4. Part of the loan underwriting process is to determine trends/factors on a local, national, and international scale that could impact the repayment ability of a borrower. This was (part) of the Conditions analysis in the credit underwriting project. As an example, factors that various groups identified for apartment complex included demographic trends (move from large cities to smaller cities), local business/education factors (new businesses coming in, growth of universities), etc. While the credit underwriting project was on a residential rental property, many of the examples I have referenced in class were agricultural related. For question 4 , then, complete a brief qualitative analysis by identifying 3 trends/factors that could impact the repayment ability of an agricultural borrower. Once again, these can be local, national, or international. In addition to the trend/factor, briefly discuss how it could impact the ability of the ag borrower to repay the loan. ( 15 Points)