{"id":30409,"date":"2021-10-27T00:31:10","date_gmt":"2021-10-27T04:31:10","guid":{"rendered":"https:\/\/smallfarms.cornell.edu\/?page_id=24057"},"modified":"2026-03-19T21:51:57","modified_gmt":"2026-03-20T01:51:57","slug":"financial-scorecard","status":"publish","type":"resources","link":"https:\/\/smallfarms.cornell.edu\/es\/recursos\/recursos\/financial-scorecard\/","title":{"rendered":"Financial Scorecard (older version)"},"content":{"rendered":"\n<p><span style=\"font-weight: 400;\">The terms and associated calculations found here are essential to understanding the financial status of your business. Complete the formulas and insert your calculations into the ranges to evaluate your financial well-being. <\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">For your convenience, you can save your work to return at a later time or have your work sent to you via email!<\/span><\/p>\n\n\n\n<p>&nbsp;<\/p>\n\n\n<script>\nvar gform;gform||(document.addEventListener(\"gform_main_scripts_loaded\",function(){gform.scriptsLoaded=!0}),document.addEventListener(\"gform\/theme\/scripts_loaded\",function(){gform.themeScriptsLoaded=!0}),window.addEventListener(\"DOMContentLoaded\",function(){gform.domLoaded=!0}),gform={domLoaded:!1,scriptsLoaded:!1,themeScriptsLoaded:!1,isFormEditor:()=>\"function\"==typeof InitializeEditor,callIfLoaded:function(o){return!(!gform.domLoaded||!gform.scriptsLoaded||!gform.themeScriptsLoaded&&!gform.isFormEditor()||(gform.isFormEditor()&&console.warn(\"The use of gform.initializeOnLoaded() is deprecated in the form editor context and will be removed in Gravity Forms 3.1.\"),o(),0))},initializeOnLoaded:function(o){gform.callIfLoaded(o)||(document.addEventListener(\"gform_main_scripts_loaded\",()=>{gform.scriptsLoaded=!0,gform.callIfLoaded(o)}),document.addEventListener(\"gform\/theme\/scripts_loaded\",()=>{gform.themeScriptsLoaded=!0,gform.callIfLoaded(o)}),window.addEventListener(\"DOMContentLoaded\",()=>{gform.domLoaded=!0,gform.callIfLoaded(o)}))},hooks:{action:{},filter:{}},addAction:function(o,r,e,t){gform.addHook(\"action\",o,r,e,t)},addFilter:function(o,r,e,t){gform.addHook(\"filter\",o,r,e,t)},doAction:function(o){gform.doHook(\"action\",o,arguments)},applyFilters:function(o){return gform.doHook(\"filter\",o,arguments)},removeAction:function(o,r){gform.removeHook(\"action\",o,r)},removeFilter:function(o,r,e){gform.removeHook(\"filter\",o,r,e)},addHook:function(o,r,e,t,n){null==gform.hooks[o][r]&&(gform.hooks[o][r]=[]);var d=gform.hooks[o][r];null==n&&(n=r+\"_\"+d.length),gform.hooks[o][r].push({tag:n,callable:e,priority:t=null==t?10:t})},doHook:function(r,o,e){var t;if(e=Array.prototype.slice.call(e,1),null!=gform.hooks[r][o]&&((o=gform.hooks[r][o]).sort(function(o,r){return o.priority-r.priority}),o.forEach(function(o){\"function\"!=typeof(t=o.callable)&&(t=window[t]),\"action\"==r?t.apply(null,e):e[0]=t.apply(null,e)})),\"filter\"==r)return e[0]},removeHook:function(o,r,t,n){var e;null!=gform.hooks[o][r]&&(e=(e=gform.hooks[o][r]).filter(function(o,r,e){return!!(null!=n&&n!=o.tag||null!=t&&t!=o.priority)}),gform.hooks[o][r]=e)}});\n<\/script>\n\n                <div class='gf_browser_gecko gform_wrapper gravity-theme gform-theme--no-framework' data-form-theme='gravity-theme' data-form-index='0' id='gform_wrapper_11' ><div id='gf_11' class='gform_anchor' tabindex='-1'><\/div><form method='post' enctype='multipart\/form-data' target='gform_ajax_frame_11' id='gform_11'  action='\/es\/wp-json\/wp\/v2\/resources\/30409#gf_11' data-formid='11' novalidate>\n                        <div class='gform-body gform_body'><div id='gform_fields_11' class='gform_fields top_label form_sublabel_below description_below validation_below'><div id=\"field_11_65\" class=\"gfield gfield--type-html gfield--width-full gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><script>\n\ndocument.addEventListener('DOMContentLoaded', function() {\n  if (typeof jQuery !== 'undefined') {\n    jQuery(function($) {\n\t\t\t\n    \/\/\/\/console.log(\"JQ is alive. 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\/\/console.log(\"Gross Income is \" + grossIncome);\n\n        showGrossIncome();\n        setShowWorkingCapitalToGrossRevenues();\n        setOperatingExpenseRatio();\n        setDepreciationExpenseRatio();\n        setInterestExpenseRatio();\n        setNetIncomeRatio()\n    }\n\n    function showGrossIncome() {\n        document.getElementById(\"input_11_82\").value = formatCurrency(grossIncome);\n        document.getElementById(\"input_11_91\").value = formatCurrency(grossIncome);\n        document.getElementById(\"input_11_104\").value = formatCurrency(grossIncome);\n        document.getElementById(\"input_11_90\").value = formatCurrency(grossIncome);\n        document.getElementById(\"input_11_96\").value = formatCurrency(grossIncome);\n    }\n\n\n    \/* Net Worth *\/\n    function setnetWorth($netWorthInput) {\n        \/\/console.log(\"setnetWorth function fired\");\n        netWorth = $netWorthInput.val();\n        if (netWorth === \"\") {\n            netWorth = 0;\n        }\n        netWorth = formatNumber(netWorth);\n        \/\/console.log(\"Net Worth is \" + netWorth);\n        document.getElementById(\"input_11_81\").value = formatCurrency(netWorth);\n        document.getElementById(\"input_11_122\").value = formatCurrency(netWorth);\n\n        setEquityToAsset();\n        setDebtToEquity();\n    }\n\n    \/* Current Ratio *\/\n    function setCurrentRatio() {\n        \/\/console.log(\"set cr function fired\");\n\n        if (currentAssets > 0 && currentLiabilities > 0) {\n            currentRatio = currentAssets \/ currentLiabilities;\n            showCurrentRatio();\n        } else if (currentAssets > 0 && currentLiabilities == 0) {\n            document.getElementById(\"input_11_246\").value = \"Excellent\";\n            rotateProperty = \"rotate(180deg)\";\n            $(\"#CurrentRatio .dial\").css(\"transform\", rotateProperty);\n        } else {\n            currentRatio = 0;\n            showCurrentRatio();\n        }\n        \/\/console.log(\"CR value is \" + currentRatio);\n    }\n\n    function showCurrentRatio() {\n\n        if (currentRatio > 2.7) {\n            rotateProperty = \"rotate(180deg)\";\n        } else if (currentRatio < .7) {\n            \/\/console.log(\"CR is less than .7 leave at min\");\n            rotateProperty = \"rotate(0deg)\";\n        } else {\n            \/\/console.log(\"CR is in range\");\n            rotateDeg = ((currentRatio - .6) \/ 2.1 * 180);\n            rotateProperty = \"rotate(\" + rotateDeg + \"deg)\";\n            \/\/console.log(\"CR is in range. Rotate Prop \" + rotateProperty);\n        }\n\n        currentRatio = currentRatio.toFixed(2);\n        document.getElementById(\"input_11_246\").value = currentRatio;\n        $(\"#CurrentRatio .dial\").css(\"transform\", rotateProperty);\n    }\n\n\n\n    \/*Working Capital*\/\n\n    function setShowWorkingCapital() {\n        workingCapital = currentAssets - currentLiabilities;\n        \/\/console.log(\"workingCapital is \" + WorkingCapital);\n        document.getElementById(\"input_11_251\").value = formatCurrency(workingCapital);\n        document.getElementById(\"input_11_255\").value = formatCurrency(workingCapital);\n\n        workingCapital = formatNumber(workingCapital);\n        setShowWorkingCapitalToGrossRevenues();\n    }\n\n    function setShowManualWorkingCapital($workingCapitalInput) {\n        \/\/console.log(\"Manual WC function fired\");\n\n        if ($workingCapitalInput.val() == workingCapital) {\n            return;\n        } else if ($workingCapitalInput.val() !== \"\") {\n            workingCapital = $workingCapitalInput.val();\n        }\n\n        workingCapital = formatNumber(workingCapital);\n        \/\/console.log(\"WorkingCapital value is \" + workingCapital);\n\n        \/\/console.log(\"manualWorkingCapital is \" + workingCapital);\n        document.getElementById(\"input_11_255\").value = formatCurrency(workingCapital);\n\n        workingCapital = formatNumber(workingCapital);\n        setShowWorkingCapitalToGrossRevenues();\n    }\n\n\n    \/*Working Capital to Gross Revenues*\/\n\n    function setShowWorkingCapitalToGrossRevenues() {\n        if (workingCapital > 0 && grossIncome > 0) {\n            workingCapitalToGrossRevenues = workingCapital \/ grossIncome * 100;\n        } else if (grossIncome == 0) {\n            workingCapitalToGrossRevenues = 0;\n        } else {\n            workingCapitalToGrossRevenues = 0;\n        }\n\n        \/\/console.log(\"workingCapitalToGrossRevenues is \" + workingCapitalToGrossRevenues);\n\n        if (workingCapitalToGrossRevenues <= 0) {\n            \/\/console.log(\"WCtGR is less than 0 leave at min\");\n            rotateProperty = \"rotate(0deg)\";\n        } else if (workingCapitalToGrossRevenues >= 40) {\n            \/\/console.log(\"WCtGR is more than 100 leave at max\");\n            rotateProperty = \"rotate(180deg)\";\n        } else {\n            \/\/console.log(\"WCtGR is in range\");\n            rotateDeg = ((workingCapitalToGrossRevenues) \/ 40 * 180);\n            rotateProperty = \"rotate(\" + rotateDeg + \"deg)\";\n            \/\/console.log(\"WCtGR is in range. Rotate Prop \" + rotateProperty);\n        }\n\n        workingCapitalToGrossRevenues = formatPercent(workingCapitalToGrossRevenues);\n        document.getElementById(\"input_11_256\").value = workingCapitalToGrossRevenues;\n        $(\"#WorkingCapitalToGrossRevenues .dial\").css(\"transform\", rotateProperty);\n    }\n\n\n\n    \/*Debt-to-Asset Ratio*\/\n\n    function setDebtToAsset() {\n        \/\/console.log(\"set debt to asset function fired\");\n\n        if (totalAssets > 0 && totalLiabilities > 0) {\n            debtToAsset = totalLiabilities \/ totalAssets * 100;\n        } else if (totalAssets == 0) {\n            debtToAsset = 0;\n        } else if (totalLiabilities > 0) {\n            debtToAsset = 0;\n        } else if (totalLiabilities == 0) {\n            debtToAsset = 100;\n        } else {\n            debtToAsset = 0.0001;\n        }\n\n        showDebtToAsset();\n\n        \/\/console.log(\"debtToAsset is \" + debtToAsset);\n    }\n\n    function showDebtToAsset() {\n        if (debtToAsset <= 0) {\n            \/\/console.log(\"DtA is less than 0 leave at min\");\n            rotateProperty = \"rotate(0deg)\";\n        } else if (debtToAsset >= 90) {\n            \/\/console.log(\"DtA is more than 100 leave at max\");\n            rotateProperty = \"rotate(180deg)\";\n        } else {\n            \/\/console.log(\"DtA is in range\");\n            rotateDeg = (debtToAsset \/ 90 * 180);\n            rotateProperty = \"rotate(\" + rotateDeg + \"deg)\";\n            \/\/console.log(\"DtA is in range. Rotate Prop \" + rotateProperty);\n        }\n\n        debtToAsset = formatPercent(debtToAsset);\n        document.getElementById(\"input_11_257\").value = debtToAsset;\n        $(\"#DebtToAsset .dial\").css(\"transform\", rotateProperty);\n    }\n\n\n\n\n    \/*Equity-to-Asset Ratio*\/\n\n    function setEquityToAsset() {\n        \/\/console.log(\"set equity to asset function fired\");\n\n        if (totalAssets > 0 && netWorth > 0) {\n            equityToAsset = netWorth \/ totalAssets * 100;\n        } else if (totalAssets == 0) {\n            equityToAsset = 0;\n        } else if (netWorth > 0) {\n            equityToAsset = 0;\n        } else if (netWorth == 0) {\n            equityToAsset = 100;\n        } else {\n            equityToAsset = 0;\n        }\n\n        showEquityToAsset();\n\n        \/\/console.log(\"equityToAsset is \" + equityToAsset);\n    }\n\n    function showEquityToAsset() {\n        if (equityToAsset <= 0) {\n            \/\/console.log(\"EtA is less than 0 leave at min\");\n            rotateProperty = \"rotate(0deg)\";\n        } else if (equityToAsset >= 100) {\n            \/\/console.log(\"EtA is more than 100 leave at max\");\n            rotateProperty = \"rotate(180deg)\";\n        } else {\n            \/\/console.log(\"EtA is in range\");\n            rotateDeg = ((equityToAsset - 10) \/ 90 * 180);\n            rotateProperty = \"rotate(\" + rotateDeg + \"deg)\";\n            \/\/console.log(\"EtA is in range. Rotate Prop \" + rotateProperty);\n        }\n\n        equityToAsset = formatPercent(equityToAsset);\n        document.getElementById(\"input_11_259\").value = equityToAsset;\n        $(\"#EquityToAsset .dial\").css(\"transform\", rotateProperty);\n    }\n\n\n\n    \/* Debt to Equity *\/\n\n    function setDebtToEquity() {\n        \/\/console.log(\"set DebtToEquity function fired\");\n\n        if (netWorth > 0) {\n            debtToEquity = totalLiabilities \/ netWorth;\n        } else {\n            debtToEquity = 0;\n        }\n\n        showDebtToEquity();\n\n        \/\/console.log(\"debt to equity is \" + debtToEquity);\n    }\n\n\n    function showDebtToEquity() {\n        if (debtToEquity <= 0) {\n            \/\/console.log(\"DtE is less than .64 leave at min\");\n            rotateProperty = \"rotate(0deg)\";\n        } else if (debtToEquity >= 1.93) {\n            \/\/console.log(\"DtE is more than 1.93 leave at max\");\n            rotateProperty = \"rotate(180deg)\";\n        } else {\n            $(\"#DebtToEquityDisplay\").html(debtToEquity);\n            \/\/console.log(\"DtE is in range\");\n            rotateDeg = (debtToEquity \/ 1.93 * 180);\n            rotateProperty = \"rotate(\" + rotateDeg + \"deg)\";\n            \/\/console.log(\"DtE is in range. Rotate Prop \" + rotateProperty);\n        }\n\n        document.getElementById(\"input_11_260\").value = debtToEquity.toFixed(2);\n        $(\"#DebtToEquity .dial\").css(\"transform\", rotateProperty);\n    }\n\n\n\n    \/* Gross Cash Income *\/\n\n    function setShowGrossCashIncome($GrossCashIncomeInput) {\n        \/\/console.log(\"gci function fired\");\n        grossCashIncome = $GrossCashIncomeInput.val();\n        if (grossCashIncome === \"\") {\n            grossCashIncome = 0;\n        }\n        grossCashIncome = formatNumber(grossCashIncome);\n\n        \/\/console.log(\"grossCashIncome value is \" + grossCashIncome);\n        document.getElementById(\"input_11_139\").value = formatCurrency(grossCashIncome);\n        document.getElementById(\"input_11_172\").value = formatCurrency(grossCashIncome);\n\n        setShowNetIncome();\n    }\n\n    \/* Total Cash Expense *\/\n\n    function setShowTotalCashExpense($TotalCashExpenseInput) {\n        \/\/console.log(\"gci function fired\");\n        totalCashExpense = $TotalCashExpenseInput.val();\n        if (totalCashExpense === \"\") {\n            totalCashExpense = 0;\n        }\n        totalCashExpense = formatNumber(totalCashExpense);\n\n        \/\/console.log(\"totalCashExpense value is \" + totalCashExpense);\n        document.getElementById(\"input_11_140\").value = formatCurrency(totalCashExpense);\n\n        setShowNetIncome();\n    }\n\n    \/* OR *\/\n\n    function setShowOR($ORInput) {\n        \/\/console.log(\"OR function fired\");\n        operatingRevenue = $ORInput.val();\n        if (operatingRevenue === \"\") {\n            operatingRevenue = 0;\n        }\n        operatingRevenue = formatNumber(operatingRevenue);\n\n        \/\/console.log(\"operatingRevenue value is \" + operatingRevenue);\n        document.getElementById(\"input_11_141\").value = formatCurrency(operatingRevenue);\n        document.getElementById(\"input_11_166\").value = formatCurrency(operatingRevenue);\n\n        setShowNetIncome();\n    }\n\n    \/* Inventory Changes *\/\n\n    function setShowInventoryChanges($InventoryChangesInput) {\n        \/\/console.log(\"Inventory Changes function fired\");\n        inventoryChanges = $InventoryChangesInput.val();\n        if (inventoryChanges === \"\") {\n            inventoryChanges = 0;\n        }\n        inventoryChanges = formatNumber(inventoryChanges);\n\n        \/\/console.log(\"inventoryChanges value is \" + inventoryChanges);\n        document.getElementById(\"input_11_143\").value = formatCurrency(inventoryChanges);\n\n        setShowNetIncome();\n\n    }\n\n\n    \/* Depreciation *\/\n\n    function setShowDepreciation($DepreciationInput) {\n        \/\/console.log(\"Depreciation function fired\");\n        depreciation = $DepreciationInput.val();\n        if (depreciation === \"\") {\n            depreciation = 0;\n        }\n        