=State Encouragement of Agriculture.=—The encouragement of agriculture has not been left entirely to the national authorities. Most of the states also maintain departments of agriculture in charge of boards or commissioners. In most of the states, moreover, state colleges of agriculture have been established, and these may be attended, usually without the payment of tuition fees, by any qualified resident of the state. Short courses of instruction are given in various branches of agriculture for those who can spend but a few weeks or months at these agricultural colleges; extension work is carried on and scientific investigations made. This work has been, to some extent, assisted by grants of land and money from the national government. The chief individual factor in bringing both the federal and state agricultural authorities into touch with the farmers and cattle raisers is the county agent. He addresses them at their meetings, advises them on all agricultural matters, and helps them to form agricultural clubs. =The Problem of Agricultural Credits.=—In agriculture, as in industry and commerce, a considerable amount of capital is needed. It takes capital to buy land, to improve it, to obtain machinery and live stock, to purchase seed, and to pay expenses during the period between seedtime and harvest. Until recently the agriculturist has been at a disadvantage, as compared with the manufacturer, in securing this capital. The banking system of the country was organized mainly to assist the operations of industry and commerce; there were no special banks to assist agriculture. [Sidenote: The Federal Farm Loan Banks.] In 1916, however, a system of Farm Loan Banks was established. There are now twelve such banks situated in as many regions of the country. Their function is to loan money on the security of agricultural or grazing land at reasonable rates of interest, the loans to be repaid in installments over a term of years. This has placed agriculture on an equality with all other forms of production as regards loans based on the security of land; but for loans upon the security of cattle, crops, and other personal property, the agriculturist must still depend upon the regular banking institutions. [Sidenote: “Seasonal” character of agriculture.]