_.The Social Crediter, Saturday, November 5th, 1938.

Vol. 1. No.8. Registered at G.P.O. as a News~per.Postage (home and abroad) Id. SATURDA Y, NOVEMBER 5th, 1938. 3d. Weekly.

"MORAL RE-ARMAMENT"r

The publication of the following letter has been authorised by Major Douglas:-28th October, 1938.

The Principal Private Secretary toThe Right Hon. Neville Chamberlain, M.P., P.M.10, Downing Street, -Whitehall, S.W.1.

Dear Principal Private Secretary,Major Douglas has asked me to thank you for your letter of the 20th instant and to say

that he fully appreciates the pressure upon the Prime Minister's time and will reply to hiscorrespondents in this sense.

In regard to the last paragraph of your letter, he feels that his assurance of agreementwith the Prime Minister's present policy could be given more practical expression if he wereassured of the recognition for the necessity of what has come to be called "moral re-arma-ment." By this he understands the raising of the morale of the general population, whichis admittedly far from satisfactory.

For instance, Major Douglas feels that the almost contemptuous disregard of theprovisions of the Petition of Right, which expressly prohibits compulsory billeting, and the-suggestion of compulsory billeting itself, is nicely calculated to convince the. population that ithas already lost so many of its liberties that a victory by a totalitarian State is not of very

much importance and the avoidance of it is hardly worthfighting for.

IN THIS ISSUE: .

Contributors:Maj~r C. H..DouglasMrs. B. M. PalmerArthur BrentonMiles HyattTudor JonesJohn Mitchell

ALBERTADOCUMENTS

In general, he feels that the hysterical cry for sacrificewould be less irritating if there were any general convictionthat the banks and insurance companies, who have been almostthe sole beneficiaries of the continuous sacrifices made duringthe last 25 years, would be, as a preliminary, asked to disclosethe true value of their holdings, the rate at which they havebeen acquired and, should it be found that this is in excess ofgeneral business profits, be required to disgorge them beforesacrifices are asked in regard to the property of the generalpopulation.

"Que messieurs les assassins commencent!"

Yours very truly,

(The letter is signed by Major Douglas'S private secretary).

Pa~e 2 THE SOCIAL CREDITER

C,OMMENT AR YSome of the newspapers are

still publishing their (unofficial)estimations of which day of the warthis would have been if there hadbeen a war. .

* * **Since this is one of the things

we do in our sleep, we beg to an-nounce that this 5th day of Nov-ember, 1938, would have been thesix thousand nine hundred andthirty-fifth day (or thereabouts) ofthe Social Credit era-if the worldhad had any sense.

* * **Further -it would have been the

three hundred and fourteenth(about) if the Social Crediters in ithad had more energy and had ap-plied it more consistently inaccordance with Major Douglas'sadvice.

*. * * *Things being what they are, we

may have still 156 working daysavailable to finish the job-which is496 days late (counting the Sun-days).

* * * *(It is to be hoped that the

movement doesn't catch this in-fection and start still anotherparlour game!)

* * * *"The Industrial Christian Fel-

lowship Review" (Oct. 1938) con-tains the statement that the Britishpeople "certainly have' no more"than a few ·weeks to save them-selves. There. is also the sta temen tthat Christians "must" ... "ensure"... "a solution on the basis· ofiustice and reason rather than onthat of the comparative force behindthe interests in conflict."

* * * *In that case (unless a "com-

parative force" is something differ-ent from a mere "force,") only amiracle will save the British people,and by a miracle I mean not merelysomething unusual or inexplicablebut something contrary to nature asT know it. .

* * * *In Social Dynamics as in mech-

anics, movements occur when the

impressed forces suffice to producethem, and not otherwise:

* * * *Why do altogether delightful

and estimable people get muddledabout things of this kind ?~Well, itdoes, I admit, sound dogmatic. Butwhat would you say if you heardthis :-- I};.r .~ ..., ~

* * * *"Oh no, really! I do not like the

self-assurance almost amounting toarrogance of statements of thatkind! So sweeping! So illiberal! Sofinal! I am willing to agree that2 and 2 together make 3.987 if youlike (or, since it is Sunday, and evenif it were not, ge~,erosity is some-thing we should all cultivate) 4.013-but .

* * *And so on!

* * * *A solution (whether just or un-

just, reasonable or unreasonable) issomething which can only bereached when the interests in con-flict generate forces tending to asolution. .

* * * *The "interest" might just as

well be Mr. Chamberlain's cookgenerating Mr. Chamberlain's forceas "public" interest generatingparliament's force (but not solikely). What matters is that thisforce is exerted in the right direc-tion (whatever that is) and isgreater than the combined forcesopposing it.

* * **I hope public attention will not

be diverted from this essentialmatter by the epidemic of gaff-blowing which has begun.

* ** *Mr. -Keynes ("one 'of the various

Keynes" of a former 'trial-by-jury')denies Mr. Lloyd George's state-ment that he gave any "specialstimulus to the piling-up of repara-

. tions." His influence (and the lateProfessor Ashley's) was "the op-posite." They based their reporton the assumption that "this country

would make no claim to reparation."'''But,'' says Mr. Keynes, "I can

confirm his claim" (Mr. George's)"that he never honestly believed inthe advice given him by Lord Cun-liffe, Lord Sumner, and Mr. Hughes,and that his acquiescence in it (aswell as his appointment of thesethree, after he knew the opinions oftwo of them, as the sole Britishmembers of the Reparations Com-mittee of the Peace Conference)was due, not to conviction, but to asupposed political expediency."

*. * * *"Supposed" is good. "The

Financial Times," Sept. 26, 1921,didn't mince matters: "Whoevermay be the indiscreet minister whorevives the money-trust bogey at amoment when the Government hasmost need to be polite to the banks,should be put through an element-ary course of instruction in fact aswell as in numbers. Does he, dohis colleagues realise that half adozen men at the top of the five bigbanks could upset the whole fabric

. of Government finance?"

* * *The United Kingdom Pavilion

at the Glasgow Exhibition, erectedat a cost of £75,000, has been soldfor £5,000. Pavilions and kioskshave been sold on an average forone fifteenth of their original cost.The Exhibition didn't "pay"-i.e., itdidn't recover its cost. Well, howcould it without at all events leav-ing costs unrecovered somewhereelse?

For THE TRUTH IN ALBERTARead· "Today and Tomorrow"

Send your sub. to TODAY AND TOMORROWl016-Jl8th Street, Edmolltoll, Albert.

Subscriptions $1.58 a year(at tl<e present rate of exchange about 6s.)

You can subscribe by International MoneyOrder, obtainable at any Post Office.

The 'NEW ERAAustralia's Social Credit Weekly

Z4 Page.. Illustrated. 12 MOD..... 1%1.

The' New 'Era, Radio H--,Z96 Pitt. Str_t. S,dD.,., Au.tndia.

THE SOCIAL CREDITER'.~~:"9S'

Page 3

Mrs. Palmer's Page

WHAT ARE WE WORKING· FOR?About six months ago I met a

woman who was anxious to learnall she could about the movement.After we had talked for a while,she said:

HI can't understand why youthink this world is in such a seriouscondi tion. Things are far betterthan they were even in my child-hood. Look at what people haveto make life pleasant-radio, cine-mas, cheap travel to the country,short working hours-and thinkwhat they have given them-educa-tion, medical service, and moneywhen they are out of work. Noone need starve. They are far

thing we can get in a hurry!I answered my enquirer's

questions by pointing out thatthings had been going wrong for avery long time, and that if shewished to get a correct idea ofsocial progress, she should go backto the thirteenth century, and thinkwhether present day civilisationjustified six centuries of labour andinvention.

Just recently I cut from the"Woman's National Newspaper" thetable reproduced on this page.

To make this list complete itshould be added that the average

XIIIth CENTURYDEBT £0.

PRICES:MEAT: Maximum !d. per lb.FAT GOOSE - 2d.GALLON of BEER 1d.PAIR of SHOES 4d.HOLIDAYS: 152in a year.WEEK: 4 days.POWER of PRODUCTION:

Man and Horse.MAN'S ACHIEVEMENT:

Cathedrals, Guildhalls,Art, Literature.

XXth CENTURYDEBT £8,000 Millions.

PRICES:MEAT: - 2/- per lb.FAT GOOSE - 8/6GALLON of BEER 5/4PAIR of SHOES 12/6HOLIDAYS: 56 in a year.WEEK: 61 days.POWER of PRODUCTION:

(About a million times greater thanthe XIIIth Cent.)