depreciation = formatNumber(depreciation);\n\n        \/\/console.log(\"depreciation value is \" + depreciation);\n        document.getElementById(\"input_11_142\").value = formatCurrency(depreciation);\n        document.getElementById(\"input_11_186\").value = formatCurrency(depreciation);\n        document.getElementById(\"input_11_182\").value = formatCurrency(depreciation);\n        document.getElementById(\"input_11_178\").value = formatCurrency(depreciation);\n        document.getElementById(\"input_11_230\").value = formatCurrency(depreciation);\n\n        setShowNetIncome();\n        setShowCapitalDebtRepaymentCapacity();\n        setOperatingExpenseRatio();\n        setDepreciationExpenseRatio();\n        setInterestExpenseRatio();\n    }\n\n\n    \/* Alt Deprecation - this one doesn't fill up to the Net Farm Income Calculator\n    Input ID 186 is the one that call this bc the Capital Debt Repayment Capacity has both depreciation and net farm income fields*\/\n    function setShowAltDepreciation($DepreciationInput) {\n        \/\/console.log(\"Depreciation function fired\");\n        depreciation = $DepreciationInput.val();\n        if (depreciation === \"\") {\n            depreciation = 0;\n        }\n        depreciation = formatNumber(depreciation);\n\n        \/\/console.log(\"alt depreciation value is \" + depreciation);\n        document.getElementById(\"input_11_186\").value = formatCurrency(depreciation);\n        document.getElementById(\"input_11_182\").value = formatCurrency(depreciation);\n        document.getElementById(\"input_11_178\").value = formatCurrency(depreciation);\n        document.getElementById(\"input_11_230\").value = formatCurrency(depreciation);\n\n        setShowCapitalDebtRepaymentCapacity();\n        setOperatingExpenseRatio();\n        setDepreciationExpenseRatio();\n        setInterestExpenseRatio();\n    }\n\n\n    \/* Net Income *\/\n\n    function setShowNetIncome() {\n        \/\/console.log(\"netIncome function fired\");\n\n        if (grossCashIncome > 0) {\n            netIncome = grossCashIncome - totalCashExpense + operatingRevenue - inventoryChanges - depreciation;\n            document.getElementById(\"input_11_262\").value = formatCurrency(netIncome);\n            document.getElementById(\"input_11_270\").value = formatCurrency(netIncome);\n            document.getElementById(\"input_11_269\").value = formatCurrency(netIncome);\n            document.getElementById(\"input_11_296\").value = formatCurrency(netIncome);\n            \/\/console.log(\"netIncome is \" + netIncome);\n        }\n\n        setRateReturnOnAssets();\n        setRateReturnOnEquity();\n        setShowEbitda();\n        setShowCapitalDebtRepaymentCapacity()\n        setNetIncomeRatio();\n    }\n\n    \/* Manual Net Income is put in by the user directly rather than through the calculation\n    Note that it will set net income but not as the calculator result itself *\/\n\n    function setShowManualNetIncome($netIncomeInput) {\n        \/\/console.log(\"Manual Net Income function fired\");\n\n        if ($netIncomeInput.val() == netIncome) {\n            return;\n        } else if ($netIncomeInput.val() !== \"\") {\n            netIncome = $netIncomeInput.val();\n        }\n\n        netIncome = formatNumber(netIncome);\n        \/\/console.log(\"NetIncome value is \" + netIncome);\n        \/*document.getElementById(\"input_11_268\").value = formatCurrency(netIncome);*\/\n        \/*document.getElementById(\"input_11_267\").value = formatCurrency(netIncome);*\/\n        document.getElementById(\"input_11_270\").value = formatCurrency(netIncome);\n        document.getElementById(\"input_11_269\").value = formatCurrency(netIncome);\n        document.getElementById(\"input_11_296\").value = formatCurrency(netIncome);\n\n        setRateReturnOnAssets();\n        setRateReturnOnEquity();\n        setShowEbitda();\n        setShowCapitalDebtRepaymentCapacity()\n        setNetIncomeRatio();\n    }\n\n    \/* Return on Assets *\/\n    function setReturnOnAssets($returnOnAssetsInput) {\n        \/\/console.log(\"ReturnOnAssets function fired\");\n        returnOnAssets = $returnOnAssetsInput.val();\n        if (returnOnAssets === \"\") {\n            returnOnAssets = 0;\n        }\n        returnOnAssets = formatNumber(returnOnAssets);\n        \/\/console.log(\"returnOnAssets value is \" + returnOnAssets);\n\n        showReturnOnAssets();\n        setRateReturnOnAssets();\n        setOperatingProfitMargin();\n    }\n\n    function showReturnOnAssets() {\n        \/\/console.log(\"returnOnAssets value is \" + returnOnAssets);\n        document.getElementById(\"input_11_306\").value = formatCurrency(returnOnAssets);\n        document.getElementById(\"input_11_160\").value = formatCurrency(returnOnAssets);\n    }\n\n    \/* Farm Interest\n    function setInterest($interestInput){\n    \t\/\/console.log(\"setinterest function fired\");\n    \tinterest = $interestInput.val();\n    \tif(interest === \"\"){\n    \t\tinterest = 0;}\n    \tinterest = formatNumber(interest);\n    \t\/\/console.log(\"interest value is \"+ interest);\n\n    \tshowInterest();\n    \tsetRateReturnOnAssets();\n    }\n\n    function showInterest(){\n    \t\/\/console.log(\"interest value is \"+ interest);\n    \tdocument.getElementById(\"input_11_146\").value = formatCurrency(interest);\n    }*\/\n\n\n    \/* Value of Operator Labor & Management\n    function setValueLabor($valueLaborInput){\n    \t\/\/console.log(\"setvaluelabor function fired\");\n    \tvalueLabor = $valueLaborInput.val();\n    \tif(valueLabor === \"\"){\n    \t\tvalueLabor = 0;}\n    \tvalueLabor = formatNumber(valueLabor);\n    \t\/\/console.log(\"valuelabor value is \"+ valueLabor);\n\n    \tshowValueLabor();\n    \tsetRateReturnOnAssets();\n    \tsetRateReturnOnEquity();\n    \tsetOperatingProfitMargin();\n    }\n\n    function showValueLabor(){\n    \t\/\/console.log(\"valuelabor value is \"+ valueLabor);\n    document.getElementById(\"input_11_147\").value = formatCurrency(valueLabor);\n    \tdocument.getElementById(\"input_11_156\").value = formatCurrency(valueLabor);\n    }\n    *\/\n\n\n    \/* Average Farm Assets *\/\n    function setAvgAssets($avgAssetsInput) {\n        \/\/console.log(\"setavgssets function fired\");\n        avgAssets = $avgAssetsInput.val();\n        if (avgAssets === \"\") {\n            avgAssets = 0;\n        }\n        avgAssets = formatNumber(avgAssets);\n        \/\/console.log(\"avgAssets value is \" + avgAssets);\n\n        showAvgAssets();\n        setRateReturnOnAssets();\n        setAssetTurnoverRate();\n    }\n\n    function showAvgAssets() {\n        \/\/console.log(\"avgAssets value is \" + avgAssets);\n        document.getElementById(\"input_11_307\").value = formatCurrency(avgAssets);\n        document.getElementById(\"input_11_301\").value = formatCurrency(avgAssets);\n    }\n\n\n    \/* Rate of Return on Farm Assets *\/\n\n    function setRateReturnOnAssets() {\n        \/\/console.log(\"set rate of return on assets function fired\");\n        if (netIncome + interest - valueLabor >= 0 && avgAssets > 0) {\n            rateReturnOnAssets = returnOnAssets \/ avgAssets * 100;\n        } else if (netIncome + interest - valueLabor < 0) {\n            rateReturnOnAssets = 0;\n        } else {\n            rateReturnOnAssets = 0;\n        }\n\n        showRateReturnOnAssets();\n\n        \/\/console.log(\"ratereturnOnAssets is \" + rateReturnOnAssets);\n    }\n\n    function showRateReturnOnAssets() {\n        if (rateReturnOnAssets <= 0) {\n            \/\/console.log(\"rateReturnOnAssets is less than 0 leave at min\");\n            rotateProperty = \"rotate(0deg)\";\n        } else if (rateReturnOnAssets >= 12) {\n            \/\/console.log(\"rateReturnOnAssets is more than 12 leave at max\");\n            rotateProperty = \"rotate(180deg)\";\n        } else {\n            \/\/console.log(\"rateReturnOnAssets is in range\");\n            rotateDeg = ((rateReturnOnAssets) \/ 12 * 180);\n            rotateProperty = \"rotate(\" + rotateDeg + \"deg)\";\n            \/\/console.log(\"rateReturnOnAssets is in range. Rotate Prop \" + rotateProperty);\n        }\n\n        document.getElementById(\"input_11_273\").value = formatPercent(rateReturnOnAssets);\n        $(\"#RateOfReturnOnAssets .dial\").css(\"transform\", rotateProperty);\n    }\n\n    \/* Average Farm Net Worth *\/\n    function setAvgNetWorth($AvgNetWorthInput) {\n        \/\/console.log(\"setAvgNetWorth function fired\");\n        avgNetWorth = $AvgNetWorthInput.val();\n        if (avgNetWorth === \"\") {\n            avgNetWorth = 0;\n        }\n        avgNetWorth = formatNumber(avgNetWorth);\n        \/\/console.log(\"avgnetworth value is \" + avgNetWorth);\n\n        setRateReturnOnEquity();\n        showAvgNetWorth();\n    }\n\n    function showAvgNetWorth() {\n        \/\/console.log(\"avgnetworth value is \" + avgNetWorth);\n        document.getElementById(\"input_11_309\").value = formatCurrency(avgNetWorth);\n    }\n\n    \/* Return on Equity *\/\n    function setReturnOnEquity($returnOnEquityInput) {\n        \/\/console.log(\"setROE function fired\");\n        returnOnEquity = $returnOnEquityInput.val();\n        if (returnOnEquity === \"\") {\n            returnOnEquity = 0;\n        }\n        returnOnEquity = formatNumber(returnOnEquity);\n        \/\/console.log(\"ROE value is \" + returnOnEquity);\n\n        showReturnOnEquity();\n        setRateReturnOnEquity();\n    }\n\n    function showReturnOnEquity() {\n        \/\/console.log(\"ROE value is \" + returnOnEquity);\n        document.getElementById(\"input_11_308\").value = formatCurrency(returnOnEquity);\n    }\n\n\n\n    \/* Rate of Return on Equity*\/\n\n    function setRateReturnOnEquity() {\n        \/\/console.log(\"set rate return on equity function fired\");\n        if (avgNetWorth > 0) {\n            rateReturnOnEquity = returnOnEquity \/ avgNetWorth * 100;\n        } else {\n            rateReturnOnEquity = 0;\n        }\n\n        showRateReturnOnEquity();\n\n        \/\/console.log(\"rateReturnOnEquity is \" + rateReturnOnEquity);\n    }\n\n    function showRateReturnOnEquity() {\n        if (rateReturnOnEquity <= 0) {\n            \/\/console.log(\"rateReturnOnEquity is less than 0 leave at min\");\n            rotateProperty = \"rotate(0deg)\";\n        } else if (rateReturnOnEquity >= 13) {\n            \/\/console.log(\"rateReturnOnEquity is more than 13 leave at max\");\n            rotateProperty = \"rotate(180deg)\";\n        }\n\n        \/*graphic will be changed so no correction needed*\/\n        else {\n            \/\/console.log(\"rateReturnOnEquity is in range\");\n            rotateDeg = ((rateReturnOnEquity) \/ 13 * 180);\n            rotateProperty = \"rotate(\" + rotateDeg + \"deg)\";\n            \/\/console.log(\"rateReturnOnEquity is in range. Rotate Prop \" + rotateProperty);\n        }\n\n        document.getElementById(\"input_11_274\").value = formatPercent(rateReturnOnEquity);\n        $(\"#RateOfReturnOnEquity .dial\").css(\"transform\", rotateProperty);\n    }\n\n\n\n    \/* Operating Profit Margin *\/\n    \/* Value of Farm Production *\/\n    function setValueProd($valueProdInput) {\n        \/\/console.log(\"setvalueprod function fired\");\n        valueProd = $valueProdInput.val();\n        if (valueProd === \"\") {\n            valueProd = 0;\n        }\n        valueProd = formatNumber(valueProd);\n        \/\/console.log(\"valueprod value is \" + valueProd);\n\n        showValueProd();\n        setOperatingProfitMargin();\n        setAssetTurnoverRate();\n    }\n\n    function showValueProd() {\n        \/\/console.log(\"valueprod value is \" + valueProd);\n        document.getElementById(\"input_11_169\").value = formatCurrency(valueProd);\n        document.getElementById(\"input_11_210\").value = formatCurrency(valueProd);\n    }\n\n    \/* Inventory Change of Crops *\/\n    function setInventoryChangeOfCrops($inventoryChangeOfCropsInput) {\n        \/\/console.log(\"setinventorychangeofcrops function fired\");\n        inventoryChangeOfCrops = $inventoryChangeOfCropsInput.val();\n        if (inventoryChangeOfCrops === \"\") {\n            inventoryChangeOfCrops = 0;\n        }\n        inventoryChangeOfCrops = formatNumber(inventoryChangeOfCrops);\n        \/\/console.log(\"otherincome value is \" + inventoryChangeOfCrops);\n\n        showInventoryChangeOfCrops()\n    }\n\n    \/*function showInventoryChangeOfCrops(){\n    \t\/\/console.log(\"otherincome value is \"+ inventoryChangeOfCrops);\n    \tdocument.getElementById(\"input_11_190\").value = formatCurrency(inventoryChangeOfCrops);\n    }*\/\n\n\n    \/* Feeder Livestock Purchased\n    function setFeederLivestock($feederLivestockInput){\n    \t\/\/console.log(\"setfeederlivestock function fired\");\n    \tfeederLivestock = $feederLivestockInput.val();\n    \tif(feederLivestock === \"\"){\n    \t\tfeederLivestock = 0;}\n    \tfeederLivestock = formatNumber(feederLivestock);\n    \t\/\/console.log(\"feederlivestock value is \"+ feederLivestock);\n    \tshowFeederLivestock();\n    }\n\n    function showFeederLivestock(){\n    \t\/\/console.log(\"feederlivestock value is \"+ feederLivestock);\n    \tdocument.getElementById(\"input_11_191\").value = formatCurrency(feederLivestock);\n    }*\/\n\n    \/* Purchased Feed\n    function setPurchasedFeed($purchasedFeedInput){\n    \t\/\/console.log(\"setpurchfeed function fired\");\n    \tpurchasedFeed = $purchasedFeedInput.val();\n    \tif(purchasedFeed === \"\"){\n    \t\tpurchasedFeed = 0;}\n    \tpurchasedFeed = formatNumber(purchasedFeed);\n    \t\/\/console.log(\"purchfeed value is \"+ purchasedFeed);\n    \tshowPurchasedFeed()\n    }\n\n    function showPurchasedFeed(){\n    \t\/\/console.log(\"purchfeed value is \"+ purchasedFeed);\n    \tdocument.getElementById(\"input_11_192\").value = formatCurrency(purchasedFeed);\n    }*\/\n\n    \/* Operating Profit Margin *\/\n\n    function setOperatingProfitMargin() {\n        \/\/console.log(\"set operating profit margin function fired\");\n\n        \/*valueProd = (grossCashIncome + operatingRevenue - otherIncome - feederLivestock - purchFeed);*\/\n\n        if (returnOnAssets >= 0 && valueProd > 0) {\n            operatingProfitMargin = returnOnAssets \/ valueProd * 100;\n        } else if (returnOnAssets < 0) {\n            operatingProfitMargin = 0;\n        } else if (valueProd < 0) {\n            operatingProfitMargin = 0;\n        } else if (valueProd == 0) {\n            operatingProfitMargin = 0;\n        } else {\n            operatingProfitMargin = 0;\n        }\n\n        showOperatingProfitMargin();\n\n        \/\/console.log(\"operatingProfitMargin is \" + operatingProfitMargin);\n    }\n\n    function showOperatingProfitMargin() {\n        if (operatingProfitMargin <= 0) {\n            \/\/console.log(\"operatingProfitMargin is less than 0 leave at min\");\n            rotateProperty = \"rotate(0deg)\";\n        } else if (operatingProfitMargin >= 35) {\n            \/\/console.log(\"operatingProfitMargin is more than 35 leave at max\");\n            rotateProperty = \"rotate(180deg)\";\n        } else {\n            \/\/console.log(\"operatingProfitMargin is in range\");\n            rotateDeg = ((operatingProfitMargin - 5) \/ 30 * 180);\n            rotateProperty = \"rotate(\" + rotateDeg + \"deg)\";\n            \/\/console.log(\"operatingProfitMargin is in range. Rotate Prop \" + rotateProperty);\n        }\n\n        document.getElementById(\"input_11_299\").value = formatPercent(operatingProfitMargin);\n        $(\"#OperatingProfitMargin .dial\").css(\"transform\", rotateProperty);\n    }\n\n\n\n    \/* EBITDA 263 *\/\n\n    \/* Earnings Before Interest Taxes Depreciation and Amortization (EBITDA) *\/\n\n    function setShowEbitda() {\n        ebitda = netIncome + interestExpense + depAmortExpense;\n        document.getElementById(\"input_11_263\").value = formatCurrency(ebitda);\n    }\n\n    \/* Depreciation and Amortization Expense *\/\n    function setDepAmortExpense($depAmortExpenseInput) {\n        \/\/console.log(\"setdepamortexpense function fired\");\n        depAmortExpense = $depAmortExpenseInput.val();\n        if (depAmortExpense === \"\") {\n            depAmortExpense = 0;\n        }\n        depAmortExpense = formatNumber(depAmortExpense);\n        \/\/console.log(\"depamortexpense value is \" + depAmortExpense);\n        setShowEbitda();\n        showDepAmortExpense();\n    }\n\n    function showDepAmortExpense() {\n        \/\/console.log(\"depamortexpense value is \" + depAmortExpense);\n        document.getElementById(\"input_11_194\").value = formatCurrency(depAmortExpense);\n    }\n\n    \/* Interest Expense *\/\n    function setInterestExpense($setInterestExpenseInput) {\n        \/\/console.log(\"setinterestexpense function fired\");\n        interestExpense = $setInterestExpenseInput.val();\n        if (interestExpense === \"\") {\n            interestExpense = 0;\n        }\n        interestExpense = formatNumber(interestExpense);\n        \/\/console.log(\"interestexpense value is \" + interestExpense);\n        setShowEbitda();\n        showInterestExpense();\n    }\n\n    function showInterestExpense() {\n        \/\/console.log(\"Interestexpense value is \" + interestExpense);\n        document.getElementById(\"input_11_193\").value = formatCurrency(interestExpense);\n    }\n\n    \/* CDR Capacity 264 *\/\n    \/* Capital Debt Repayment Capacity *\/\n\n    \/* Net Non-Farm Income *\/\n    function setNetNonFarmIncome($NetNonFarmIncomeInput) {\n        \/\/console.log(\"setnetnonfarmincome function fired\");\n        netNonFarmIncome = $NetNonFarmIncomeInput.val();\n        if (netNonFarmIncome === \"\") {\n            netNonFarmIncome = 0;\n        }\n        netNonFarmIncome = formatNumber(netNonFarmIncome);\n        \/\/console.log(\"netnonfarmincome value is \" + netNonFarmIncome);\n\n        setShowCapitalDebtRepaymentCapacity();\n        showNetNonFarmIncome();\n\n    }\n\n    function showNetNonFarmIncome() {\n        \/\/console.log(\"netnonfarmincome value is \" + netNonFarmIncome);\n        document.getElementById(\"input_11_196\").value = formatCurrency(netNonFarmIncome);\n    }\n\n    \/* Interest Expense on Term Loans *\/\n    function setInterestExpenseTL($InterestExpenseTLInput) {\n        \/\/console.log(\"setinterestExpenseTL function fired\");\n        if ($InterestExpenseTLInput.val() === \"\") {\n            interestExpenseTL = 0;\n        } else {\n            interestExpenseTL = $InterestExpenseTLInput.val();\n        }\n\n        interestExpenseTL = formatNumber(interestExpenseTL);\n        \/\/console.log(\"interestExpenseTL value is \" + interestExpenseTL);\n\n        setShowCapitalDebtRepaymentCapacity();\n        showInterestExpenseTL();\n\n    }\n\n    function showInterestExpenseTL() {\n        \/\/console.log(\"interestExpenseTL value is \" + interestExpenseTL);\n        document.getElementById(\"input_11_302\").value = formatCurrency(interestExpenseTL);\n    }\n\n    \/* Family Living & Income Taxes *\/\n    function setFamilyLivingIncomeTaxes($familyLivingIncomeTaxesInput) {\n        \/\/console.log(\"setfamilylivingincometaxes function fired\");\n        familyLivingIncomeTaxes = $familyLivingIncomeTaxesInput.val();\n        if (familyLivingIncomeTaxes === \"\") {\n            familyLivingIncomeTaxes = 0;\n        }\n        familyLivingIncomeTaxes = formatNumber(familyLivingIncomeTaxes);\n        \/\/console.log(\"familylivingincometaxes value is \" + familyLivingIncomeTaxes);\n\n        showFamilyLivingIncomeTaxes();\n        setShowCapitalDebtRepaymentCapacity();\n    }\n\n    function showFamilyLivingIncomeTaxes() {\n        \/\/console.log(\"familylivingincometaxes value is \" + familyLivingIncomeTaxes);\n        document.getElementById(\"input_11_197\").value = formatCurrency(familyLivingIncomeTaxes);\n    }\n\n    function setShowCapitalDebtRepaymentCapacity() {\n        capitalDebtRepaymentCapacity = netIncome + depreciation + netNonFarmIncome - familyLivingIncomeTaxes + interestExpenseTL;\n        document.getElementById(\"input_11_264\").value = formatCurrency(capitalDebtRepaymentCapacity);\n        document.getElementById(\"input_11_265\").value = formatCurrency(capitalDebtRepaymentCapacity);\n        document.getElementById(\"input_11_286\").value = formatCurrency(capitalDebtRepaymentCapacity);\n        document.getElementById(\"input_11_287\").value = formatCurrency(capitalDebtRepaymentCapacity);\n\n        setShowCapitalDebtRepaymentMargin();\n        setTermDebtCoverageRatio();\n    }\n\n\n\n    \/* The purpose of the manual functions is to set the variable when the user enters it in another calculator rather than the calc for that specific term. We don't want to fill it up to the calc for that term *\/\n\n    function setShowManualCapitalDebtRepaymentCapacity($manualCapitalDebtRepaymentCapacityInput) {\n        \/\/console.log(\"setShowManualCapitalDebtRepaymentCapacity function fired\");\n\n        if ($manualCapitalDebtRepaymentCapacityInput.val() == capitalDebtRepaymentCapacity) {\n            return;\n        } else if ($manualCapitalDebtRepaymentCapacityInput.val() !== \"\") {\n            capitalDebtRepaymentCapacity = $manualCapitalDebtRepaymentCapacityInput.val();\n        }\n\n        capitalDebtRepaymentCapacity = formatNumber(capitalDebtRepaymentCapacity);\n        \/\/console.log(\"manualCapitalDebtRepaymentCapacity value is \" + CapitalDebtRepaymentCapacity);\n        document.getElementById(\"input_11_265\").value = formatCurrency(capitalDebtRepaymentCapacity);\n        document.getElementById(\"input_11_286\").value = formatCurrency(capitalDebtRepaymentCapacity);\n        document.getElementById(\"input_11_287\").value = formatCurrency(capitalDebtRepaymentCapacity);\n\n        setShowCapitalDebtRepaymentMargin();\n        setTermDebtCoverageRatio();\n        setReplacementMarginCoverageRatio();\n    }\n\n\n\n    \/* CDR Margin*\/\n\n    function setShowCapitalDebtRepaymentMargin() {\n        \/\/console.log(\"setsshowcapitaldebtrepaymentmargin function fired\");\n        capitalDebtRepaymentMargin = capitalDebtRepaymentCapacity - scheduledPrincipalInterest;\n        document.getElementById(\"input_11_272\").value = formatCurrency(capitalDebtRepaymentMargin);\n        document.getElementById(\"input_11_271\").value = formatCurrency(capitalDebtRepaymentMargin);\n\n        setShowReplacementMargin();\n    }\n\n    \/* Scheduled Principal & Interest on Term Loans *\/\n    function setScheduledPrincipalInterest($scheduledPrincipalInterestInput) {\n        \/\/console.log(\"setscheduledprincipalinterest function fired\");\n        scheduledPrincipalInterest = $scheduledPrincipalInterestInput.val();\n        if (scheduledPrincipalInterest === \"\") {\n            scheduledPrincipalInterest = 0;\n        }\n\n        scheduledPrincipalInterest = formatNumber(scheduledPrincipalInterest);\n        \/\/console.log(\"scheduledprincipalinterest value is \" + scheduledPrincipalInterest);\n\n        showScheduledPrincipalInterest();\n        setShowCapitalDebtRepaymentMargin();\n        setTermDebtCoverageRatio();\n        setReplacementMarginCoverageRatio();\n    }\n\n    function showScheduledPrincipalInterest() {\n        \/\/console.log(\"scheduleprincipalinterest value is \" + scheduledPrincipalInterest);\n        document.getElementById(\"input_11_199\").value = formatCurrency(scheduledPrincipalInterest);\n        document.getElementById(\"input_11_216\").value = formatCurrency(scheduledPrincipalInterest);\n        document.getElementById(\"input_11_242\").value = formatCurrency(scheduledPrincipalInterest);\n    }\n\n\n    \/* Replacement Margin 266 *\/\n    \/* Unfunded (cash) capital replacement allowance *\/\n    function setUnfundedCapRep($unfundedCapRepInput) {\n        \/\/console.log(\"setunfundedcaprep function fired\");\n        unfundedCapRep = $unfundedCapRepInput.val();\n        if (unfundedCapRep === \"\") {\n            unfundedCapRep = 0;\n        }\n        unfundedCapRep = formatNumber(unfundedCapRep);\n        \/\/console.log(\"unfundedcaprep value is \" + unfundedCapRep);\n\n        showUnfundedCapRep();\n        setShowReplacementMargin();\n        setReplacementMarginCoverageRatio();\n    }\n\n    function showUnfundedCapRep() {\n        \/\/console.log(\"unfundedcaprep value is \" + unfundedCapRep);\n        document.getElementById(\"input_11_201\").value = formatCurrency(unfundedCapRep);\n        document.getElementById(\"input_11_207\").value = formatCurrency(unfundedCapRep);\n    }\n\n    function setShowManualCapitalDebtRepaymentMargin($capitalDebtRepaymentMarginInput) {\n        \/\/console.log(\"setShowManualCapitalDebtRepaymentMargin function fired\");\n        capitalDebtRepaymentMargin = $capitalDebtRepaymentMarginInput.val();\n        if (capitalDebtRepaymentMargin === \"\") {\n            capitalDebtRepaymentMargin = 0;\n        }\n        capitalDebtRepaymentMargin = formatNumber(capitalDebtRepaymentMargin);\n        \/\/console.log(\"capitalDebtRepaymentMargin manual value is \" + capitalDebtRepaymentMargin);\n        document.getElementById(\"input_11_271\").value = formatCurrency(capitalDebtRepaymentMargin);\n\n        setShowReplacementMargin();\n    }\n\n    function setShowReplacementMargin() {\n        \/\/console.log(\"setsshowcapitaldebtrepaymentmargin function fired\");\n        ReplacementMargin = capitalDebtRepaymentMargin - unfundedCapRep;\n        document.getElementById(\"input_11_266\").value = formatCurrency(ReplacementMargin);\n    }\n\n    \/* Term Debt Coverage Ratio *\/\n\n    function setTermDebtCoverageRatio() {\n        \/\/console.log(\"set tdcr function fired\");\n\n        if (scheduledPrincipalInterest > 0) {\n            termDebtCoverageRatio = capitalDebtRepaymentCapacity \/ scheduledPrincipalInterest;\n        } else {\n            termDebtCoverageRatio = 0;\n        }\n\n        \/\/console.log(\"tdcr value is \" + termDebtCoverageRatio);\n\n        showTermDebtCoverageRatio();\n    }\n\n\n    function showTermDebtCoverageRatio() {\n\n        if (termDebtCoverageRatio > 2.25) {\n            rotateProperty = \"rotate(180deg)\";\n        } else if (termDebtCoverageRatio < .75) {\n            \/\/console.log(\"tdcr is less than .75 leave at min\");\n            rotateProperty = \"rotate(0deg)\";\n        } else {\n            \/\/console.log(\"CR is in range\");\n            rotateDeg = (termDebtCoverageRatio - 0.75) \/ 1.5 * 180;\n            rotateProperty = \"rotate(\" + rotateDeg + \"deg)\";\n            \/\/console.log(\"tdcr is in range. Rotate Prop \" + rotateProperty);\n        }\n\n        document.getElementById(\"input_11_298\").value = termDebtCoverageRatio.toFixed(2);\n        $(\"#TermDebtCoverage .dial\").css(\"transform\", rotateProperty);\n    }\n\n\n\n\n    \/* Replacement Margin Coverage Ratio *\/\n    function setReplacementMarginCoverageRatio() {\n        \/\/console.log(\"setReplacementMarginCoverageRatio function fired\");\n\n        if (scheduledPrincipalInterest + unfundedCapRep > 0) {\n            replacementMarginCoverageRatio = capitalDebtRepaymentCapacity \/ (scheduledPrincipalInterest + unfundedCapRep);\n        } else {\n            replacementMarginCoverageRatio = 0;\n        }\n\n        \/\/console.log(\"rmcr value is \" + replacementMarginCoverageRatio);\n\n        showReplacementMarginCoverageRatio();\n    }\n\n\n    function showReplacementMarginCoverageRatio() {\n\n        if (replacementMarginCoverageRatio > 1.9) {\n            rotateProperty = \"rotate(180deg)\";\n        } else if (replacementMarginCoverageRatio < .7) {\n            \/\/console.log(\"rmcr is less than .7 leave at min\");\n            rotateProperty = \"rotate(0deg)\";\n        } else {\n            \/\/console.log(\"rmcr is in range\");\n            rotateDeg = (replacementMarginCoverageRatio - 0.7) \/ 1.2 * 180;\n            rotateProperty = \"rotate(\" + rotateDeg + \"deg)\";\n            \/\/console.log(\"rmcr is in range. Rotate Prop \" + rotateProperty);\n        }\n\n        document.getElementById(\"input_11_297\").value = replacementMarginCoverageRatio.toFixed(2);\n        $(\"#ReplacementMarginCoverage .dial\").css(\"transform\", rotateProperty);\n    }\n\n\n\n    \/* Operating Expense *\/\n    \/* Total Farm Operating Expense Excluding Interest *\/\n    function setTotalOperatingExpense($totalOperatingExpenseInput) {\n        \/\/console.log(\"settotaloperatingexpense function fired\");\n        totalOperatingExpense = $totalOperatingExpenseInput.val();\n        if (totalOperatingExpense === \"\") {\n            totalOperatingExpense = 0;\n        }\n        totalOperatingExpense = formatNumber(totalOperatingExpense);\n        \/\/console.log(\"totaloperatingexpense value is \" + totalOperatingExpense);\n\n        showTotalOperatingExpense();\n        setOperatingExpenseRatio();\n        setInterestExpenseRatio();\n    }\n\n    function showTotalOperatingExpense() {\n        \/\/console.log(\"totaloperatingexpense value is \" + totalOperatingExpense);\n        document.getElementById(\"input_11_202\").value = formatCurrency(totalOperatingExpense);\n        document.getElementById(\"input_11_205\").value = formatCurrency(totalOperatingExpense);\n    }\n\n    \/* Asset-Turnover Rate *\/\n    function setAssetTurnoverRate() {\n        \/\/console.log(\"setAssetTurnoverRate function fired\");\n\n        if (avgAssets > 0) {\n            assetTurnoverRate = valueProd \/ avgAssets * 100;\n        } else {\n            assetTurnoverRate = 0;\n        }\n\n        \/\/console.log(\"atr value is \" + assetTurnoverRate);\n\n        showAssetTurnoverRate();\n    }\n\n\n    function showAssetTurnoverRate() {\n\n        if (assetTurnoverRate > 60) {\n            rotateProperty = \"rotate(180deg)\";\n        } else if (assetTurnoverRate < 15) {\n            \/\/console.log(\"atr is less than .7 leave at min\");\n            rotateProperty = \"rotate(0deg)\";\n        } else {\n            \/\/console.log(\"atr is in range\");\n            rotateDeg = (assetTurnoverRate - 15) \/ 45 * 180;\n            rotateProperty = \"rotate(\" + rotateDeg + \"deg)\";\n            \/\/console.log(\"atr is in range. Rotate Prop \" + rotateProperty);\n        }\n\n        document.getElementById(\"input_11_291\").value = formatPercent(assetTurnoverRate);\n        $(\"#AssetTurnover .dial\").css(\"transform\", rotateProperty);\n    }\n\n    \/* Operating-Expense Ratio *\/\n    function setOperatingExpenseRatio() {\n        \/\/console.log(\"setOperatingExpenseRatio function fired\");\n\n        if (grossIncome > 0) {\n            operatingExpenseRatio = ((totalOperatingExpense - depreciation) \/ grossIncome) * 100;\n        } else {\n            operatingExpenseRatio = 0;\n        }\n\n        \/\/console.log(\"oer value is \" + operatingExpenseRatio);\n\n        showOperatingExpenseRatio();\n    }\n\n\n    function showOperatingExpenseRatio() {\n\n        if (operatingExpenseRatio > 100) {\n            rotateProperty = \"rotate(180deg)\";\n        } else if (operatingExpenseRatio < 40) {\n            \/\/console.log(\"oer is less than .7 leave at min\");\n            rotateProperty = \"rotate(0deg)\";\n        } else {\n            \/\/console.log(\"oer is in range\");\n            rotateDeg = (operatingExpenseRatio - 40) \/ 60 * 180;\n            rotateProperty = \"rotate(\" + rotateDeg + \"deg)\";\n            \/\/console.log(\"oer is in range. Rotate Prop \" + rotateProperty);\n        }\n\n        document.getElementById(\"input_11_292\").value = formatPercent(operatingExpenseRatio);\n        $(\"#OperatingExpense .dial\").css(\"transform\", rotateProperty);\n    }\n\n\n    \/* Depreciation-Expense Ratio *\/\n    function setDepreciationExpenseRatio() {\n        \/\/console.log(\"setDepreciationExpenseRatio function fired\");\n\n        if (grossIncome > 0) {\n            depreciationExpenseRatio = (depreciation \/ grossIncome) * 100;\n        } else {\n            depreciationExpenseRatio = 0;\n        }\n\n        \/\/console.log(\"der value is \" + depreciationExpenseRatio);\n\n        showDepreciationExpenseRatio();\n    }\n\n\n    function showDepreciationExpenseRatio() {\n\n        if (depreciationExpenseRatio > 15) {\n            rotateProperty = \"rotate(180deg)\";\n        } else if (depreciationExpenseRatio < 0) {\n            \/\/console.log(\"der is less than 0 leave at min\");\n            rotateProperty = \"rotate(0deg)\";\n        } else {\n            \/\/console.log(\"der is in range\");\n            rotateDeg = depreciationExpenseRatio \/ 15 * 180;\n            rotateProperty = \"rotate(\" + rotateDeg + \"deg)\";\n            \/\/console.log(\"der is in range. Rotate Prop \" + rotateProperty);\n        }\n\n        