A farmer went into his banker and announced that he had bad news and good news. "First, the bad news..."

"Well," said the farmer, "I can't make my mortgage payments. And that crop loan I've taken out for the past 10 years I can't pay that off, either. Not only that, I won't be able to pay you the couple of hundred thousand I still have outstanding on my tractors and other equipment. So I'm going to have to give up the farm and turn it all over to you for whatever you can salvage out of it."

Silence prevailed for a minute and then the banker said, "What's the good news?"

"The good news is that I'm going to keep on banking with you," said the farmer.