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DIARY

Book 553

July 23 - 26, 1942

-ABook

Airport - New Hackensack (New York) Airport
Plans for improvement reported to HMJr - 7/23/42
"Out of bounds" designation suggested by HMJr because

553

Page
85

of private planes and plans for Hyde Park protection 8/3/42: See Book 556, page 29

Alaska

See U.S.S.R.: Gold
American Viscose Corporation

Arbitration between British Treasury and Messrs. Courtald's,
Ltd., announced by Chancellor of Exchequer in House
of Commons - 7/23/42

89

Appointments and Resignations

Foley, Edward H., Jr: Letters in connection with
entering Army - 7/24/42

221

Argentina

See Latin America

-Correspondence

Mrs. Forbush's resume - 7/24/42

243

Cowen, Samuel

HMJr arranges for transfer to New York Procurement

office at Mrs. FDR's request - 7/23/42

77

-F. Financing, Government

Warren comment on Treasury policy of conversion from
peace to war finance - 7/23/42.
Victory Fund Committee: Summary of views as to type of

issue Treasury should offer during August, etc. -

7/24/42
War Savings Bonds:

46

165

For address to Navy Department employees, see Speeches
by HMJr

Scherman's (Harry) "Invisible Greenbacks": No member

of staff associated with re-print - 7/23/42

Labor-Management conferences (regional) - Gamble
memorandum - 7/23/42.

Payroll Savings Plan:
Analysis as of July 18, 1942 - 7/24/42
Government Departments report - 7/25/42
Foley, Edward H., Jr.
See Appointments and Resignations

.G Gold

See Post-War Planning: United Kingdom
U.S.S.R.

Secret Service (Reilly) report - 8/15/42: Book 559, page 84

65

68

213
281

-IBook Page

Inflation
Conference; present: HMJr. Bell, White, Cairns,
B. Bernstein, and Paul - 7/24/42
a) FDR's attitude at Cabinet meeting discussed
by HMJr; possibility of FDR's sending up

553

153

message for Executive Order
b) Bernstein memorandum showing how freezing

control statute gives President power to control
wage levels and prices of agricultural

commodities - 7/24/42
c) Cost-of-living Executive Order: Rosenman, Byrnes,
and Ginsburg working on - 7/25/42
d) Paul sends to Rosenman proposed draft orders one covering wages and the other agricultural
prices - 7/26/42.
e) Conference: present: HMJr, Paul, Buffington,

256

280

294

Gamble, Thompson, Schwarz, Odegard, Cairns,

Haas, Bell, and White - 7/27/42: Book 554, page 2
f) Bernstein memorandum explaining FDR's future
plans following conference - 7/28/42: Book 554,
page 33

g) Conference: present: HMJr, Bell, White, Haas,
and Friedman: Book 554, page 49

h) National Grange resolution - 7/27/42:
Book 554, page 60

1) Conference; present: HMJr, Bell, Paul Stewart,
Haas, Cairns, Friedman, Viner, White, and
B. Bernstein - 7/28/42: Book 554, page 197
1) FDR decides "to get tough" on agricultural
prices and wages
j) Rosenman-HMJr conversation on New York Times

article - 7/28/42: Book 554, page 246
1) "Leak" through Bernstein's wife:
Book 554, page 279

kc) Conference on New York Times article; present:
HMJr, White, Cairns, Paul, and B. Bernstein:
Book 554, page 251

1) Babcock (Farm Bureau) and HMJr conversation:
Book 554, page 272

"Invisible Greenbacks"

See Financing, Government: War Savings Bonds

-LLatin America

Argentina: Immediate action on financial controls as
proposed by Argentine Committee - White memorandum 7/24/42

270

Lend-Lease

United Kingdom: Federal Reserve Bank of New York statement

showing dollar disbursements, week ending July 15, 1942 -

7/24/42

263

-MBook

Military Reports
British operations - 7/23/42, etc

553

Page

97,98,274,
291,293

"The War This Week, July 16-23, 1942" - Office of
Strategic Services report
Hoflich reports:

100

British vs. German tactics in North Africa - 7/24/42..

276

Russo-German Front - 7/24/42

278

-

-

Navy Department

See Financing, Government: War Savings Bonds
Speeches by HMJr

.

New Hackensack (New York) Airport

Plans for improvement reported to HMJr - 7/23/42

85

"Out of bounds" designation suggested by HMJr because

of private planes and plans for Hyde Park protection 8/3/42: See Book 556, page 29

Secret Service (Reilly) report - 8/15/42: Book 559, page 84

-PPost-War Planning
United Kingdom:

British Treasury discussions reject idea of return
to gold standard - 7/25/42

268

House of Lords debate - 7/27/42: Book 554, page 140
-R-

Rubber

Scrap: 102,000 pounds turned in by Treasury - 7/24/42..

102

-SScherman, Harry

"Invisible Greenbacks": See Financing, Government
(War Savings Bonds)

Second Front

Knox tells HMJr that Hopkins, King, and Marshall

(in England) instructed by FDR not to return until
British agree to attack with us this summer - 7/24/42..

146-A

Speeches by HMJr

War Savings Bonds: Remarks to Navy Department employees

in connection with announcement of results of 10%
deduction plan - 7/23/42.
a) Reading copy - 7/24/42

8

147

-UBook

Page

U.S.S.R.

General Doolittle--MMJr conversation: Litvinov has told
HMJr American aviators will be treated like officers
of similar rank in Red Army - 7/23/42

553

12

Gold:

Delivery of $3 million plus at Nome reported by
Treasury to Secretary of War - 7/24/42
a) Air Force will fly gold from Nome to Denver -

269

7/27/42: See Book 554. page 161

Delivery of 28 cases at Brooklyn - 7/27/42: Book 554,
page 162

a) Resume of: Book 554, page 382

United Kingdom
See Lend-Lease

Post-Var Planning
Second Front

VVictory Fund Committee
See Financing, Government

Viscose Corporation, American
See American Viscose Corporation
-WWar Department

Banking facilities discussed in Stimson-HMJr
correspondence - 7/24/42

War Savings Bonds

See Financing, Government
Warren, Mr.
See Financing, Government

241

July 23, 1942.
2:40 p.m.

HMJr:

(W.H.)

Hello.

Operator:

One moment, Mr. Secretary.

HMJr:

Hello. Hello.

HMJr:

Shall I ring you back?
I'11 hold on a minute.

Operator:

All right.

HMJr:

Hello.

Operator:

Yes, sir. Shall I ring you back?

HMJr:

What did they say over there?

Operator:

It was a man operator - he

HMJr:

Yes.

Operator:

....I told him I was going to ring you.

HMJr:

Hello.

Operator:

Grace

There you are.

Tully:

Hello.

HMJr:

Hello, Grace?

T:

Yes, Mr. Secretary.

HMJr:

How are you?

T:

Fine, sir.

HMJr:

Two things

T:

Yes, sir.

2

-2HMJr:

the President talked to me yesterday about

what he was going to - thinking of doing in

regard to this cost of living

Yes.

T:

HMJr:

and he said he wanted to get the Attorney
General to give him a ruling.

T:

Yes.

HMJr:

Well, over - if you make a note - our boys here
are working along some entirely independent
lines on the authority that the President could
work along

Yes.

T:

HMJr:

on the monetary authorities, I mean, which may

or may not lead anywhere, but we're working very

hard on it.

