Sandhusker I have a question for you. If you had a bank client that had a $100,000 loan and things had been tight for him finance wise, and he came to your office and told you that he was just offered $102,000 for his calves for delivery in Jan.  Would you tell him to take the contract or would you tell him to not sign  and sell at the town sale barn with a  possibility that he wouldn't get enough out of the calves to pay off the loan with your bank? Honestly tell us, what would your advice be to him?   On one hand he could pay you off and have enough to maybe pay off a few other creditors he owes that may also be clients of your bank or on the other he may not cover his debts to you let alone to the other bank clients that have him on the books.