For the most part, agricultural lenders are still filling out financial statements, calculating cash flow, and taking much of the management responsibility for many of their farm customers. The ultimate need today in agriculture is on-time management. Reasons that this deficiency needs to be pointed out include: 1. Lenders demand financial statements from producers. 2. Producers need to calculate their enterprise break evens regularly. 3. Profit goals and target prices need to be determined for the future. 4. Education is a must for farm producers in light of the 7 year farm bill. 5. Farmers need to re-evaluate their daily time priorities and management skills.