The issue is to get the job done before high water season, ... That's when it would become a concern.

It's not about the money. A bank's No. 1 concern is the safety of its staff and customers.

A major concern is stock water, particularly in the Flint Hills - almost all that stock water is from ponds developed in pastures, and those pond water levels are way down, in some areas 40 to 50 percent of normal.

Our concern is that this is spring, and typically ground water and streams are recharged during the spring. Moreover, not only is precipitation down, but vegetation, which is coming out of its dormant state, will be drawing on the ground water.

It's a big cause of concern. We haven't seen water like this since El Nino.

That's a very difficult fine line for that person to walk. It raises concern as to what's going on.