Steam, Electricity, PetrolMAN'S ACHIENEMENT:

Slums, Crowded Hospitals,Distressed Areas, PublicAssistance Committees.

better off than even thirty yearsago." ,

Had we met yesterday I do notthink she would have given me thislist of so-called blessings. Forto-day there. is another gift fromPandora's box to be 'reckoned with-the .possibility of complete annihi-lation in circumstances of untoldhorror. 'Many now wish theycould spend their lives in anothercentury; but let the. danger of waronly appe,ar to recede and we shallhave the old arguments cropping upagain-:-Hmake haste slowly," "youcan't do everything at once," "thingsare much better than they were,"etc., .etc. War seems the oaly

weekly wage in the thirteenthcentury was two or three shillings,but it will be readily seen that,measured in real purchasing power,the standard of living must havebeen four or five times higher thanit is to-day. Still more arrestingfacts can be found in the standardwork by Thorold' Rogers's, "SixCenturies of Work and Wages,"published in 1912.

I do not, however, ask you toread this book. To acquire anexpert knowledge of the history of .social conditions helps no one. ButI do want you to ask yourselveswhether the things which have been,

." given" .you since 1400 are more'".

than a minute fraction of the thingswhich you might have had' as aresult of six hundred years' of un-ceasing effort on the part of yourancestors; or can compensate you,in any way, for the things you havelost.

And having said that, I scarcelyknow how to go on writing becauseof the vision of the might-have-been that rises before me. Yet Ido not know that it would serveany' good purpose to describe thebeautiful, ordered country-side, thestately cities,. and the leisuredhappy lives we might have led.There is Napoleon's angry protest:"There would not have been anartisan in France; they would allhave been artists." (It is merelyan image: a picture).

Douglas has said that thetragedy of this wasted humaneffort has arisen from a failure todistinguish between means and ends.

In those early days, whenEngland was purely agricultural andentirely self-supporting, the peoplewere only concerned with growingenough food and making enoug:hclothing for themselves and theirchildren. They traded in order t<{obtain the produce which theycould not grow. All educationand many of the amusements wereprovided by' the church, which, atthat time, took a seven-days-a-weekinterest in the people's lives.

Those lives were simple andreal. There was no false reason-ing about them.. The King had hisappointed tasks. He had to main-tain order, and provide the peoplewith a reliable coinage, morrey"which no one would refuse in ex-change for his goods."

Rogers sums up thus:-. "The life of our ancestors, thoughlaborious, was not, without itshopes. All the necessaries of lifein ordinary years, when there wasno dearth, 'were abundant and cheap,and even in dear years, the marginof wages or 'profits, over the barewants of life was considerable,enough to fill up the void, eventhough the labourer had to subsist

q(

,,!,;~Page 4

----~--.--.-----...-----.---.-- ----------------

THE SOCIAL CREDITER

for some time on some cheaperfood than wheaten bread. Meatwas plentiful, poultry found every-where; eggs cheapest of all. Thepoorest and meanest man had noabsolute and insurmountable impedi-merit put on his career, if he wouldseize his opportunity and make useof it."

At this time then, means werein a true relation with ends. In allprobability there was no philosopherwho realised that it was so. Lifewas an harmonious whole. The

- jargon we hear to-day concerningthe "business world," "artisticcircles," "the church," as thoughthey were all in water-tight com-partments, would have been com-

pletely meaningless to these people..It ought to be meaningless to us.

I am not foolish enough, tothink that we should attempt toreturn to these times. That is im-possible. I have met peopleoccasionally, usually artists, whohave assured me that if only we hadthe courage to destroy all labour-saving machinery all would be well!One man told me that my timewould be well-spent in collectingthe sheep's wool off' the hedges,spinning it into yarn and weavingmyself a dress, as they did in theold days.

I may laugh at these wild ideas,while understanding that thespeaker was groping feverishly for

some contact with reality.We have seen that during the

middle ages people acted on theprinciple that the only object ofproduction was consumption. Trueprogress would have been to graft

. each invention and discovery on tothis plain way of life, so that everyone reaped the benefit in betterfood, clothing arid houses, and moreleisure for self-expression andamusement. Thus might havearisen a state of life in societywhich did not make society mean-ingless. The fact that it did not isdue to the failure to distinguishbetween' means and ends whichsomehow crept upon mediaeval life.

-.- B. M. PALMER.

GAS MASKDuring the crisis, somebody

called and left two gas-masks at myhouse. What they cost to makeI do not know. But on a roughinspection of them I should saythat 2/- the. lot would be a fairprice. Assuming that price, Ishould have to pay it in rates ortaxes (or both). This raises thequestion: How soon? These articlesare "capital" goods. Therefore, onaccepted principles of accountancy,I should be charged not the full costof them, but just enough to main-tain their efficiency. But that opensup the question of maintenance.These articles are in my possessionand I do not know how to maintainthem. Further,' they are "Gov-ernment property," and presumablyI am supposed' not to interferewith them, but simply to mind themin a special box-when I get the box.Of course,' they may maintainthemselves until the next war-thatis they will retain their virtue untilthen. In that case there would beno need for me to pay anything atall. Going to the other extreme,they may lose their virtue so fastthat they are already useless. Inthat case I ought to pay the 2/- asif they had been consumable goodswhich I have consumed (althoughit would be fairer to say that theyhad consumed themselves!) . Thatdone, I should have the right todestroy this useless property.

But let us split the differenceand say that the masks will de-

FINANCESpreciate at the rate of 10 per cent,per annum. Then the charge tome should be about twopence-half-penny per annum.. Assuming thatthis sum goes on the rates, theBorough Treasurer should save itup (with everybody else's 2id.) in agas-mask depreciation fund, becauseit represents a pre-payment for amaintenance-service not yet ren-dered. .

But there still remains thequestion why I should pay anythingat all. It sounds mean to cavilabout twopence half-penny; butthis small claim must be consideredas a matter of principle. Whyshould the Municipality (or theGovernment behind it) make myhouse a repository for its propertyfree 'of charge? It is' hot as if Ihad asked for the gas-masks. Asfor my neighbours who did ask, eventhey were scared into doing sounder pretences which have sinceproved to be false-namely that "thehombers will arrive to-morrow." So .we ratepayers have a counter-claimfor rent; and on a modest computa-tion the amount should cancel outthe twopence half-penny. Our claimis strengthened by the fact that weare held responsible for their safety,which 'means that we ought to

.insure them against fire, burglaryand other risks.

I may be regarded as a pettyfidget, but how am I to know thatif I consent to have the Govern-ment's masks dumped on :.me to-day

I shall not have anti-aircraft shellsdumped on me to-morrow? It's along leap of fancy, I know; but theprinciple is reflected in it. Where,indeed, is the' dividing-line to bedrawn between a dwelling houseand a warehouse?

In conclusion, let me mentionthat I am aware of the largerquestions opened up by my presentarguments. Space does not allowme to deal with them except tosuggest that the final answer to allsuch questions resides in the factthat banks create credit.

ARTHUR BRENTON.

Buying a .CarP

ERNESTSUTTON

Can supply you with new orused cars for cash or' credit.

AUSTINSINGER

MORRISFIAT

FORDOPEL

The finest and la~e.t stock ofimmaculate used Rover can.

Call or Phone MAYFAIR 4748

We do- a large used car businessand often have real bargains at verylow prices. Everyone knows thelucky motorist who "picked it up"for £20.It was pre»bably at Ernest Sutton's'

ERNEST S.UTrON LTD.%4, BRUTON PLACE. W.l.

THE SOCIAL CREDITER

~l~/;,Page 5

SPACE RESERVEDBY:

THEADVISORY

UNITED RATEPAYERS'ASSOCIATION

SECRETARY:JOHN MITCHELL.

THE INDIVIDUAL· AND· THE NATIONAnyone who has had even a

limited experience of trying to or-ganise a popular campaign of com-mercial or industrial work requiringnurribers of men capable and willingto. accept. responsibili ty and exerciseinitiative, knows that the morale ofthe general masses in the countryhas been brought to a dangerouslylow ebb.

In the conditions prevailing inthe world to-day-nations organisedand heavily armed for war, led bybellicose dictators obsessed with adesire to maintain and extend theirpower, driven forward by inexorablecircumstances which are the inevit-able consequence of the mechanismbv which they rule-if a nation is tosurvive either the threat of theholocaust of war or the holocaustitself, it is of first importance tohave the utmost regard for its re-sources in relation to the cir-cum-stances of war. Regret andreluctance that this should benecessary there may be, butREALISM is the only practicalpolicy.

But those who read this articleare like the writer, not forgetful ofthe INDIVIDUAL. A nation is acollection of individuals; thestrength of a nation is the strengthof the individuals who compose anation. And the - strength of anindividual is the· measure FIRSTLY:of his morale and character, andessential, but secondary, the incre-ment he gains in. association, fromhis institutions.

Stated bluntly, if a nation is to

survive under present conditionsSTRENGTH must be the immediateobjective of the individuals whocompose the nation.

There is no question that this isan objective to which the people ofthis country are agreed; and thereason is that on it depends theirsafety and their freedom.

The expansion of the physicalrequirements of this country ineffective preparation for war ne-cessitates not only an enormousincrease in the expenditure of humanand mechanical energy, but also theexpansion of financial credit to en-able this to take place.