document.getElementById(\"input_11_293\").value = formatPercent(depreciationExpenseRatio);\n        $(\"#DepreciationExpense .dial\").css(\"transform\", rotateProperty);\n    }\n\n\n\n    \/* Interest-Expense Ratio *\/\n    function setInterestExpenseRatio() {\n\n        \/\/console.log(\"setInterestExpenseRatio function fired\");\n\n        if (grossIncome > 0) {\n            interestExpenseRatio = (totalOperatingExpense - depreciation) \/ grossIncome * 100;\n        } else {\n            interestExpenseRatio = 0;\n        }\n\n        \/\/console.log(\"ier value is \" + interestExpenseRatio);\n\n        showInterestExpenseRatio();\n    }\n\n\n    function showInterestExpenseRatio() {\n\n        if (interestExpenseRatio > 15) {\n            rotateProperty = \"rotate(180deg)\";\n        } else if (interestExpenseRatio < 0) {\n            \/\/console.log(\"IER is less than 0 leave at min\");\n            rotateProperty = \"rotate(0deg)\";\n        } else {\n            \/\/console.log(\"ier is in range\");\n            rotateDeg = interestExpenseRatio \/ 15 * 180;\n            rotateProperty = \"rotate(\" + rotateDeg + \"deg)\";\n            \/\/console.log(\"IER is in range. Rotate Prop \" + rotateProperty);\n        }\n\n        document.getElementById(\"input_11_294\").value = formatPercent(interestExpenseRatio);\n        $(\"#InterestExpense .dial\").css(\"transform\", rotateProperty);\n    }\n\n    \/* Net Income Ratio *\/\n    function setNetIncomeRatio() {\n        \/\/console.log(\"setNetIncomeRatio function fired\");\n\n        if (grossIncome > 0) {\n            netIncomeRatio = (netIncome \/ grossIncome) * 100;\n        } else {\n            netIncomeRatio = 0;\n        }\n\n        \/\/console.log(\"net income ratio value is \" + netIncomeRatio);\n\n        showNetIncomeRatio();\n    }\n\n\n    function showNetIncomeRatio() {\n\n        if (netIncomeRatio > 30) {\n            rotateProperty = \"rotate(180deg)\";\n        } else if (netIncomeRatio < 0) {\n            \/\/console.log(\"IER is less than 0 leave at min\");\n            rotateProperty = \"rotate(0deg)\";\n        } else {\n            \/\/console.log(\"net income ratio is in range\");\n            rotateDeg = netIncomeRatio \/ 30 * 180;\n            rotateProperty = \"rotate(\" + rotateDeg + \"deg)\";\n            \/\/console.log(\"IER is in range. Rotate Prop \" + rotateProperty);\n        }\n\n        document.getElementById(\"input_11_295\").value = formatPercent(netIncomeRatio);\n        $(\"#NetFarmIncomeRatio .dial\").css(\"transform\", rotateProperty);\n    }\n\n    function addCommas(nStr) {\n        nStr += '';\n        x = nStr.split('.');\n        x1 = x[0];\n        x2 = x.length > 1 ? '.' + x[1] : '';\n        var rgx = \/(\\d+)(\\d{3})\/;\n        while (rgx.test(x1)) {\n            x1 = x1.replace(rgx, '$1' + ',' + '$2');\n        }\n        return x1 + x2;\n    }\n\n    function formatNumber(theNumber) {\n\n        \/\/console.log(\"the Number to be formatted is\" + theNumber);\n\n        if (typeof theNumber === 'string') {\n            theNumber = parseFloat(theNumber.replace(\/\\$|,\/g, ''));\n        }\n\n        \/\/console.log(\"the Number format is\" + theNumber);\n        return theNumber;\n    }\n\n    function formatCurrency(theNumber) {\n        theNumber = formatNumber(theNumber);\n        theNumber = theNumber.toFixed(2);\n        theNumber = addCommas(theNumber);\n        theNumber = \"$\" + theNumber;\n\n        \/\/console.log(\"the currency format is\" + theNumber);\n        return theNumber;\n    }\n\n    function formatPercent(theNumber) {\n\n        theNumber = Math.round(theNumber);\n        theNumber = addCommas(theNumber);\n        theNumber = theNumber + \"%\";\n\n        \/\/console.log(\"theNumber is\" + theNumber);\n        return theNumber;\n    }\n\n\t\t\n    });\n  }\n});\n\n<\/script>\n<\/div><div id=\"field_11_64\" class=\"gfield gfield--type-html gfield--width-full gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><script>\ndocument.addEventListener('DOMContentLoaded', function() {\n  if (typeof jQuery !== 'undefined') {\n    jQuery(function($) {\n\n    jQuery(document).on( 'keypress', '.gform_wrapper', function (e) {\n        var code = e.keyCode || e.which;\n        if ( code == 13 && ! jQuery( e.target ).is( 'textarea,input[type=\"submit\"],input[type=\"button\"]' ) ) {\n            e.preventDefault();\n            return false;\n        }\n    } );\n\n    });\n  }\n});\n<\/script><\/div><div id=\"field_11_20\" class=\"gfield gfield--type-html gfield--width-full gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><h2 id = \"Liquidity\"><strong>LIQUIDITY<\/strong> is the ability of your farm business to meet financial obligations as they come due &#8211; to generate enough cash to pay your family living expenses and taxes, and make debt payments on time. <\/h2>\n<\/div><div id=\"field_11_12\" class=\"gfield gfield--type-html gfield--width-full ww-calc-description gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><div class = \"ww-calc-wrapper\" id= \"CurrentRatio\">\n\t<div class = \"ww-calc-left-col\">\n\t\t<img decoding=\"async\" class=\"meter\" alt=\"\" src=\"\/wp-content\/uploads\/2021\/12\/CSFP-Meter-Logo-min.png\">\n\n\n\t\t<img decoding=\"async\" class=\"dial\" alt=\"\" src=\"\/wp-content\/uploads\/2021\/12\/CSFP-Meter-Arrow-min.png\">\n\n\t<\/div>\n\n\t<div class = \"ww-calc-right-col\">\n\t<h3>Current Ratio<\/h3>\n\t<h4>= Total Current Farm Assets \/ Total Current Farm Liabilities<\/h4>\n\t<table>\n\t\t\t<tr>\n\t\t\t\t<td>Comfort<\/td>\n\t\t\t\t<td>&gt; 2<\/td>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td>Caution<\/td>\n\t\t\t\t<td>1.3 &#8211; 2<\/td>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td>Danger<\/td>\n\t\t\t\t<td>&lt; 1.3<\/td>\n\t\t\t<\/tr>\n\t<\/table>\n\t<span>CURRENT RATIO measures the extent to which current farm assets,\nif sold tomorrow, would pay off current farm liabilities.<\/span>\n\t<\/div>\n<\/div>\n<\/div><div id=\"field_11_303\" class=\"gfield gfield--type-text gfield--width-third ww-calculator-input ww-third-width field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_303'>Total Current Farm Assets<\/label><div class='ginput_container ginput_container_text'><input name='input_303' id='input_11_303' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_303\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_303'>Total Current Farm Assets<\/div><\/div><div id=\"field_11_304\" class=\"gfield gfield--type-text gfield--width-third ww-calculator-input ww-third-width field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_304'>Total Current Farm Liabilities<\/label><div class='ginput_container ginput_container_text'><input name='input_304' id='input_11_304' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_304\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_304'>Total Current Farm Liabilities<\/div><\/div><div id=\"field_11_246\" class=\"gfield gfield--type-text gfield--width-third ww-calculated-label ww-third-width field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_246'>Current Ratio<\/label><div class='ginput_container ginput_container_text'><input name='input_246' id='input_11_246' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_246\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_246'>Current Ratio<\/div><\/div><div id=\"field_11_245\" class=\"gfield gfield--type-html gfield--width-full ww-calc-button gfield_html gfield_html_formatted field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><img src = \"\/wp-content\/uploads\/2021\/12\/calculate-button.png\" alt=\"a green rectangle that says \"Calculate\"><\/div><div id=\"field_11_18\" class=\"gfield gfield--type-section gsection ww-break field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><h3 class=\"gsection_title\"><\/h3><\/div><div id=\"field_11_17\" class=\"gfield gfield--type-html gfield--width-seven-twelfths ww-calc-description gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><div class=\"ww-calc-wrapper ww-amount-only-description\">\n<div class = \"ww-right-col\" id= \"WorkingCapital\">\n\t<h3>Working Capital<\/h3>\n\t<h4>= Total Current Farm Assets &#8211; Total Current Farm Liabilities<\/h4>\n<span class=\"ww-description\">WORKING CAPITAL tells us the operating capital available in the\nshort term from within the business.<\/span>\n<\/div>\n<\/div><\/div><div id=\"field_11_251\" class=\"gfield gfield--type-text gfield--width-five-twelfths ww-calculated-label ww-amount-only field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_251'>Working Capital<\/label><div class='ginput_container ginput_container_text'><input name='input_251' id='input_11_251' type='text' value='' class='large'  aria-describedby=\"gfield_description_11_251\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_251'>Working Capital<\/div><\/div><div id=\"field_11_9\" class=\"gfield gfield--type-text gfield--width-half ww-calculator-input ww-third-width field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_9'>Total Current Farm Assets<\/label><div class='ginput_container ginput_container_text'><input name='input_9' id='input_11_9' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_9\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_9'>Total Current Farm Assets<\/div><\/div><div id=\"field_11_10\" class=\"gfield gfield--type-text gfield--width-half ww-calculator-input ww-third-width field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_10'>Total Current Farm Liabilities<\/label><div class='ginput_container ginput_container_text'><input name='input_10' id='input_11_10' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_10\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_10'>Total Current Farm Liabilities<\/div><\/div><div id=\"field_11_250\" class=\"gfield gfield--type-html gfield--width-full ww-calc-button gfield_html gfield_html_formatted field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><img src = \"\/wp-content\/uploads\/2021\/12\/calculate-button.png\" alt=\"a green rectangle that says \"Calculate\"><\/div><div id=\"field_11_70\" class=\"gfield gfield--type-section gsection ww-break field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><h3 class=\"gsection_title\"><\/h3><\/div><div id=\"field_11_72\" class=\"gfield gfield--type-html gfield--width-full ww-calc-description gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><div class = \"ww-calc-wrapper\" id= \"WorkingCapitalToGrossRevenues\">\n\t<div class = \"ww-calc-left-col\">\n\t\t<img decoding=\"async\" class=\"meter\" alt=\"\" src=\"\/wp-content\/uploads\/2021\/12\/CSFP-Meter-Working-Capital-Gross-Revenues.jpg\">\n\n\n\t\t<img decoding=\"async\" class=\"dial\" alt=\"\" src=\"\/wp-content\/uploads\/2021\/12\/CSFP-Meter-Arrow-min.png\">\n\n\n\t<\/div>\n\n\t<div class = \"ww-calc-right-col\">\n\t<h3>Working Capital to Gross Revenues<\/h3>\n\t<h4>= Working Capital \/ Gross Farm Income<\/h4>\n\t<table>\n\t\t\t<tr>\n\t\t\t\t<td>Comfort<\/td>\n\t\t\t\t<td>&gt; 30%<\/td>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td>Caution<\/td>\n\t\t\t\t<td>10% &#8211; 30%<\/td>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td>Danger<\/td>\n\t\t\t\t<td>&lt; 10%<\/td>\n\t\t\t<\/tr>\n\t<\/table>\n\t<span>WORKING CAPITAL TO GROSS REVENUES measures operating capital available against the size of the business.<\/span>\n\t<\/div>\n<\/div><\/div><div id=\"field_11_255\" class=\"gfield gfield--type-text gfield--width-third ww-calculated-label ww-third-width field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_255'>Working Capital<\/label><div class='ginput_container ginput_container_text'><input name='input_255' id='input_11_255' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_255\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_255'>Working Capital<br>\n<a href=\"#WorkingCapital\">Click here to Calculate Working Capital<\/a><\/div><\/div><div id=\"field_11_82\" class=\"gfield gfield--type-text gfield--width-third ww-calculator-input ww-third-width field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_82'>Gross Farm Income<\/label><div class='ginput_container ginput_container_text'><input name='input_82' id='input_11_82' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_82\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_82'>Gross Farm Income<\/div><\/div><div id=\"field_11_256\" class=\"gfield gfield--type-text gfield--width-third ww-calculated-label ww-third-width field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_256'>Working Capital to Gross Revenues<\/label><div class='ginput_container ginput_container_text'><input name='input_256' id='input_11_256' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_256\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_256'>Working Capital to Gross Revenues<\/div><\/div><div id=\"field_11_258\" class=\"gfield gfield--type-html gfield--width-full ww-calc-button gfield_html gfield_html_formatted field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><img src = \"\/wp-content\/uploads\/2021\/12\/calculate-button.png\" alt=\"a green rectangle that says \"Calculate\"><\/div><div id=\"field_11_19\" class=\"gfield gfield--type-section gsection ww-break field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><h3 class=\"gsection_title\"><\/h3><\/div><div id=\"field_11_69\" class=\"gfield gfield--type-html gfield--width-full gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><h2 id = \"Solvency\"><strong>SOLVENCY<\/strong> is the ability of your business to pay all its debts if it were sold tomorrow. Solvency is important in evaluating the financial risk and borrowing capacity of the business. <\/h2>\n<\/div><div id=\"field_11_52\" class=\"gfield gfield--type-html gfield--width-full ww-calc-description gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><div class = \"ww-calc-wrapper\" id= \"DebtToAsset\">\n\t<div class = \"ww-calc-left-col\">\n\t\t<img decoding=\"async\" class=\"meter\" alt=\"\" src=\"\/wp-content\/uploads\/2021\/12\/CSFP-Meter-Logo-Reverse-min.png\">\n\n\n\t\t<img decoding=\"async\" class=\"dial\" alt=\"\" src=\"\/wp-content\/uploads\/2021\/12\/CSFP-Meter-Arrow-min.png\">\n\n\n\t<\/div>\n\n\t<div class = \"ww-calc-right-col\">\n\t<h3>Farm Debt-to-Asset Ratio<\/h3>\n\t<h4>= Total Farm Liabilities \/ Total Farm Assets<\/h4>\n\t<table>\n\t\t\t<tr>\n\t\t\t\t<td>Comfort<\/td>\n\t\t\t\t<td>&lt; 30%<\/td>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td>Caution<\/td>\n\t\t\t\t<td>30% &#8211; 60%<\/td>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td>Danger<\/td>\n\t\t\t\t<td>&gt; 60%<\/td>\n\t\t\t<\/tr>\n\t<\/table>\n\t<span>FARM DEBT-TO-ASSET RATIO is the bank&#8217;s share of the business. It compares total farm debt to total farm assets. A higher ratio is an indicator of greater financial risk and lower borrowing capacity.<\/span>\n\t<\/div>\n<\/div>\n<\/div><div id=\"field_11_54\" class=\"gfield gfield--type-text gfield--width-third ww-calculator-input ww-third-width field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_54'>Total Farm Liabilities<\/label><div class='ginput_container ginput_container_text'><input name='input_54' id='input_11_54' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_54\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_54'>Total Farm Liabilities<\/div><\/div><div id=\"field_11_58\" class=\"gfield gfield--type-text gfield--width-third ww-calculator-input ww-third-width field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_58'>Total Farm Assets<\/label><div class='ginput_container ginput_container_text'><input name='input_58' id='input_11_58' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_58\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_58'>Total Farm Assets<\/div><\/div><div id=\"field_11_257\" class=\"gfield gfield--type-text gfield--width-third ww-calculated-label ww-third-width field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_257'>Debt-to-Asset Ratio<\/label><div class='ginput_container ginput_container_text'><input name='input_257' id='input_11_257' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_257\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_257'>Debt-to-Asset Ratio<\/div><\/div><div id=\"field_11_249\" class=\"gfield gfield--type-html gfield--width-full ww-calc-button gfield_html gfield_html_formatted field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><img src = \"\/wp-content\/uploads\/2021\/12\/calculate-button.png\" alt=\"a green rectangle that says \"Calculate\"><\/div><div id=\"field_11_43\" class=\"gfield gfield--type-section gsection ww-break field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><h3 class=\"gsection_title\"><\/h3><\/div><div id=\"field_11_40\" class=\"gfield gfield--type-html gfield--width-full ww-calc-description gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><div class = \"ww-calc-wrapper\" id= \"EquityToAsset\">\n\t<div class = \"ww-calc-left-col\">\n\t\t<img decoding=\"async\" class=\"meter\" alt=\"\" src=\"\/wp-content\/uploads\/2021\/12\/CSFP-Meter-Logo-min.png\">\n\n\t\t<img decoding=\"async\" class=\"dial\" alt=\"\" src=\"\/wp-content\/uploads\/2021\/12\/CSFP-Meter-Arrow-min.png\">\n\n\n\t<\/div>\n\n\t<div class = \"ww-calc-right-col\">\n\t<h3>Farm Equity-to-Asset Ratio<\/h3>\n\t<h4>= Farm Net Worth \/ Total Farm Assets<\/h4>\n\t<table>\n\t\t\t<tr>\n\t\t\t\t<td>Comfort<\/td>\n\t\t\t\t<td>&gt; 70%<\/td>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td>Caution<\/td>\n\t\t\t\t<td>40% &#8211; 70%<\/td>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td>Danger<\/td>\n\t\t\t\t<td>&lt; 40%<\/td>\n\t\t\t<\/tr>\n\t<\/table>\n\t<span>FARM EQUITY-TO-ASSET RATIO is your share of the business. It compares farm equity to total farm assets. If you add the debt-to-asset ratio and the equity-to-asset ratio you must get 100%.