The chief difficulty in time of war is to make people realize the need of economy when they have, as our people have, more money than ever before, when enormous sums of money pour out ceaselessly to the people from the Government. They have to realize the fundamental difference between peace prosperity and war prosperity. Peace prosperity comes from the creation of wealth. War prosperity comes from the dissipation of wealth--the use of all resources--the pledging of credits. It is just as if we, as individuals, to meet a personal crisis, took all our personal savings and borrowed all we could and proceeded to spend it. The wise man or woman will save all of it they can and realize that every unnecessary dollar spent helps the enemy. No civilian in a struggle of this kind has any moral right to more than necessary things. We want every man and woman to have all they need for their efficiency. We would not say for one moment that every one can save, and money spent on clothing and feeding the children and keeping the home comfortable is well spent, but nothing should be wasted. The standard in this matter should be set by the rich, on whom rests the greatest responsibility, moral and social. It is impossible to expect workers to save if they see luxury and extravagance everywhere round them. One cannot too strongly say that. The civilians who work hard to produce, who have done heavy toil in munitions and industry, and receive good wages and then go out and spend it lavishly might just as well have slacked at their work. The ultimate effect is the same. They have undone the good they did. It is as if soldiers having won a trench let the Germans come back into it. People of small means often feel that all they can save is so small that it cannot really help and wonder if the effort to save is worth while, but if every person in America saved 2 cents a day, it would amount to $730,000,000 in a year, and that would find a great deal of munitions. Finding the money by saving finds everything, releases men for the army, finds labour and money for munitions, finds labour for ships and relieves the demands on tonnage, finds supplies. It is the fundamental service of the civilian, and no good citizen wants luxuries while soldiers and sailors need clothes and guns and ships and munitions. Everybody, man, woman, and child, can join the great financial army and march behind our men, and women have done with us and can do everywhere a great work in this. Women are on our National Committee and doing a great deal of its organization. Our men in the trenches, in the air, at sea, endure for us what we would have said before the war was humanly unendurable. They pay for our freedom with a great price--and we send them out to pay it--in death, disablement, suffering and sacrifice. To fail in our duty behind them would be the great betrayal. Our treasures are very small things compared with our men. Shall we give them and not our money?