practice of a very bad economic system in which you all permit a few big financial swindlers and a million or two little swindlers to GYP you out of four-fifths of everything you earn by forcing you to pay INTEREST for the use of money and credit that they do not own.
 Their basic scheme is to control the quantity of GOLD that is obtainable throughout the earth and make you pay tribute to them because they have it in their vaults although you never feel of it nor see any of it. They make you believe that this Gold is the roots of the paper money and paper credit they issue to you as a trade convenience and through their surreptitious manipulation of this scheme they are able to collect about Twenty Billion Dollars from the gullible people in America each year as interest although it is seldom that the people at large have in their pockets for everyday use more than Four Billion Dollars in actual noney. Therefore, it should be easily understood by you as an intelligent being that the people at large are actually swindled out of four-fifths of their yearly earnings.
 PESSIMIST: By the way you talk against the Financiers while talking in favor of the manufacturers I am led to ask the question whether you consider that there is any difference between Capital and Finance.
 ANOTHER DIRECT CREDITS OFFICER: If you will read carefully Alfred Lawson’s copyrighted book KNOW BUSINESS you will learn that there is as much difference between Capital and Finance as there is between milk and a sponge. Finance is a vacuum that absorbs wealth through a fraudulent medium of exchange. It takes everything and gives nothing.
 Unless the business man learns these things and takes steps to eliminate them it is only a question of time when the financier will swallow up his business and leave him stranded, no matter how extensive his business, or how shrewd he may be.
 Capital is wealth and wealth is anything and everything made valuable by human effort.
 Capital (wealth) therefore is something tangible that was given value by the planning efforts of the Capitalist and the muscular efforts of Labor. On the other hand Finance gives absolutely no value at all to wealth, but absorbs it through a crooked system of tribute enforced by the collection of Interest on money and credit loans.
 By being powerful enough to have laws made to suit himself the financier is able to make the Interest Collection Swindle lawful. Thanks to the artificial laws man is governed by.
 PESSIMIST: Is there any difference then, between the interest collected by the financier and the profits collected by the Capitalists?
 ANOTHER DIRECT CREDITS OFFICER: There certainly is a difference. The Capitalist or Industrialist or Manufacturer or Farmer or Merchant makes a profit from a product which he helped to produce or distribute. The Financier collects interest without hav-