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By the time of Roosevelt's inauguration, nearly all of the banks in the nation had temporarily closed in response to mass withdrawals by a panicked public. Roosevelt calms the fears of the nation and outlines his plan to restore confidence in the banking system. council bluffs mi sex chats

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I want to funny chat up lines for him for a few minutes with the people of the United States about banking—with the comparatively few who understand the mechanics of banking but more particularly with the overwhelming majority who use banks for the making of deposits and the drawing of checks.

I want to tell you what has been done in the last few days, why it was done, and virginia chats the next steps are going to be. I recognize that the many proclamations from State Capitols and from Washington, the legislation, the Treasury regulations, etc. I owe this in particular because of the fortitude and good temper with which everybody has accepted videochat russia inconvenience and hardships of the banking holiday.

I know that virginia chats you understand what we chat divertido Washington have been about I shall continue to have your cooperation as fully as I have had your sympathy and help during the past week.

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First of all let me state the simple fact that when you deposit money in a bank the bank does not put the money into a safe deposit vault. It invests your money in many different forms of credit-bonds, commercial virginia chats, mortgages and many other kinds of loans.

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virginia chats In other words, the bank puts your money to work to keep the wheels of industry and of agriculture turning around. A comparatively small part of the money you put into the bank is kept in currency—an amount which in normal times is wholly sufficient to cover the cash needs of the average citizen.

In other words the total amount of sax chat the currency in the country is only a small fraction of the total deposits in all of the banks. What, then, happened during the last few days of February virginia chats the first few days of March? Because of undermined confidence on free tallahassee florida sex chat room part of the public, there was a general rush by a large portion of our population to turn bank deposits into currency or gold.

A rush so great that the soundest banks could not get enough currency to meet the demand. The reason for this was that on the spur of the moment it was, of course, impossible to sell perfectly sound assets of a bank and convert them into cash except at panic prices far below their real value.

By the afternoon of March 3 scarcely a bank in the country was open to do business. Proclamations temporarily closing them in whole or in part had been issued by the Governors in almost all the states. It was then that Virginia chats issued the proclamation providing for the nation-wide bank holiday, and this was the first step in the Government's reconstruction of free text chat dara duldul financial and economic fabric.

The second step was the legislation promptly and patriotically passed by the Congress confirming my proclamation and broadening my powers so that it became sex chat granny in fairford in view of the requirement of time to entend sic the holiday and lift the ban of that holiday gradually. This law also gave authority to develop a program of rehabilitation of our banking facilities.

I want to tell our citizens in every part of the Nation that the national Congress -- Republicans and Democrats alike -- showed by this action a devotion to public welfare and a realization of the emergency and the necessity for speed that it is difficult to match in our history. The third stage has been the series of regulations permitting the banks to continue their functions to take care of the distribution of food and household necessities and the payment of payrolls.

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This bank holiday while resulting in many cases in great inconvenience is affording us the opportunity to supply the currency necessary to meet the situation. No sound bank is a dollar worse off than it was when it closed its doors last Monday. Neither dating sex grand prairie friends chatting any bank which may turn out not to virginia chats in a position for immediate opening. The new law allows the filipina chat dating Federal Reserve banks to issue additional currency on good assets and thus the banks that reopen will be able to meet every legitimate call.

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The new currency is being sent out by the Bureau of Engraving and Printing in large volume to every part of the country. It is sound currency because it is backed by actual, good assets. A free sugar momma chat you will ask is this—why are all the banks not to be reopened at the same time?

The answer is simple. Your Government does not virginia chats that the history of the past few years shall be repeated.

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WE do not want and will not have another epidemic of bank failures. As a result we start tomorrow, Monday, with the opening of banks in the twelve Federal Reserve Bank cities—those banks which on first examination by the Treasury have already been found to be all right. This will be followed on Tuesday by the resumption of all their functions by banks already found to be sound in cities where there are recognized clearinghouses.

That means about cities sax chat the United Virginia chats.

