I earnestly advise the formation of local live stock associations throughout the State, at least one in each county affiliated with the State Association, and having special committees on Tick Eradication and Hog Cholera Control, composed of the ablest, the most energetic and the most influential men in the various communities. Let these associations hold meetings at regular intervals for the free exchange of views and experiences; let expert and interesting speakers from abroad bring to these meetings fresh information and impetus; let there be added such social and entertaining features as may be available--music, barbecues, moving pictures, boat excursions, what-not--to attract the multitude, relieve the monotony of farm life, and increase neighborliness and good community feeling. Let the co-operation of the banks of the region be secured, for the generous financing of pig clubs and corn clubs. * * * There is one other matter of prime importance to which I invite your attention. If the live stock industry of Florida is to be put on the most stable basis and developed with reasonable rapidity, immense sums of money will be required. Fences must be built; drainage canals and ditches must be dug; improved and more nourishing grasses must be introduced over vast areas; other great areas must be planted with forage crops; silos must be built; plows, harrows and other expensive implements must be purchased; horses, mules and tractors, herdsmen, farmers and laborers must be secured and put to work in great numbers; a multitude of pure-bred bulls and cows, boars and sows, rams and ewes, stallions, jacks and mares must be imported for the improvement of our native stock. Where are the necessary funds coming from for the financing of those enterprises? Perhaps the large ranch owners can take care of themselves, but what our State needs above all things else is thrifty farmers by the thousand, now on the ground or drawn from other states by our surpassing advantages of soil and climate; where shall these secure the funds necessary for the development of their more modest holdings? Florida is a relatively new and scantily populated State; there are here no great reserves of cash and securities, accumulated and bequeathed by generations of toiling and thrifty ancestors, as in some parts of the country. Many of the banks are doing their best to care for our live stock interests, but the ability of our local banks--and I speak now as a banker--is strictly limited in this direction.