It is a certainty that those whomonopolise the creation and issue offinancial credit will exert all thepower which they possess to influ-ence government measures in thename of "exigency" to penalise theindividual quite unnecessarily as theterms upon which they will co-operate. The result of these'+exigency" measures (e.g., billeting)will be demoralisation and theirpurpose the rivetting of a completetyranny on the people by finance.

Such penalty measures, how-ever, can only call forth tremendousresentment at the point at whichtheir application is attempted; andthe conditions thus generated willform the dynamic basis for populardemands having three factors-negative in their resistance to theencroachment on individual rights;positive in a demand for a construct-ive alternative, and an overall fun-damental and imperative need, not

merely to create conditions in whichpublic morale can be preserved, butin which it can be regenerated andstrengthened.

There is the urgent necessityfor all those who would enjoy free-dom in security to assess the needand real meaning of the rearm amentof morale, or as it is being called"moral rearmament."

There is also the need to takestock of the situations where duringthe next few months the populationof this country will be more andmore concerned and involved invarious popular demands, each ob-jectively confined to a narrow point,but each pressing against the com-mon wall of Finance, and each con-

. cerned with the security the rightsand the morale of the individual inhis relation to the security of thenation.

As a preliminary, two thingsshould be noted; Firstly, that theREAL enemy is common to all;that the battle which is beingfought is between the population ofGreat Britain and Finance, and notbetween a single small movementand Finance-the people are de-manding, not a movement, hence thedesirability to co-operate with otherorganisations, ..if they 'will assist inany way. Secondly that organisa-tion will need to become more de-centralised than it is at the moment,hence the need that local organisersshould equip and prepare themselvesto accept greater responsibility anduse more initiative.

LOCAL CAMPAIGN NEWS

-J. M.

"We held our second meeting onThursday last October' 20th. Mr.Pasco Langmaid of Cardiff gave theaddress.

"The hall was practically .fulland Mr. Langmaid's speech met withthe 'entire approval of the audience.Two resolutions were put to themeeting and carried with greatapplause and without a single dis-setient." .

(Weekly Report from Newport).

Indicative of the public reactionto the FACTS about debt so widelydesseminated by Lower Rates Ass-ociations is the experience reportedby one of the Salvo speakers afteraddressing only three of the eightpublic meetings to be addressed byhim. No less than - five bankmanagers and seven chartered -accountants expressed the view"that fees for work done is' ob-viously just sound-=and cannot dobanking interests the least harm."

itA meeting under the auspicesof the Southampton Resist RateRise Association was held in theBrotherhood Hall, Bitterne Park,last evening, when the speaker wasthe President (Dr. E. H. Stan-comb). .

"Mr. L A. Apsey (CampaignManager) presided, and said 30,000signatures had been collected insupport of the Association's de-mands, and further signatures werecoming in, at the rate of 3.000 aweek." "The Southern Echo."

97

~;f~,\g~\

Page 6 THE So.CIAL ·CREDITER

The BilletingThe "Daily Telegraph and Morn-

ing Post" reports that, " The Gov-ernment has accepted the principlesof the recommendations of theCommittee on Civil Evacuation inthe event of war."

The report, according to the"Daily Telegraph and Morning Post"says "In the areas used for the re-ception of refugees, they should behoused in private dwellings, undera scheme of billeting, for whichcompulsory powers would have tobe taken, though voluntary arrange-ments should be relied upon asmuch as possible, especially in thecase of school children."

"With regard to billeting inprivate houses it had been assumedthat five persons might be accorn-

Abominationmodated in every four rooms. Inthe South of England this would bethe equivalent of doubling thepresent population."

We have heard of one case inthe recent crisis of a parson and hiswife living in a large vicarage, un-able to afford a servant, who weretold that they would HAVE to takein twelve children and look afterthem.

We have also remembered see-ing in every small country town somany banks that the thought keptrecurring that many of them mustbe .redundant : and this moves us tosuggest to our readers that theymight write to their local papersasking why these buildings shouldnot be used to house refugees.

Labour Party Takes NoteUnder the title "Electors-Do

You Know?" in an election circular,Councillor Tom Hackett, J.P.,Labour and Co-operative Candidatein Birmingham, asks "That yourrates, gas and electricity prices andtram and bus fares are higher thanthey should be because of themillions of pounds paid by theCorporation annually to money-lenders as "interest on loans?"

Weare told that the LabourParty at Transport House are re-ceiving many enquiries in regard toU.R.A.A., from different parts ofthe country. A telephone call onbehalf of the Secretary of the LocalGovernment Section of the Partywas received by D.RA.A., on Oct.28th, asking for particulars.

Attack or Suppress?In a leader in the "South Wales

Argus" on October Zl st, LordHoward de Walden, Chairman ofthe National Union of Ratepayers'Associations, is quoted as saying:"We certainly get nothing for the40 million pounds a year which goesto pay the interest on the debt oflocal authorities." . The newspapertook him to task.

On the other hand, the "Nation-al" Press,in reporting Lord Howardde Walden's speech, completelysuppressed this statement.

Four Thousand,Five Hundred

LOWER RATES Pamphletshave been sold 'by U.R.A.A., inunder six weeks.

A NEW and up-to-dateedition has now been broughtout; and no one who reads itc-an fail to be moved by theimpressive array ..'Of facts,marshalled in lucid argument.

A special Window Bill fordisplay on shop frontages isavailable FREE in limitedquantities, reading - "RATESDOWN BY 50% - EXPLAN-ATORY PAMPHLET INSIDE-Price 3d." Try this on yourlocal shopkeeper,. or put ad-vertisement in your localpaper.

A .Discount of 50% is avail-able to Quota Associations onquantities of 100 and over or33-!-% on quantities of 50 andover. Price 3d.

U.R.A.A., Sentinel House,. Southampton Row, LOndon, w.e.l

'Phone. Chancery 7248.

SALVO MEETINGThe Earl of Tankerville at

Chelmsford.A meeting organised by the

Chelmsford and District LowerRates and Assessments Association,was addressed by Lord Tankervilleon Thursday, October 27th, in theCorn Exchange, Chelmsford.

The Mayor of Chelmsford wasin the chair, and spoke in agreementwith the action taken, saying that ifratepayers in a number of townsget behind their councillors with aunited demand as they are doing inChelmsford their councillors wit}have the power to act and will dealwith the loan charge question so asto bring about lower rates andassessments without reduction insocial services.

Six hundred ratepayers filledthe hall and gave Lord Tankervillean enthusiastic reception.

Detailed reports have. not yetcome to hand in regard to otherSalvo meetings, but we hear thatCol. Creagh Scott has had somefine meetings in the North East ofEngland.

t WHO OWNS THE DEBT?

The holders of the local Gov-ernment Debt have been divulgedby at least three Local Authorities,and in each case it was found thatless than ten per. cent was held byprivate individuals : the remainderbeing held either by the PublicWorks Loans Board (a Departmentof the Treasury) or financial insti-tutions such as Friendly Societies,Banks or Insurance Companies.

Counsel's opinion taken in onecase revealed that there is no legalruling to prevent a Local Authoritydivulging to ratepayers the namesof their Local Government "credit-ers" ; and it is a fact that a ratepayercan have an auditor inspect all theaccounts of his Local Authority andthat authority has no ground torefuse permission.

We therefore urge all LowerRates Associations to take immedi-ate steps to secure this informationin regard to their Local GovernmentDebt and before making. the factsknown to the public let US knowthe result.

THE SOCI~L CREDI'fER". ~f'<f1

'Page 7

Jtt..--.•.-..~ .......~~ .......................~ .........................~ ...... ~ ....... ..,_,. ........... ~ ............................ ~~..._.."

I The Study 0/ Social Credit Il.~ ..._-._.__.- _..-.-.-------------------------...

(Pointers from the Authorised Course)The claim has been made for

our study that it is a scientific studyand that it is exact. If, it is ad-mitted that one cannot measureimmeasurable quantities or qualities,this claim .must appear absurd un-less it can be shown that it is notnecessary to try to do the impossiblein ,order to deal precisely withmatters affecting the power of in-dividuals in association to producethlt results they intend to produce.

An enormous development andexpansion in the use of statisticsin recent years. is associated withthe public presentation of data of apolitico-economical kind, and it is tohe noticed that the method largelyfollowed in this alleged scientificsearch for means of public better-ment is of a kind which departs inessential particulars from themethods which led to the develop-ment of more materially productivestudies such as chemistry and elect-ricity. Neither of these greathodies of knowledge began with amere counting of, as it were,chemical or electrical "heads."

Taking not quite, perhaps, itsfirst beginnings, each of thesestudies was initiated by an enumer-ation of the NECESSARY entities(entia) which forced themselvesupon the recognition of investiga-tors. It was very strictly heldhefore the minds of these men thatit was something akin to sin toadmit any such entity to recognitionexcept under pressure of necessity.The clearly formulated injunc-tion to the contrary in thefourteenth century is one of the

greatest cultural inheritances fromearlier times. ENTIA NON SDNTMDL TIPLICANDA PRAETERNECESSIT ATEM (things are notto be multiplied beyond what isnecessary). The author was anEnglishman, William of Occam.

