using all the improved methods and instruments that are available. Then the decision is made that here is a formation that ages ago might have trapped oil. We drill a well, and we find all conditions existing as we had anticipated, except that Mother Nature did not put any oil in that particular spot. Only the conditions were favorable, not the results. Likewise in banking, working with the human equation, we sometimes find all existing conditions favorable for a producer, yet a failure results. There is that quality, or the lack of it, in a man that makes him a producer or a failure. By using all the tools at hand, we make our appraisal of men, and I am very happy to say that in my fellow men, the favorable percentage prevails.