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 often 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 honor, on the sacredness of our obligation, on faithful protection and on unselfish performance. Without them it cannot live.