You have the highest of human trusts committed to your care. Providence has showered on this favored land blessings without number, and has chosen you as the guardians of freedom, to preserve it for the benefit of the human race. May He who holds in his hands the destinies of nations, make you worthy of the favors He has bestowed, and enabled you with pure hearts and hands and sleepless vigilance, to guard and defend to the end of time, the great charge He has committed to your keeping.

Eighteen months ago, when first I stood before you I called attention, as earnestly and seriously as I knew how, to what looked to me to be the dangers that were ahead, and I urged you at that time to practice the old virtues of thrift, of honesty, of truthfulness, of industry, and so on through the list of those I named. All that I said then I say again.

That man has a spiritual body is evidenced by the account . . . given in the writings of Moses that man was created spiritually in heaven before he was given a natural body.

You have the highest of human trusts committed to your care. Providence has showered on this favored land blessings without number, and has chosen you as the guardians of freedom, to preserve it for the benefit of the human race. May He who holds in his hands the destinies of nations, make you worthy of the favors He has bestowed, and enabled you with pure hearts and hands and sleepless vigilance, to guard and defend to the end of time, the great charge He has committed to your keeping.

Let us avoid debt as we would avoid a plague; where we are now in debt, let us get out of debt; if not today...tomorrow.

It is the eternal, inescapable law that growth comes only from work and preparation, whether the growth be material, mental, or spiritual. Work has no substitute.

Debt never sleeps nor sickens nor dies; it never goes to the hospital; it works on Sundays and holidays; it never takes a vacation...it is never laid off work...it buys no food; it wears no clothes; it is unhoused... it has neither weddings nor births nor deaths; it has no love, no sympathy; it is as hard and soulless as a granite cliff. Once in debt, it is your companion every minute of the day and night; you cannot shun it or slip away from it; you cannot dismiss it...and whenever you get in its way or cross its course or fail to meet its demands, it crushes you.