After months of congressional debate, a crop-insurance reform package appears destined to reach President Clinton's desk.

But before that can happen, congressional leaders must iron out a key difference between the $6 billion crop-insurance bills that passed the House last fall and the Senate - by a tally of 95-5 - last week. Bankers also cautioned that improved crop insurance alone will not solve farmers' bigger problem: the two years of weak commodity prices that have sapped their earnings.

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