Early settlers discovered that the Great Plains were not the "Great American Desert," but they also found that the very harsh climate—with tornadoes, blizzards, drought, hail, floods, and grasshoppers—made for a high risk of ruined crops. Many early settlers were financially ruined, especially in the early 1890s, and either protested through the Populist movement, or went back east. In the 20th century, crop insurance, new conservation techniques, and large-scale federal aid all lowered the risk. Immigrants, especially Germans, and their children comprised the largest element of settlers after 1860; they were attracted by the good soil, low-priced lands from the railroad companies. The railroads offered attractive Family packages. They brought in European families, with their tools, directly to the new farm, which was purchased on easy credit terms. The railroad needed settlers as much as the settlers needed farmland. Even cheaper land was available through homesteading, although it was usually not as well located as railroad land.