Authors:

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.

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