As a banker from the heartland of the country, an area that has spawned a very large, sophisticated, high-tech international agribusiness, I wonder how many understand either the nature or the extent of the recent changes and problems we have witnessed in the agricultural sector, and whether anyone can predict what the future will bring as a result of these changes., The recent economic damage has been substantial; here in Iowa, land prices have plummeted as much as 50 to 60 percent, a number of rural hanks have c!used , PCAs have frozen stock and losses have been incurred by ag-related businesses large and small.