T:

Yes.

HMJr:

And I was thinking if he's going to do something

on this, I'd like to suggest that he get Sam
Rosenman down here

T:

HMJr:

Yes.

because I don't think the Attorney General
will give him much, and I think he needs Sam on
this.

T:

Uh huh.

HMJr:

But - I'd like

T:

HMJr:

That's the whole inflation program, is it?
Yes, it's a question - if the President goes the
way he talked yesterday, he's going to do it
through an Executive Order.

T:

HMJr:

Yes.

I mean - now we've got some suggestions. I
understand that Henderson's people worked all
last night on some suggestions

3

-3T:

Yes.

HMJr:

....and I suppose the Attorney General has.
Well, it needs somebody like Sam to put it
together.

T:

Uh huh.

HMJr:

See?

T:

Yes.

HMJr:

And the President laid great stress on it.
Yes. Well, I think he is coming down tomorrow.

T:

HMJr:

Oh, he is?

T:

Yeah.

HMJr:

Well, that's wonderful.

T:

He called today, and I think Mac called him back
and suggested that he come down here tomorrow.

HMJr:

T:

Well, do you suppose the President would mind
my suggesting he put Sam on that?

No, I think it's the kind of thing he will put

him on, when he gets the data together.
HMJr:

Right. Now the other thing 18 that about ten
days or two weeks ago the President saw
Dr. Weizmann,

T:

Yes.

HMJr:

And he - the President said he'd like to see

him again in ten days
T:

HMJr:

T:

HMJr:

Uh huh.

and Dr. Weizmann called up McIntyre, and
McIntyre never knew who he was and 80 forth
Uh huh.

and so on, and at the President's pleasure
he - he'd like to come down and see him again.

4

4T:

Yes.

HMJr:

He's working on rubber, you know.

T:

Yes. All right, fine, I'11 mention it to him

HMJr:

I thank you.

T:

Right, sir.

HMJr:

You sound very serious.

T:

Do I?

HMJr:

Yes.

and ask him if he'd like to see him and when.

T:

HMJr:

I don't mean to. (Laughs)
Well, now let me see, who said that they saw
the great Grace Tully last night - somebody that
I

T:

I was over to Kintner's last night. Did you see
Bob?

HMJr:

It - no, it wasn't - somebody that had never
met

T:

on Ferd Kuhn.

HMJr:

What?

T:

Kuhn.

HMJr:
T:

Oh, that's who it was.
That's right. He - he and his wife were there
to dinner.

HMJr:

Yeah, they're very much impressed with you.

T:

Very nice, I liked them both.

HMJr:

They are nice.

T:

HMJr:

Awfully nice people. Grand
All I could remember was that they said you were
great, but I couldn't remember who said it.

5

-5T:

(Laughs) You couldn't remember who said it.

HMJr:

No.

T:

But you knew it was somebody who was crazy

probably. (Laughs)

T:

No, I told him I'd known it a long time.
I see. Well, that was very nice.

HMJr:

Thank you.

T:

Grand, Mr. Secretary, and I'11 call you back on

HMJr:

Goodbye.

T:

Fine, goodbye.

HMJr:

it.

6

July 23, 1942.
4:20 p.m.

Secretary
Knox:

Hello, Henry.

HMJr:

How are you?

K:

Fine. Say, Henry, tomorrow - or Saturday noon
just - Friday noon

HMJr:

Yeah.

K:

little ceremony out in front of the - out in

just at twelve, we're going to have a
front of the building here on our ten percent

business.
HMJr:

Yeah.

K:

And there's a marine band's going to be there,
and Ralph Bard and I are going to make a little
talk, and we want you to come along and make a

little talk too.
HMJr:

Well, what time would that be?

K:

Get here at twelve o'clock, and the party begine
at twelve-ten.

HMJr:

You mean at your office at twelve?

K:

Yeah, come to my office and have break.. - have

HMJr:

Is it Friday or Saturday?

K:

Friday.

HMJr:

Friday.

K:

Yeah.

HMJr:
K:

HMJr:

lunch with me.

Ah - I'd like to do 1 t .
That will be fine. We'll go from here to
Cabinet.

....and....

-2K:

Have lunch with me, and we'll have a good talk.

HMJr:

Ah - I don't know that I'll talk, but I'11

D

stand up there and grin anyway.

K:

(Laughs) Well, you've got a very eloquent grin,

Henry.
HMJr:

Who are you - who are you talking at?

K:

Oh, all the people in the - the - the crowd here
in the Navy Department.

HMJr:

Fine.

K:

They - we got the street closed off, and we'll
have the band, and we'll have quite a crowd, I
think.

HMJr:
K:

Well, I - I - I'd be delighted to come.
And the Department, incidentally, is going over
like a house afire.

HMJr:

Well, they would under your leadership.

K:

(Laughs) Thank you, Henry.

HMJr:
K:

All right.
All right, that will be fine.

HMJr:

Thank you.

K:

Goodbye.

7/23/42

8

Draft of HM, Jr's remarks to Navy Department
employees in front of Navy Building when
Secretary Knox will also address them on
results of their 10% Deduction Plan.

Draft 7/24/42

9

Mr. Knox, Mr. Bard, Ladies and Gentlemen:

This is certainly a stirring and heart-warming
demonstration. I share with you the pride and satisfaction that all of you must feel over the outstanding
success achieved by the Navy Bond Campaign. There is

always satisfaction in a job well done. That is particularly true in this case, for sound and adequate
financing is one of the most important phases of our

all-out war effort. To prosecute the war during this
next year, it will be necessary for the Government to

this

borrow at least $50,000,000,000, more
than $4,000,000,000
12
a month. We hope that at least $4,000,000,000 & month
of this will come through the sale of War Bonds to wage
earners and salaried employees.

It is essential not only for the successful conduct
of the war but for the economic welfare of the nation
that as much as possible of the income of individuals
be invested in Government securities. This is imperative
for a number of reasons. One is that this money is
actually needed to finance the war. It helps to pay
econome
for the books our courageous fighting forces need to
defeat the enemy. Another reason is that by investing
as much as possible of our current income in war bonds,
we reduce unnecessary spending and thus help to keep

prices
wasbe
dollar
me gel.
one down.
haveSweey
dollar
that
wethinway
shallmeans
have

to bonow from the banks

10

We all know that the supply of civilian goods is
being drastically curtailed by the demands of war
production. with more money to spend for fewer goods,
prices are bound to increase unless we deliberately
resolve to spend less and save more. In war time
spending as usual is as bad as business as usual. By
investing every cent we can in War Bonds, we can kill
three birds with one stone. First we can help buy planes
and guns and ships, for our fighting men. Second we can

help keep down the cost of living for ourselves and for
the government. And third, we can protect our own future
security with the savingswe accumulate now.
To accomplish these objectives the slogan of our
War Bond Campaign has been "Everybody -- Every Pay Day -

10%." It is proper that we who are in Government service should set an example for those employed in business
and industry. The Treasury Department last month, and
now the Navy Department, have gone over the top in this
of both
the
campaign. Over 90% of their employees, are investing
more than 10% of their total pay in War Bonds every pay
day. We of the Treasury and you of the Navy have thus
said to employees everywhere, in other Government
Departments and in private business and industry, "We
have shown the way. This job can and must be done.'

accounts
Personally and on behalf of my follow employees
in the Treasury Department, I congratulate you. By your

11

success in this campaign you have demonstrated the

truth of your War Bond slogan, "Navy Dollars are Fighting Dollars."
My thanks and congratulations to you all. Keep
up the good work.

