How ACDS reaches a recommendation.

Users can include, remove, and edit operating-margin level, operating-margin growth, ownership-cost growth, comparable-rent growth, renewal-rate, and horizon property-value factors in one combined case. The ACDS starting case remains available as a one-click baseline, while the report lists only the factors actually selected and identifies factors that have no modeled effect. Property-specific and non-financial risks remain in their original sections and the Decision File. Calculations, model version v0.91.0, methodology v0.22.0, and saved-project schema v56 remain unchanged.

Every rotation crop can now be classified as sold, retained for on-farm use on a cost-only basis, or retained with a documented replacement value. Cost-only years require production costs but no yield or feed price; ACDS applies a matching cost-basis credit so useful retained feed is not treated as worthless and no feed operating margin is created. The same production-value choice is available for pasture, long-term forage, annual crops, and perennial areas. Mixed cash-and-feed rotations report valued contribution separately and withhold a complete Buy-versus-Wait support price until retained-feed benefit is documented. This changes the land model to v0.91.0 and the methodology to v0.22.0; the saved-project schema advances to v56 while older valued budgets and projects remain compatible.

The three core operating-margin, renewal-rate, and horizon-value shocks are identified as one combined scenario. Optional real operating-margin, ownership-cost, and comparable-rent growth stresses now mirror the saved growth assumptions and show the entered and stressed rates. The horizon property-value reduction is now applied once, directly below the value projected from the entered real growth assumptions, and no longer changes closing-date collateral headroom. This changes the land model to v0.90.0 and the methodology to v0.21.0; saved inputs and the project-file schema remain compatible.

The interactive decision explorer and matrix now vary purchase price, Year 1 comparable rent, and the saved real workable-land value-growth assumption—the factors that can change the Buy, Rent, or Wait ranking. The entered real rent-growth rate still continues after Year 1. Operating-margin and renewal-rate shocks remain in the separate downside test, where they measure payment and cash-flow pressure. New break-even rent and required horizon property-value thresholds replace the non-decision-changing margin and rate outputs. This changes the land model to v0.89.0; saved inputs and the project-file schema remain compatible.

The entered initial land-loan rate and payment now remain unchanged through the selected initial term. The downside rate increase is added to the entered renewal rate from the first renewal through the remaining financed period. When renewal falls outside the decision horizon, the analyzer identifies that the rate stress has no modeled effect. Scenario cash and DSCR are compared at the first renewal year when applicable, and the same timing is disclosed in the analyzer, Decision File, methodology crosswalk, and professional borrowing-headroom view. This changes the land model to v0.88.0; saved inputs and the project-file schema remain compatible.

Full Review keeps the financing inputs in their established logical order but no longer forces the LTV card below the taller inflation card. Renewal and LTV stack in the left column while inflation occupies the matching right-side space, reducing unnecessary vertical whitespace. Mobile retains a simple single-column sequence. Inputs, required states, calculations, saved projects, and the land model version are unchanged.

The financing input now asks for the maximum loan percentage allowed and states that it is a percentage—not the value of existing collateral. A worked example and formula explain how the limit relates to appraised collateral. The basic test is explicitly tied to the parcel being purchased, while Full Review directs existing collateral and its secured debt to the separate Source of funds and security section. Result labels, warnings, policy language, and methodology boundaries now use the same distinction. Calculation formulas, saved projects, and the land model version are unchanged.

Maximum loan-to-appraised value is now labelled Lender’s maximum loan-to-value (LTV), with plain-language guidance that distinguishes it from cash down payment and loan approval. It remains required only for financed purchases and not required for a 100% cash purchase. When a lender limit is not yet known, Guided help can apply a disclosed 75% temporary screening starting point that must be confirmed or replaced before reliance. Collateral formulas, saved projects, and the land model version are unchanged.

Property tax, other ownership costs, operating-margin growth, ownership-cost growth, comparable cash rent, and real rent growth no longer override the shared Concise setting. Their descriptions remain available in Guided. Inputs, units, required states, Ontario benchmarks, validation, and formulas are unchanged.

Routine descriptions beneath the productive-value, cost, rotation, and related Earnings and Rent inputs now follow the shared Help level control. Concise removes those explanations while preserving every input, unit, required indicator, validation message, and calculation. Guided continues to show the full explanations. Saved projects and model formulas are unchanged.

The analyzer display control is now labelled Help level, with Concise and Guided choices across the land and equipment tools. Concise removes routine supporting explanations but keeps every input, required instruction, validation message, and next-required action available. Guided shows the full field guidance and is the default for new users. The selected help level is remembered between analyzers. Calculations, saved projects, and model versions are unchanged.

Property continues to collect the improvement cost, timing, added acres, and supported lasting value, but no longer shows a finished NPV before Land economics is completed. A short routing note now explains the dependency. The complete property-work return appears in the final economic results immediately before Buy versus Rent and explicitly identifies the operating margin and ownership costs it uses. Productive-area capital remains excluded, and calculation formulas and saved projects are unchanged.

The complete Buy-versus-Rent NPV comparison has been removed from Earnings and Rent and retained in the economic-results section. Its default view now shows only purchase price, purchase NPV, rental NPV, and the difference. Acreage matching, property allocation, per-acre values, and the NPV calculation remain available in two compact disclosure rows. Calculation formulas, saved projects, and the land model version are unchanged.

The site-wide typography enlargement introduced in the previous experience release has been reversed. Screen text again uses the established compact hierarchy for body copy, field labels, supporting guidance, badges, navigation, and report details. The version 975 NPV reconciliation and calculation-consistency corrections remain in place. Saved projects and model formulas are unchanged.

The matched-workable comparison now separates the purchase and closing outlay, discounted annual property cash, discounted future property value, and ownership-only adjustments before showing complete purchase NPV. Sensitivity controls and the price-by-margin matrix now preserve the same qualified Rent decision and ownership adjustments as the main result. The loan rate is explicitly identified as a repayment control rather than an economic-NPV input. Core purchase and rental formulas, saved projects, and the land model version are unchanged.

The collapsed annual-cash row now uses the same height, typography, spacing, and control alignment as the comparable rent explanation above it. Its supporting explanation remains inside the opened chart, where it is directly connected to the annual values. Calculation formulas, saved projects, and the land model version are unchanged.

