ALBANY, Minn. (AP) — Snow still covered the ground when Jeff Skalicky visited a Villard farm for work in March 1998. At the time, Jeff was nicknamed "Banker" — his father Norm is the longtime Stearns County Bank CEO. "We walked inside the greenhouse and it blew my mind," Jeff recalls. "It was full of beautiful plants with big huge tomatoes on them." The farm he visited used hydroponic technology, which grows plants in mineral solutions instead of soil, the St.