12

July 23, 1942.
4:52 p.m.

General

Doolittle:

Ah - Doolittle, Mr. Secretary. How are you,

HMJr:

I'm all right, General. Ambassador Litvinov

sir?

left here a little while ago - hello
Yes, sir.

D:

HMJr:

and he gave me this sort of peouliar

message. He said that we had been misinformed,
and he wanted to know who told us thirty

thousand rubles a month. Well, I told him

Yeah.

D:

HMJr:

....I didn't know who the message came from.

But I told him that - he said - if you've got
a pencil - hello
Yes, sir.

D:

HMJr:

.... that they proposed to charge seven thousand

five hundred rubles a month for five men
Yes.

D:

which works out at $280 per man per month.

HMJr:

Yeah.

D:

HMJr:

Then he said, "However, we will treat the
American aviators in a manner similar to their
rank of our own

D:

Uh huh.

soldiers.

HMJr:
D:

HMJr:

Yeah.

So I said, "Well, does that mean you're going
to charge them or not charge them?" He said,
"Well, my impression is that they're not going
to be charged anything."

D:

Uh huh.

13

-2HMJr:

But he said, "That's the message that I got,
that they're going to be treated just like
officere of similar rank - given the same food
and shelter. If

D:

Yes. Well, now in our army, and I presume in

HMJr:

Yes.

D:

theirs, an officer

....18 obliged to furnish his own quartere, his
enlisted man has all that furnished for him.

own food and shelter, and his own uniforme. An
HMJr:
D:

HMJr:
D:

Yes.

So (laughs) I suppose that they are supposed to to - or at least our Government is supposed to
pay this $280 per man per month for them. Now
they get $6 a day
Yes.

when they're on a mission of this kind.
Our people all got a per diem of six dollars
per day.

HMJr:
D:

Yeah.

Now that's a hundred and eighty bucks, and they're
only a hundred bucks in the hole according to
that.

HMJr:

D:

Well - ah - at least we've gone from seventyfive hundred rubles

Well, we've got it down to a quarter of what it

was.

HMJr:
D:

HMJr:

D:

We have a quarter.

It's a pretty good stroke of business.
Well, I - we've got him down from thirty thousand
rubles to seventy-five hundred.

Yee, sir. That's a quarter.

14

-3HMJr:

D:

HMJr:

And that's a quarter, and - you might check up
on it and let me know whether that is so, see?
Yes, sir.

Now I - don't tell me where you heard it from
because I don't think it's any of his business.

D:

Right.

HMJr:

Because if he knew he might want whoever it wee

disciplined, and if I don't know I can't tell

him.
D:

Right.

HMJr:

So - but I would be curious to know whether that -

what he's told me today checks, and you have ways
D:

HMJr:
D:

of finding out, haven't you?
I will get in touch with our Cable Department
and see if we have any further information on
it.

Right. Well
Okay, Mr. Secretary, I'11 call you back as soon
as I get any information. That might be in the
morning.

HMJr:

That - that's all right.

D:

Right, sir.

HMJr:

Thank you.

D:

Goodbye.

15
July 23, 1942.

4:57 p.m.
HMJr:

Hello,

Operator:

Miss
Tully stepped out of her office for a
moment.

HMJr:

Is Mrs. Brady there?

Operator:

I'11 see. The operator went off the line.
I'll have her in just a moment.
4:59 p.m.

HMJr:

Hello.

Operator:

Mrs. Brady.

HMJr:

Hello.

Kathryn
Brady:

Yes, Mr. Secretary.

HMJr:

Mrs. Brady, would you make a note for Grace
Tully?

B:

Uh huh.

HMJr:

There's a letter coming over from Edward Foley
resigning as General Counsel. He's going in
the army.

B:

Uh huh.

HMJr:

And - I'd appreciate it if she'd see that the
President writes him a nice letter

B:

HMJr:

Uh huh.

.... for the work he's done here in the Treasury,

which has been excellent.

B:

Uh huh. All right, sir. I'11 take care of it.

HMJr:

I thank you.

B:

All right.

16

Secretary Morgenthau's statement
before Senate Finance Committee on July 23,1942

17

You will recall that in his Budget Message
of January 5th, President Roosevelt asked for

additional taxes for the fiscal year 1943, exclusive of Social Security taxes, of seven billion
dollars. On March 3rd, I appeared before the
Committee on Ways and Means of the House and

presented recommendations for a tax program to

produce seven billion, six hundred million dollars
in additional annual revenue from taxes. On

May 6th I wrote a letter to the Chairman of the
Committee on Ways and Means recommending a reduc-

tion in personal income tax exemptions to produce

approximately one billion, one hundred million
dollars more revenue.

-2-

18

These two recommendations together involved a tax

program of eight billion, seven hundred million
dollars of additional revenue. These amounts

represented what I believed, and still believe,
was the very least that the American people could

afford to provide.
It is only against the background of our war
expenditures that we can tell whether the Revenue

Bill before you will fulfill its purpose. We are
now spending one hundred fifty million dollars

a day, or almost five billion dollars a month. In
the fiscal year that is beginning we expect to spend
the almost inconceivable sum of seventy-seven billion

dollars to win this war for human freedom.

-3-

19

There can be no compromise with these war

expenditures. We would not reduce them 1f we

could. Our whole effort must be to translate our
spending as fast and as effectively as possible in
the actual production and use of our war materials.
If our expenditures this year reach seventy-seven

billion dollars, our receipts in revenue from the
people must bear some reasonable relationship to

that colossal figure. If the House Bill were to
become law it would be necessary to borrow from the

public during this fiscal year about fifty-three

billion dollars.

20

-4To the extent that we enlist our current income
in taxes to cut down this borrowing, we shall be
protecting the future economic soundness of our

country and our free institutions. To the extent
that we fail, we shall be endangering the survival

of all that we are fighting to preserve.
It is interesting to remember that only two
years ago, in the fiscal year 1941, we were
devoting only about seven percent of our national
income to defense expenditures. In the present

fiscal year we shall be spending about half of our
national income on the war.

21

-5Thanks to the foresight of President Roosevelt
and the splendid cooperation of Congress, we

expect to devote to the war effort in our first
complete fiscal year of war a proportion of our
national income roughly comparable to the proportion being spent by Canada and approaching

that being spent in Great Britain.
We get a different picture, however, if we
look at the percent of expenditures financed

through taxes in the three countries. In the
fiscal year 1941 Canada financed about seventy

percent of all its expenditures by taxation, and
in the fiscal year 1943 it expects to raise about

fifty-five percent from taxes.

22

-6The United Kingdom, in the fiscal year 1941,

financed forty-four percent of all its expenditures by taxation, and in the fiscal year 1943

it expects to raise fifty-three percent from
taxes. In the United States, however, including
Federal, State, and local governments, only thirtyseven percent of all fiscal 1943 Government expendi-

tures would be financed by taxation on the basis

of the Revenue Bill now before you. It 18 clear
that we are substantially behind Great Britain
and Canada in the proportion of our expenditures

which we are raising from taxes. Quite frankly,
I do not see why we should not do at least as well
as Great Britain and Canada.