The two-value strip beneath the parcel-to-cash-flow bridge has been removed because its Year 1 buying and renting figures repeated the detailed annual comparison without explaining their timing or scope. Users can now inspect those values in the interactive annual cash-remaining chart and evaluate the full decision in the matched-workable-basis NPV summary. Calculation formulas, saved projects, and the land model version are unchanged.

The annual chart now explains the decision in plain language as cash remaining per productive acre after the annual land cost. Hover, touch, and keyboard controls select any year and show productive earnings, ownership costs, comparable rent, and the cash remaining under each alternative. The unrelated added-acre marker has been removed from this per-acre view. Calculation formulas, saved projects, and the land model version are unchanged.

The separate full-width acreage-timing explanation has been removed from the annual-economics summary. Newly productive acres still enter operating cash flow in their selected year, and that year remains available as a compact marker in the detailed annual path. Crop-maturity labels, calculation formulas, saved projects, and the land model version are unchanged.

The productive-earnings path now separates per-acre crop performance from changes in productive acreage. Annual-crop plans run from their normal Year 1 result to the end of the comparison horizon, while newly productive acres appear as a separate cash-flow milestone in their entered start year. A Full production milestone is now reserved for crops with an actual establishment or production ramp. Calculation formulas, saved projects, and the land model version are unchanged.

Parcel-specific operating expectations now belong directly in each productive-area budget, while ownership-only income, savings, and costs remain in the ownership strategy. The separate bridge, its adjustment fields, repeated margin summaries, evidence record, report output, and saved-state participation have been removed to reduce ambiguity and double-counting risk. Older saved bridge values are ignored. This changes the land model to v0.87.0 and the saved-project schema to v55.

The Rent alternative helper now uses the same eyebrow, title, supporting-copy, and control sizes as the surrounding productive-area sections. This replaces its one-off enlarged typography while preserving readability. Rental inputs, formulas, qualification rules, saved values, and ranking logic are unchanged.

The Rent alternative heading, description, controls, field guidance, result labels, and calculation trace now follow one readable typography hierarchy consistent with the surrounding analyzer. No rental inputs, formulas, qualification rules, saved values, or ranking logic changed.

The rent converter now focuses only on translating fixed, flexible, or crop-share terms into a comparable annual rent. Its duplicate written-lease and guaranteed-term review has been removed. Lease term and protections remain in required Rent qualification, while the existing source record now explicitly captures the rent quote, lease document, relevant clauses, and reviewed date. Rental formulas, qualification rules, saved inputs, and ranking logic are unchanged.

The optional rent converter now uses shorter instructions and clearer rental-structure labels, then places the comparable annual rent, remaining margin, and Buy-versus-Rent action together. The calculation trace and optional lease-security review now stay in separate expandable rows. Rental formulas, saved inputs, and ranking logic are unchanged.

The Required marker for the whole-plan Rent check now appears at the upper-right of the rental choice group instead of beside the left-hand plan description. Its answered state, progress rule, mobile behavior, financial formulas, and saved inputs are unchanged.

Planned property improvements now show an automatic NPV from the discounted property-work cost, net earnings from acres created by that work, and supported lasting value at the comparison horizon. The calculation excludes tree and perennial establishment, irrigation and other productive-area capital, financing, income tax, and the parcel's existing land value. The Buy, Rent, and Wait ranking formulas are unchanged.

The standalone Included in ranking and Waiting for qualification badges have been removed from Rent assumptions. Qualification is already communicated by the required whole-plan decision and its specific follow-up message, so the assumptions section now keeps its focus on the entered rent and growth values. Financial formulas and saved inputs are unchanged.

The annual-economics summary now removes the development-stage explanation when the displayed Year 1 and full-production earnings are the same. In that case, Year 1 is labelled as the same annual result. When the displayed amounts differ, a shorter neutral disclosure explains the entered production and cost percentages and keeps planting capital separate. Financial formulas and saved inputs are unchanged.

The whole-plan Rent decision is now an explicit required item in analyzer progress. When durable control is needed and Rent is available, the actual lease term and required protections appear as their own progress items rather than being hidden inside one combined status. The qualification panel now uses the standard green and neutral ACDS palette, with red reserved for incomplete required lease details. Financial formulas and saved inputs are unchanged.

A single whole-plan question now determines whether rented land can provide the productive capacity, access, and rights required by the entered plan. The rental alternative does not need to reproduce every selected area one-for-one, and adding another crop or area no longer changes the eligibility rule by itself. Perennial and infrastructure-dependent plans retain their production-cycle and lease-protection requirements. Existing property-level answers carry forward; financial formulas are unchanged.

When two or more productive areas are selected, one confirmed comparable rental now keeps Rent in the comparison even when another area is unavailable or unanswered. When only one area is selected, that area must still have a comparable rental; Rent is excluded when every selected area is unavailable. Perennial and infrastructure-dependent plans retain their production-cycle and lease-protection requirements. Financial formulas and saved inputs are unchanged.

The real operating-margin benchmark now uses Statistics Canada's consistent Ontario farm-sector cash-margin series, calculated as net cash income divided by total cash receipts. It shows 19.2 cents per dollar in 2015 and a preliminary 19.3 cents per dollar in 2025. The card clearly labels the latest observation as preliminary and retains its parcel-specific limitation. The 0.0% real planning start, sensitivity range, financial formulas, and saved analyses are unchanged.

The recommended real-rent starting point is now +1.0%, a cautious allowance for above-inflation rent growth that remains well below the broad 1991–2021 Ontario historical estimate. The −1.0% to +3.0% real sensitivity range remains in place, and the card still directs users to replace the provincial benchmark with documented local comparable-rent evidence. Applying the recommendation now changes the rent path; financial formulas and saved analyses are otherwise unchanged.

The Ontario real-rent benchmark now combines the 1991–2021 Census-derived estimated rent-per-acre series, Ontario CPI, and FCC's 2020–2025 rent-to-price series. The expandable evidence area shows the historical dollar change, nominal and real annual growth, and the recent rent-to-price change without presenting any province-wide measure as a local comparable rent. The neutral 0.0% real starting point remains, while sensitivity now extends from −1.0% to +3.0% real. Financial formulas and saved analyses are unchanged.

