It was a matter of serious complaint that farmers responded very slowly in the first Liberty Loan campaigns. At the second call vigorous attempts were made through the corn belt to rouse the farmer, who had profited so enormously by the war’s augmentation of prices. In many cases country banks took the minimum allotment of their communities and then sent for the farmers to come in and subscribe. The Third Loan, however, was met in a much better spirit. The farmer is unused to the methods by which money-raising “drives” are conducted and he resents being told that he must do this, that, or the other thing. Townfolk are beset constantly by demands for money for innumerable causes; there is always a church, a hospital, a social-service house, a Y. M. C. A. building, or some home or refuge for which a special appeal is being made. There is a distinct psychology of generosity based largely on the inspiration of thoroughly organized effort, where teams set forth with a definite quota to “raise” before a fixed hour, but the farmer was long immune from these influences. In marked contrast with the small farmer, who wrests a scant livelihood from the soil, is his neighbor who boasts a section or a thousand acres, who is able to utilize the newest machinery and to avail himself of the latest disclosures of the laboratories, to increase his profits. One visits these large farms with admiration for the fruitful land, the perfect equipment, the efficient method, and the alert, wide-awake owner. He lives in a comfortable house, often electric-lighted and “plumbed,” visits the cities, attends farm conferences, and is keenly alive to the trend of public affairs. If the frost nips his corn he is aware of every means by which “soft” corn may be handled to the best advantage. He knows how many cattle and hogs his own acres will feed, and is ready with cash to buy his neighbors’ corn and feed it to stock he buys at just the right turn of the market. It is possible for a man to support himself and a family on eighty acres; I have talked with men who have done this; but they “just about get by.” The owner of a big farm, whose modern house and rich demesne are admired by the traveller, is a valued customer of a town or city banker; the important men of his State cultivate his acquaintance, with resulting benefits in a broader outlook than his less-favored neighbors enjoy. Farmers of this class are themselves usually money-lenders or shareholders in country banks, and they watch the trend of affairs from the view-point of the urban business man. They live closer to the world’s currents and are more accessible and responsive to appeals of every sort than their less-favored brethren.