The Florida citrus industry has undergone significant transition and declining land values since 1990 because world demand has failed to keep pace with increasing production, thus causing lower fruit prices. As a result, some growers are facing trying economic times. Lenders who make land, capital, or operating loans to citrus grove enterprises should closely monitor these properties to avoid a loan default. A management or consultant firm can help head off grove problems by periodically assessing an operation to look for signs of grove decline. If a default situation should occur, a consultant can provide grove care consistent with the owner's goals.