Policies, no matter how supportive when first formulated, need to adjust to changing circumstances. Examples of factors which may change include: the political direction of the government, domestic or international economic conditions, changing markets for key commodities, extremes of weather, entry of new actors, e.g. new financial intermediaries, bringing a new set of opportunities etc. This means that the formulation of policy is a continuing process, not a one-off task. Policies are made and delivered primarily by government officials but they should not do this in isolation from those affected by the policies. A process is needed through which the views of key actors are made known to policy makers and debate can take place. In the case of rural financial services, key actors who should participate in policy dialogue would be: representatives of farmers; representatives of financial institutions, including those operated by NGOs; representatives of firms and other entities handling the supply of services to farmers, e.g., input supply and marketing of farm produce.