In strict accordance with thisprofoundly important principle, re-stated inaccurately and ineffectivelyby Newton to the grave embarrass-ment of scientists ever since, thebehaviour of matter chemically andelectrically forced investigators totake cognisance not of named feat-ures but of a few unnamed terms,the elements of association to whicheach characteristic increment wasconstantly traced. So every scienceelaborates a necessary nomenclaturepeculiar to itself. .

The names are arbitrary, likethe names givert to the chemicalelements, carbon, hydrogen, oxygen,and so on, atoms, molecules, volts,ohms, electrons. When necessityoperates no longer 'in the minds ofinvestigators such entities are dis-carded, and knowledge is advanced,being always the greater, the fewerits parts.

So each science finds its own. peculiar necessary qotions-bases

for its own standards of measure-ment. Once established there isprecision; before there is none.Before this process is fairly ad-vanced all fields of experiencepresent the same appearance oflawlessness. There is no reasonwhy for every possible field ofexperience there should not in turn

. be discovered relevant standards;

Lambeth Walk at Basle?It is probable that the Bishop

and the Dean of Chichester are notof our way of thinking. But theyare to be congratulated on theiraction (independent of each other)in having their names expungedfrom "Lest We Forget-1914-1918/'a paraphrase of the Van ZeelandReport issued as a message to thechurches by the present titular head

of the Anglican community.Manifestoes issued by the

authorities of the various churchesto-day can, for the most part, beaccounted for only by two hypo-treses. Either their authors arementally deficient well below thecertifiable average, or they arejumping throug'h the financiers'hoop. In either case, there is noconnection with real Christianity,however remote. -'- M. H:

what is fairly surely indicated isthat they will not be the cast-offclothing of some already developedscience.

It is Douglas's great contribu-tion to Life and Science that he hasdiscovered the NECESSARYnotions pertaining to the wealth ofindividuals in Society (all forms ofwealth) and has elaborated appro- ,priate instruments for dealing withthem.

Copyright.

CENTRAL HALLWestminster, S.W.1.

LastingPeace

BY

SocialCredit

CHAIRMAN:Mr. HARRY BEST

SPEAKERS:Capt. C. H. G. ROSS

Mr. P. J. HANDAND O':rHERS.

Saturday, Nov. 12that 8 p.m.

ADMISSION FREEA few Reserved Seats at

2/6 and 1/-.Organised by the LondonSocial Credit Club, 353,Grand Buildings, TrafalgarSquare W.C.2.

, .,i1-"~Page 8

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THE SOCIAL CREDITER

A critical phase, perhaps the standards. And if told that allcritical phase, of the struggle be- these forms of matter possess masstween the Money Monopoly ann the upon which alone the force ofpeople is developing. .gravity will act, he says you are

A very short time will decide talking. about things unknown towhether we are to master the t~e plain man and should be moremighty economic mechanism we s~mp~e. Yet the essential associa-have created or whether it is to bon IS merely enough mass. Onlymaster us. A very short time will enough mass will do the trick.decide whether the small impetus Forms obscure the necessarywhich has been prepared, and is associations which must be estab-being prepared from a body of men lished in all mechanisms.whe: .kn?w what to do and how to And so in our rather hastilydo It will prove ENOUGH or not prepared essays in Social Dynamics,enough. with mechanisms improvised at the

Some of the most characteristic 59th minute of the 11th hour, theideas with which Douglas has made forms inevitably obscure theus familiar. (his ideas) are related necessary associations which mustto this common little word. They he established if we (and they) areare profoundly important ideas. to prove enough.

Place a brass weight upon the These are not 'simple' matters,unsupported pan of a balance- however commonplace may be thenothing may happen: no movement illustrations, which the Director ofwill occur until eno1A:gh brass- Political Strategy may provide in 'strictly, enough mass-Is added ex- practice. They are matters of theactly to equal the brass in the greatest difficulty: to see throughopposite pan. Then both move, the brass and the carrots to theinstantly. . pressure and to understand "that

Familiar as the illustration is, nothing can possibly be expectedalmost every agency capable of in- to hal)pen ,:ntil it is en?ugh: thatfluencing men's' minds is to-day then It Will happen (1£ at all)exerted in one way or another for instantl-).the purpose of disguising the issues Some of our friends are stillat stake. They are not large busy over the shininess of brassissues (it seems): merely the and the sweetness of carrots. Ithomely working of a homely pair of cannot be prevented. Perhapsscales. . Yet profoundly signific~nt they may be they who shake theproperties of mechamsm are 10- last milligram' of mass in the formvolved. of "mental" perspiration into the

The inattentive and undisciplin- .scale: the milligram that makesed mind, anxious to see moYement,. ENOUGH! Let us hope so. Butcries· out "brass"-"more brass!". nerhaps they may, in their confus-There is no need for the weights to ion, shake it into the bankers'be of brass: carrots would do. "Oh, pan, where, too, it will be enough-hut there is no similarity at all enough to defeat us. Horridbetween brass and carrots," says thought!someone who still thinks of golden

THE SOCIAL CREDITERThe Social Credit Secretariat is a non-party, non-classorganisation and it is neither connected with nor does itsupport any particular political party, Social Credit or

otherwise,SUBSCRIPTION RATES:

Home and abroad, post free: One year 15s.; Six months 7s. 6d.;Three months 35. 9d.

Vol. 1. No. 8. Saturday, November 5th, 1938.

MECHANISM

Sir John AndersonEach of the candidates in the

Scottish Universities By-Election inFebruary of this year was asked tosign the following undertaking:-

1.... . of..... herebyundertake if elected to actpromptly in accordance withthe clearly expressed wishesof a majority of my constit-uents as manifested to mefrom time to time. .

Two of the four candidatessigned the form, one of them addingan immaterial clause.

Sir John Anderson replied toan elector's request as follows:-

In reply to your letter ofthe 5th inst., I regret I canonly say that I am not pre-pared to give the assurancefor which you ask.

Apart from the fact that Iknow of no machinery bywhich the wishes of a major-ity of the constituents couldbe ascertained - except bytheir votes a t a generalelection-I consider that aParliamentary representativeis entitled to exercise hisown judgment subject to theright of the constituency torefuse his re-election if theydisapprove his conduct.

"The News Chronicle" statesthat Sir John Anderson is "some-thing more than a <lad of pairts'which it is the privilege of Scotlandto produce. He is a 'lad of manypairts' ... During his five years'governorship [of BengalJ he earnedthe invidious title, 'the most shot-atman in the world' by escaping thebullets of assassins on three occas-ions ... Last December, Sir Johnreturned to Britain. Within threemonths of his return he had-'

(1)

(2)

(3)

Been appointed to thePrivy Council.

. Joined the board at Vick-ers, Limited.Been elected NationalGovernment M.P., for theScottish Universities.Joined the board of theMidland Bank."

(4)

The newspaper goes on to saythat in May, Sir John. Andersonwas appointed a director of Imper-ial Chemicals, and that he refusedthe· chairmanship. of Imperial Air-ways;TUDOR JONES.

THE SOCIAL CREDITER'~/..,., f

Page 9

, ECONOMICS, QR POLITICAL ECONOMY?(By MAJOR C. H. DOUGLAS)

An Address to the Marshall Society of Cambridge(Concluded)

The first part of Major Douglas's·address appeared in ''The SocialCrediter" for October 22nd.

The professional economistsseem to have concentrated theirenergies over the past 20' years orso largely on an enquiry as to whatgoes on in the world of economics,rather than why it goes on, and towhat it tends. There can be nodiscussion as to the desirability ofmaking sure of your facts, but I ammore than doubtful as to whethereconomists, on the whole, do makesure of their facts, or really knowa fact when they see it. It is be-ginning to be generally recognisedthat mere money estimates ofeconomic activities are almostvalueless. I am inclined to thinkthat it is not so generally recog-nised that you cannot place anyrational interpretation on figuresobtained by such methods as thecensus of production, or other sim-ilar returns, until you have inform-ation as to the destination of theproduction, the policy which wasthe cause of the production, and theprobable short and long-range effectof this policy. For instance, HerrHitler has been informing Germanpeople for some years past thatthey could not have both guns andbutter. It is' open to anyone toquestion whether Germany hasbeen producing wealth in producingguns, or liabilities, looked at fromthe point of view of the individual.