Comparable workable-land cash rent and expected real rent growth now keep concise descriptions visible like neighbouring land-cost inputs. Ontario analyses also show the same sourced benchmark card beneath real rent growth as the other growth assumptions, using a neutral 0.0% real starting point and a −1.0% to +1.0% sensitivity range. Financial formulas and saved analyses are unchanged.

The crop-rotation calculator and annual-budget introduction now use one shared interface type scale for their labels, titles, and supporting text. The oversized budget text and separate pill treatment have been removed, while the established ACDS hierarchy, responsive layout, calculations, and saved analyses remain unchanged.

Add another productive area now occupies the Main area card's third action position beside Open area. Added-area cards use the same position for Remove area, eliminating the detached control and keeping every row aligned. On smaller screens, the controls continue to stack at full width. Calculation formulas, saved projects, and the land model version are unchanged.

Each selected main or added productive area now has its own comparable-rental availability choice. The combined Rent alternative qualifies only after every area is assessed and the full productive package can realistically be rented. Comparable cash rent and real rent growth now appear together in a clearly labelled Rent assumptions block. Earlier saved analyses migrate their property-level rental answer across existing areas; financial formulas are unchanged.

The comparable-rental panel now distinguishes an unavailable option from an incomplete one, reports the exact lease-term shortfall, and collapses already-confirmed protections. One clear next action replaces repeated exclusion messages. Rental eligibility rules, production-cycle requirements, calculations, and saved inputs are unchanged.

Analyze Parcel and Analyze Land + Farm now require an explicit comparable-rental availability decision for annual crops, pasture, trees, nurseries, orchards, vineyards, irrigation, and mixed productive packages. Crop type no longer removes Rent from consideration. Annual and rotational uses can qualify from realistic availability; trees, perennials, irrigation, and mixed durable uses add production-cycle term, asset, improvement, and applicable water-right protections. The minimum term follows the entered production and replacement cycle instead of an arbitrary crop exclusion. Core cash-flow formulas and saved inputs are unchanged.

Analyze Parcel and Analyze Land + Farm now keep comparable workable-land rent and its optional real growth control together in Earnings & Rent. For production that requires durable lease control, both assumptions remain visible but inactive until the lease is qualified. Calculations, defaults, and saved data are unchanged.

Earnings & Rent now identifies the comparable workable-land cash rent and defines its separate real growth path consistently. Operating-margin and ownership-cost growth remain separate planning assumptions, while local rent history and lease terms remain the preferred evidence. Calculations, defaults, and saved data are unchanged.

Horticulture and perennial areas now distinguish an existing planting from buyer-paid establishment or replacement at acquisition. Existing plantings can carry a future replant cost without an immediate establishment charge, with a separate first replant year and later cycle length. The upfront-capital check now names every source, shows its per-acre calculation, and opens the exact entry for review. Planting capital is deducted at the applicable initial and future replant dates but is never added to permanent property value. This changes the land model to v0.86.0 and the saved-project schema to v54; older projects remain compatible.

Closed cards now present production timing as one compact neutral row containing only the period, stage, acres, and annual earnings. Decorative stage numbers, coloured bars, tinted boxes, repeated explanations, and the green card stripe have been removed. Area identity stays left aligned, and the timing row is hidden while an area is open so the editing fields remain the focus. Calculations, saved data, and required inputs are unchanged.

Closed productive areas now use a prominent Open area or Continue setup action, while open areas show a clear Close area action. The area heading is also an accessible open-and-close control. Earnings stages now use a full-width chronological layout with stronger period tags, result separation, sequence cues, and restrained ACDS green accents. Calculations, saved data, and required inputs are unchanged.

Main and added-area cards now show earnings before land costs as a chronological timeline. Annual areas separate the years before and after an acreage improvement. Perennial areas identify development costs, the first saleable crop, production ramp-up, full production, and the entered replant cycle, with the acres and annual result applicable to each period. The display uses the existing production and acreage timing calculations; saved data and model formulas are unchanged.

Main and added productive areas now introduce their annual budget with a compact, full-width information card. A clear eyebrow, readable heading, short explanation, consistent green accent, and stronger spacing replace the cramped single-line instruction. Perennial areas identify a full-production budget; annual-crop and pasture areas identify a normal-year budget. Formulas and saved data are unchanged.

Main and added horticulture or perennial areas now identify the entire annual value-and-cost block as a full-production budget. Crop value, program payments, production costs, risk allowance, and recurring irrigation operating costs use that same mature-year basis, while establishment and early-production assumptions remain separate. Annual-crop and pasture budgets continue to use typical normal-year amounts. Formulas and saved data are unchanged.

The extra annual earnings deduction strip has been removed from main and added productive areas. The nearby guidance still makes clear that ACDS subtracts this recurring cost once, while the area earnings calculation and combined result continue to show its effect. Formulas and saved data are unchanged.

Annual specialty crops now sit with annual or rotational crops and can use the same optional crop-rotation calculator. Irrigation is a separate area feature that can be turned on for annual crops, pasture or forage, and perennial plantings. Older saved specialty crop projects reopen as annual or rotational areas with irrigation enabled, preserving their values and water-cost treatment. This changes the saved-project schema to v53; the land model remains v0.85.0.

Field-crop area editors now keep a small, consistent gap beneath the live annual earnings calculation so the result no longer sits against the bottom edge of its area card.

Horticulture and perennial assumptions are now grouped into four plain-language stages: purchase and establishment, the first saleable crop, full production, and replacement. Percentage inputs immediately translate into dollars per productive acre, and concise result bands replace the previous dense explanation.

Main and added areas now identify annual crop or feed value, forage or grazing value, specialty-crop value, or mature perennial crop value as applicable. Perennial budgets explicitly ask for the annual crop value at full production, while the existing production timeline continues to adjust earlier years.

In the main field-crop area, the optional crop-rotation calculator now appears before the Annual value & costs heading. The heading sits directly above the required budget inputs, while productive uses without the calculator keep the heading above their inputs.

The expanded main productive area now opens with the same Annual value & costs heading used by added areas. The heading identifies productive value, operating costs, and risk allowance directly; calculations and saved projects are unchanged.

The mixed-area input heading now reads Annual value & costs and explicitly groups productive value, operating costs, and the risk allowance as one normal-year budget. Main-area instructions use the same language, while the net annual earnings result and all calculations remain unchanged.