-7Taxation and the Cost of Living
Taxation does more than supply money to

finance the war. It does more than apportion
the war burden now, once and for all, instead

of leaving it for further distribution through
taxes after the war. Wartime taxation also
plays an important part in preventing rapid and

continued increases in the cost of living. The
President has announced a seven-point program

for holding down the cost of living. Ceilings
have been placed on prices. This fact may have
caused many people to be unduly optimistic about

the future of the cost of living.

23

24

-8It cannot be too strongly emphasized that 1f the

price ceilings are to be maintained and rapid
and continuous price rises avoided, the pressure
of the large and expanding volume of consumer

purchasing power on the diminishing supply of
goods must be reduced.

To reach a much larger volume of consumer

purchasing power, the Bill now before you includes
such a broad reduction of personal exemptions

that it will affect almost seven million individuals who have never paid direct taxes to the

Federal Government before. If this section of

the Bill is passed as it stands, some thirty-one
million income tax returns will be filed in 1943
as against only seven million, seven hundred
thousand in 1940.

25

-9For the first time in our history the income
tax is becoming a people's tax.
Taxes cannot, by themselves, win the battle

against inflation. The battle must be fought
with determined and coordinated effort on many

fronts. Taxation can be fully effective in this
battle only 1f it is accompanied by restraint

and self-denial in other fields. Nevertheless,
taxation by itself can make the price situation
more controllable and less dangerous than it

otherwise would be, and it is an essential antiinflationary weapon that must be used to the
utmost.

- 10 Inflation has been well described as "the ruthless process whereby sacrifice is imposed
inequitably upon a people who have lacked the

unity, the courage and intelligence to impose

that sacrifice equitably upon themselves." It
is for us to show that we have the unity, the
courage, and the intelligence to check inflation
now.

Treasury Program a Minimum Program

The Administration's revenue program was

presented last Spring as a minimum. On March 3rd,
when I first came before the Ways and Means Com-

mittee, our total contemplated expenditures for

the fiscal year 1943 were sixty-three billion
dollars.

26

27

- 11 Since then they have risen by fourteen billion

dollars, and the total war appropriations,
authorizations and requests for this and succeed-

ing fiscal years have risen by seventy-five billion

dollars. It is true that the Bill before you
would produce by far the greatest revenues in
our history, and I would not wish for one moment
to minimize the task performed by the Ways and

Means Committee. Yet this Bill would provide

only six billion, three hundred million dollars
additional revenue in place of the eight billion,
seven hundred million dollars we recommended in

the Spring. It would fail by about two billion,
four hundred million dollars to reach that minimum
of last Spring, which is even more emphatically

the very least we can afford to provide today.

- 12 In presenting its revenue program to the.
Committee on Ways and Means, the Treasury out-

lined methods of taxation which it considered
most desirable and appropriate to raise the

required amounts. I still believe that these
proposals are sound and present the best sources

for a revenue program of this size. They are

based upon the principle of ability to pay, and
they avoid such devices as a general sales tax,

which would fall with the greatest impact upon

those least able to bear the burden. The various
provisions of the Administration program are well
known and it is not necessary to repeat them here.

I should like, however, to emphasize certain points
which I hope will be most carefully considered by
the Committee.

28

- 13 -

29

1. Special Privileges
The Revenue Bill as it stands violates the
basic principle of equity which 18 so important

to an all-out war finance program. It does this
by leaving certain highly privileged groups free
from tax on large portions of their income. .

The first of these especially favored groups

are the recipients of tax-free interest from State
and municipal securities. Exemption of interest
on State and local securities is a serious breach

in our system of taxing according to ability to
pay. For example, in the case of one individual,
out of a total reported income of approximately
nine hundred seventy-five thousand dollars, over
six hundred sixty-eight thousand dollars came from

State and local securities.

- 14 -

30

If the Bill as it passed the House should become
law, this individual would pay only two hundred

forty-three thousand dollars; 1f, on the other
hand, your Committee would adopt my suggestion and

remove this pre-Pearl Harbor exemption, he would

pay eight hundred thirty-two thousand dollars.

Let me put the illustration another way. If this
exemption is retained he would have seven hundred

thirty-two thousand dollars left after taxes; 11
it is abolished, he would have one hundred forty-

three thousand dollars left.
The glaring unfairness of this exemption may
be seen in another way.

31

- 15 -

Under the tax rates in the House Bill, a person
with a surtax income of one hundred thousand

dollars from other sources who holds a three percent tax exempt security receives as much net

return after taxes as from a taxable security

yielding 20 percent. The existence of this

special privilege for all holders of tax-free
securities costs the Government and the people

of the United States, under the House rates of

tax, about two hundred million dollars a year;

and it will cost still more as our wartime taxes
tempt more and more wealthy individuals to shift

their investments into the hide-out of tax exempt
securities.

- 16 -

32

HOW can we expect to obtain an all-out war

effort from all our people if we go on permitting
a group of individuals and corporations owning

fourteen billion dollars of State and local
securities to go tax free on the income from these
securities? We are asking our young men to give

their lives for their country, and at the same
time we are allowing many wealthy persons, safe

behind the lines, to escape their fair share of
the war's financial burden. At a time when we

are straining our energies to the utmost to
defeat a powerful and ruthless foe, common

decency requires that we abolish these special

tax shelters, and do it now.

33

- 17 Another highly privileged group having large
amounts of income exempt from income tax are the

owners of oil wells and mines. I refer to those
provisions of the law dealing with percentage

depletion. Percentage depletion is a serious
breach in our system of taxation according to

ability to pay.
I cannot believe that the taxpayers of
America would knowingly sanction a provision of

the law which allows owners of oil and gas wells
to deduct from their income twenty-seven and one-

half percent of their gross receipts from such
wells--not for one year, two years, or the period
necessary to return investment, but for an
unlimited period.

- 18 For example, a leading oil company owned a number

of oil properties which had cost it three million
dollars. At the time the case was examined per-

centage depletion of three billion, six hundred
million dollars had already been allowed and the

properties still had three-fourths of the oil

left.
Certainly we cannot justify this exemption
on the ground that it encourages exploration and

drilling for oil. There is grave doubt that it
has a substantial effect on oil discovery. It
would have cost the Federal Government about one-

third as much to have paid all the cost of every

wild-cat well that was drilled in 1941 as to have
allowed percentage depletion and the associated

intangible drilling expenses.

34

35

- 19 The annual cost of these allowances under the
proposed rates would be about two hundred million

dollars.

The privilege of filing separate income tax
returns furnishes another example of special tax
advantage to many married couples having larger

than ordinary incomes. In families in which the
income is earned partly by the husband and partly

by the wife and in families in which income-earning property can be divided between husband and

wife, the tax on the family income is less than
where the husband or wife receives the whole
income.

36

- 20 -

The family is the true economic unit, and it is
unfair for the amount of tax on the family to
vary depending upon who earns the income or upon

who in the family has income-producing property.

Ability to pay taxes must be judged in terms of
family incomes and not the incomes of members of

the family. The failure to require joint income
tax returns constitutes a violation of the fundamental principle upon which our tax system has
been based.

The adoption of mandatory joint returns would

also eliminate another discrimination prevailing
under existing law.

