During the recent fodder crisis, concerns regarding access to credit and flexibility around loan repayments have been significant issues for many farmers. My Department has been in regular contact with the banks, co-ops and feed merchants to urge flexibility and co-operation during this time. Both banks and co-ops have asked farmers to contact them to discuss the terms that are available and have indicated that they will show flexibility on the basis that the longer term outlook for farming is positive and prices are strong across most areas.