Although market instruments exist to deal with some of these risks (e.g. interest rate hedging), they are more often dealt with by individual farm strategies, e.g. arrangements with banks, family budget management, business consulting, outsourcing financial management to specialised companies, etc. Between 2004 and 2009, outstanding debt in agriculture more than doubled in value terms, driven by the expansion of existing farms and the entry of new operators, particularly in dairy farming. In the recent crisis period, as commodity and land prices fell, farms continued to draw heavily on bank credit to meet their working capital needs.