• Consequently, many farmers were unable to service their debt, and delinquencies on loans to major farm lenders-principally banks, the Farm Credit System, life insurance companies, and the Farmers Home Administration-grew substantially.¹⁶

¹⁶ Emanuel Melichar, Turning the Corner on Troubled Farm Debt, 73 FED. RESERVE BULL. 523, 525- 26 (1987).

TWO CONCEPTS OF MEDIATION IN THE FmHA'S FARMER-LENDER  MEDIATION PROGRAM, Leonard L. Riskin