There is one measure which isfundamental to any appreciation ofthe economic facts, and that is the,measure of the potential rate of >

production and perhaps even moreimportantly, the change of rate, orwhat we engineers would call theacceleration of the rate of produc-tion. Now, I do not think thatmere statistics of the actual changeof rate are of very much valuebecause the actual change of rate isdependent on numbers of purelyartificial restrictions, such as lack ofpurchasing power, etc. But the

potential rate of production is almostentirely dependent on the availableamount of energy, and I do notexclude from this statement theconsideration of the supply of whatare called "raw materials." "Econ-omic production" is a misnomer-there is no such thing. There isthe change of form by which wemake a simple thing into some-thing more complex, and this is al-ways accompanied by the dissipa-tion of energy. Using this con-ception, we can say that there isabout 4 horse-power available foreveryone of the population of thiscountry and a horse-power iscommonly considered to representthe work of ten men, and' thisenergy is available for 24 hours aday instead of 8 hours, so that eachof us has 120 slaves available. Thepotential rate of production isprobably, therefore, over 100 timeswhat it was, let us say, 150 yearsago. In other words, a reasonablestandard of living ought to beavai1able for all of us, with a verytrifling amount of work., Now why do we find that

,economic insecurity is greater thanit ever was? For" myself, I haveno hesitation whatever in givingyou a short answer: it is the in-sistence upon a policy of universalemployment, a policy which ispursued in flat opposition to thefundamental necessities which arerevealed by the general economicposition. Whereas the underlyingnecessities of economic productionrequire, in fact, less and less at-jention by fewer and fewer of thepopulation, we are insisting onmore and more attention by moreand more of the population. Weare not doing it to ensure a goodlife, we are doing it because wepretend that our system of forcedwork is a "moral" system. Thatis a primary conception of Whigpolitics.

Those of you who live in theNorth must be familiar with a largenumber of farms, many of them

becoming derelict; which bear thenames of Manor Houses, InCheshire, for instance, nearly everyfarm of any size is called something-or-other 'Hall'. A couple ofhundred years ago these represent-ed the homes of independent,leisured families. Admittedly,there was a small (surprisinglysmall) portion of the populationliving in poverty. I doubt verymuch if the percentage was any-thing like one-tenth of the popula-tion. The rest of the populationwas comfortable, independent andconfident. With immeasurablygreater potentialities to-day forleisure, comfort and security, wehave a larger percentage of indig-ence and a rapid proletarianising ofan increasing portion of the popu-lation. That is not economics-itis "work" exalted to the main ob-ject of political economy. From itflow not merely the consequencesupon which I have just. touched, butbecause of. the theories of the bal-ance of trade, the necessity forinternational trade, and so forth, allof them emanating from Orientalidealogies, it is the primary causeof war.

While aft intellectual apprecia-tion of it is obviously thefirst step to anything practical inregard to this situation, it would bea profund mistake to assume thatthat is sufficient. It is my opinionthat the problem which requiresurgent attention beyond all othersat the present time is the relation-ship of the individual to his instit-utions. At this time none of uscan be unfamiliar with the fantasticlengths to which the exaltation ofinstitutions proceeds. An instit-ution, whether it be a nation orsome constituent part of it, is, atbottom, nothing but an associationof individuals for their own good,and when it ceases to be such it is.a danger and not a benefit. Theclaim which is made that institutionsare all-important and individualshave no importarice is just exactly

/D I

..----------------.---.---.- ...---------.-~-----

t c::.' ,,,1fPage 10 THE SOCIAL CRED1TER

that claim which was challenged1900 years ago and which must, asa matter of practical politics, beagain challenged if civilisation is tosurvive. Institutions have theiruses and, in fact, civilisation isprobably impossible without them.They are good servants, but badmasters, and they have one verydangerous feature-s-a tendency toself-perpetuation. That is onereason why experts are such danger-ous people. The average expertbecomes so fascinated with the in-stitution which gives rein to hisexpertness, that it becomes an endin itself, rather than a means.

Cambridge has a great respon-sibility in this matter. It is theWhig university, and the policy of

this country for the last 200 yearshas been a Whig policy and is aWhig policy to-day. The firstmodern Dictator in Europe was theWhig idol, Cromwell. MerrieEngland ended with his rise.

I offer no opinion as to whetherhistory, when it comes to be writ-ten, and if it is written truthfully,will regard the past 200 years asbeing an inevitable phase throughwhich we were bound to pass, butI am quite confident that whatevervirtues that period may have had,it has none now-that the hysteric-al cry for yet more work, yet moreemployment, sacrifices, higher taxesand all other corollaries' of thispolicy, together with the bureau-cracy and encroachment on ele-

meritary rights and liberties whichis its accompaniment, should notonly be firmly resisted, but reversed.As the rising generation of thiscountry and members of an institu-tion for which, in itself, we all ofus have so great an affection, andwhose glamour returns to me afreshas I visit it at your kind invitation,I should like to place the wholesituation before you for considera-tion, with the earnest request thatyou free yourselves, as far as pos-sible, from the idea that the objectof the world and of life is the stillfurther exaltation of the economicsystem, and the destruction of in-dividual independence. If that ideais persisted in for the next fiveyears, the future is indeed dark.

(Copyright : all rigbts reserved.)

. I

Alberta Credit HousesTo supplement the account

given last week of the AlbertaGovernment Credit Houses openedat five centres in the Province, weprint on this and succeeding pagesthe' relative documents which wehave received. A form,post-card size,omitted is a record card bearingthe address of the Provincial Treas-urv Branch, number of account,number of contract, name of cust-omer, date and signature, and thewords:-

"In consideration of the Pro-vince of Alberta Treasury Branchopening an account in its books forthe undersigned, it is agreed thatthe Treasury Branch may debit the

said account with its usual chargespertaining to this operation of anaccount and that the undersignedwill pay to this Treasury Branch allamounts debited to the said accountin accordance with the foregoing."

It is being made clear that thisprogramme is not Social Credit, butmerely a mechanism, limited byOttawa interference, for the latercontrol of credit when that is feas-ible. The Treasury Branches arenot doing Banking Business, asthey are not creating money orgranting loans.

The relevant forms of contractare published in extenso oi'l. pages12-15.

. THE EASIER, THE HARDER!Patriotic Italians are proudly

pointing to the difference betweenthe new style of colonisation andthe 17th Century style with itsuntold hardships.

Eighteen hundred familiescomprising 20,000 settlers are beingtransported from Genoa to Libya.A R.U.P., telegram says they willfind their houses fully furnished andeven the fires laid, Each householdis stocked with: 1 cwt. flour, 2 cwts.str.aw, 5. cwts. wood, 22lbs. potatoes.22 lbs. of macaroni, 11 Ibs. rice, tentins of tomatoes, a quart of vinegar,two lamps, five boxes of matches.and five tins of milk.

And the easier things get,' theharder!

No •....••._.•..•.....•..._. __

o Date ,.., 19 .

Previous Balance - - $ - - -- ...•....

·•••··· ·· ·Form No. T. B. 80.

PROVINCE OF ALBERTANo _ _..... TREASURY BRANCH

NON·NEGOTIABLE TRANSFER VOUCHER·: Issuer's Account No _ _ _..... Place _ _ , Alta.:.. Branch at _ _ _.._..__..__._..... Date _: 19_ _ .·· Transfer to the account of _ _ _ _ _ _ _ _ _ _.__ _ _ _ .._

.._ _ _ _ _ _ dollars $ _~ _ .on the books of the Provincial Treasury Department, and eh

: Alberta-made goods - - - • - $ _ .

,,0Alberta-made: goods $ _ _.._ _.__•Other goods - • - - .._ _ .

••••••••••• <0 ••••••••••••••••••••• _ ••••••••••••••••••••••••• _......................... Other goods • - .. .. .. .. - .. - _ .

Services, etc. • - - - ....._...._._.•..........•.....

Total - - $,•••._......_ .•._.•...•

··· ·••:•••·

Services, etc. • - • • - • - -

Total - - $ .Certified correct by

(Mercha"t)

THE SOCIAL CREDITER';'.11 /a:3Page 11

TO ALI. OVERSEAS READERS

Proposals for Affiliation to the SecretariatBy MILES HYATT

From time to time in thesenotes. a change in emphasis of thebasis of affiliation with the Secre-tariat, as far as Overseas Groupsare concerned, has been foreshad-owed, and various letters have beenreaching me on this subject. Afterreading these letters and making alldue allowances for individual differ-ences of outlook, I am more thaninterested to find that the writers'have, for the most part, hit upon theemphasis that I, too, have in mind-ACTION. "The real leaders,"writes one old stalwart from"somewhere overseas," "only wanta chance to get busy; but they don'talways know how to set about it.This is where the Secretariat oughtto be able to help."

I agree. And to some extentit is helping, with suggestions andcriticism, but this method is not al-ways effective, and does not seemquite enough.

We are all agreed, I think, thatthe situation to-day calls for some-thing more than a verbal adherenceto general principles. If we stopat this point, we are all of us duefor conscription 'or the concentra-tion camp within a very short time.What is required, besides the accept-ance of the objective implied in ourpolicy, is the acceptance also of theaction which is equally implied.Douglas has defined the word policyas "action taken towards a recog-nised and given objective," and ifyou allow this definition, there canhe no such thing as "accepting apolicy" as if it were a calendar tohang up on the wall.

