SUITABLE public credit facilities for indus- 
trial and nonfarm forest owners are not 
now available. ‘The terms of private lend- 
ers usually require rapid cutting and early 
retirement of loans, so that long-range man- 
agement plans, consolidation of owner- 
ships, and other adjustments necessary to 
practice good forestry are often out of ques- 
tion even for well-intentioned operators. 
42] 