37

- 21 -

Married couples living in the eight so-called
community property States receive tax advantages
which are in no way commensurate with any special
relationship that may exist between husbands and

wives in those States. For example, take a
family in which the husband has a salary of ten

thousand dollars after deductions. If the family

has its residence in, say, California, and filed
community property returns, the family tax would
be one thousand, seven hundred eighty-eight dollars,

while 11 the family lives in, say, Iowa, the tax
would be two thousand, one hundred fifty-two

dollars, or over twenty percent more. The discrimination is even more pronounced with larger
incomes.

38

- 22 In this national emergency, how can we complacently

permit the citizens of these community property
States a more favorable tax status than those of

the rest of the country?
These examples of special privileges are

intolerable at a time like this, when we are
imposing heavy taxes on persons with small incomes

and there is pressure for limiting wages and farm

prices. The country is in greater danger today

than ever before in its history. The war is now

in its most critical phase, and only by pulling
together as a united people can we make the effort

that will turn the tide toward victory.

39

- 23 -

At such a time any special privilege for any group
not only deprives the Treasury of revenue that is

badly needed for the war effort, but it hinders
the war effort by undermining the morale without
which the war cannot be won.

2. Excess Profits Tax
Another similar hindrance to the prosecution

of this "people's war" is the existence of excessive profits in wartime. There is no easier way
to stir the righteous anger of the American people
than to let them hear constantly of excessive war-

time profits that are not being recovered by
adequate taxation. I have said repeatedly that
we are determined to take the profit out of war,
and the Treasury's recommendations have been

framed with this determination in mind.

- 24 -

40

An effective excess profits tax does much
more than produce badly needed revenue in time

of war. It also reassures the masses of our
farmers and factory workers that industry is not
being rewarded unduly for its part in the winning
of the war.

I do not believe that any patriotic American

needs the "incentive" of profits to produce for

war at this time. Millions of our people are
willing to pay new and genuinely burdensome taxes,

to buy War Bonds without stint, and to do without
many of the accustomed luxuries and even con-

veniences of daily life. Their only "incentive"
is their firm resolve to win this war and build
a better future.

41

- 25 Experience has shown, however, that when

excess profits taxes are too high they may result
in extravagance and waste in the conduct of busi- -

ness. It 18 vitally important that we stimulate
business to produce for war purposes as economi-

cally and efficiently as possible, if for no
other reason than to avoid a waste of war materials
and labor and to hold down the cost of the war to
the Government. Moreover, a post-war credit to

industry will help toward the rebuilding of our
economic life. For these reasons we have recommended a ninety percent excess profits tax coupled

with a ten percent credit for return to the corporation after the war.

40

- 26 -

The credit should, of course, be restricted in
such a manner that it would be used for the direct
employment of labor, the conversion of plant to
peacetime business or for other uses promoting
economic adjustment and growth.

3. Tax on Freight and Express
One tax that would be imposed by the Bill

before you directly threatens the stability of
prices. This is the tax on freight and express
which would add to the cost of producing and
supplying practically every commodity and service.
In great numbers of cases the added cost would

make it impossible for businesses to continue to
operate under the price ceilings which have been

imposed and the breaches in the price ceilings
which would thereby be caused would threaten the

whole price structure.

43

- 27 Conclusion

I shall not attempt today to discuss the
more technical aspects of the long and complex

Bill before you, nor to enlarge further upon the
subjects I have mentioned already. The Treasury

staff stands ready, as always, to assist you in

every way possible in carrying out your difficult
and responsible task. I should like, however, to
make just one more appeal. Every day consumed in

your Committee's work will lose us substantial
amounts of revenue under the excise tax portions

of the Bill. Every day that can be saved in en-

acting this Bill will enable it to produce just so
much more in needed revenue. Every day saved will

give our citizens additional time to adjust themselves to the impact of the most severe tax bill

in all our history.

44

- 28 I am discussing our tax problem with you
today on broader grounds than that of revenue

alone. It is my conviction that the people of
this country want a courageous tax bill, and want

it with the least possible delay. They are ready
for greater sacrifices than some of us imagine.
The overwhelming majority of them, I am convinced,

want us in Washington to show a determination that

is worthy of their own. They will be critical of
us only 1f we seem to palter or haggle, or 1f we
pay too much attention to the demands of selfish

groups, or 1f we seem half-hearted in asking selfdenial of the people as a whole.
Our acceptance of sacrifice on the home front

is a yardstick of our determination to win the war.

- 29 -

45

For this reason it is unthinkable to me that we

should be straining every effort on the fighting
fronts abroad and on the production line at home,

and at the same time be anything less than all-

out in the financing of the war effort. This war,
above all others, can be won only by hard fighting,
by the acceptance of risks and deprivations, and

by the united effort of civilians and fighting
men alike. In this kind of war a tax bill can
be a decisive battle. It could be lost by narrow
vision and faulty leadership. It can be won by
boldness and courage. I am confident that this

Committee will live up to its high responsibilities
and keep faith with a united people.

47
7/23/42

Warren

Comments on Treasury Policy

As one surveys the record of the Treasury in the con-

version of the country from a peace to a war basis, he finds
much reason for congratulations and enough reasons for com-

placency. In two years, the production of the country has
doubled; and most of the increase of production has been on
government account. Not only have 10 million persons been

added to the list of gainfully employed, but other millions
who were then employed have been transferred to new occupa-

tions, often remote from their former residence. Whole now
cities and new industries have been built, and armies and
fleets assembled and equipped.

On the financing of these programs, the Treasury has

raised both by taxation and borrowing sums unparalleled in
American history; and perhaps in the whole of universal

history. All this has been done without imposing on the
public anything that could be called privation or hardships;
without visibly disturbing the credit structure; without even
causing a ripple in the pattern of what are called money
rates. By the usual pragmatic tests of fiscal achievement,
this is a record of outstanding success; certainly in OORparison with the analogous period a generation ago the

48

-2operation of the Treasury has demonstrated an efficiency,
a sort of professional competence that, as I said above, not

only silences criticism, but afford reasons for congratulation
and for complacency; but none for confidence.

So gradual, for our economy, were the successive trans-

itions from peace to neutrality, from neutrality to nonbelligerency, from non-belligerency to participation short

of war, and finally to war itself, that one finds it difficult
to remember that peace, even an uneasy peace, is one kind of

world and war is another kind. As each of these successive
phases made its increasing demands upon the Treasury, those
demands were readily met by a new enlargement or an elabora-

tion of an existing mechanism; and these several mechanisms

carried the additional load without betraying any conspicuous evidence of over-load.

This is the occasion for what I have called both
gratification and complacency. We may be gratified at the
magnitude and efficiency of the achievement to date, but in
my opinion we are only complacent, if we project their past

into the future. The fact that no individual part of the
mechanism has as yet broken under the load, does not prove

that the whole machine is not overloaded. While I can see

that there is no qualitative difference between a budget of,
say, $6 billion and one of $12 billion; and while I would

49

-3not be sure that there is a qualitative difference between
a budget of $12 billion and one of $20 billion, I am willing
to make the flat assertion that a budget of $75 billion

differs from a budget of $6 billion or $12 billion or $20 billion not merely in mathematical magnitude, but in its

character -- that it differe in kind as war differs from
peace; and that however well the individual elements of our

financial structure seem to be carrying their specific load,
the structure in its present form was never designed to carry

a load of this weight and bulk; and that, flatly, it cannot
carry it.
To be specific, if we are confronted (as we are) with
a budget equal to one-half (or more) of the so-called national
income, either the structure must be re-designed from the

ground up specifically to carry this load, or the load itself,
in its own blind way, will determine the shape of the
structure. And, if the structure is re-designed to carry the
indicated load, the new design will be totally unlike the
America that we know; if we allow the burden of the load

itself to determine the shape of America, it will be totally
unlike the America we have known. Because we have no idea

of the duration of this load, we can offer no assurance that,
when the war is over, we can, under either alternative,
reshape the country at will. We can only say that some

50
-

alternatives appear to leave more opportunity for a future

exercise of optional will, and that others appear to offer
less.

