There is no such thing as a risk-free year in agriculture, anyone who has spent time around farmers knows that. You can make good decisions, work from before sunrise until after dark, carefully manage your finances and do almost everything right, and still have Mother Nature change your plans overnight. For a small farmer, one bad year can be especially hard to absorb. That is why I believe we need to talk more about crop insurance with beginning farmers and ranchers, particularly our nation’s Farmer Veterans.