and cumulative basis.  The producer was stretched to think about forecasting when and how much money would be needed to purchase inputs and when and how much money would be coming in from the sale of crops.  We were able to complete this exercise and submit it to the Lender.  Through this process the producer was able to obtain operating funds for the current year and understand the logic of the lender when it came to paying available cash on the loan, even though he may have to borrow funds again in a few days or weeks.