 Actually, the note said that he had 30 years to pay it off with annual payments unless the bank decided to demand payment in full at any time. He didn't read that part. He also thought the interest rate was a fixed 4.25%, but that was only for the first five years. Make sure you read and understand what you sign. The legal consequences of not doing so can be significant. This has been the Agricultural Law and Tax Report. I'm Roger McCowen.