We will begin with a very simple but completely

neglected figure. The figure 65 is one-half of 110; but
there is a world of difference whether with a war budget of
$65 billion and a national income of $110 billion, we spend
half our national income on the war effort; or spend a sum
of dollars equal to half the national income.
If we choose the first alternative, the Treasury undertakes to recapture out of the national income one dollar out

of every two in that total. If we choose the second
alternative, the Treasury undertakes to recapture some fraction less than half of an estimated national income, and to

provide the balance by the creation of dollars. Since these
dollars, as created, and expended, will be added to the
previously estimated income, the latter total will rise, and

with it the uncaptured fraction. Under the latter alternative,
the methods of creating dollars is determinable by relative
cost and convenience. In its relevance to the main problem,
it does not matter whether the Treasury employes the Bureau

of Printing and Engraving to fabricate the dollars it creates;
employs the Reserve banks on a cost plus contract, as proposed by Mr. Patman; or employs the existing mechanisms of

51

-5the banking system. As an element in war finance, each of

the three is identical, and preference can be discovered by
consulting costs and conveniences rather than tradition or
inapplicable canons of imputed monetary orthodoxy.

There are, then only two alternative methods of shaping

our structure to carry its over-load; recapture or inflation.
Every proposal falls under one of these heads. Both require
laying the hand of force upon the individual's entire income,
in a manner beyond American experience. By either choice,
we break with our monetary and financial past; and as we
break with our monetary and financial past, we break many

strands from our social and political past. For some of
these strands, the rupture will be irreparable; for others
the reparability will depend upon the duration of time; but
broadly speaking, the degree to which we will retain any sort
of volitional control of our future will depend upon the
quality of thought expended on the present decision. A continuance of the present mixed design of recapture and in-

flation, inherited from an earlier period to which it was
adapted and perpetuated in a present to which it is, by agree-

ment, not applicable, is almost the surest, if not the surest
way of surrendering our future to the casualities of time and
circumstance.

52

-6While mathematically we would say it was possible to
recapture half of a national income, it must be remembered

that the national income -- or rather that figure of $110 billion commonly called the national income -- is a sum of
individual income, including innumerable duplications of
simple and complex type. Its very existence depends upon

its kinetic quality and we have no real idea of the extent
to which this may be interrupted or even destroyed by efforts
of recapture.

But, mathematically, it is at least conceivable that it
is possible to recapture half the national income. Some idea

of the implication of this phrase is indicated by two
ostensible facts. If we assume that there are about 55 million persons gainfully employed at the present time, the
residual income after recapture would average $1200 or less.
Or, put another way, if the present exemptions were converted
into oeilings and the tax were 100 percent of all income above
the present exemptions, it will recapture approximately the
required aum. This gives some impression -- not a very exact

impression, but the most exact I have -- of what is implied
in the glib phrase "devoting half our national income to the
war effort." Unless one is prepared to look that statement
in the face, he need not both to read farther, because I
intend to argue that if the alternative method is used, the
fact will come out the same.

53
7-

Having looked at these figures, I recall the expression

I used earlier. Only force -- the full force of the state can effect such a recapture; and all ideas of voluntary saving can immediately be dismissed. One could not expect the

individual voluntarily to reduce his expenditures to such
ceilings, nor, if his maximum income was his present exemption,
could he be expected to do much saving.

When I spoke of the kinetic quality of income, the term
was obscure and I will now give an example. For most home

owners in New Jersey, the state property tax would constitute

the first lien on retained income, and will constitute roughly
50 per cent of this income. These taxes, of course, are the
source of income of the office holder of New Jersey, and to
the extent that the proposed recapture induced tax delinquency,
the incomes of these office holders would cease.
Several methods of recapture have been proposed, but

they are all expressive of two basic ideas. One of these may

be called the ceiling income principle, the other the rationing principle. Under the former, the income tax would be a
uniform 100 per cent of all income above specified maximum,

which, as shown above, would be in the vicinity of the present
exemptions. This 100 per cent tax could be divided into a
simple tax (a non-recoverable contribution) and an element

54
00 -

of forced saving (a contribution recoverable at some time
and on some terms in the future). With incomes at this level,
there would, of course, be no problem of wage controls, price
controls, rationing or even consumers preference. The retained
income would in no case exceed the closest minimum of

absolute necessities.

The rationing principle is much the same. That is, the
individual would receive a coupon book entitling him to buy
specific amounts of enumerated necessities; and either no

articles or only a limited list of articles could be purchased
without the coupon. In short, his money would not be legal
tender for the purchase of any goods except as accompanied by

its appropriate coupon. The remainder of his income would

literally have no value except for hoarding, (1.e., the purchase of small denomination, non-interest bearing public

debt) or for investment (in interest bearing public debt).
This would not entirely eliminate the need of wage control,
but it would eliminate the need for price control, since supply
could be equated to an absolutely limited demand.
Neither Germany nor England seem to have accepted either

of these principles in a pure form; but seem to have adopted
elements of each; and, since they are both mere variants of

the principle of recapture, they are not in mutual conflict.
In both countries, there seems to be a margin of optional

55

-9spending money left for the purchase of unrationed goods

and services; but in both countries the limits of domestic
production and the isolation of the blockade greatly reduce
the amount and variety of unrationed articles. In both

countries, a flourishing black market exists, which would, of
course, be impossible if either plan of recapture were
strictly in use. I do not know about Germany, but for England,

it is more than doubtful if anything like half the national
income is recaptured by the Treasury.
Both schemes, or a combination of the two, present no

serious administrative difficulties when applied to persons
in receipt of regular income from a single source. More diffieulties would arise in the cases of the self-employed, such
as farmers, or the casually employed by several employers.
These groups can certainly be more easily reached by the
ration or coupon method than by the ceiling income method.

For the farmers, this is no great matter, for the total of
farm income is so small that if it were all recaptured or all
exempted, it would have little effect on war finance.
Superficially, both forms of recapture seem more drastic
than inflation; seem to be more of a break with the past;
seem to be less in accord with the "American Way." While

verbal horror of inflation is widespread, even unanimous,
this opposition to date has been merely verbal. As a matter

56

- 10 of fact, we have employed and are employing inflation or a
major element in our war finance; it has been se employed
somewhere and in other times as a method of war finance; at
least as much is known of the social and economic consequences of inflation as a method of war finance as 18 known
of the social and economic consequences of drastic income
taxation; and much more than is known of the social and
economic consequences of such devices as income oeilings and
non-spendable money. This knowledge has given it a bad name

-- so bad, indeed, that there is an impulse to experiment
with devices which are more favorably regarded principally
because they are less known. For myself, I admit a certain
propensity toward the oeiling income scheme -- of which there
is no example in history; and of a deep dread of inflation,
of which history affords many examples, and about which I
know a good deal. I suppose that one could readily assemble
50 tax experts among American universities; but he would have

a dreadful time collecting five tax economists. Even England,
which has had a long experience with relatively large taxation,
has never developed more than two or three, and those none
too good.