<\/span>\n\t<\/div>\n<\/div>\n<\/div><div id=\"field_11_81\" class=\"gfield gfield--type-text gfield--width-third ww-calculator-input ww-third-width field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_81'>Farm Net Worth<\/label><div class='ginput_container ginput_container_text'><input name='input_81' id='input_11_81' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_81\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_81'>Farm Net Worth<\/div><\/div><div id=\"field_11_44\" class=\"gfield gfield--type-text gfield--width-third ww-calculator-input ww-third-width field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_44'>Total Farm Assets<\/label><div class='ginput_container ginput_container_text'><input name='input_44' id='input_11_44' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_44\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_44'>Total Farm Assets<\/div><\/div><div id=\"field_11_259\" class=\"gfield gfield--type-text gfield--width-third ww-calculated-label ww-third-width field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_259'>Equity-to-Asset Ratio<\/label><div class='ginput_container ginput_container_text'><input name='input_259' id='input_11_259' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_259\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_259'>Equity-to-Asset Ratio<\/div><\/div><div id=\"field_11_248\" class=\"gfield gfield--type-html gfield--width-full ww-calc-button gfield_html gfield_html_formatted field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><img src = \"\/wp-content\/uploads\/2021\/12\/calculate-button.png\" alt=\"a green rectangle that says \"Calculate\"><\/div><div id=\"field_11_61\" class=\"gfield gfield--type-section gsection ww-break field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><h3 class=\"gsection_title\"><\/h3><\/div><div id=\"field_11_41\" class=\"gfield gfield--type-html gfield--width-full ww-calc-description gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><div class = \"ww-calc-wrapper\" id= \"DebtToEquity\">\n\t<div class = \"ww-calc-left-col\">\n\t\t<img decoding=\"async\" class=\"meter\" alt=\"\" src=\"\/wp-content\/uploads\/2021\/12\/CSFP-Meter-Logo-wide.png\">\n\n\n\t\t<img decoding=\"async\" class=\"dial\" alt=\"\" src=\"\/wp-content\/uploads\/2021\/12\/CSFP-Meter-Arrow-min.png\">\n\n\n\t<\/div>\n\n\t<div class = \"ww-calc-right-col\">\n\t<h3>Farm Debt-to-Equity Ratio<\/h3>\n\t<h4>= Total Farm Liabilities \/ Farm Net Worth<\/h4>\n\t<table>\n\t\t\t<tr>\n\t\t\t\t<td>Comfort<\/td>\n\t\t\t\t<td>&gt; 1.5<\/td>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td>Caution<\/td>\n\t\t\t\t<td>.43 &#8211; 1.5<\/td>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td>Danger<\/td>\n\t\t\t\t<td>&lt; .43<\/td>\n\t\t\t<\/tr>\n\t<\/table>\n\t<span>FARM DEBT-TO-EQUITY RATIO compares the bank&#8217;s ownership to your ownership. It also indicates how much the owners have leveraged (i.e., multiplied) their equity in the business.<\/span>\n\t<\/div>\n<\/div>\n<\/div><div id=\"field_11_45\" class=\"gfield gfield--type-text gfield--width-third ww-calculator-input ww-third-width field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_45'>Total Farm Liabilities<\/label><div class='ginput_container ginput_container_text'><input name='input_45' id='input_11_45' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_45\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_45'>Total Farm Liabilities<\/div><\/div><div id=\"field_11_122\" class=\"gfield gfield--type-text gfield--width-third ww-calculator-input ww-third-width field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_122'>Farm Net Worth<\/label><div class='ginput_container ginput_container_text'><input name='input_122' id='input_11_122' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_122\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_122'>Farm Net Worth<\/div><\/div><div id=\"field_11_260\" class=\"gfield gfield--type-text gfield--width-third ww-calculated-label ww-third-width field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_260'>Debt-to-Equity Ratio<\/label><div class='ginput_container ginput_container_text'><input name='input_260' id='input_11_260' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_260\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_260'>Debt-to-Equity Ratio<\/div><\/div><div id=\"field_11_247\" class=\"gfield gfield--type-html gfield--width-full ww-calc-button gfield_html gfield_html_formatted field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><img src = \"\/wp-content\/uploads\/2021\/12\/calculate-button.png\" alt=\"a green rectangle that says \"Calculate\"><\/div><div id=\"field_11_42\" class=\"gfield gfield--type-section gsection ww-break field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><h3 class=\"gsection_title\"><\/h3><\/div><div id=\"field_11_76\" class=\"gfield gfield--type-html gfield--width-full gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><h2 id = \"Profitability\"><strong>PROFITABILITY<\/strong> is the difference between the value of goods produced and the cost of the resources used in their production. It is the ability of a farm to earn a profit and is a relative measure of success. <\/h2>\n<\/div><div id=\"field_11_131\" class=\"gfield gfield--type-html gfield--width-half ww-calc-description gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><div class = \"ww-calc-wrapper ww-amount-only-description\" id= \"NetFarmIncome\">\n\t<div class = \"ww-calc-right-col\">\n\t<h3>Net Farm Income<\/h3>\n\t<h4>= Gross Cash Farm Income &#8211; Total Cash Farm Expense + OR &#8211; Inventory Changes &#8211; Depreciation<\/h4>\n\t<span>NET FARM INCOME represents return to 3 things (labor, management and equity) that you have invested in the business. It is the reward for investing your unpaid family labor, management and money in the business instead of elsewhere. Anything left in the business, i.e., not taken out for family living and taxes, will increase your farm net worth.<\/span>\n\t<\/div>\n<\/div>\n<\/div><div id=\"field_11_262\" class=\"gfield gfield--type-text gfield--width-half ww-calculated-label ww-amount-only field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_262'>Net Farm Income<\/label><div class='ginput_container ginput_container_text'><input name='input_262' id='input_11_262' type='text' value='' class='large'  aria-describedby=\"gfield_description_11_262\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_262'>Net Farm Income<\/div><\/div><div id=\"field_11_139\" class=\"gfield gfield--type-text gfield--width-third ww-calculator-input ww-third-width field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_139'>Gross Cash Farm Income<\/label><div class='ginput_container ginput_container_text'><input name='input_139' id='input_11_139' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_139\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_139'>Gross Cash Farm Income<\/div><\/div><div id=\"field_11_140\" class=\"gfield gfield--type-text gfield--width-third ww-calculator-input ww-third-width field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_140'>Total Cash Farm Expense<\/label><div class='ginput_container ginput_container_text'><input name='input_140' id='input_11_140' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_140\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_140'>Total Cash Farm Expense<\/div><\/div><div id=\"field_11_310\" class=\"gfield gfield--type-html gfield--width-third gfield_html gfield_html_formatted field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_hidden\"  ><\/div><div id=\"field_11_141\" class=\"gfield gfield--type-text gfield--width-third ww-calculator-input ww-third-width field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_141'>Operating Revenue<\/label><div class='ginput_container ginput_container_text'><input name='input_141' id='input_11_141' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_141\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_141'>Operating Revenue<\/div><\/div><div id=\"field_11_143\" class=\"gfield gfield--type-text gfield--width-third ww-calculator-input ww-third-width field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_143'>Inventory Changes<\/label><div class='ginput_container ginput_container_text'><input name='input_143' id='input_11_143' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_143\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_143'>Inventory Changes<\/div><\/div><div id=\"field_11_142\" class=\"gfield gfield--type-text gfield--width-third ww-calculator-input ww-third-width field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_142'>Depreciation<\/label><div class='ginput_container ginput_container_text'><input name='input_142' id='input_11_142' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_142\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_142'>Depreciation<\/div><\/div><div id=\"field_11_254\" class=\"gfield gfield--type-html gfield--width-full ww-calc-button gfield_html gfield_html_formatted field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><img src = \"\/wp-content\/uploads\/2021\/12\/calculate-button.png\" alt=\"a green rectangle that says \"Calculate\"><\/div><div id=\"field_11_118\" class=\"gfield gfield--type-section gsection ww-break field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><h3 class=\"gsection_title\"><\/h3><\/div><div id=\"field_11_134\" class=\"gfield gfield--type-html gfield--width-full ww-calc-description gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><div class = \"ww-calc-wrapper\" id= \"RateOfReturnOnAssets\">\n\t<div class = \"ww-calc-left-col\">\n\t\t<img decoding=\"async\" class=\"meter\" alt=\"\" src=\"\/wp-content\/uploads\/2021\/12\/CSFP-Meter-Logo-min.png\">\n\n\t\t<img decoding=\"async\" class=\"dial\" alt=\"\" src=\"\/wp-content\/uploads\/2021\/12\/CSFP-Meter-Arrow-min.png\">\n\n\n\t<\/div>\n\n\t<div class = \"ww-calc-right-col\">\n\t<h3>Rate of Return on Farm Assets<\/h3>\n\t<h4>= Return on Farm Assets (Net Farm Income + Farm Interest &#8211;\tValue of Operator Labor &#038; Management) \/ Average Farm Assets<\/h4>\n\t<table>\n\t\t\t<tr>\n\t\t\t\t<td>Comfort<\/td>\n\t\t\t\t<td>&gt; 8%<\/td>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td>Caution<\/td>\n\t\t\t\t<td>4% &#8211; 8%<\/td>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td>Danger<\/td>\n\t\t\t\t<td>&lt; 4%<\/td>\n\t\t\t<\/tr>\n\t<\/table>\n\t<span>RATE OF RETURN ON FARM ASSETS can be thought of as the average interest rate being earned on all (yours and creditors&#8217;) investments in the farm. Unpaid labor and management are assigned a return before return on farm assets is calculated.<\/span>\n\t<\/div>\n<\/div><\/div><div id=\"field_11_306\" class=\"gfield gfield--type-text gfield--width-third ww-calculator-input ww-third-width field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_306'>Return on Farm Assets<\/label><div class='ginput_container ginput_container_text'><input name='input_306' id='input_11_306' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_306\"    aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_306'>Return on Farm Assets<\/div><\/div><div id=\"field_11_268\" class=\"gfield gfield--type-text gfield--width-third ww-calculated-label ww-third-width field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_hidden\"  ><div class=\"admin-hidden-markup\"><i class=\"gform-icon gform-icon--hidden\" aria-hidden=\"true\" title=\"Este campo est\u00e1 oculto cuando se visualiza el formulario\"><\/i><span>Este campo est\u00e1 oculto cuando se visualiza el formulario<\/span><\/div><label class='gfield_label gform-field-label' for='input_11_268'>Net Farm Income<\/label><div class='ginput_container ginput_container_text'><input name='input_268' id='input_11_268' type='text' value='' class='large'  aria-describedby=\"gfield_description_11_268\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_268'>Net Farm Income<br>\n<a href=\"#NetFarmIncome\">Click here to Calculate Net Farm Income<\/a><\/div><\/div><div id=\"field_11_146\" class=\"gfield gfield--type-text gfield--width-third ww-calculator-input ww-third-width field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_hidden\"  ><div class=\"admin-hidden-markup\"><i class=\"gform-icon gform-icon--hidden\" aria-hidden=\"true\" title=\"Este campo est\u00e1 oculto cuando se visualiza el formulario\"><\/i><span>Este campo est\u00e1 oculto cuando se visualiza el formulario<\/span><\/div><label class='gfield_label gform-field-label' for='input_11_146'>Farm Interest<\/label><div class='ginput_container ginput_container_text'><input name='input_146' id='input_11_146' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_146\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_146'>Farm Interest<\/div><\/div><div id=\"field_11_147\" class=\"gfield gfield--type-text gfield--width-third ww-calculator-input ww-third-width field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_hidden\"  ><div class=\"admin-hidden-markup\"><i class=\"gform-icon gform-icon--hidden\" aria-hidden=\"true\" title=\"Este campo est\u00e1 oculto cuando se visualiza el formulario\"><\/i><span>Este campo est\u00e1 oculto cuando se visualiza el formulario<\/span><\/div><label class='gfield_label gform-field-label' for='input_11_147'>Value of Operator Labor &amp; Management<\/label><div class='ginput_container ginput_container_text'><input name='input_147' id='input_11_147' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_147\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_147'>Value of Operator Labor &#038; Management<\/div><\/div><div id=\"field_11_307\" class=\"gfield gfield--type-text gfield--width-third ww-calculator-input ww-third-width field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_307'>Average Farm Assets<\/label><div class='ginput_container ginput_container_text'><input name='input_307' id='input_11_307' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_307\"    aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_307'>Average Farm Assets<\/div><\/div><div id=\"field_11_273\" class=\"gfield gfield--type-text gfield--width-third ww-calculated-label ww-third-width field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_273'>Rate of Return on Farm Assets<\/label><div class='ginput_container ginput_container_text'><input name='input_273' id='input_11_273' type='text' value='' class='large'  aria-describedby=\"gfield_description_11_273\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_273'>Rate of Return on Farm Assets<\/div><\/div><div id=\"field_11_253\" class=\"gfield gfield--type-html gfield--width-full ww-calc-button gfield_html gfield_html_formatted field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><img src = \"\/wp-content\/uploads\/2021\/12\/calculate-button.png\" alt=\"a green rectangle that says \"Calculate\"><\/div><div id=\"field_11_138\" class=\"gfield gfield--type-section gsection ww-break field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><h3 class=\"gsection_title\"><\/h3><\/div><div id=\"field_11_133\" class=\"gfield gfield--type-html gfield--width-full ww-calc-description gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><div class = \"ww-calc-wrapper\" id= \"RateOfReturnOnEquity\">\n\t<div class = \"ww-calc-left-col\">\n\t\t<img decoding=\"async\" class=\"meter\" alt=\"\" src=\"\/wp-content\/uploads\/2021\/12\/CSFP-Meter-Logo-wide.png\">\n\n\t\t<img decoding=\"async\" class=\"dial\" alt=\"\" src=\"\/wp-content\/uploads\/2021\/12\/CSFP-Meter-Arrow-min.png\">\n\n\n\t<\/div>\n\n\t<div class = \"ww-calc-right-col\">\n\t<h3>Rate of Return on Farm Equity<\/h3>\n\t<h4>= Return on Farm Equity (Net Farm Income &#8211; Value of Operator Labor &#038; Management) \/ Average Farm Net Worth<\/h4>\n\t<table>\n\t\t\t<tr>\n\t\t\t\t<td>Comfort<\/td>\n\t\t\t\t<td>&gt; 10%<\/td>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td>Caution<\/td>\n\t\t\t\t<td>3% &#8211; 10%<\/td>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td>Danger<\/td>\n\t\t\t\t<td>&lt; 3%<\/td>\n\t\t\t<\/tr>\n\t<\/table>\n\t<span>RATE OF RETURN ON FARM EQUITY represents the interest rate being earned by your investment in the farm. This return can be compared to returns available if your equity were invested somewhere else, such as a certificate of deposit.