ACTION, then, needs emphasis.But it should be ACTION ON COR-RECT LINES, for nothing is moreharmful, not to say useless andwasteful, than "beating the air" onthe part of persons who have recog-nised the correct objective.

With action must go also thedissemination of knowledge; andhere,' too, the same sort

. of thing is true concerningpropaganda as with action. Propa-ganda "in the air" gives no fairreturn for the energy and expense

which is put into it. We allremember how excited (and sur-prised) we used to be if, aftermonths of showering leaflets andholding public meetings, we hadgained for the group one or tworeally interested newcomers. Verydifferent from these "brownittg"methods is the publicising ofKNOWLEDGE CONCERNTNGFACTS which has arisen out ofaction being taken.

Here I feel bound to cite thebest example I know of this techni-que-the procedure of lower ratesdemand associations in makingknown the FACTS concerning thecostless creation of credit, the re-lationship of citizens to theircouncillors, etc., in response to theurgent (though unconscious) de-mand by the general public for thisvery knowledge. Note that noquestion of theory of any kind isallowed to intrude here. Indeed,it puts the onus of explaining awayfacts by evolving theories on theenemy, and this is a position whichhe S0011 finds untenable.

The other kind of knowledge-dissemination-lectures and studies-must, of course, be proceededwith, as these are our only and vitalmeans of training the "key" peoplewho will be wanted to recogniseand direct into successful channelsthe public's demands.

You and the SecretariatFor the purpose of tabulation,

"you" may be an individual, a localgroup or a national association.

(1) Demand should, of course,be based on the spontaneous andreasonable desires of a sufficientnumber of people in any givenlocality.

(2) I t is your job to recognise,assess and, if suitable, guide thesedesires into the correct demand-channel. (Here, in. passing, itseems necessary to say that a groupwhich sits down to draw up a de-mand for what it thinks the generalpublic ought to want is simply beat-ing the air).

(3) Some third body should bein a position to provide you with thebest available advice on matters offact, information, tactics andstrategy. The natural body forthis is the Secretariat, for tworeasons: (a) its directors are, at alltimes, privileged to obtain the ad-vice of Major C. H. Douglas; (b)they have access to the accurateknowledge gained from experiment-al action all over the world.

Right use will be made of theSecretariat only when you are ex-ploi ting its resources to the full.The Secretariat is not organised asa club or the headquarters of anumber of branches. It is, properlyspeaking, a. SERVTCE, at your dis-posal when you require adviceregarding action for our commonobjective.

Conditions of AffiliationSo I have drawn up the follow-

ing conditions of affiliation, subjectto modification in the light of ex-perience and suggestions from you.

"I/We of. request affiliation

.with the Secretariat on the under-. standing that we accept the policy

advised by Major C. H. Douglas,and that therefore, we undertake toseek a source of power with the aimof its implementation in effectiveaction. In this we wish to utilizethe advisory service provided hy theSecretariat."

It should be noted that thisundertaking is not a promise to takeaction. Iri a great number of cases,for instance where individuals whowish to affiliate, are alone in UN-promising districts; action at presentseems impracticable. But we hearalso of groups which neglect ex-cellent chances of action because ofundesirable features in their ownorganisation, or futile concentrationon objectives which are not at themoment practical politics among,the majority of the general public.

This form of affiliation is in-tended to d~ no more and no lessthan direct the eyes of SocialCrediters overseas to looking in theright direction for sources of action,and to ensure that, when action isdetermined on, it shall not fail forlack of such technical assistance aswe can supply.

/D6

111,"<THE. SOCIAL CREDITER Page 12 Alberta Credit Houses, copies of,· documents:Form C 1 CONTRACT I

GOVERNMENT OF THE PROVINCE OF ALBERTATREASURY DEPARTM~N~'

DEPOSITOR'S CURRENT ACCOUNT AGREEMENTMEMORANDUM OF AGREEMENT made this

Betweenof

day of ,A.D. 19

aMHis Majesty the King in the right of the Province of Alberta, as represented by the Provincial Treasurerfor the time being of the said Province, by the hand of his duly authorized representative _.

. (hereinafter called the "PROVINCIAL TREASURER")WHEREAS by order of the Lieutenant Governor imJ Council (Order in Council 1069/38) the Provincial Treasurer is author-

ized and empowered to receive from the public, deposits, and to enter into contracts with the depositors as outlined in the saidOrder illl'Council.

NOW, THEREFORE, THIS AGREEMENT WITNESSETH:1. The Provincial Treasurer may accept from the depositor deposits of money; bank cheques, legal tender, currency, coinage,

Or transfer vouchers drawn by other depositors upon their accounts. .2. All deposits of money, bank cheques, legal tender, currency, or coinage may 'be drawn upon by the depositor at any time by

mmru~;. . ..(a) Orders in the form or forms prescribed by the Provincial Treasurer payable in currency;(b) Transfer vouchers imJ the form or forms prescribed by the Provincial Treasurer;to the full extent of the amount remaining on deposit from time to time. .

3. All deposits of transfer vouchers may be drawn upon by the depositor, at any time, by means of:(a) Orders in the form 'or forms prescribed by the Provincial Treasurer payable in currency, to the extent of the amounts

remaining on deposit from time to time; from the amount of each such order a charge of two per centum (2%) shallbe deducted, provided, however, that the minimum charge for. each withdrawal shall be five cents (Sc).

(b) Transfer vouchers m the form or forms prescribed by the Provincial Treasurer, to the extent of the full amountremaining on deposit from time to time.

4. A depositor may issue transfer vouchers up' to the amount standing at the credit of his account in favour of a merchant ormerchants who have entered into contracts with the Provincial Treasurer for the purchase price of goods and upon eachpurchase shall receive a credit in his account the said credit to be in an _!lmount not exceeding three per centum (3%) ofsuch portion of the deposit .used in the purchase of goods as aforesaid, the amount of the said credit to be based upon thepercentage of Alberta-made goods purchased during each month in which the said deposit is maintained, that is to say; ifnot less thann thirty-three and one-third per centum' (331%) of all purchases of the said goods are Alberta-made, credit shallbe given, not exceeding three .per centum (3%) of the sum total of the goods purchased, if less than thirty-three and one-third per centum (3*%), the credit to be given' shall be correspondingly decreased subject to the following conditions:(a) The said credit shall be given to the depositor upon delivery to the Provincial Treasurer of receipted invoices or sales

slips in forms satisfactory to the Provincial Treasurer and upon entry of the Transfer voucher in favour of the merchant. from whom goods are purchased in his account. .

(b) Such credits may be entered in the account of the depositor once a .month or at other intervals as may be agreed uponbetween the depositor and the Provincial Treasurer; provided, however, that invoices or sales slips presented later thansix months from date of issue shall not be accepted. "

(c) Such amounts credited as aforesaid may be drawn uporu by the depositor subject to a charge as provided in paragraph3 (a) hereof if and when withdrawn in currency.

5. The Provincial Treasurer may use any and all deposits of money, bank cheques, legal tender, currency or coinage madeunder this contract together with similar deposits made by other depositors for the purpose of making payment of anyliability incurred under this contract, or under contracts made with other depositors or under contracts made between theProvincial Treasurer and certainr merchants known and described as the "Merchant's Contract." It is further understoodand agreed that the Provincial Treasurer may use the said moneys deposited under this contract to make purchases eitherin his own name or through agents, of goods, wares, or merchandise for resale.

6. Notwithstanding any of the provisions of the preceding clauses of this agreement, the operation of the depositor's accountshall be subject to the following provision's:' '. . , - . .(a) No account shall be opened for a lesser amount than one dollar ($1.00) and no order or transfer vouchei: shall be issued

for a lesser amount than one dollar ($1.00) except for the purpose of closing MIl account.(b) A charge of fifty cents (SOc) shall be made for each order or transfer voucher presented for which there are insufficient

funds in the depositor's account at the time of presentation. .7. The depositor undertakes to co-operate with the Provincial Treasurer to promote the efficient operation of the terms of

this agrement in the best interests of the parties hereto.IN WITNESS WHEREOF the depositor has executed this agreement by signing the same, and the Provincial Treasurer

has executed the- same by his duly authorized agent signing the same, the day and year first above written.

(hereinafter called the "DEPOSITOR")

Wimess Depositor

Witness Provincial Treasurer(To be used in cases where the depositor is a corporation.)

IN WITNESS WHEREOF the depositor _has executed this agreement. by the signature of its proper officers in that behalfand the affixing of tile corporate seal, and the Provincial Treasurer has executed the same by his duly authorized agent signingthe 'same, the day and year first above written.