Now, with all its evil reputation, a case can be made
for inflation as a measure of war finance; and I will undertake

the office of devil's advocate. There are three initial

57
11

facts in its favor: (1) the mechanism already exists and

its utilization is fully subject to administrative action,
without additional legislation, (2) it can be used to provide
large sums with great rapidity, (3) it has demonstrated its
capacity to capture larger fractions of the national income
than any other demonstrated type of taxation.

For inflation is not a peouliar financial monstrosity;
it is a form of taxation and should be regarded as objectively
as any other form of taxation. As a form of taxation, inflation
has two unique qualities apart from those listed above.
(1) It is not merely a tax on current income, but a levy on
capital, or invested saving -- for which saving converts

income into capital, the capital levy in the form of inflation converts capital into income accessible to the state,
without conflicting with the mass of contractual relationships
that impose real obstaoles to the maximizing of other forms
of taxation. (2) When every other form of taxation rouses
resentment against the state, as the responsible party, the

incidence of inflation is such that the resentments are not
directed against the "Hidden Hand," but against a succession
of groups in the community. In the present instance, when
inflation has already aroused some feeling, in the population,
the public resentment has been successively diverted against
farmers, organized labor, the black market, Leon Henderson,

Treasury Department

46

Division of Research and Statistics

Date July 31,
To:

1942

4

Secretary Mergenthau

From:

Mr. Has

Attached is a memorandum

on Treesury Finance, prepared

by Mr. Warren in response to
your request.

58

- 12 the Standard 011, and other groups whose responsibility is
inconsiderable.

The charge is often made that inflation is inequitable.

Non-schematio inflation, like any other form of inflation,
is conspicuously erratic. Strategic groups and adroit
individuals are able to avoid its incidence; while weak groups
and the vast majority of the population thus contribute correspondingly more than their theoretically equitable share.

This is not peouliar to taxation by inflation. Equity is of
course difficult to define, but I have never seen it demonstrated that inflation was more inequitable than any other
form of taxation, attempting to capture an equal proportion
of the national income. In any form of taxation the consideration given to equity varies inversely with the amount
of revenue required; and when one is considering budgets equal
to half the national income, equity must be considered in
very elementary terms; such, for example as those applied by
draft boards.

There is, however, one definite pragmatic test of equity.
The administration of taxation by inflation must be suffiolently equitable to prevent the inevitable group antagonisms
from reaching the stage where they disrupt national unity;
but this would be true of any other form of taxation of equal
magnitude.

Treasury Department

46

Division of Research and Statistics

Date July 31,
To:

From:

1942

Secretary Morgenthau
Mr. Hear

AM

Attached is a memorandum

on Treasury Finance, prepared

by Mr. Warren in response to
your request.

47
Warren

7/23/42

Comments on Treasury Policy

As one surveys the record of the Treasury in the conversion of the country from a peace to a war basis, he finds
much reason for congratulations and enough reasons for com-

placency. In two years, the production of the country has
doubled; and most of the increase of production has been on
government account. Not only have 10 million persons been

added to the list of gainfully employed, but other millions
who were then employed have been transferred to new occupa-

tions, often remote from their former residence. Whole new
cities and new industries have been built, and armies and
fleets assembled and equipped.

On the financing of these programs, the Treasury has

raised both by taxation and borrowing sums unparalleled in
American history; and perhaps in the whole of universal

history. All this has been done without imposing on the
public anything that could be called privation or hardships;
without visibly disturbing the credit structure; without even
causing a ripple in the pattern of what are called money
rates. By the usual pragmatic tests of fiscal achievement,
this is a record of outstanding success; certainly in comparison with the analogous period a generation ago the

48

-2operation of the Treasury has demonstrated an efficiency,
a sort of professional competence that, as I said above, not

only silences criticism, but afford reasons for congratulation
and for complacency; but none for confidence.

So gradual, for our economy, were the successive trans-

itions from peace to neutrality, from neutrality to nonbelligerency, from non-belligerency to participation short

of war, and finally to war itself, that one finds it difficult
to remember that peace, even an uneasy peace, is one kind of

world and war is another kind. As each of these successive
phases made its increasing demands upon the Treasury, those
demands were readily met by a new enlargement or an elabora-

tion of an existing mechanism; and these several mechanisms

carried the additional load without betraying any oonspicuous evidence of over-load.

This is the occasion for what I have called both
gratification and complacency. We may be gratified at the
magnitude and efficiency of the achievement to date, but in
my opinion we are only complacent, if we project their past

into the future. The fact that no individual part of the
mechanism has as yet broken under the load, does not prove

that the whole machine is not overloaded. While I can see

that there is no qualitative difference between a budget of,
say, $6 billion and one of $12 billion; and while I would

49

-3 not be sure that there is a qualitative difference between
a budget of $12 billion and one of $20 billion, I am willing
to make the flat assertion that a budget of $75 billion

differs from a budget of $6 billion or $12 billion or $20 billion not merely in mathematical magnitude, but in its

character -- that it differe in kind as war differs from
peace; and that however well the individual elements of our

financial structure seem to be carrying their specific load,
the structure in its present form was never designed to carry

a load of this weight and bulk; and that, flatly, it cannot
carry it.
To be specific, if we are confronted (as we are) with
a budget equal to one-half (or more) of the so-called national
income, either the structure must be re-designed from the

ground up specifically to carry this load, or the load itself,
in its own blind way, will determine the shape of the
structure. And, if the structure is re-designed to carry the
indicated load, the new design will be totally unlike the
America that we know; if we allow the burden of the load

itself to determine the shape of America, it will be totally
unlike the America we have known. Because we have no idea

of the duration of this load, we can offer no assurance that,
when the war is over, we can, under either alternative,
reshape the country at will. We can only say that some

50

alternatives appear to leave more opportunity for a future
exercise of optional will, and that others appear to offer
less.

We will begin with a very simple but completely

neglected figure. The figure 65 is one-half of 110; but
there is a world of difference whether with a war budget of
$65 billion and a national income of $110 billion, we spend
half our national income on the war effort; or spend a sum
of dollars equal to half the national income.
If we choose the first alternative, the Treasury undertakes to recapture out of the national income one dollar out

of every two in that total. If we choose the second
alternative, the Treasury undertakes to recapture some fraction less than half of an estimated national income, and to

provide the balance by the creation of dollars. Since these
dollars, as created, and expended, will be added to the
previously estimated income, the latter total will rise, and
with 'it the uncaptured fraction. Under the latter alternative,
the methods of creating dollars is determinable by relative
cost and convenience. In its relevance to the main problem,
it does not matter whether the Treasury employes the Bureau

of Printing and Engraving to fabricate the dollars it creates;
employs the Reserve banks on a cost plus contract, as proposed by Mr. Patman; or employs the existing mechanisms of

51

-5the banking system. As an element in war finance, each of
the three is identical, and preference can be discovered by

consulting costs and conveniences rather than tradition or
inapplicable canons of imputed monetary orthodoxy.