On mixed-use parcels, the main area now opens directly beneath its own summary header just like every added productive area. Its status strip, close control, required-answer navigation, and editor remain together, while single-use parcel behavior and all calculations remain unchanged.

When a mixed-use parcel's main productive area is open, its full editor now carries the same continuous status edge as added productive areas. Orange means answers remain and green means the area is complete. Calculations and saved projects are unchanged.

Open, incomplete, and completed productive-area cards now share the same full-height, fixed-width status treatment. Green marks open or completed areas and orange marks areas that still need an answer, without changing calculations or saved projects.

Horticulture and perennial areas now explain the path from purchase through the first saleable crop, full production, and replacement before asking for the supporting values. Field names and guidance use plainer language, and incomplete area editors use one continuous attention edge. Calculation formulas, saved projects, and the land model version are unchanged.

The optional calculator now recommends itself only when crops or margins change across a rotation, rather than adding a competing recommendation button. Its completed action now says Use this annual budget, making clear that the weighted result will fill the Field-crop rotation revenue and cost boxes. Calculation formulas, saved projects, and the land model version are unchanged.

When an improvement adds productive acres after purchase, the productive-use workspace now shows acres at purchase, acres added, stabilized acres, and the first earning year. Mixed-use parcels require the user to identify which productive area receives those acres, and the cash-flow model applies that area's earnings budget only from the selected year instead of reducing every area proportionally. The same timeline appears on affected area cards and in the Decision File. This changes the land model to v0.85.0; saved projects remain compatible and require the new answer only when delayed improved acres and multiple productive uses coexist.

The separate Edit main area button has been removed from the productive-use header. The main area is now opened, continued, reviewed, and closed from its work-queue card beside every added area. Calculation formulas, saved projects, and the land model version are unchanged.

The permanent Acres balanced badge has been removed because the acreage equation already confirms a valid split. That status position now appears only when added areas exceed the parcel total or leave no acres in the main area, with a direct correction. Calculation formulas, saved projects, and the land model version are unchanged.

Missing answers remain visible in the productive-area work queue, including the exact area, remaining-answer count, and next field. The generic warning that repeated the same instruction at the bottom of the workspace has been removed. Distinct warnings—such as excess assigned acres or an invalid production timeline—remain. Calculation formulas, saved projects, and the land model version are unchanged.

The combined result now appears after every main-area and additional-area editor. Opening an area no longer places the all-area total between the work queue and the fields being edited; users complete the area workspace first and reach one final combined summary at the bottom. Calculation formulas, saved projects, and the land model version are unchanged.

The combined annual earnings, buyer-paid productive capital, and Land Economics status now sit directly below the productive-area work queue instead of inside the main-area editor. The result remains visible while any main or added area is open, and clearer labels distinguish the all-area total from the inputs for one area. Calculation formulas, saved projects, and the land model version are unchanged.

The productive-area list now summarizes total acres and area completion, highlights incomplete and completed areas differently, and provides one Continue next required answer action. Incomplete cards show the next required field as a direct action, while completed cards remain compact. Area buttons now say Continue or Review according to status, and removing an area requires explicit confirmation. Navigation opens and focuses the exact missing field. Calculation formulas, saved projects, and the land model version are unchanged.

The former capital-reconciliation control now asks whether the exact buyer-paid fencing, water, establishment, or irrigation amount is already included in Planned improvement cost. Each answer states whether ACDS will add the amount, and a live result confirms how it will be counted. This removes accounting jargon while preserving the duplicate-cost protection. Calculation formulas, saved projects, and the land model version are unchanged.

The main productive area now appears beside every added area with the same acres, earnings, completion, and next-answer summary. Users edit one area at a time, can close any area to reduce page length, and are taken directly to the selected area's complete budget and use-specific helper. The main crop-rotation helper is explicitly tied to the earnings fields it fills, and combined results remain separate from each area's own margin. Calculation formulas, saved projects, and the land model version are unchanged.

Specialty and irrigated crop profiles now deduct recurring water, pumping-energy, and irrigation operating costs separately from direct costs for both the main use and every added productive area. The earnings equation, annual cash-flow inputs, summaries, and Decision File use the same deduction. New entries are warned not to repeat the amount in direct costs. Older saved projects with a positive reference amount require one confirmation of where it was previously counted before the updated calculation can be completed, preventing silent double-counting. This changes the land model to v0.84.0 and the saved-project schema to v52.

The Parcel Screen now skips the whole-farm deal-structuring search, which is outside its stated scope. The 25-case sensitivity matrix, downside inputs, alternative-offer editors, source register, diligence checklist, and other optional financing tools now mount only when opened. Full Review calculations remain available where applicable. Core acquisition formulas are unchanged, and the Parcel Decision File now correctly labels executable whole-farm structure as not tested.

Section navigation now jumps directly to the next workspace instead of animating across a long page. Closed project, capacity, commercial, checkpoint, and professional-review tools defer their detailed content until opened, while below-fold panels wait to be laid out until they approach the viewport. Calculations, saved projects, and print output are unchanged.

Farmland number fields now keep typing responsive and update the model once the user leaves the field or presses Enter. Unchanged values no longer trigger a redundant calculation. Validation, regional inflation guidance, calculation formulas, and protected autosave behavior are unchanged.

Full-project autosave now waits for a brief pause and available browser time instead of rewriting the complete saved-project library after every keystroke. Pending changes are still saved when the tab is hidden, the page is left, or the analyzer closes. Regional inflation guidance and all calculation results are unchanged.

Added a short recommendation beneath Expected annual inflation: 2.0% for Ontario and the rest of Canada, and 2.3% for the United States. The displayed example and screening-value action now use the same regional rate, while a user-entered value is preserved when the region changes. Inflation still affects only the purchasing-power view of modeled loan payments; nominal payments, DSCR, economic NPV, and the recommendation are unchanged.

Converted the 2025 Ontario and Canadian cultivated-land cards from nominal changes to real changes using actual 2024–2025 annual-average Canadian CPI. Their descriptions retain the FCC nominal changes and disclose the CPI adjustment. Added a caution that FCC and USDA use different source and aggregation methods, so country comparisons are directional rather than like-for-like. Multi-year histories, planning starts, formulas, and saved inputs did not change.

