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My principal difficulty this morning has been with regard

to my subject, which is, as the Chairman has stated, that of

Negotiable Instruments. My trouble is with the convention

that what you have to say usually must have something to do

with the subject which you have selected. And it seems I

would like to talk on a number of matters which perhaps you

will think are unrelated to negotiable instruments. Whether

I can make a plausible bridge from negotiable instruments to

those matters is a question. At all events I crave your indulgence.

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