<\/span>\n\t<\/div>\n<\/div><\/div><div id=\"field_11_308\" class=\"gfield gfield--type-text gfield--width-third ww-calculator-input ww-third-width field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_308'>Return on Farm Equity<\/label><div class='ginput_container ginput_container_text'><input name='input_308' id='input_11_308' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_308\"    aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_308'>Return on Farm Equity<\/div><\/div><div id=\"field_11_267\" class=\"gfield gfield--type-text gfield--width-third ww-calculated-label ww-third-width field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_hidden\"  ><div class=\"admin-hidden-markup\"><i class=\"gform-icon gform-icon--hidden\" aria-hidden=\"true\" title=\"Este campo est\u00e1 oculto cuando se visualiza el formulario\"><\/i><span>Este campo est\u00e1 oculto cuando se visualiza el formulario<\/span><\/div><label class='gfield_label gform-field-label' for='input_11_267'>Net Farm Income<\/label><div class='ginput_container ginput_container_text'><input name='input_267' id='input_11_267' type='text' value='' class='large'  aria-describedby=\"gfield_description_11_267\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_267'>Net Farm Income<br>\n<a href=\"#NetFarmIncome\">Click here to Calculate Net Farm Income<\/a><\/div><\/div><div id=\"field_11_156\" class=\"gfield gfield--type-text gfield--width-third ww-calculator-input ww-third-width field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_hidden\"  ><div class=\"admin-hidden-markup\"><i class=\"gform-icon gform-icon--hidden\" aria-hidden=\"true\" title=\"Este campo est\u00e1 oculto cuando se visualiza el formulario\"><\/i><span>Este campo est\u00e1 oculto cuando se visualiza el formulario<\/span><\/div><label class='gfield_label gform-field-label' for='input_11_156'>Value of Operator Labor &amp; Management<\/label><div class='ginput_container ginput_container_text'><input name='input_156' id='input_11_156' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_156\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_156'>Value of Operator Labor &#038; Management<\/div><\/div><div id=\"field_11_309\" class=\"gfield gfield--type-text gfield--width-third ww-calculator-input ww-third-width field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_309'>Average Farm Net Worth<\/label><div class='ginput_container ginput_container_text'><input name='input_309' id='input_11_309' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_309\"    aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_309'>Average Farm Net Worth<\/div><\/div><div id=\"field_11_274\" class=\"gfield gfield--type-text gfield--width-third ww-calculated-label ww-third-width field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_274'>Rate of Return on Farm Equity<\/label><div class='ginput_container ginput_container_text'><input name='input_274' id='input_11_274' type='text' value='' class='large'  aria-describedby=\"gfield_description_11_274\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_274'>Rate of Return on Farm Equity<\/div><\/div><div id=\"field_11_312\" class=\"gfield gfield--type-html gfield--width-third gfield_html gfield_html_formatted field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_hidden\"  ><\/div><div id=\"field_11_252\" class=\"gfield gfield--type-html gfield--width-full ww-calc-button gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><img src = \"\/wp-content\/uploads\/2021\/12\/calculate-button.png\" alt=\"a green rectangle that says \"Calculate\"><\/div><div id=\"field_11_136\" class=\"gfield gfield--type-section gsection ww-break field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><h3 class=\"gsection_title\"><\/h3><\/div><div id=\"field_11_132\" class=\"gfield gfield--type-html gfield--width-full ww-calc-description gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><div class = \"ww-calc-wrapper\" id= \"OperatingProfitMargin\">\n\t<div class = \"ww-calc-left-col\">\n\t\t<img decoding=\"async\" class=\"meter\" alt=\"\" src=\"\/wp-content\/uploads\/2021\/12\/CSFP-Meter-Logo-min.png\">\n\n\t\t<img decoding=\"async\" class=\"dial\" alt=\"\" src=\"\/wp-content\/uploads\/2021\/12\/CSFP-Meter-Arrow-min.png\">\n\n\n\t<\/div>\n\n\t<div class = \"ww-calc-right-col\">\n\t<h3>Operating Profit Margin<\/h3>\n\t<h4>= Return on Farm Assets\/ Value of Farm Production\n(Gross Cash Farm Income + OR &#8211; Inventory Change of Crops, Mkt Lvst, Brdg Lvst &#038; Other Income Items &#8211; Feeder Livestock Purchased &#8211; Purchased Feed) <\/h4>\n\t<table>\n\t\t\t<tr>\n\t\t\t\t<td>Comfort<\/td>\n\t\t\t\t<td>&gt; 25%<\/td>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td>Caution<\/td>\n\t\t\t\t<td>15% &#8211; 25%<\/td>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td>Danger<\/td>\n\t\t\t\t<td>&lt; 15%<\/td>\n\t\t\t<\/tr>\n\t<\/table>\n\t<span>OPERATING PROFIT MARGIN shows the operating efficiency of the business. If expenses are low relative to the value of farm production, the business will have a healthy operating profit margin. A low profit margin can be caused by low product prices, high operating expenses, or inefficient production.<\/span>\n\t<\/div>\n<\/div>\n<\/div><div id=\"field_11_160\" class=\"gfield gfield--type-text gfield--width-third ww-calculator-input ww-third-width field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_160'>Return on Farm Assets<\/label><div class='ginput_container ginput_container_text'><input name='input_160' id='input_11_160' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_160\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_160'>Return on Farm Assets<\/div><\/div><div id=\"field_11_169\" class=\"gfield gfield--type-text gfield--width-third ww-calculator-input ww-third-width field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_169'>Value of Farm Production<\/label><div class='ginput_container ginput_container_text'><input name='input_169' id='input_11_169' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_169\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_169'>Value of Farm Production<\/div><\/div><div id=\"field_11_299\" class=\"gfield gfield--type-text gfield--width-third ww-calculated-label ww-third-width field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_299'>Operating Profit Margin<\/label><div class='ginput_container ginput_container_text'><input name='input_299' id='input_11_299' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_299\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_299'>Operating Profit Margin<\/div><\/div><div id=\"field_11_172\" class=\"gfield gfield--type-text gfield--width-half ww-calculator-input ww-third-width field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_hidden\"  ><div class=\"admin-hidden-markup\"><i class=\"gform-icon gform-icon--hidden\" aria-hidden=\"true\" title=\"Este campo est\u00e1 oculto cuando se visualiza el formulario\"><\/i><span>Este campo est\u00e1 oculto cuando se visualiza el formulario<\/span><\/div><label class='gfield_label gform-field-label' for='input_11_172'>Gross Cash Farm Income<\/label><div class='ginput_container ginput_container_text'><input name='input_172' id='input_11_172' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_172\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_172'>Gross Cash Farm Income<\/div><\/div><div id=\"field_11_166\" class=\"gfield gfield--type-text gfield--width-half ww-calculator-input field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_hidden\"  ><div class=\"admin-hidden-markup\"><i class=\"gform-icon gform-icon--hidden\" aria-hidden=\"true\" title=\"Este campo est\u00e1 oculto cuando se visualiza el formulario\"><\/i><span>Este campo est\u00e1 oculto cuando se visualiza el formulario<\/span><\/div><label class='gfield_label gform-field-label' for='input_11_166'>Operating Revenue<\/label><div class='ginput_container ginput_container_text'><input name='input_166' id='input_11_166' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_166\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_166'>Operating Revenue<\/div><\/div><div id=\"field_11_190\" class=\"gfield gfield--type-text gfield--width-half ww-calculator-input ww-third-width field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_hidden\"  ><div class=\"admin-hidden-markup\"><i class=\"gform-icon gform-icon--hidden\" aria-hidden=\"true\" title=\"Este campo est\u00e1 oculto cuando se visualiza el formulario\"><\/i><span>Este campo est\u00e1 oculto cuando se visualiza el formulario<\/span><\/div><label class='gfield_label gform-field-label' for='input_11_190'>Inventory Change of Crops, Mkt Lvst, Brdg Lvst &amp; Other Income Items<\/label><div class='ginput_container ginput_container_text'><input name='input_190' id='input_11_190' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_190\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_190'>Inventory Change of Crops, Mkt Lvst, Brdg Lvst &#038; Other Income Items<\/div><\/div><div id=\"field_11_191\" class=\"gfield gfield--type-text gfield--width-half ww-calculator-input ww-third-width field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_hidden\"  ><div class=\"admin-hidden-markup\"><i class=\"gform-icon gform-icon--hidden\" aria-hidden=\"true\" title=\"Este campo est\u00e1 oculto cuando se visualiza el formulario\"><\/i><span>Este campo est\u00e1 oculto cuando se visualiza el formulario<\/span><\/div><label class='gfield_label gform-field-label' for='input_11_191'>Feeder Livestock Purchased<\/label><div class='ginput_container ginput_container_text'><input name='input_191' id='input_11_191' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_191\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_191'>Feeder Livestock Purchased<\/div><\/div><div id=\"field_11_192\" class=\"gfield gfield--type-text gfield--width-full ww-calculator-input ww-third-width field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_hidden\"  ><div class=\"admin-hidden-markup\"><i class=\"gform-icon gform-icon--hidden\" aria-hidden=\"true\" title=\"Este campo est\u00e1 oculto cuando se visualiza el formulario\"><\/i><span>Este campo est\u00e1 oculto cuando se visualiza el formulario<\/span><\/div><label class='gfield_label gform-field-label' for='input_11_192'>Purchased Feed<\/label><div class='ginput_container ginput_container_text'><input name='input_192' id='input_11_192' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_192\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_192'>Purchased Feed<\/div><\/div><div id=\"field_11_275\" class=\"gfield gfield--type-html gfield--width-full ww-calc-button gfield_html gfield_html_formatted field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><img src = \"\/wp-content\/uploads\/2021\/12\/calculate-button.png\" alt=\"a green rectangle that says \"Calculate\"><\/div><div id=\"field_11_137\" class=\"gfield gfield--type-section gsection ww-break field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><h3 class=\"gsection_title\"><\/h3><\/div><div id=\"field_11_135\" class=\"gfield gfield--type-html gfield--width-half ww-calc-description gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><div class = \"ww-calc-wrapper ww-amount-only\" id= \"EDITDA\">\n<div class = \"ww-calc-right-col\">\n\t<h3>Earnings Before Interest Taxes Depreciation and Amortization<\/h3>\n\t<h4>= Net Farm Income + Interest Expense + Depreciation and Amortization Expense<\/h4>\n<span class=\"ww-description\">E.B.I.T.D.A. measures earnings available for debt repayment. <\/span>\n\t<\/div>\n<\/div>\n<\/div><div id=\"field_11_263\" class=\"gfield gfield--type-text gfield--width-half ww-calculated-label ww-amount-only field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_263'>EBITDA<\/label><div class='ginput_container ginput_container_text'><input name='input_263' id='input_11_263' type='text' value='' class='large'  aria-describedby=\"gfield_description_11_263\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_263'>EBITDA<\/div><\/div><div id=\"field_11_270\" class=\"gfield gfield--type-text gfield--width-third ww-calculated-label ww-third-width field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_270'>Net Farm Income<\/label><div class='ginput_container ginput_container_text'><input name='input_270' id='input_11_270' type='text' value='' class='large'  aria-describedby=\"gfield_description_11_270\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_270'>Net Farm Income<br>\n<a href=\"#NetFarmIncome\">Click here to Calculate Net Farm Income<\/a><\/div><\/div><div id=\"field_11_193\" class=\"gfield gfield--type-text gfield--width-third ww-calculator-input ww-third-width field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_193'>Interest Expense<\/label><div class='ginput_container ginput_container_text'><input name='input_193' id='input_11_193' type='text' value='' class='large'  aria-describedby=\"gfield_description_11_193\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_193'>Interest Expense<\/div><\/div><div id=\"field_11_194\" class=\"gfield gfield--type-text gfield--width-third ww-calculator-input ww-third-width field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_194'>Depreciation and Amortization Expense<\/label><div class='ginput_container ginput_container_text'><input name='input_194' id='input_11_194' type='text' value='' class='large'  aria-describedby=\"gfield_description_11_194\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_194'>Depreciation and Amortization Expense<\/div><\/div><div id=\"field_11_283\" class=\"gfield gfield--type-html gfield--width-full ww-calc-button gfield_html gfield_html_formatted field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><img src = \"\/wp-content\/uploads\/2021\/12\/calculate-button.png\" alt=\"a green rectangle that says \"Calculate\"><\/div><div id=\"field_11_130\" class=\"gfield gfield--type-section gsection ww-break field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><h3 class=\"gsection_title\"><\/h3><\/div><div id=\"field_11_77\" class=\"gfield gfield--type-html gfield--width-full gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><h2 id = \"RepaymentCapacity\"><strong>REPAYMENT CAPACITY<\/strong> shows the borrower&#8217;s (i.e., your) ability to repay term debts on time. It includes non-farm income and so is not a measure of business performance alone. <\/h2>\n<\/div><div id=\"field_11_125\" class=\"gfield gfield--type-html gfield--width-half ww-calc-description gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><div class = \"ww-calc-wrapper ww-amount-only\" id= \"CapitalDebtRepaymentCapacity\">\n\n\t<div class = \"ww-calc-right-col\">\n\t<h3>Capital Debt Repayment Capacity<\/h3>\n\t<h4>= Net Farm Income + Depreciation + Net Non-Farm Income\n&#8211;\tFamily Living &#038; Income Taxes + Interest Expense on Term Loans<\/h4>\n<span class=\"ww-description\">CAPITAL DEBT REPAYMENT CAPACITY measures the amount generated from farm\nand non-farm sources, to cover debt repayment and capital replacement.