Added USDA NASS's 2009–2013 final-estimates release and relabelled every U.S. cropland and CPI source with its exact year range. The displayed evidence now documents an uninterrupted 1999–2026 USDA series, including a 2012–2013 overlap that can be cross-checked between the historical and current reports. The calculated real histories, 2.0% planning start, formulas, and saved inputs did not change.

Replaced the national farm-real-estate reference, which included buildings, with USDA NASS cropland values for the contiguous 48 States. ACDS now calculates consistent 1-, 5-, 10-, 20-, 25-, and 26-year real histories using BLS annual-average CPI-U, excludes the 2026 nominal estimate until complete annual inflation is available, and discloses the USDA cropland definition. The 2.0% real planning start remains separate from observed history, with state and local land-class evidence given priority. NPV formulas and saved inputs did not change.

Added required first marketable-year productive-value and production-cost percentages plus annual pre-production care cost. ACDS now calculates value and cost separately, allows an early bearing year to produce a loss, keeps mixed annual-crop areas at full production, and displays both paths in the annual cash-flow schedule. Older projects retain their previous screening path but must confirm the new assumptions before reliance.

Renamed the horticulture inputs to first marketable production year, mature production year, and productive planting life. The land model now counts no operating earnings before first production, applies a disclosed straight-line screening ramp to the full normalized budget, and deducts establishment capital when a replacement cycle begins. Older saved entries are converted from years-after-first-production to the equivalent acquisition-year maturity date.

Removed the separate direct net-earnings option because gross productive value is still needed for a defensible rent comparison. Every sector now builds net earnings from productive value, direct costs, machinery and labour, and risk allowance. Older direct-entry projects are converted to an equivalent revenue-and-cost budget that preserves their gross value and net earnings. NPV and ranking formulas did not change.

Removed the redundant required rotation-years field and the empty Annual field crops details section from the main analyzer. Rotation length still controls weighting and remains visible inside the optional crop-rotation calculator, but it no longer delays completion or appears as a separate sector driver. Annual revenue, costs, NPV, and buy-versus-rent formulas did not change.

Removed the source-category dropdown and replaced the long opening explanation with concise guidance about weighting crops in dollars per acre. A separate note now makes clear that examples guide the user but never fill the form. The rotation calculation, crop-unit safeguards, saved projects, and land-economic formulas did not change.

Replaced long selected-unit text with compact agricultural labels such as bu / ac, t DM / ac, and lb / ac. The control now uses the same type size, weight, background, divider, and spacing as the other in-box units while retaining each unit’s full explanation in the field guidance and accessible title. No entered values, saved projects, unit logic, or land-economic formulas changed.

Added one yield-unit control that also sets the matching price unit, preventing bushels, tonnes, pounds, or other measures from being paired incorrectly. Recognized crops choose their normal unit automatically; custom crops require a unit choice. Changing a crop or unit clears the earlier yield and price so an old value cannot silently change meaning. The expanded rotation breakdown now shows each crop’s yield × price equation and converts it to dollars per acre before weighting. Dry-matter and as-fed tonnes remain separate. No saved-project schema or land-economic formula changed.

Matched the crop name, rotation years, normal yield, yield unit, planning price, direct costs, machinery and labour, and risk allowance for all eight crop examples. The examples use the 2026 Ontario field-crop budget structure and recent Ontario commodity prices where comparable quotes are available. Recognized crop names update the complete example set together; all examples remain blank-field guidance and never become user data. No crop-rotation weighting, saved-project schema, or land-economic formula changed.

Replaced the repeated Corn placeholder with a different common field-crop example for each of the eight available crop cards. The crop-name field also offers the full suggestion list while remaining open to any crop the farmer types. Examples never silently enter a crop or affect completion, weighting, saved projects, or land-economic formulas.

Preserved the dark-green active crop tab when a pointer moves over it, so hover no longer masks which crop is open. Unselected, completed, focus, and disabled crop states remain unchanged. No saved-project schema, input requirement, crop-rotation, or land economic formula changed.

Replaced the passive question-style helper row with a higher- contrast calculator launch card. It now uses an action-led title, a clear optional-calculator label, a direct explanation of when to use it, and a visible Open calculator control that changes state when expanded. The calculator’s inputs, workflow, and formulas are unchanged. No saved-project schema, core economic, financing, lease, or ranking formula changed.

Replaced unexplained remaining-field counts with Not started, In progress, and Ready states in the rotation summary, crop tabs, and active-crop header. The active crop now gives a direct instruction to enter or continue its details and shows the net margin only when that crop is ready. Required inputs and completion rules are unchanged. No saved-project schema, core economic, financing, lease, or ranking formula changed.

Replaced simultaneous full crop forms with a tabbed crop workspace. Only the selected crop is open, while every crop tab shows its name and remaining required values or a ready state. The active form uses a compact four-column desktop layout and includes previous, next, and add-crop controls. The live weighted result, transfer action, detailed breakdown, blank inputs, and years-based calculations are preserved. No saved-project schema, core economic, financing, lease, or ranking formula changed.

Preserved the familiar crop-card calculator while adding a clear completion state and live net margin to every card. Farmers can now collapse individual crops after entering them, see the rotation length and provisional net earnings above the cards, and transfer completed figures without scrolling to the bottom. The full weighted revenue-and-cost breakdown remains available in one optional review. Blank inputs, years-based weighting, and all productive-land calculation boundaries are unchanged. No saved-project schema, core economic, financing, lease, or ranking formula changed.

Removed the separate Use in Land Economics button. Once the selected earnings method and every required input are valid, ACDS synchronizes the productive-land values automatically and shows a compact confirmation in the summary. Changes to earnings, required productive capital, or owner-only woodlot value are reconciled again automatically, while incomplete edits remain visibly unapplied. Updated the progress and guidance language so no part of the analyzer asks for a second transfer step. No saved-project schema, core economic, financing, lease, or ranking formula changed.

Moved the helper directly above the Annual field crops inputs and removed its active example values. Farmers now describe a rotation by the number of years each crop appears instead of manually making percentages total 100%. Crop cards can be added or removed, use the same required-input feedback as the rest of the analyzer, and show the exact crop value, direct cost, machinery/labour/overhead, risk, rotation length, and net-earnings result before transfer. Transfer fills the matching fields for review without changing annual program payments or ownership-only annual cash flow; Use in Land Economics remains the single final application step. No saved-project schema, core economic, financing, lease, or ranking formula changed.

