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"CAO goes too far. Your buddy and his horses are part of the problem, and should be addressed. But that specific situation isn't the norm. Most land owners impacted by this won't have rivers\streams on or near their property. "

If you understand the sheet flow nature of our soils in WW and the topography almost every piece of land has some net effect on rivers and streams. Biofiltration issues and runoff have major impacts on lakes, streams ponds etc. Drill a well 100 feet deep and measure the fecal coliform, houshold chemicals etc. for miles downstream of major developments.