I want to talk about the significance of the term 'mortgage.' I find interestingly that 'mortgage' is one of the few words that is truly a dividing point between children and adults. Our kids these days are worldly wise, but if you say to young people, "What's a mortgage?" they often do not know. I guess that's something that we adults shield our kids from. If you say to a group of adults, "What's a mortgage?" the heads go up and down because we're all personally acquainted with that financial obligation. Mortgages, of course, were part of the J.B. Watkins Land Mortgage Company. He did not put mortgages on new properties, but rather on farmers who had a track recordDespite that, in the late 1880's and early 1890's bad prices and bad weather led to hundreds of thousands of acres of land coming back to the J.B. Watkins Land Company. Subsequently, Watkins, trying to make all this land valuable, was among the first to drill irrigation wells into the Oglalla Aquifer to try to make the land of central and western Kansas productive.