<\/span>\n\t<\/div>\n<\/div>\n<\/div><div id=\"field_11_264\" class=\"gfield gfield--type-text gfield--width-half ww-calculated-label ww-amount-only field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_264'>Capital Debt Repayment Capacity<\/label><div class='ginput_container ginput_container_text'><input name='input_264' id='input_11_264' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_264\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_264'>Capital Debt Repayment Capacity<\/div><\/div><div id=\"field_11_269\" class=\"gfield gfield--type-text gfield--width-half ww-calculated-label field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_269'>Net Farm Income<\/label><div class='ginput_container ginput_container_text'><input name='input_269' id='input_11_269' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_269\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_269'>Net Farm Income<br>\n<a href=\"#NetFarmIncome\">Click here to Calculate Net Farm Income<\/a><\/div><\/div><div id=\"field_11_186\" class=\"gfield gfield--type-text gfield--width-half ww-calculator-input field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_186'>Depreciation<\/label><div class='ginput_container ginput_container_text'><input name='input_186' id='input_11_186' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_186\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_186'>Depreciation<\/div><\/div><div id=\"field_11_196\" class=\"gfield gfield--type-text gfield--width-third ww-calculator-input field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_196'>Net Non-Farm Income<\/label><div class='ginput_container ginput_container_text'><input name='input_196' id='input_11_196' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_196\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_196'>Net Non-Farm Income<\/div><\/div><div id=\"field_11_197\" class=\"gfield gfield--type-text gfield--width-third ww-calculator-input field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_197'>Family Living &amp; Income Taxes<\/label><div class='ginput_container ginput_container_text'><input name='input_197' id='input_11_197' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_197\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_197'>Family Living &#038; Income Taxes<\/div><\/div><div id=\"field_11_302\" class=\"gfield gfield--type-text gfield--width-third ww-calculator-input field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_302'>Interest Expense on Term Loans<\/label><div class='ginput_container ginput_container_text'><input name='input_302' id='input_11_302' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_302\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_302'>Interest Expense on Term Loans<\/div><\/div><div id=\"field_11_282\" class=\"gfield gfield--type-html gfield--width-full ww-calc-button gfield_html gfield_html_formatted field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><img src = \"\/wp-content\/uploads\/2021\/12\/calculate-button.png\" alt=\"a green rectangle that says \"Calculate\"><\/div><div id=\"field_11_79\" class=\"gfield gfield--type-section gsection ww-break field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><h3 class=\"gsection_title\"><\/h3><\/div><div id=\"field_11_128\" class=\"gfield gfield--type-html gfield--width-half ww-calc-description gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><div class = \"ww-calc-wrapper ww-amount-only\" id= \"CapitalDebtRepaymentMargin\">\n\n\n\t<div class = \"ww-calc-right-col\">\n\t<h3>Capital Debt Repayment Margin<\/h3>\n\t<h4>= Capital Debt Repayment Capacity &#8211; Scheduled Principal &#038; Interest on Term Loans<\/h4>\n<span class=\"ww-description\">CAPITAL DEBT REPAYMENT MARGIN is the amount of money remaining after all operating expenses, taxes, family living costs, and scheduled debt payments have been made. It&#8217;s really the money left, after paying all bills, that is available for purchasing or financing new machinery, equipment, land or livestock.<\/span>\n\t<\/div>\n<\/div>\n<\/div><div id=\"field_11_272\" class=\"gfield gfield--type-text gfield--width-half ww-calculated-label ww-amount-only field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_272'>Capital Debt Repayment Margin<\/label><div class='ginput_container ginput_container_text'><input name='input_272' id='input_11_272' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_272\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_272'>Capital Debt Repayment Margin<\/div><\/div><div id=\"field_11_265\" class=\"gfield gfield--type-text gfield--width-half ww-calculated-label ww-third-width field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_265'>Capital Debt Repayment Capacity<\/label><div class='ginput_container ginput_container_text'><input name='input_265' id='input_11_265' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_265\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_265'>Capital Debt Repayment Capacity<br>\n<a href=\"#CapitalDebtRepaymentCapacity\">Click here to Calculate CDRC<\/a><\/div><\/div><div id=\"field_11_199\" class=\"gfield gfield--type-text gfield--width-half ww-calculator-input ww-third-width field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_199'>Scheduled Principal &amp; Interest on Term Loans<\/label><div class='ginput_container ginput_container_text'><input name='input_199' id='input_11_199' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_199\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_199'>Scheduled Principal &#038; Interest on Term Loans<\/div><\/div><div id=\"field_11_281\" class=\"gfield gfield--type-html gfield--width-full ww-calc-button gfield_html gfield_html_formatted field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><img src = \"\/wp-content\/uploads\/2021\/12\/calculate-button.png\" alt=\"a green rectangle that says \"Calculate\"><\/div><div id=\"field_11_121\" class=\"gfield gfield--type-section gsection ww-break field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><h3 class=\"gsection_title\"><\/h3><\/div><div id=\"field_11_127\" class=\"gfield gfield--type-html gfield--width-half ww-calc-description gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><div class = \"ww-calc-wrapper ww-amount-only\" id= \"ReplacementMargin\">\n\n\t<div class = \"ww-calc-right-col\">\n\t<h3>Replacement Margin<\/h3>\n\t<h4>= Capital Debt Repayment Margin &#8211; Unfunded (cash) capital replacement allowance<\/h4>\n<span class=\"ww-description\">REPLACEMENT MARGIN the amount of income remaining after paying principal and interest on term loans and unfunded (cash) capital purchases.<\/span>\n\t<\/div>\n<\/div>\n<\/div><div id=\"field_11_266\" class=\"gfield gfield--type-text gfield--width-half ww-calculated-label ww-amount-only field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_266'>Replacement Margin<\/label><div class='ginput_container ginput_container_text'><input name='input_266' id='input_11_266' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_266\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_266'>Replacement Margin<\/div><\/div><div id=\"field_11_271\" class=\"gfield gfield--type-text gfield--width-half ww-calculated-label ww-third-width field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_271'>Capital Debt Repayment Margin<\/label><div class='ginput_container ginput_container_text'><input name='input_271' id='input_11_271' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_271\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_271'>Capital Debt Repayment Margin<br>\n<a href=\"#CapitalDebtRepaymentMargin\">Click here to Calculate CDRM<\/a><\/div><\/div><div id=\"field_11_201\" class=\"gfield gfield--type-text gfield--width-half ww-calculator-input ww-third-width field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_201'>Unfunded (cash) capital replacement allowance<\/label><div class='ginput_container ginput_container_text'><input name='input_201' id='input_11_201' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_201\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_201'>Unfunded (cash) capital replacement allowance<\/div><\/div><div id=\"field_11_280\" class=\"gfield gfield--type-html gfield--width-full ww-calc-button gfield_html gfield_html_formatted field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><img src = \"\/wp-content\/uploads\/2021\/12\/calculate-button.png\" alt=\"a green rectangle that says \"Calculate\"><\/div><div id=\"field_11_119\" class=\"gfield gfield--type-section gsection ww-break field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><h3 class=\"gsection_title\"><\/h3><\/div><div id=\"field_11_126\" class=\"gfield gfield--type-html gfield--width-full ww-calc-description gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><div class = \"ww-calc-wrapper\" id= \"TermDebtCoverage\">\n\t<div class = \"ww-calc-left-col\">\n\t\t<img decoding=\"async\" class=\"meter\" alt=\"\" src=\"\/wp-content\/uploads\/2021\/12\/CSFP-Meter-Logo-min.png\">\n\n\n\t\t<img decoding=\"async\" class=\"dial\" alt=\"\" src=\"\/wp-content\/uploads\/2021\/12\/CSFP-Meter-Arrow-min.png\">\n\n\t<\/div>\n\n\t<div class = \"ww-calc-right-col\">\n\t<h3>Term Debt Coverage Ratio<\/h3>\n\t<h4>= Capital Debt Replacement Capacity \/ Scheduled Principal &#038; Interest on Term Loans<\/h4>\n\t<table>\n\t\t\t<tr>\n\t\t\t\t<td>Comfort<\/td>\n\t\t\t\t<td>&gt; 1.75<\/td>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td>Caution<\/td>\n\t\t\t\t<td>1.25 &#8211; 1.75<\/td>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td>Danger<\/td>\n\t\t\t\t<td>&lt; 1.25<\/td>\n\t\t\t<\/tr>\n\t<\/table>\n\t<span>TERM-DEBT COVERAGE RATIO tells whether your business produced enough income to cover all intermediate and long-term debt payments. A ratio of less than 1.0 indicates that the business had to liquidate inventories, run up open accounts, borrow money, or sell assets to make scheduled payments.<\/span>\n\t<\/div>\n<\/div>\n<\/div><div id=\"field_11_286\" class=\"gfield gfield--type-text gfield--width-third ww-calculated-label ww-third-width field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_286'>Capital Debt Repayment Capacity<\/label><div class='ginput_container ginput_container_text'><input name='input_286' id='input_11_286' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_286\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_286'>Capital Debt Repayment Capacity<br>\n<a href=\"#CapitalDebtRepaymentCapacity\">Click here to Calculate CDRC<\/a><\/div><\/div><div id=\"field_11_216\" class=\"gfield gfield--type-text gfield--width-third ww-calculator-input ww-third-width field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_216'>Scheduled Principal &amp; Interest on Term Loans<\/label><div class='ginput_container ginput_container_text'><input name='input_216' id='input_11_216' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_216\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_216'>Scheduled Principal &#038; Interest on Term Loans<\/div><\/div><div id=\"field_11_298\" class=\"gfield gfield--type-text gfield--width-third ww-calculated-label ww-third-width field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_298'>Term-Debt Coverage Ratio<\/label><div class='ginput_container ginput_container_text'><input name='input_298' id='input_11_298' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_298\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_298'>Term-Debt Coverage Ratio<\/div><\/div><div id=\"field_11_279\" class=\"gfield gfield--type-html gfield--width-full ww-calc-button gfield_html gfield_html_formatted field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><img src = \"\/wp-content\/uploads\/2021\/12\/calculate-button.png\" alt=\"a green rectangle that says \"Calculate\"><\/div><div id=\"field_11_120\" class=\"gfield gfield--type-section gsection ww-break field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><h3 class=\"gsection_title\"><\/h3><\/div><div id=\"field_11_129\" class=\"gfield gfield--type-html gfield--width-full ww-calc-description gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><div class = \"ww-calc-wrapper\" id= \"ReplacementMarginCoverage\">\n\t<div class = \"ww-calc-left-col\">\n\t\t<img decoding=\"async\" class=\"meter\" alt=\"\" src=\"\/wp-content\/uploads\/2021\/12\/CSFP-Meter-Logo-min.png\">\n\n\n\t\t<img decoding=\"async\" class=\"dial\" alt=\"\" src=\"\/wp-content\/uploads\/2021\/12\/CSFP-Meter-Arrow-min.png\">\n\n\n\t<\/div>\n\n\t<div class = \"ww-calc-right-col\">\n\t<h3>Replacement Margin Coverage Ratio<\/h3>\n\t<h4>= Capital Debt Replacement Capacity \/ Scheduled Principal &#038; Interest on Term Loans + Unfunded Capital Replacement Allowance<\/h4>\n\t<table>\n\t\t\t<tr>\n\t\t\t\t<td>Comfort<\/td>\n\t\t\t\t<td>&gt; 1.50<\/td>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td>Caution<\/td>\n\t\t\t\t<td>1.10 &#8211; 1.50<\/td>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td>Danger<\/td>\n\t\t\t\t<td>&lt; 1.10<\/td>\n\t\t\t<\/tr>\n\t<\/table>\n\t<span>REPLACEMENT MARGIN COVERAGE RATIO A ratio under 1.0 indicates that you did not generate enough income to cover term debt payments and unfunded capital purchases.<\/span>\n\t<\/div>\n<\/div><\/div><div id=\"field_11_287\" class=\"gfield gfield--type-text gfield--width-half ww-calculated-label field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_287'>Capital Debt Repayment Capacity<\/label><div class='ginput_container ginput_container_text'><input name='input_287' id='input_11_287' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_287\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_287'>Capital Debt Repayment Capacity<br>\n<a href=\"#CapitalDebtRepaymentCapacity\">Click here to Calculate CDRC<\/a><\/div><\/div><div id=\"field_11_242\" class=\"gfield gfield--type-text gfield--width-half ww-calculator-input field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_242'>Scheduled Principal &amp; Interest on Term Loans<\/label><div class='ginput_container ginput_container_text'><input name='input_242' id='input_11_242' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_242\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_242'>Scheduled Principal &#038; Interest on Term Loans<\/div><\/div><div id=\"field_11_207\" class=\"gfield gfield--type-text gfield--width-half ww-calculator-input field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_207'>Unfunded (cash) capital replacement allowance<\/label><div class='ginput_container ginput_container_text'><input name='input_207' id='input_11_207' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_207\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_207'>Unfunded (cash) capital replacement allowance<\/div><\/div><div id=\"field_11_297\" class=\"gfield gfield--type-text gfield--width-half ww-calculated-label field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_297'>Replacement Margin Coverage Ratio<\/label><div class='ginput_container ginput_container_text'><input name='input_297' id='input_11_297' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_297\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_297'>Replacement Margin Coverage Ratio<\/div><\/div><div id=\"field_11_277\" class=\"gfield gfield--type-html gfield--width-full ww-calc-button gfield_html gfield_html_formatted field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><img src = \"\/wp-content\/uploads\/2021\/12\/calculate-button.png\" alt=\"a green rectangle that says \"Calculate\"><\/div><div id=\"field_11_80\" class=\"gfield gfield--type-section gsection ww-break field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><h3 class=\"gsection_title\"><\/h3><\/div><div id=\"field_11_78\" class=\"gfield gfield--type-html gfield--width-full ww-calc-description gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><h2 id = \"FinancialEfficiency\"><strong>FINANCIAL EFFICIENCY<\/strong> shows how effectively your business uses assets to generate income. Past performance of the business could well indicate potential future accomplishments. <\/h2>\n<div>\n<span>It also answers the questions:<\/span>\n<ul>\n<li>Are you using every available asset to its fullest potential?<\/li>\n<li>What are the effects of production, purchasing, pricing, financing and marketing decisions on gross income?