Tom can't believe his eyes when his old mate Max Arnold arrives at the bank with a hefty cheque written on the side of a cow. It's legal tender, snorts Max, and if the bank is so determined to milk him for mortgage payments, well let them learn how—milk this! Country life has changed. There was a time when a bank manager would cut some slack to catch up on a missed payment. Not any more. Tom goes to see bank manager Kevin Sutton to discuss Max's difficulty but Sutton remains steadfast. Tom returns to find the station empty and the phone ringing. It is a struggle coping one member down and no replacement for Dash in sight. When the Heelers learn from St David's that staffing levels are under review, tempers become short. Are they really expected to continue like this? More bad news when Chris arrives to see Tom. Has he heard that the Vic Bank is closing down? What are they to do without a bank? Tom wonders whether his beloved Mt. Thomas is about to suffer the same downward spiral