have admitted their failure and have abdicated. Practices of the unscrupulous
money changers stand indicted in the court of public opinion, rejected
by the hearts and minds of men.

True, they have tried, but their efforts have been cast in the patten of
an outworn tradition. Faced by a failure of credit, they have proposed
only the lending of more money Stripped of the lure of profit by which
they induce our people to follow their false leadership, they have resorted
to exhortation, pleading tearfully for restored confidence. They only know
the rules of a generation of self seekers. They have no vision, and when
there is no vision, the people perish.

Yes, the money changers have fled from their high seats in the temple of
our civiIization. We may now restore that temp1e to the ancient truths.
A measure of that restoration lies in the extent to which we apply social
value, more noble than mere monetary profits.

Happiness lies not in the mere possession of money it lies in the joy of
achievement, in the thrill of creative efforts, the joy and moral stimulation
of work no longer must be forgotten in the mad chase of evanescent profits.
These dark days, my friends, will be worth all they cost us, if they teach
us that our true destiny is not to be ministered on to, but to minister
to ourselves, to our fellow men.

Recognition of the falsity of material wealth as the standard of success
goes hand in hand with the abandonment of a false belief that public office
and high political position are to be valued only by the standards of pride
of place and personal profits, and there must be an end to our conduct
in banking and in business, which too of ten has given to a sacred trust
the likeness of callous and selfish wrong-doing. Small wonder that confidence
languishes, for it thrives only on honesty on honon on the sacredness of
our obligation, on faithful protection and on unselfish performance. Without
them it cannot live.

Restoration calls, however, not for changes in ethics alone. This nation
is asking for action, and action now.

Our greatest primary task is to put people to work. This is no unsolvable
problem if we take it wise1y and courageously It can be accomplished in
part by direct recruiting by the government itself, treating the task as
we would treat the emergency of a war, but at the same time, through this
employment, accomplishing greatly needed projects to stimulate and reorganize
the use of our great natural resources.

Hand in hand with that, we must frankly recognize the overbalance of population
in our industrial centers and by engaging on a national scale in a redistribution
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