"Profit, another form of interest, is an expensive process of your money system. The Romans had a saying, _Caveat Emptor_, 'Let the buyer beware.' History shows that your industrial, and commercial business, and services have always been based on hard bargaining. The desire for more money gain was and is so deeply impregnated in you that it has blunted and broken down your ethical standards. You have always tried to get the most gain for the least value. Some sellers take advantage by overcharging, underweighing, substitutions. Others, through their open and secret control of combinations, and cartels create price fixing pools. Some manufacturers, retailers, contractors, and producers monopolize and create a scarcity and a demand. The consumer through necessity is compelled to purchase from them, or from cut-throat grey and black markets. "Your World Almanac of 1950, page 652, gives for 1945 as many as 250,881 manufacturing establishments, with wholesale value of manufacturing at $74,425,825,000 on page 656 for 1948, and retail sales at $130,000,000,000. Whatever you purchase has also an added cost by billions of dollars for advertising, from your biggest article down to your match or piece of chewing gum. "Your credit sales and charge accounts have not only increased the cost of your purchases, but have intensified the demand for luxuries you do not need or can't afford. You buy these things on the installment plan, even if you have to pay more, plus interest, to carry your account. "Commissions, and fee payments on your purchases, sales, and rental collections to stock, bond, real estate, and commodity brokers plus your attorneys' fees is another enormous and excessive drain on your resources. "The economic financial incubuses you have created now control your lives, from the day of your conception, until long after your death. With your money they directly control your most essential industries; and indirectly hold ownership through their loans, and mortgages, of your business, your homes, farms, stock, lands. They are on the Board of Directors, guiding the policy and controlling all your financial institutions and your most profitable enterprises taking most of the profit for themselves by devious methods. To hide and not openly show their large earnings, they often by subterfuge, declare and cut 'melons' to their stockholders by exchanging three, four or more shares of the same company for every one of their shares. By this artifice, they endeavor to show a smaller dividend as well as make the new issue of shares of a lower value, for manipulative and trading purposes. They also continuously increase their capitalizations or lower their par value sometimes for the same purpose.