A 90 year old farmer goes to the banker for a loan to buy land. The banker has some concerns due to the old codgers age. "What happens if you die before the loan is paid off?" The banker asks. "I'll send you a check from heavan, because God would want all my obligations taken care of," The old farmer answered. "But what if you go the other direction?" the banker queried. "Then I'll deliver it to you in person."