Growers got another $5 billion from the companies as part of their 1998 settlement of state lawsuits over smoking-related health care costs. When the last checks are cashed, surviving growers will be on their own, forced to find profits in a tremendously competitive global market. The people who can hang on can make a substantial living," said Harry Lea, a leaf dealer and tobacco warehouse owner in Danville, a one-time industry hub where tobacco fortunes in the 1800s built ornate Victorian mansions on a "Millionaire's Row. Most of its warehouses are empty, and unemployment has soared since anti-smoking laws and health campaigns prompted a continuing 3 percent to 4 percent decline in U.S.