Standardized required fields across the farmland analyzer. An untouched empty field remains neutral; focusing or attempting it shows the same red border and a specific red instruction below the box; and a valid focused value turns green. Required sector-adaptive, mixed-area, and payment-term fields now use the same behavior as Land Economics, while fields that legitimately allow zero still accept an intentionally entered zero as complete. No saved-project, schema, economic, financing, lease, or ranking logic changed.

Added one concise scope line beneath direct production costs and machinery, labour, and overhead. Every annual budget input now uses the same label, input, explanation, and Help-row structure, keeping both columns aligned without adding a new calculation or required field. No saved-project, schema, economic, financing, lease, or ranking logic changed.

Removed the repeated expandable category guide and moved its useful crop examples directly into the four productive-use choices. The single productive-land rule now identifies woodlots, maple bush, greenhouses, mushrooms, buildings, residences, solar, aggregate, conservation, and other property income or costs as separate from productive-acre earnings. This shortens the setup without removing coverage or adding an ambiguous catch-all category. No saved-project, schema, economic, financing, lease, or ranking logic changed.

Broadened the productive-use choices so sugar beets, potatoes, field vegetables, sod, tobacco, specialized seed production, hops, Christmas trees, and irrigated crops have a clear home. Renamed the intensive-crop pathway to Specialty or irrigated crops and added a compact matching guide based on how the acres produce value. Woodlots, greenhouses, mushrooms, livestock buildings, residences, and non-crop property income remain separate so they cannot be mixed into productive-land earnings. Older saved projects using the retired default label migrate to the new wording. No category key, project schema, economic, financing, or ranking formula changed.

Removed the carrying-capacity input from pasture and perennial forage analysis, including its required-state, saved-project, summary, and Decision File treatment. The decision already uses normalized forage or grazing value, production costs, and net earnings, so a separate animal-units-per-acre field duplicated information without changing NPV or the buy-versus-rent result. Additional fencing and water capital remains available because it can change the acquisition cash requirement. Project schema v41 safely ignores the retired field in older saved projects without changing the verified economic, financing, or ranking formulas.

Added an optional productive-area builder beneath the four primary land uses. A parcel can now combine annual field crops, pasture or perennial forage, horticulture, and specialty or irrigated areas without flattening them into one unsupported per-acre assumption. Each additional area records acres, normalized crop or forage value, net earnings before land costs, and upfront productive capital. ACDS automatically leaves the remaining acres in the primary use, blocks acreage over-allocation, calculates one acreage-weighted parcel margin, checks buyer-paid capital against Planned improvement cost, and carries every area into the Decision File. Mixed packages containing perennial or infrastructure-dependent uses require one realistic durable lease before rent can enter the ranking. Saved single-use projects remain unchanged; project schema v40 adds the new optional area records without changing the verified economic, financing, or ranking formulas.

Removed the overlapping livestock-supporting land category. Annual field crops now include grain, oilseed, silage corn, and annual forage whether sold or fed on-farm, while pasture and perennial forage remain a separate production pathway. Feed used by the farm is valued once at a normalized farm-gate crop or forage value; milk, livestock, barns, housing, quota, equipment, and whole-farm revenue remain outside productive-land earnings. Saved livestock selections migrate to annual field crops without losing entered revenue, costs, or completion progress. No economic, financing, or ranking formula changed.

Perennial horticulture and irrigated specialty land no longer inherit an ordinary cash-rent comparison. ACDS now requires a realistic long-term lease with a production-cycle-appropriate term, renewal or purchase rights, productive-asset rights, tenant-improvement protection, dated evidence, and documented water access where applicable. Until those conditions are met, rent is removed from rankings, switch points, generational and perpetual comparisons, required inputs, and reports; the model compares buying with waiting or not acquiring instead.

Rebuilt sector-adaptive land economics around five primary productive uses and one selected annual contribution method. A verified net contribution can no longer stack with a separate revenue-and-cost budget, and livestock-support, water-cost, and other sector references remain visible without being counted a second time. Barns, residences, woodlots, rental income, irrigation infrastructure, and other improvements now sit in a separate parcel-components layer. Identified capital must be reconciled as already included or deliberately added to Immediate improvement cost. Legacy illustrative crop values are cleared when they were never supported, while saved mixed-property files migrate to a productive land use plus separate components.

Added an optional perpetual-ownership sensitivity beside the finite generational comparison. ACDS projects closing cash, financing, purchase cash flow, and comparable-rent cash flow through the later of the entered horizon or amortization, then applies a growing perpetuity to the following year's normalized cash flow. Stable real growth must remain below the required real return, narrow spreads are flagged, and adjacent growth cases are shown. No separate sale, appreciated land value, or selling cost is added, preventing the land's future earning value from being counted twice. This remains a supplemental sensitivity rather than the recommendation or generational-wealth conclusion.

Added a management-selected family-ownership objective and a 25-, 40-, 50-, or custom-year comparison of projected wealth. The retained-land path includes gross property value, remaining debt, and accumulated purchase cash flow. The rental path invests unused closing capital and accumulated rental cash at the entered minimum real return. Selling costs are not deducted when the land is retained. Current economic return and whole-farm affordability remain separate conclusions, and tax, estate, legal, and succession planning remain outside ACDS.

Added deterministic device-only extraction of user-confirmed parcel, price, tax, rent, and financing candidates from pasted listing or term-sheet text. A reusable farm acquisition buy box now carries price, cash, acreage, DSCR, and liquidity policy into a 20-parcel watchlist. The selected deal can retain its stage, target closing date, coordinator, eight assigned transaction milestones, downloadable action register, and an optional user-entered decision-value record. Raw intake text is not saved, no external parcel fact is presented as verified, consent for any future anonymized case use remains explicit, and the frozen land economics, repayment, liquidity, collateral, renewal, and recommendation formulas are unchanged.

Added a reusable acquisition-capacity dashboard that keeps the supported ceiling, repayment reserve, liquidity position, renewal pressure, and binding constraint together for each offer. The parcel workspace can now export a portable intelligence pack with property identifiers, public-record dates, acre classes, improvements, diligence status, and limitations. Projects remain browser-local and can be moved deliberately with editable backups. Any future commercial decision remains blocked by the 10-case development series, 5 blind cases, objective professional review, and resolution of material findings. Core farmland formulas remain frozen and unchanged.

