VIBORG, S.D. -- C.L. "Pete" Jensen steps over a puddle and looks out over a mile-wide lake" whose surface is punctuated only by the roof of a barn and the tip of a grain silo.

"This is something I hope I never have to go through in my lifetime again," says the loan officer of Farmers State Bank. The water has dealt a crushing blow to one of the burly banker's borrowers.

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