We know from initial research that the four areas of the lake that are struggling the most to meet desired levels of phosphorus are: Missisquoi Bay, St. Albans Bay, Northeast Arm, and South Lake A. We also know that in these areas the phosphorus levels are either increasing or remaining stable. Water coming from wastewater plants generally meets the target load levels, and that nonpoint phosphorus pollution is the largest contributor to areas not meeting target levels. Areas such as Missisquoi Bay that struggle to meet target phosphorus levels receive the majority of their phosphorus from agriculture. Agriculture only accounts for 14% of the land area, but contributes 38% to the total nonpoint source phosphorus pollution. Phosphorus is easily transferred because it is found in dissolved water and has the ability to attach to soil particles, which is undoubtedly a reason that agriculture is able to contribute so significantly to the phosphorus load. Nutrient rich soil from farmlands, excessive use of fertilizer and erosion are key contributors to the phosphorus load in lake Champlain.