<\/li>\n<\/ul>\n<\/div><\/div><div id=\"field_11_88\" class=\"gfield gfield--type-html gfield--width-full gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><div class = \"ww-calc-wrapper\" id= \"AssetTurnover\">\n\t<div class = \"ww-calc-left-col\">\n\t\t<img decoding=\"async\" class=\"meter\" alt=\"\" src=\"\/wp-content\/uploads\/2021\/12\/CSFP-Meter-Logo-min.png\">\n\n\t\t<img decoding=\"async\" class=\"dial\" alt=\"\" src=\"\/wp-content\/uploads\/2021\/12\/CSFP-Meter-Arrow-min.png\">\n\n\n\t<\/div>\n\n\t<div class = \"ww-calc-right-col\">\n\t<h3>Asset-Turnover Rate<\/h3>\n\t<h4>= Value of Farm Production \/ Average Farm Assets<\/h4>\n\t<table>\n\t\t\t<tr>\n\t\t\t\t<td>Comfort<\/td>\n\t\t\t\t<td>&gt; 45%<\/td>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td>Caution<\/td>\n\t\t\t\t<td>30% &#8211; 45%<\/td>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td>Danger<\/td>\n\t\t\t\t<td>&lt; 30%<\/td>\n\t\t\t<\/tr>\n\t<\/table>\n\t<span>ASSET-TURNOVER RATE measures efficiency in using capital. You could think of it as capital productivity. Generating a high level of production with a low level of capital investment will give a high asset-turnover rate. If, on the other hand, the turnover is low you will want to explore methods to use the capital invested much more efficiently or sell some low-return investments. (It could mean getting rid of that swamp and ledge on the back 40 and getting something that produces income.) The last four ratios show how Gross Farm Income is used. The sum of the four equals 100% (of Gross Farm Income).\n<\/span>\n\t<\/div>\n<\/div><\/div><div id=\"field_11_210\" class=\"gfield gfield--type-text gfield--width-third ww-calculator-input ww-third-width field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_210'>Value of Farm Production<\/label><div class='ginput_container ginput_container_text'><input name='input_210' id='input_11_210' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_210\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_210'>Value of Farm Production<\/div><\/div><div id=\"field_11_301\" class=\"gfield gfield--type-text gfield--width-third ww-calculator-input ww-third-width field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_301'>Average Farm Assets<\/label><div class='ginput_container ginput_container_text'><input name='input_301' id='input_11_301' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_301\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_301'>Average Farm Assets<\/div><\/div><div id=\"field_11_291\" class=\"gfield gfield--type-text gfield--width-third ww-calculated-label ww-third-width field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_291'>Asset-Turnover Rate<\/label><div class='ginput_container ginput_container_text'><input name='input_291' id='input_11_291' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_291\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_291'>Asset-Turnover Rate<\/div><\/div><div id=\"field_11_278\" class=\"gfield gfield--type-html gfield--width-full ww-calc-button gfield_html gfield_html_formatted field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><img src = \"\/wp-content\/uploads\/2021\/12\/calculate-button.png\" alt=\"a green rectangle that says \"Calculate\"><\/div><div id=\"field_11_115\" class=\"gfield gfield--type-section gsection ww-break field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><h3 class=\"gsection_title\"><\/h3><\/div><div id=\"field_11_109\" class=\"gfield gfield--type-html gfield--width-full ww-calc-description gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><div class = \"ww-calc-wrapper\" id= \"OperatingExpense\">\n\t<div class = \"ww-calc-left-col\">\n\t\t<img decoding=\"async\" class=\"meter\" alt=\"\" src=\"\/wp-content\/uploads\/2021\/12\/CSFP-Meter-Logo-Reverse-min.png\">\n\n\n\t\t<img decoding=\"async\" class=\"dial\" alt=\"\" src=\"\/wp-content\/uploads\/2021\/12\/CSFP-Meter-Arrow-min.png\">\n\n\t<\/div>\n\n\t<div class = \"ww-calc-right-col\">\n\t<h3>Operating-Expense Ratio<\/h3>\n\t<h4>= Total Farm Operating Expense Excluding Interest &#8211;\tDepreciation \/ Gross Farm Income<\/h4>\n\t<table>\n\t\t\t<tr>\n\t\t\t\t<td>Comfort<\/td>\n\t\t\t\t<td>&lt; 60%<\/td>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td>Caution<\/td>\n\t\t\t\t<td>60% &#8211; 80%<\/td>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td>Danger<\/td>\n\t\t\t\t<td>&gt; 80%<\/td>\n\t\t\t<\/tr>\n\t<\/table>\n\t<span>OPERATING-EXPENSE RATIO shows the proportion of farm income that is used to pay operating expenses, not including principal or interest.<\/span>\n\t<\/div>\n<\/div>\n<\/div><div id=\"field_11_202\" class=\"gfield gfield--type-text gfield--width-half ww-calculator-input field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_202'>Total Farm Operating Expense Excluding Interest<\/label><div class='ginput_container ginput_container_text'><input name='input_202' id='input_11_202' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_202\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_202'>Total Farm Operating Expense Excluding Interest<\/div><\/div><div id=\"field_11_182\" class=\"gfield gfield--type-text gfield--width-half ww-calculator-input field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_182'>Depreciation<\/label><div class='ginput_container ginput_container_text'><input name='input_182' id='input_11_182' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_182\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_182'>Depreciation<\/div><\/div><div id=\"field_11_90\" class=\"gfield gfield--type-text gfield--width-half ww-calculator-input field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_90'>Gross Farm Income<\/label><div class='ginput_container ginput_container_text'><input name='input_90' id='input_11_90' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_90\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_90'>Gross Farm Income<\/div><\/div><div id=\"field_11_292\" class=\"gfield gfield--type-text gfield--width-half ww-calculated-label field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_292'>Operating-Expense Ratio<\/label><div class='ginput_container ginput_container_text'><input name='input_292' id='input_11_292' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_292\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_292'>Operating-Expense Ratio<\/div><\/div><div id=\"field_11_276\" class=\"gfield gfield--type-html gfield--width-full ww-calc-button gfield_html gfield_html_formatted field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><img src = \"\/wp-content\/uploads\/2021\/12\/calculate-button.png\" alt=\"a green rectangle that says \"Calculate\"><\/div><div id=\"field_11_116\" class=\"gfield gfield--type-section gsection ww-break field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><h3 class=\"gsection_title\"><\/h3><\/div><div id=\"field_11_110\" class=\"gfield gfield--type-html gfield--width-full ww-calc-description gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><div class = \"ww-calc-wrapper\" id= \"DepreciationExpense\">\n\t<div class = \"ww-calc-left-col\">\n\t\t<img decoding=\"async\" class=\"meter\" alt=\"\" src=\"\/wp-content\/uploads\/2021\/12\/CSFP-Meter-Logo-Reverse-min.png\">\n\n\n\t\t<img decoding=\"async\" class=\"dial\" alt=\"\" src=\"\/wp-content\/uploads\/2021\/12\/CSFP-Meter-Arrow-min.png\">\n\n\t<\/div>\n\n\t<div class = \"ww-calc-right-col\">\n\t<h3>Depreciation-Expense Ratio<\/h3>\n\t<h4>= Depreciation \/ Gross Farm Income<\/h4>\n\t<table>\n\t\t\t<tr>\n\t\t\t\t<td>Comfort<\/td>\n\t\t\t\t<td>&lt; 5%<\/td>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td>Caution<\/td>\n\t\t\t\t<td>5% &#8211; 10%<\/td>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td>Danger<\/td>\n\t\t\t\t<td>&gt; 10%<\/td>\n\t\t\t<\/tr>\n\t<\/table>\n\t<span>DEPRECIATION-EXPENSE RATIO indicates how fast the business wears out capital. It tells what proportion of farm income is needed to maintain the capital used by the business.<\/span>\n\t<\/div>\n<\/div><\/div><div id=\"field_11_178\" class=\"gfield gfield--type-text gfield--width-third ww-calculator-input ww-third-width field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_178'>Depreciation<\/label><div class='ginput_container ginput_container_text'><input name='input_178' id='input_11_178' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_178\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_178'>Depreciation<\/div><\/div><div id=\"field_11_96\" class=\"gfield gfield--type-text gfield--width-third ww-calculator-input ww-third-width field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_96'>Gross Farm Income<\/label><div class='ginput_container ginput_container_text'><input name='input_96' id='input_11_96' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_96\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_96'>Gross Farm Income<\/div><\/div><div id=\"field_11_293\" class=\"gfield gfield--type-text gfield--width-third ww-calculated-label ww-third-width field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_293'>Depreciation-Expense Ratio<\/label><div class='ginput_container ginput_container_text'><input name='input_293' id='input_11_293' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_293\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_293'>Depreciation-Expense Ratio<\/div><\/div><div id=\"field_11_285\" class=\"gfield gfield--type-html gfield--width-full ww-calc-button gfield_html gfield_html_formatted field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><img src = \"\/wp-content\/uploads\/2021\/12\/calculate-button.png\" alt=\"a green rectangle that says \"Calculate\"><\/div><div id=\"field_11_117\" class=\"gfield gfield--type-section gsection ww-break field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><h3 class=\"gsection_title\"><\/h3><\/div><div id=\"field_11_113\" class=\"gfield gfield--type-html gfield--width-full ww-calc-description gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><div class = \"ww-calc-wrapper\" id= \"InterestExpense\">\n\t<div class = \"ww-calc-left-col\">\n\t\t<img decoding=\"async\" class=\"meter\" alt=\"\" src=\"\/wp-content\/uploads\/2021\/12\/CSFP-Meter-Logo-Reverse-min.png\">\n\n\n\t\t<img decoding=\"async\" class=\"dial\" alt=\"\" src=\"\/wp-content\/uploads\/2021\/12\/CSFP-Meter-Arrow-min.png\">\n\n\n\t<\/div>\n\n\t<div class = \"ww-calc-right-col\">\n\t<h3>Interest-Expense Ratio<\/h3>\n\t<h4>= Total Farm Operating Expense Excluding Interest &#8211;\tDepreciation \/ Gross Farm Income<\/h4>\n\t<table>\n\t\t\t<tr>\n\t\t\t\t<td>Comfort<\/td>\n\t\t\t\t<td>&lt; 5%<\/td>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td>Caution<\/td>\n\t\t\t\t<td>5% &#8211; 10%<\/td>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td>Danger<\/td>\n\t\t\t\t<td>&gt; 10%<\/td>\n\t\t\t<\/tr>\n\t<\/table>\n\t<span>INTEREST-EXPENSE RATIO shows how much of gross farm income is used to pay for interest on borrowed capital.<\/span>\n\t<\/div>\n<\/div><\/div><div id=\"field_11_205\" class=\"gfield gfield--type-text gfield--width-half ww-calculator-input field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_205'>Total Farm Operating Expense Excluding Interest<\/label><div class='ginput_container ginput_container_text'><input name='input_205' id='input_11_205' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_205\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_205'>Total Farm Operating Expense Excluding Interest<\/div><\/div><div id=\"field_11_230\" class=\"gfield gfield--type-text gfield--width-half ww-calculator-input field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_230'>Depreciation<\/label><div class='ginput_container ginput_container_text'><input name='input_230' id='input_11_230' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_230\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_230'>Depreciation<\/div><\/div><div id=\"field_11_91\" class=\"gfield gfield--type-text gfield--width-half ww-calculator-input field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_91'>Gross Farm Income<\/label><div class='ginput_container ginput_container_text'><input name='input_91' id='input_11_91' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_91\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_91'>Gross Farm Income<\/div><\/div><div id=\"field_11_294\" class=\"gfield gfield--type-text gfield--width-half ww-calculated-label field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_294'>Interest-Expense Ratio<\/label><div class='ginput_container ginput_container_text'><input name='input_294' id='input_11_294' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_294\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_294'>Interest-Expense Ratio<\/div><\/div><div id=\"field_11_284\" class=\"gfield gfield--type-html gfield--width-full ww-calc-button gfield_html gfield_html_formatted field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><img src = \"\/wp-content\/uploads\/2021\/12\/calculate-button.png\" alt=\"a green rectangle that says \"Calculate\"><\/div><div id=\"field_11_114\" class=\"gfield gfield--type-section gsection ww-break field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><h3 class=\"gsection_title\"><\/h3><\/div><div id=\"field_11_112\" class=\"gfield gfield--type-html gfield--width-full ww-calc-description gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><div class = \"ww-calc-wrapper\" id= \"NetFarmIncomeRatio\">\n\t<div class = \"ww-calc-left-col\">\n\t\t<img decoding=\"async\" class=\"meter\" alt=\"\" src=\"\/wp-content\/uploads\/2021\/12\/CSFP-Meter-Logo-min.png\">\n\n\n\t\t<img decoding=\"async\" class=\"dial\" alt=\"\" src=\"\/wp-content\/uploads\/2021\/12\/CSFP-Meter-Arrow-min.png\">\n\n\n\t<\/div>\n\n\t<div class = \"ww-calc-right-col\">\n\t<h3>Net Farm Income Ratio<\/h3>\n\t<h4>= Net Farm Income \/ Gross Farm Income<\/h4>\n\t<table>\n\t\t\t<tr>\n\t\t\t\t<td>Comfort<\/td>\n\t\t\t\t<td>&gt; 20%<\/td>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td>Caution<\/td>\n\t\t\t\t<td>10% &#8211; 20%<\/td>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td>Danger<\/td>\n\t\t\t\t<td>&lt; 10%<\/td>\n\t\t\t<\/tr>\n\t<\/table>\n\t<span>NET FARM INCOME RATIO compares profit to gross farm income. It shows how much is left after all farm expenses, except for unpaid labor and management, are paid.\n<\/span>\n\t<\/div>\n<\/div><\/div><div id=\"field_11_296\" class=\"gfield gfield--type-text gfield--width-third ww-calculated-label ww-third-width field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_296'>Net Farm Income<\/label><div class='ginput_container ginput_container_text'><input name='input_296' id='input_11_296' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_296\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_296'>Net Farm Income<br>\n<a href=\"#NetFarmIncome\">Click here to Calculate Net Farm Income<\/a><\/div><\/div><div id=\"field_11_104\" class=\"gfield gfield--type-text gfield--width-third ww-calculator-input ww-third-width field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_104'>Gross Farm Income<\/label><div class='ginput_container ginput_container_text'><input name='input_104' id='input_11_104' type='text' value='' class='medium'  aria-describedby=\"gfield_description_11_104\"  placeholder='0'  aria-invalid=\"false\"   \/><\/div><div class='gfield_description' id='gfield_description_11_104'>Gross Farm Income<\/div><\/div><div id=\"field_11_295\" class=\"gfield gfield--type-number gfield--width-third ww-calculated-label ww-third-width field_sublabel_below gfield--has-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_295'>Net Farm Income Ratio<\/label><div class='ginput_container ginput_container_number'><input name='input_295' id='input_11_295' type='text' step='any'   value='' class='medium'    placeholder='0'  aria-invalid=\"false\" aria-describedby=\"gfield_description_11_295\" \/><\/div><div class='gfield_description' id='gfield_description_11_295'>Net Farm Income Ratio<\/div><\/div><div id=\"field_11_16\" class=\"gfield gfield--type-email gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_16'>Please enter your email and click &quot;Send&quot; if you would like a summary of your calculations<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_text\">(Obligatorio)<\/span><\/span><\/label><div class='ginput_container ginput_container_email'>\n                            <input name='input_16' id='input_11_16' type='email' value='' class='medium'    aria-required=\"true\" aria-invalid=\"false\"  \/>\n                        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