Depositor

................................, ···············'·······\vi~~~~···· ........................., "P~~ri~iai'T~~~~~~~""

-------------_._---->_ .._.------_._--------_._-----_.-----------_----------

Alberta: Credit Houses; copies of ·documents.'II,~

THE SOCIAL CREDITER Page 13 .CONTRACT II

, A.D. 19

Hisand

Majesty the King in the right of the Province of Alberta, as represented by theProvincial Treasurer for the time being of the said Province, by the hand of hisduly authorized representative

(hereinafter called the "DEPOSITOR")

(hereinafter called the "PROVINCIAL TREASURER")WHEREAS by order of the Lieutenant Governor in Council (O.c.. 1069/38) the Provincial Treasurer is

authorized and empowered to receive from the public deposits of money, bank cheques, legal tender, currencyor coinage or orders drawn by depositors upon their accounts and to enter into contracts with such depositorsgoverning the manner of repayment of the said deposits. and the interest to be' allowed thereon;

NOW THEREFORE THIS AGREEMENT WITNESSETH;1. The Provincial Treasurer may accept from the depositor deposits of money, bank cheques, legal tender

currency, or coinage (hereinafter referred to as "Currency").2. The deposits received by the Provincial Treasurer, pursuant to this agreement, shall be subject to

withdrawal only after a period of six (6) months or one (1) year from the date of the deposit respect-ively, the term of the deposit to be stated in writing by the depositor at the time of making suchdeposits.

3. The deposit may be withdrawn by the depositor at the expiration of the said stated period and nototherwise, by means of;(a) Orders in the form or forms prescribed by the Provincial Treasurer payable in currency to the. full extent of the amount due, or any part thereof.

(b) Transfer vouchers in the form or forms prescribed by the Provincial Treasurer to the full extentof the amount due, or any part thereof... .

4. The Provincial Treasurer will pay interest on the said deposit upon the following terms and conditions:(a) Upon deposits of currency, at the rate of two per centum (2%) per annum on deposits for a period

of six (6) months, and at the rate of two and one-half per centum (2t%) on deposits for a periodof one (1) year, payable at the expiration of the stated term.

(b) No' interest shall accrue after the expiration of the said stated period, unless the contract isthereupon renewed for a further period of six (6) months or one (1) year as the case may be.

(c) Interest shall be credited to the depositor's account on, or as of the date it is due.(d) All interest may be withdrawn by the depositor in the same manner as provided in clause (3)

hereof. . .5. All deposits and withdrawals shall be made by the depositor in person or by a person; duly authorized

by him. . .6. The Provincial Treasurer may use any and all deposits of currency made under this contract together

with similar deposits made by other depositors for the purpose of making payment of any liabilityincurred" under this contract or under contracts made with other depositors pursuant to the terms ofthe said Order in Council 1069/38, or under contracts made between the Provincial Treasurer andcertain merchants known and described as the "Merchant's Contract." It is further understood andagreed that the Provincial Treasurer may;(a) invest the said moneys in such trustee securities as he may deem safe and advantageous with

the, right to the Provincial Treasurer to vary such investments from time to time, or(b) use the said moneys to make purchases either in his own name or through agents, of goods,

wares or merchandise for resale.IN WITNESS WHEREOF the depositor has executed this agreement by signing the same, and the

Provincial Treasurer has executed the same by his duly authorized agent signing the same, the day and yearfirst above written.• • ~ ~ 10 : . . ' .

Witness Depositor.......................... , .

Witness Provincial Treasurer(For use in cases where the depositor is a corporation.)

IN YVITNESS WHEREOF th<: depositor has executed this agreemen~ b:y the signature of its. properofficers 111 that behalf and the affixing of the corporate seal, and the Provincial Treasurer .has executed thesame by his duly authorized agent signing the same, the day and year first above' written .

................................................... e .

Depositor................................................................... ' .

Witness Provincial Treasurer

IDS

------------_. ---_._------------------------

Alberta Credit Houses, copies of documents. ',Form C 3 GOVERNMENT OF THE PROVINCE OF ALBERTA

TRE:ASURY DEPARTMENTDEPOSITOR'S SAVINGS (TERM) ACCOUNT AGREEMENT

CONTRACT III

MEMORANDUM OF AGREEMENT made thisBETWEEN:

of

day of , A.D. 19

andHis Majesty the King in the right of the Province of Alberta, as represented by the

Provincial Treasurer for the time being of the said Province, by the hand of hisduly authorized representative

. '. (hereinafter called the "PROVINCIAL TREASURER")WHEREAS by order of the Lieutenant Governor in Council (O.c. 1069}38) the Provincial Treasurer is

authorized and empowered to receive from the public deposits of money, bank cheques, legal tender, currencyor coinage or orders drawn by depositors upon their accounts and to enter into contracts with such depositorsgoverning the manner of repayment of the said deposits and the interest to be allowed thereon:

. NOW THEREFORE THIS AGREEMENT WITNESSETH:1. The Provincial Treasurer may accept from the depositor deposits of orders drawn by the depositor

upon his account and transfer vouchers drawn by depositors upon their accounts.2. The deposits received by the Provincial Treasurer, pursuant to this agreement, shall be subject to

withdrawal only after a period of six (6) months or one (1) year from the date of the deposit respect-ively, the term of the deposit to be stated in writing by the depositor at the time of making suchdeposits.

3. The Provincial Treasurer will pay interest on the said deposit upon the following terms and conditions:(a) Upon deposits of orders drawn by the depositor or upon transfer vouchers, 'at the rate of two

and one-half per centum (2!%) per annum on deposits tor a period of six (6) months and atthe rate of three per centum (3%) per annum on deposits for a period of one (1) year, payable

. at the expiration of the stated term.(b) No interest shall accrue after the expiration of the said stated period, unless the contract is there-

upon renewed for a further period of six (6) months or one (1) year as the case may be.(c) Interest shall be credited to the depositor's account on, or as of the date it is due.(d) All interest may be.withdrawn by the depositor in the same manner as provided in clause (4) hereof.

4. The deposit may be withdrawn by the depositor at the expiration of the said stated period and nototherwise.. by means of:(a) Orders in the form or forms prescribed by the Provincial Treasurer payable in currency for the

amount due or any part thereof, less a charge of two per centum (2%) of the amount withdrawn.(b) Transfer vouchers in the form or forms prescribed by the Provincial Treasur-er in the name of

the depositor or his nominee to the full extent of the amount due, or any part thereof ..5. All deposits and withdrawals' shall be made by the depositor in person or by a person duly authorized by

hirrf.6. The Provincial Treasurer may use any and all deposits made under this contract together with similar

deposits made by other depositors for the purpose of making payment of any liability incurred underthis contract or under contracts made with other depositors pursuant to the terms of the said orderin Council 1069/38, or under contracts made between the Provincial Treasurer and certain merchantsknown and described as .the "Merchant's Contract." It is further understood and agreed that theProvincial Treasurer may:(a) invest the said deposits in such trustee securities as .he may deem safe and advantageous with

the fight to the Provincial Treasurer to vary such investments from time to time, or(b) use the said deposits to make purchases, either in his own name or through agents, of goods,wares or merchandise for resale.

IN WITNESS WHEREOF the depositor has executed this agreement by signing the same, and theProvincial Treasurer has executed the same by his duly authorized agent signing the same, the day and year.first above written .

(hereinafter called the "DEPOSITOR")

........................................................ ' ' .Witness Depositor

Witness Provincial Treasurer(For use in cases where the depositor is a corporation.)

IN WITNESS WHEREOF the depositor has executed this agreement by the signature of its proper·officers in that behalf and the affixing of the corporate seal, and the Provincial Treasurer has executed thesame by his duly authorized agent signing the same, the day and year first above written.

Depositor_ .

Witness Provincial Treasurer

"", p<I.

tt,)THE SOCIAL CREDITER Page 15Alberta :Credit ;Houses, .eopies of documents.

Made in triplicate thisBETWEEN:

His Majesty the King in the right of the Province of Alberta represented herein by theProvincial Treasurer

(MERCHANT'S CONTRACT)day of

Form C 4

, A.D. 1938

(hereinafter called "THE PROVINCIAL TREASURER")and' .

of

TrrE PARTIES HERETO AGREE AS FOLLOWS:1. The merchant will accept in payment for goods sold, transfer vouchers drawn by the purchaser upon the

account of the purchaser in a Branch of the Provincial Treasury.2. The merchant will open an account in a Branch of the Provincial Treasury and will utilize as far as

possible the services of the said Branch.3. The merchant will keep such records and from time to time furnish to the Provincial Treasurer such

statistical information as are necessarily required.4. The merchant will, in proper cases and when requested so to do, issue sales slips or invoices or other

satisfactory documentary evidence of a sale of goods, and will endorse thereon, a certificate or notationthat the said merchant has accepted in payment for the said goods, transfer vouchers drawn by thepurchaser on the latter's account in a Treasury Branch.

5. The merchant will .cornplete the information required by the form of the transfer voucher prescribed bythe Provincial Treasurer.

6. In the absence of such special agreement as may be made between the parties, the merchant agrees .thatthe Provincial Treasurer may make reasonable charges at his discretion for keeping the account hereinprovided for, and the Provincial Treasurer is hereby authorized to debit the account with the amountsso charged. .

