equal in size to the interest installments they are now making, thus paying the principal with the money saved in interest. Magic? No, just horse sense.
AUTHOR OF DIRECT CREDITS:
 What establishes the value of the Dollar unit under Direct Credits?
ANSWER:
 The unit Dollar, in Direct Credits has no value at all. It is merely the yard stick of measurement of the relative values of products or services.
 The values of services or products are not given them by the Dollar but are just measured by the dollar. A quart bottle will measure milk but not give it value or quality.
AUTHOR OF DIRECT CREDITS:
 I am now past 50 and all of my wealth has been swept away by the Depression at a time when I thought that I was comfortably situated for the rest of my days. My parents died when I was young and left me properties and money in banks valued at a Quarter of a Million Dollars from which I was enabled to live like a gentleman from the interest upon the money and mortgages and rents upon the real estate. etc.
 Now everything has been taken from me by the financial sharks and I am absolutely helpless and crushed in spirit. Tell me, good man, is there any hope left for me in this dreary world?
ANSWER:
 The scales that balance all things have tipped you back to the lower end of the tee­ter-totter.
 The law of maneuverability now demands that you repay that which you have taken from others.
 The system which you thought was right when you forced others to pay you “legal” interest upon the money that you thought you owned has at last taken its toll upon you in spite of the fact that - you thought you were smart enough to beat it. And it has crushed you at a time when you are least able to combat it. That is action and reaction.
 However, there is still hope for a gentleman who would go through life without any tangible return for his food and shelter, and you still have time to repair the damage you have done through upholding a system that has crushed the life out of innocent babies and feeble old folks, and there is still a chance left for you to make peace with your Maker by deeds of reparation instead of resorting to the squeal of a pig that has begun to feel the sharp edge of the knife.
 By now working day and night for the rest of your life to establish and maintain “Direct Credits for Everybody” your past mistakes can be remedied, and by forgetting yourself, henceforth, and working for the benefit of everybody you will enjoy the only real happiness that is to be had in this world.
AUTHOR OF DIRECT CREDITS:
 Please tell me where, with Direct Credits in operation, will the money come from. Without Gold how will it get its value?