Although Tom's father George has died, Tom has inherited the farm and things are looking up, as he plans to embark on a modernisation programme, and so he naturally applies to the bank for a loan.

The loan organised is a high risk foreign currency loan, and when the drought hits, the Australian dollar plummets leaving Tom and the family in a dire situation.

After a foreclosure which seems to have also cost Tom his marriage he decides to sue the bank. It takes years. He needs all the help he can get.