MONTICELLO, Wis. - As lender Dean P. Havens winds his way through Wisconsin's dairy country on a sultry late spring day, he comes upon one of the casualties of a dairy industry soured for some small farmers.

He points out a farm whose owner sold his herd of milk cows and paid off debt. The farmer is still there - but gone from the competitive dairy business, which is forcing producers and the bankers who finance them to face some tough realities.

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