Agricultural lending institutions are faced with a perpetual task of periodically evaluating personal and financial attributes of their borrowers. This examination is necessary in order to determine the present quality of the loans and to assess the current financial position of each borrower. Moreover, analysis of each borrower's financial performance establishes a basis for extending, limiting or withdrawing the present line of credit and for determining the amount and kind of supervision needed.

With a multitude of information sources available to stakeholders, it is critical that Extension emphasize the supporting work and unbiased approach that comprise the backbone of our recommendations. In Alabama, management of target spot, a disease that can devastate cotton, is the result of 100 field trials, 6,700 man-hours, and $485,800 in grants. The team involved delivered 94 associated publications and stakeholder activities and posted information via YouTube and Twitter. For Cooperative Extension to remain relevant, we must emphasize our strong experiment station partnership that ensures a foundation firmly planted in unbiased, research-based information that is not influenced by outside, market-driven interests.

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