Added deterministic multi-period statement mapping, a structured public parcel-intelligence record, and AES-256 encrypted editable review exchange that remains device-to-device. Ownership-only value now carries timing, duration, source, realization conditions, and a required double-count confirmation. The lender file now separates nominal program or insurance support from cash reasonably accessible within twelve months and bridges it to the worst entered downside liquidity gap. The current project can be saved immediately into the cross-investment Capital Plan. Core land economics, debt-service, liquidity, and collateral formulas are unchanged; the ownership overlay and coverage bridge remain separately identified controls.

Connected the core land analysis, professional schedules, lender review, five-year forecast, coordinated downside cases, actual outcomes, and parcel evidence around one decision basis. New conflict checks identify duplicate values that do not reconcile and let the user deliberately apply supported acres, appraisal, normalized cash, or debt-service values. Spreadsheet data can be pasted as a familiar two-column statement, and the current farm position can seed five editable capacity years. The Decision File now carries the reconciliation, connected capacity line, and consolidated parcel-evidence record. Core economic, repayment, liquidity, collateral, and recommendation formulas are unchanged.

Reframed the public homepage around the industry need ACDS is designed to address: material farm investments are frequently reconstructed from disconnected quotations, records, worksheets, terms, and professional reviews. A new problem-to-result map shows how one structured decision model connects the facts, economic ranking, farm fit, downside, evidence, and final Decision File. The promise is deliberately bounded: ACDS does not guarantee the highest return; it helps users reject weak cases, identify stronger ones, and pursue better risk-adjusted capital allocation. No model calculation changed in this release.

Added an explainable decision-leverage queue that ranks price, earnings, acreage, repayment, liquidity, policy, evidence, property, and controlled-review issues by their current ability to affect the result. Users can route directly to the relevant section, copy or download a three-item client information request, reopen forecast-versus-actual tracking, and continue into the cross-investment capital plan. The professional document register can now match multiple local filenames and modified dates without opening, uploading, extracting, or retaining the files. Core land economics and credit calculations are unchanged.

Replaced the generic start cards with three decision jobs: screen a parcel, test the land and the farm, or review an existing client file. The visible workflow now uses four decision stages while retaining detailed farm-position, financing, condition, and file sections inside the stage that needs them. A new optional parcel-class working paper reconciles gross acres, productive-equivalent acres, and class-indicated value without presenting the result as an appraisal. The decisive executive summary now precedes optional role-specific handoffs. Core land economics, repayment, liquidity, collateral, and recommendation formulas are unchanged.

Added one shared purchasing-power calculation to the equipment and farmland full reviews. Users can enter expected general inflation, keep the actual contract payment visible, compare the same scheduled payments in today's dollars, and see renewal-rate payments recalculated before the purchasing-power adjustment. The view includes an income-growth warning and explicit scope boundaries. Economic NPV, recommendation, nominal debt service, and DSCR formulas remain unchanged to prevent double counting.

Added a professional decision desk that prioritizes changed assumptions, policy exceptions, critical evidence gaps, outstanding documents, and model warnings before the complete farmland Decision File. Reusable policies now record an institution reference, owner role, approved use, and review date. Professional ZIP packages add an underwriting transfer, exception register, and model-use record, while a device-only pilot recorder measures time saved, repeated entry, missing items, corrections, and reuse intent. The founding beta remains a preparation and review layer rather than an institution's system of record; no farmland or equipment calculation formula changed in this release.

Added an eight-answer first-direction screen, a rotation-weighted margin builder, equivalent-rent support for fixed, flexible, crop-share, and long-term leases, and one four-test result for economic value, repayment, liquidity, and downside resilience. Ownership benefits are now separated into cash, balance-sheet, and strategic value so users can count each advantage once and in the appropriate part of the review. These are workflow and explanation improvements; the verified farmland formulas are unchanged.

Reframed the public entry experience around the equipment quote, land offer, financing meeting, client review, or competing capital requests already facing the user. Added a role-specific workflow finder, clearer first-result promises in both analyzers, reusable professional intake links, and a start-similar-decision pathway in every Decision File. These changes shorten discovery, preparation, and repeat use; no equipment or farmland calculation formula changed.

Added a separately labelled ownership-strategy overlay with break-even real appreciation, break-even real rent growth, ownership-only value required, and strategy-supported price. A nine-case appreciation-versus-rent map and multi-horizon regret view show whether the conclusion is robust or assumption-sensitive. The ownership-value ledger excludes qualitative amounts, separates estimates from documented support, and allows only documented cash support into the DSCR overlay. Rental term, renewal, improvement, purchase-option, and relocation exposure now inform Buy, Buy if, Negotiate, Rent, Secure lease, Wait, and Do not proceed conclusions. The verified base buy-versus-rent formulas, appraisal value, and collateral calculations are unchanged.

Added a device-local capital allocation center that converts the saved economic advantage in equipment and farmland files to an equivalent annual basis, then finds the highest-value combination that fits protected liquidity, deployable cash, new annual commitments, review readiness, competing-decision groups, and a portfolio downside threshold. The plan explains why each deferred file does not fit, preserves the underlying Decision Files, and records forecast-versus-actual annual value and upfront cash so repeatable estimation bias becomes visible. No equipment or farmland calculation formula changed in this release.

Reusable farm profiles show only the core financial figures that changed from the saved statement basis. The former device-local reviewer, document-register, and manager-queue layer was retired so evidence status stays in Evidence and conditions, while final readiness stays in the Decision File. Existing policy, multi-entity, security, seasonal-cash, and financial formulas are unchanged.

Strengthened device-only financial import with explicit mapping, balance-sheet, debt-payment, historical-depth, and effective-date reconciliation plus user confirmation before values are applied. Added printable recipient-specific briefs for farm owners, lenders, accountants, property reviewers, and farm advisors; downloadable negotiation limits from the deterministic deal optimizer; and direct Decision File access to forecast-versus-actual outcome tracking with repayment and liquidity variance reporting. These changes alter workflow and presentation—not the underlying economic or financing formulas.

