It is never too early or too late for a producer to consider putting together a good set of records and the accompanying financial statements, and maintaining those records from year to year.

We saw a financial disaster in agriculture in the early 1980s as a result of inflated farmland values and the increased borrowing on those values. When the bottom dropped out of the farmland market, we saw loans called in and foreclosures to cover those loans.

This is an opportunity for Missouri producers concerned about the various risks they face each day to learn about and how to use some of the basic tools to manage those risks.

That means making the effort to put records together, preparing financial statements and preparing a business plan, especially if the producer is looking at a new enterprise.

We have a lot of returning people, we're familiar with the system. There's really no reason we shouldn't expect to be playing in the Big 12 title game next year.

We play a tougher schedule, but we can be very good. We have a lot of returning people, and we're familiar with the system. There is no excuse, no reason why we shouldn't be very good and playing in the Big 12 title game.