I expect to report to you later in regard to debts owed the Government and people of this country by the Governments and peoples of other countries.  Several Nations, acknowledging the debt, have paid in small part; other Nations have failed to pay.  One Nation—­Finland—­has paid the installments due this country in full.

Returning to home problems, we have been shocked by many notorious examples of injuries done our citizens by persons or groups who have been living off their neighbors by the use of methods either unethical or criminal.

In the first category—­a field which does not involve violations of the letter of our laws—­practices have been brought to light which have shocked those who believed that we were in the past generation raising the ethical standards of business.  They call for stringent preventive or regulatory measures.  I am speaking of those individuals who have evaded the spirit and purpose of our tax laws, of those high officials of banks or corporations who have grown rich at the expense of their stockholders or the public, of those reckless speculators with their own or other people’s money whose operations have injured the values of the farmers’ crops and the savings of the poor.

In the other category, crimes of organized banditry, coldblooded shooting, lynching and kidnapping have threatened our security.

These violations of ethics and these violations of law call on the strong arm of Government for their immediate suppression; they call also on the country for an aroused public opinion.

The adoption of the Twenty-first Amendment should give material aid to the elimination of those new forms of crime which came from the illegal traffic in liquor.

I shall continue to regard it as my duty to use whatever means may be necessary to supplement State, local and private agencies for the relief of suffering caused by unemployment.  With respect to this question, I have recognized the dangers inherent in the direct giving of relief and have sought the means to provide not mere relief, but the opportunity for useful and remunerative work.  We shall, in the process of recovery, seek to move as rapidly as possible from direct relief to publicly supported work and from that to the rapid restoration of private employment.

It is to the eternal credit of the American people that this tremendous readjustment of our national life is being accomplished peacefully, without serious dislocation, with only a minimum of injustice and with a great, willing spirit of cooperation throughout the country.

Disorder is not an American habit.  Self-help and self-control are the essence of the American tradition—­not of necessity the form of that tradition, but its spirit.  The program itself comes from the American people.