7. The merchant agrees that some sign or mark identifying the merchant and evidencing the fact that hehas entered into this contract may be affixed to such part of the premises of the merchant as maybe agreed upon between the parties.

8. The merchant will use his best efforts in the conduct of his business to advance the sale of Alberta-madegoods. .

9. The Provincial Treasurer will establish and maintain Branches of the Department of the Treasury (hereinreferred to as "Treasury Branches") at such points as he may deem convenient.

10. The merchant agrees that the Provincial Treasurer may make a charge of two per centum (2%) on allcash withdrawals in excess of the balance of cash standing to the credit of the merchant's account atthe time of the said withdrawal; provided that upon being satisfied that such cash withdrawal in excessof the cash balance in the account is for the purpose of replacing at cost, goods sold by the merchantfor which payment. has been made by transfer vouchers, the Provincial Treasurer shall, in such caseand for such purpose permit cash to be withdrawn to the full amount of the said replacement costwithout the imposition of the said charge of two p,.,ercentum (2%).

11. Pursuant to agreement made in that behalf with depositors with the Treasury Branches, the ProvincialTreasurer will credit the accounts of all ultimate consumers purchasing goods from the merchant andmaking payment therefor by transfer vouchers drawn by the said purchaser upon his account in thesaid Treasury Branch with an amount not exceeding three per centum (3%) of such portion of thedeposit used' in the purchase of goods as aforesaid, the amount of the said credit to be based upon thepercentage of Alberta-made goods purchased during each _month _<11:lI.::i~g_.:w4icb.. the _said__deposit, ismaintained, that is to say: if' not" 'less- Ulan -thirl:y'::three and one-third per centum (33t%) of all pur-chases of 'the said goods are Alberta-made, credit shall be given not exceeding three per centum (3%)of the sum total of the goods purchased, if less than thirty-three and one-third pet centum (33!%) thecredit to be given shall be correspondingly decreased.

12. For the purposes of this contract "Alberta-made goods" shall mean such goods, wares and merchandisegrown, produced, manufactured or processed in Alberta which bear a label or other identification markissued under the authority of the Minister of Trade and. Industry or which are listed by the Ministeras Alberta-made goods.IN WITNESS WHEREOF the merchant has executed this agreement by signing the same, and the

Provincial Treasurer has executed the same by his duly authorized agent signing the same, the day and yearfirst above written. .................................................................. Witness ............................................................• Merchant................................................................ Witness Provirtcial Treasurer

(To be used in cases where the merchant IS a corporation.)IN WITNESS WHEREOF the merchant has executed this agreement by the signature of its proper

officers in that behalf and the affixing of the corporate seal and the Provincial Treasurer has executed thesame by his duly authorized agent signing the same, the day and year first above written .........•..............•..•........•....................• · ......• Witness .........•.................... ,...........•..•.• Provincial Treasurer. 10'1

in the Province of Alberta, a person, firm or corporation, engaged in the business.of the sale of goods, wares or merchandise to the consumer

(hereinafter called "THE MERCHANT").

._ .._-----_ .. ------_ .._._---------

t~·Page 16 THE SOCIAL CREDITER

ANNOUNCEMENTS AND MEETINGS

Will advertisers please note thatthe latest time for accepting copyfor this column is 12 noon Mondayfor Saturday's issue.

BELFAST D.S.C. Group. Public meetingswill be held in the Social Credit Rooms,72, Ann Street, Belfast. l'i~~meetingsNovember 10th, 17th, and 24th, at7-45 p.m. The meetings will be addressedby a different speaker each evening onthe subject: "Money versus Man." Allwelcome. Admission Free.

BIRMINGHAM and District. SocialCrediters will find friends over tea andlight refreshments at . Prince's Cafe,Temple Street, on Friday evenings, from6 p.m., in the King's Room.

BLACKBURN Social Credit Study Groupmeets each Tuesday at 8 p.m., in theY.M.C.A., Limbrick. All welcome. En-quiries to Hon. Sec., 47, Whalley NewRoad, Blackburn.

BRADFORD United Democrata. All en-quiries welcome; also helpers wanted.Apply R. J. Northin, 7, Centre Street,Bradford.

DERBY & DISTRICT S.C. Aasociation,.Meetings are held fortnightly (Tuesdays)at The "Unity Hall," Room 14, at 7-45p.m, Next meeting November 15th. LowerRates Demand Association workers areinvited to attend at above-6-30 to 7-30p.m., for latest instructions. CampaignManager, D. & D. L.R.D. Association.

LIVERPOOL Social Credit AasoeiatiOll.:Fortnightly PUBLIC MEETINGS, admis-sion free, held in Reece's Cafe, 14, CastleStreet, on Fridays at 8-0 p.m. Nextmeeting 0llJ November 18. Subject: "Wo-men and Money." 'Speaker: Dorothy M.Roberts. All enquiries readily a.ttended toby the Hon. Secretary, "Greengates,"Hillside Drive, Woolton.

LONDONERS! Please note that THESOCIAL CREDITER can be obtainedfrom Captain T. H. .Story, Room 437,Sentinel .House, Southampton. Row,London, w.c.i.

NEWCASTLE D.S.C. Group. Literature,The Social Crediter, or any other inform-ation required will be supplied by theHon. Secretary, Social Credit Group, 10,Warrington Road, Newcastle, 3.

PORTSMOUTH D.S.C. Group. Weeklymeetings every Thursday at 8 p.m, 16,Ursula Grove. Elm Grove, Southsea.

SOUTHAMPTON Group. Please notethat the Headquarters have been removedto 8, CRANBURY PLACE, SOUTH-AMPTON. Members please call to seethe new and more .advantageouslysituated premises.

TYNESIDE Social Credit Society inviteco-operation to establish a local centre forSocial Credit action in all its aspects.Apply W. L. Page, 74-6, High We!1tStreet, Gateshead.

WALLASEY Social Credit Aaaoeiation.Enquiries welcomed by Hon. Sec., 2,Empress Road, Wallasey;

WOLVERHAMPTON D.5.C. GnuP.Fortnightly meetings in the Ante-Room,Central Library.

Miscellaneous Notices.Rate Is. a line. Support our Advertisers.

NORTH Newc:astle.on·Tyne LowerRates Assoc:iation. All interestedplease get in touch with J. W.· Coward,Deepdale, Holly Avenue, Fawdon, New-castle-on-Tyne, 3.

.--'-;-0",.,

UNITED RATEPAYERS' ADVISORYASSOCIATION. District Agent for New-castle-on- Tyne area, W. A. Barratt, 10,Warrington Road, Fawdon, Newcastle-on-Tyne, 3, will be pleased ~ assist anyoneon new Lower Rates Associations.

UNITED Ratepayers' Advisory Aaaoc:ia·tion. District Agent for S. Wales andMonmouthshire, Mr. P. Langmaid, -199,Heathwood Road, Cardiff.

TO THE DIRECTOR OF REVENUE,THE SOCIAL CREDIT SECRETARIAT,10, AMBERLEY STREET, LIVERPOOL, 8.

I wish to continue my support of the policy of Major C. H.fDouglas through the organisation nominated by him to implement.that policy.

. . { per weekI will glVe £ ; ; 'per month

per yearthe funds of the Social Credit Secretariat..towards

Name _ _ _ _ _ .

Address _ _ ~ _ .

••,••'t~, - " ••• ~ .

\

Weekly Recipe

PEARS IN JELLY.6 large cooking pears.1 pint of water.6 cloves.3 ozs. sugar.1 lemon.t oz. gelatine.1 glass of wine.Cochineal.Peel and quarter the pears

and put them in a covered glassfireproof dish, with the cloves andsugar and water. Bake slowly inthe oven till 'tender-about twohours. Pour off the juice into asaucepan, add the rind and juice ofthe lemon and the gelatine, pre-viously soaked. Stir over fire tillgelatine is dissolved add a few dropsof cochineal. Pour a glass of wineover the fruit, then the strainedpear juice, and leave till set. Servewith cream. B. M. P.

The announcement is made;-"In view of the recent inter-

national crisis and the impractic-ability of summarizing effectivelythe disturbed business conditionswhich have resulted therefrom, it isnot proposed to publish an issue ofthe Midland .Bank Monthly Reviewfor September-October, 1938."f

The Social CrediterIf you are not a subscriber to THESOCIAL CREDITER, send thisorder without delay.The Social Credit Secretariat,10, Amberley Street,Upper Parliament Street,Liverpool.

Please send THE SOCIALCREDITER to meName .Address .

"

For Twelve Months-I enclose 15/-"Six " ,,7/6.. Three" ,,3/9

(Cheques and Postal Orders should becrossed and made payable to "The SocialCrediter."

Publisbed by Tudor Jones and. Mile. Hyatt forthe Social Credit Secretariat.

Temporary Offices 10... Amberlcy Street, UpperParliament ::>~ Li~ •

.Printed by J. HaYe8 I: eo;. Woaltaa, Li'ftl1lOCll •