"I've got some good news and some bad news to tell you. Which would you like to hear first?" the farmer asked.

"Why don't you tell me the bad news first?" the banker replied.

"Okay," said the farmer, "With the bad drought and inflation and all, I won't be able to pay anything on my mortgage this year, either on the principal or the interest."

"Well, that is pretty bad," said the banker.

"It gets worse," said the farmer. "I also won't be able to pay anything on the loan for all that machinery I bought, not on the principal or interest."

"Wow, is that ever bad!" the banker admitted.

"It's worse than that," the farmer continued. "You remember I also borrowed to buy seed and fertilizer and other supplies. Well, I can't pay anything on that either ” principal or interest."

"That's awful,…