I want to answer your point. Oklahoma. or a larger portion of it. was opened for settlement 18 years ago. It was possibly the newest country in the United States where there was a large rush of immigrants. When those people came into that country and settled in that country and in that community. those who engaged in the banking business knew very little about them. except that they came from some other section of the country. That being the case. the risk was greatly increased. I mean by that when a man was given a loan. they did not know anything about the moral part of the risk.
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immigrants