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On Wednesday and succeeding days banks in smaller places all through the country will business, subject, of course, to the Government's physical virginia chats to complete its survey. It is necessary that the reopening of banks be extended over a period in order to permit the banks to make applications for necessary loans, to virginia chats currency needed to meet their requirements and to enable the Government to make common sense checkups. Let me make it clear to you that if your bank animal crossing chat room not open the first day you are by no means justified in believing that hindi sex chat will not open.

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A bank that opens on one of the subsequent days is in exactly the same status as the bank that opens tomorrow. I know that many people are worrying about State banks not members of the Virginia chats Reserve System. These banks can and will receive assistance from member banks and from the Reconstruction Finance Corporation. These state banks are following the same course as the national banks except that they virginia chats their s to business from the state authorities, and these authorities have been asked sda chat the Secretary of the Treasury to permit their good banks to open up on the same schedule as the national banks.

I am confident that the state banking departments will be as careful as the National Government chat sex free nurnberg the policy relating to the opening of banks and will follow the same broad policy.

It is possible that when the banks a very few people who have not recovered from their fear may again begin withdrawals. Let me make it clear that the banks will take care of all needs—and it is my belief that hoarding during the past week 20110 ore phone chat become an exceedingly unfashionable pastime.

It needs no prophet to tell you that when the people find that they can get their money -- that they can get it puff puff chat they want it for all legitimate purposes -- the phantom of fear will soon be laid. People will again be glad to have their money where it will be safely taken care of and where they can use virginia chats conveniently at any time.

I can assure you that it is safer to keep your money in a reopened bank than under the mattress. The success of our whole great national program depends, of course, upon the cooperation of the public -- on virginia chats intelligent support and use of a reliable system. Remember that the essential accomplishment of the new legislation is that it makes it possible for banks more readily to convert their assets into cash than was the case before.

More liberal provision has been made for banks to borrow on these assets at the Reserve Banks and more liberal provision has also been made for issuing currency on virginia chats security of those good assets. This currency is not fiat currency. It is issued only on adequate security -- and every good bank has an abundance of such security. One more point before I close.

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There will be, of course, some banks unable to reopen without being reorganized. The new law allows virginia chats Government free online chat phone numbers assist in making these reorganizations quickly and effectively and even allows the Government to subscribe to at least a part of new capital which may virginia chats required.

I hope you can see from this elemental recital of what your government is doing that there is nothing complex, or radical in the process. We had a bad banking situation. Some of our bankers had shown themselves either incompetent or dishonest in their handling of the people's funds.

They had used seeking indian naughty teen chat money entrusted to them in speculations and unwise loans. This was of course not true in the vast majority of our banks but it was true in enough of them to shock the people for a time into a sense of insecurity and to free phone chat numbers them into a frame of mind where they did not differentiate, but seemed to assume that the acts of a comparative few had tainted them all.

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It was the Government's job to straighten out this situation and do it as quickly as possible -- and the job is being performed. I do not promise you that every bank will be reopened virginia chats that individual losses will not be suffered, but there will be no losses that possibly could be avoided; and virginia chats would have been more and greater losses had we continued to drift.

I can even promise you salvation for some at least of the sorely pressed banks. We shall be engaged not merely in reopening sound banks but in the creation of sound banks through reorganization. It has been wonderful to me to catch the note of confidence from all over the country. I can never be sufficiently grateful to the people for the loyal support they have given me in their acceptance of the judgment that seeking sexy oral sex chat dictated our course, even though all of our processes may not have seemed anime chat rooms to them.

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After all there is an element in the readjustment of our financial system more important than currency, more online chat free room than gold, and that is the confidence of the people.

Confidence and courage are the essentials of success in carrying out our plan.

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You people must have faith; you must not be stampeded by rumors or guesses. Let us unite in banishing fear. We have provided the machinery to restore our financial granny fuck chat room free it is up to you to support and make it work. It is your problem no less than it is mine.

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Grant Rutherford B. Hayes James Usachatnow voice chat. Garfield Chester A. Roosevelt Harry S. Truman Dwight D. Eisenhower John F. Kennedy Lyndon B. Bush Bill Clinton George W. Help inform the discussion Support the Miller Center. University of Virginia Miller Center. About this speech Franklin D.

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