Added a live decision pulse that keeps economic direction, supported price, repayment capacity, evidence confidence, and the next material action visible throughout entry and preflight. Material inputs now explain their decision effect, model checks route back to the appropriate section, and saved review stages preserve comparable direction, price, support, and capacity results. A role-focused handoff checklist assembles the dates, scope, evidence, and conditions required for lender, accounting, appraisal, or farm-advisory review without changing the formulas.

Added materiality-weighted evidence confidence, stable-versus-fragile decision testing, and separate conclusions for asset economics, whole-farm repayment capacity, and collateral or leverage support. Real-case comparisons now disclose whether the professional answer was withheld, whether an independent reviewer was used, and whether both analyses received the same evidence packet. Dated fixed, flexible, and crop-share contracts can enter a qualified professional alternative screen without treating unresolved ownership or option structures as comparable rent.

Added production profiles for annual crops, livestock, pasture, perennial horticulture, irrigated specialty production, and mixed improved property; deterministic device-only import of current statements, historical results, and debt schedules; and stronger appraisal, ownership, tax-allocation, closing-condition, and multi-year outcome records. Parcel-only Full Review now keeps its applicable professional workspace and Decision File sections without implying a whole-farm credit test.

Added review focuses for credit, appraisal, accounting, and farm-advisory work; direct entry from an existing client Decision File; and a live queue that shows which review section is ready, incomplete, locked, or not applicable. The selected focus is saved with the project and changes review priority, scope, and visible detail—not the underlying formulas.

Added a land-only path that tests parcel economics, rent, property-level return, entered financing, payment coverage, sensitivity, evidence, and due diligence without requiring whole- farm financial information. Farm DSCR, liquidity, leverage, borrowing headroom, covenants, and credit readiness are excluded from the parcel Decision File, with a one-click upgrade that preserves every parcel entry.

Added borrower and guarantor structure, accrual-to-cash normalization, a five-Cs credit request, financing and covenant reconciliation, collateral lending value, coordinated downside survival, risk-management coverage, structured rent and purchase alternatives, expanded legal and environmental diligence, and tax/closing cash timing. These records support professional review without collecting sensitive identity details or issuing a credit decision, appraisal, tax opinion, legal clearance, or environmental assurance.

Added linked five-year covenant forecasts, appraisal reconciliation, parcel operating fit, whole-farm land-portfolio exposure, advisor and closing conditions, and forecast-versus- actual follow-up. The worksheets are saved with the project, included in the completed example and Decision File, and feed unresolved conditions into preflight readiness without issuing an appraisal, tax opinion, legal clearance, environmental assurance, insurance advice, or credit approval.

Replaced the static example handoff with a fully populated, editable analyzer case covering the core inputs, property and market evidence, historical and seasonal capacity, debt, funding, policy, conditions, warnings, and complete Decision File. The example runs separately from privately saved projects.

Added an 80-check second calculation across six scenario families. Corrected downside borrowing headroom so stressed cash is compared with stressed debt payments, included lender fees in the post-closing asset bridge, and preserved the full working- capital deficit when closing cash exceeds current assets. Professional review and real-case validation remain separately disclosed as incomplete.

Added a price-to-rent and economic break-even-rent bridge, a banker repayment waterfall, explicit down-payment source and security records, adjusted financing ratios for borrowed closing cash, and a borrowing-headroom view capped by both collateral and DSCR capacity. Borrowing flexibility remains outside investment NPV and is never treated as income or lender approval.

Added a parcel-to-cash-flow bridge, genuine multi-parcel comparison, interest-only/vendor/blended financing overlays, and an explicit ownership, tax, legal, and alternative-rent handoff. Non-standard financing remains separated from the standard supported-price and terminal-equity calculation.

Rebuilt the entry and reporting journey so unentered examples are hints rather than active farm data, incomplete drafts cannot generate a winner, Guided Decision inputs carry into Full Review, and the farmer summary leads with economic value, annual cost, cash pressure, capacity, decision strength, and the assumption most likely to change the result. Added practical field-capacity, energy-cost, and repair-history estimators while preserving the evidence, stress, financing, and review layers for professionals.

Added project-level workload modes, dedicated material-handling setup, hourly hired-service economics, mixed acre-and-hour use, workload-specific capacity checks, break-even hours, and reports that no longer assign hour-based work to acres.

Aligned equipment and farmland entry around a quick screen, full analysis, and completed example. Added explicit pre-launch validation status, moved preparation behind an optional checklist, and reduced repeated readiness guidance.

Reorganized the land analyzer around essential inputs and a result-first decision summary. Project setup, downside controls, sensitivity analysis, cash-at-closing detail, and deal restructuring remain available on demand without crowding the default review path.

Added a five-condition optimizer for price, down payment, and amortization; one-click alternative-offer comparison; debt-target margin headroom; and corrected the economic-margin switch point so shared buy-and-rent margin cannot falsely reverse their ranking.

Added a public model-governance and validation centre, financial-definition reconciliation, report IDs, review dispositions, SHA-256 report-state fingerprints, and automatic modified-after-finalization warnings.

Added reusable farm financial profiles, essential-to-advanced review views, explicit provisional unknowns, a guided walkthrough, named project checkpoints, and a plain-language four-answer conclusion.

Added reusable lender and internal underwriting profiles, automatic policy-exception disclosure, and a structured record for comparing ACDS with completed lender or accountant analyses.

Added multi-project farmland workspaces, borrower-summary and lender-package report profiles, a dated sale-and-rent evidence register, and a traceable Ontario closing-cost assistant.

Added parcel-source and improvement reconciliation, existing-debt maturity and variable-rate exposure, historical forecast reasonableness, a visible three-scenario stress dashboard, and a detailed property due-diligence register.

Added three-year historical trends, reconciled quarterly cash timing, operating-line capacity, conditions-to-proceed, file completeness, decision purpose, and a document-readiness register.

Corrected annual-hours sensitivity and break-even logic, added tie and one-comparable-option handling, strengthened numeric validation, and added type and rendered-content release checks.

Unselected alternatives are removed from workflow requirements, warnings, capacity results, rankings and report content.

Added evidence sources, support references and an explicit assessment of how durable the economic lead appears.

Added equipment identities, Purchase B and alternative-specific operating costs and capacity.