Ken Ripley

The history of triggers is so often that you've got to get in and stay in.

Say you don't trigger in 26, you're going to get out.

That's the wrong decision.

You need to get in and stay in because that one in eight to one in 15 year frequency of loss, well, if we're hitting eight out of 20, 40%, it's like you got to be in and stay in them.

So again, if you haven't bought these products in the past, you absolutely need to talk with your agent and look at them and

Ask for the history, like our company has history, and I know several companies do provide a history tool because that helps you make the decision.

Now, there's one caveat I need to preface.

They're all based on the county's performance, not your individual performance.

And so there's a component called an expected county yield, and every county in the nation has that number.

My county for corn is 217.3 for Fairbanks County, MN.

Great number.

That's really in line with a lot of APHs in areas.

Some growers are higher than that.

Some are lower, obviously, but that's a very good, think of that as the county APH.

A couple of counties to the west of me went down from a 203 to like a 195.

So now you got to make that maybe changes that decision a little bit because maybe that trigger, that county APH is just low enough that the history is not going to be the same because we've had some bad years in that county and the trigger is lowered.

We maybe outgrow that.

So it's going to take a big price drop only to trigger losses in those counties.

That's the one thing you got to look at is, is that expected county yield in line with APHs in the area?

If it's too low, you know, not saying it's not still a good buy.