"No, I didn't, Al. I told him I'd think it over. In fact, it was to look things over that I came out here to-day," he replied. "I don't know whether I mentioned to you, John," remarked his friend, "but the Farmers' Mutual Life Insurance Company, which I represent, is seeking all the farm loans they can find. We consider them the best loans to-day." "How's that, Al?" asked the banker. "Well, it's like this. You loan a farmer a thousand dollars and in nearly every case the money goes to improve the land, hence makes the value that much greater. Then a wide-awake farmer generally wakes up his neighbors and the value of all the farms goes up, which naturally makes our risk less. We don't care how bad a farm may be run down, John, if the farmer is a live one--one who has the 'git up and git,' as you say--we'll advance him any reasonable amount of money to help him. And that, by the way, brings me around to tell you why I dropped off to see you this morning. We want to place some of our surplus funds in farm loans in your section and would like to have your bank handle them for us." "Why, Al, that's fine. I've a small policy myself in your company, and it's certainly good of you to pick out the First National to place these loans. I'll be a real booster for your company now. "But referring to wasted opportunities, Al, do you see that sand and gravel pit over there on the other side of the pond? There's enough sand and gravel there, I've no doubt, to supply this entire county with concrete fence posts, silos, barns and all manner of buildings, to say nothing of building fine concrete roads throughout the whole county. And I'll tell you something more: Joe Williams hasn't waked up to the fact that there's a railroad coming through about three miles below his farm that will require thousands of yards of sand and gravel for concrete bridges, and that this is the only sand and gravel pit within a reasonable haul that's worth while. Why, do you know, Al, for years and years they've been letting people drive in here and haul away sand and gravel free of charge. "You don't say!" exclaimed his friend. "Yes, but speaking of concrete, Al, just think what a saving in horseflesh a twenty-foot smooth concrete road all the way from here to town would mean to these farmers--recent tests with a three-ton auto truck show that while it could make only 3.6 miles per hour over dirt roads, it could make twelve miles per hour over unsurfaced concrete roads, which would represent in the United States a saving of nearly two and one-half million dollars on auto-truck hauling alone, to say nothing of horse-drawn vehicles--just think of it, Al. But there's that old dirt road, same as it's been for years, hub deep with mud in spring and winter, and so dusty in summer that there is no pleasure in driving over it, and a dead loss in both time and money every time a farmer drives over it."