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APPLIED RISK ANALYTICS available at: RightRisk.org/Analytics

JIM AND SALLY BUTLER are getting ready for their third year in business producing ­alfalfa hay. The couple has been using custom operators to mow or windrow their hay, and have been informed that custom prices will be going up due to high fuel and other costs. They had been paying $10/acre, and now windrowing will cost $19/acre. The Butlers are considering other options in the form of owning or leasing their own machine . . .

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