There are, then only two alternative methods of shaping

our structure to carry its over-load; recapture or inflation.
Every proposal falls under one of these heads. Both require
laying the hand of force upon the individual's entire income,
in a manner beyond American experience. By either choice,
we break with our monetary and financial past; and as we
break with our monetary and financial past, we break many

strands from our social and political past. For some of
these strands, the rupture will be irreparable; for others
the reparability will depend upon the duration of time; but
broadly speaking, the degree to which we will retain any sort
of volitional control of our future will depend upon the
quality of thought expended on the present decision. A continuance of the present mixed design of recapture and in-

flation, inherited from an earlier period to which it was
adapted and perpetuated in a present to which it is, by agree-

ment, not applicable, is almost the surest, if not the surest
way of surrendering our future to the casualities of time and
circumstance.

52

-6While mathematically we would say it was possible to
recapture half of a national income, it must be remembered

that the national income -- or rather that figure of $110 billion commonly called the national income -- is a sum of
individual income, including innumerable duplications of
simple and complex type. Its very existence depends upon

its kinetic quality and we have no real idea of the extent
to which this may be interrupted or even destroyed by efforts
of recapture.

But, mathematically, it is at least conceivable that it
is possible to recapture half the national income. Some idea

of the implication of this phrase is indicated by two
ostensible facts. If we assume that there are about 55 million persons gainfully employed at the present time, the
residual income after recapture would average $1200 or less.
Or, put another way, if the present exemptions were converted
into oeilings and the tax were 100 percent of all income above

the present exemptions, it will recapture approximately the
required sum. This gives some impression -- not a very exact
impression, but the most exact I have -- of what is implied
in the glib phrase "devoting half our national income to the
war effort." Unless one is prepared to look that statement

in the face, he need not both to read farther, because I
intend to argue that if the alternative method is used, the
fact will come out the same.

53

-7Having looked at these figures, I recall the expression

I used earlier. Only force -- the full force of the state -can effect such a recapture; and all ideas of voluntary saying GAN immediately be dismissed. One could not expect the

individual voluntarily to reduce his expenditures to such
ceilings, nor, if his maximum income was his present exemption,
could he be expected to do much saving.

When I spoke of the kinetic quality of income, the term
was obsours and I will now give an example. For most home

owners in New Jersey, the state property tax would constitute

the first lien on retained income, and will constitute roughly
50 per cent of this income. These taxes, of course, are the
source of income of the office holder of New Jersey, and to
the extent that the proposed recapture induced tax delinquency,
the incomes of these office holders would cease.
Several methods of recapture have been proposed, but

they are all expressive of two basic ideas. One of these may

be called the ceiling income principle, the other the rationing principle. Under the former, the income tax would be a
uniform 100 per cent of all income above specified maximum,

which, as shown above, would be in the vioinity of the present
exemptions. This 100 per cent tax could be divided into a
simple tax (a non-recoverable contribution) and an element

54

-8 of forced saving (a contribution recoverable at some time
and on some terms in the future). With incomes at this level,
there would, of course, be no problem of wage controls, price
controls, rationing or even consumers preference. The retained
income would in no case exceed the closest minimum of

absolute necessities.

The rationing principle is much the same. That is, the
individual would receive a coupon book entitling him to buy
specific amounts of enumerated necessities; and either no

articles or only a limited list of articles could be purchased
without the coupon. In short, his money would not be legal
tender for the purchase of any goods except as accompanied by

its appropriate coupon. The remainder of his income would

literally have no value except for hoarding, (1.e., the purchase of small denomination, non-interest bearing public

debt) or for investment (in interest bearing public debt).
This would not entirely eliminate the need of wage control,
but it would eliminate the need for price control, since supply
could be equated to an absolutely limited demand.
Neither Germany nor England seem to have accepted either

of these principles in a pure form; but seem to have adopted
elements of each; and, since they are both mere variants of

the principle of recapture, they are not in mutual conflict.
In both countries, there seems to be a margin of optional

55

-9 spending money left for the purchase of unrationed goods

and services; but in both countries the limits of domestic
production and the isolation of the blookade greatly reduce
the amount and variety of unrationed articles. In both
countries, a flourishing black market exists, which would, of
course, be impossible if either plan of recapture were
strictly in use. I do not know about Germany, but for England,

it is more than doubtful if anything like half the national
income is recaptured by the Treasury.

Both schemes, or a combination of the two, present no

serious administrative difficulties when applied to persons
in receipt of regular income from a single source. More difficulties would arise in the cases of the self-employed, such
as farmers, or the casually employed by several employers.
These groups can certainly be more easily reached by the
ration or coupon method than by the ceiling income method.

For the farmers, this is no great matter, for the total of
farm income is so small that if it were all recaptured or all
exempted, it would have little effect on war finance.
Superficially, both forms of recapture seem more drastic
than inflation; seem to be more of a break with the past;
seem to be less in accord with the "American Way." While
verbal horror of inflation is widespread, even unanimous,

this opposition to date has been merely verbal. As a matter

56

- 10 of fact, we have employed and are employing inflation or a
major element in our war finance; it has been so employed
somewhere and in other times as a method of war finance; at
least as much is known of the social and economic conse-

quences of inflation as a method of war finance as is known
of the social and economic consequences of drastic income
taxation; and much more than is known of the social and
economic consequences of such devices as income oeilings and
non-spendable money. This knowledge has given it a bad name

-- so bad, indeed, that there is an impulse to experiment
with devices which are more favorably regarded principally
because they are less known. For myself, I admit a certain
propensity toward the oeiling income scheme -- of which there
is no example in history; and of a deep dread of inflation,
of which history affords many examples, and about which I
know a good deal. I suppose that one could readily assemble
50 tax experts among American universities; but he would have

a dreadful time collecting five tax economists. Even England,
which has had a long experience with relatively large taxation,
has never developed more than two or three, and those none
too good.

Now, with all its evil reputation, a case can be made
for inflation as a measure of war finance; and I will undertake

the office of devil's advocate. There are three initial

57

- 11 -

facts in its favor: (1) the mechanism already exists and

its utilization is fully subject to administrative action,
without additional legislation, (2) it can be used to provide
large sums with great rapidity, (3) it has demonstrated its
capacity to capture larger fractions of the national income
than any other demonstrated type of taxation.

For inflation is not a peouliar financial monstrosity;
it is a form of taxation and should be regarded as objectively
as any other form of taxation. As a form of taxation, inflation
has two unique qualities apart from those listed above.
(1) It is not merely a tax on current income, but a levy on

capital, or invested saving - for which saving converts

income into capital, the capital levy in the form of inflation converts capital into income accessible to the state,
without conflicting with the mass of contractual relationships
that impose real obstacles to the maximizing of other forms
of taxation. (2) When every other form of taxation rouses

resentment against the state, as the responsible party, the
incidence of inflation is such that the resentments are not
directed against the "Hidden Hand," but against a succession

of groups in the community. In the present instance, when
inflation has already aroused some feeling, in the population,
the public resentment has been successively diverted against
farmers, organized labor, the black market, Leon Henderson,

58

- 12 the Standard 011, and other groups whose responsibility is
inconsiderable

The charge is often made that inflation is inequitable.
Non-schematic inflation, like any other form of inflation,
is conspicuously erratic. Strategic groups and adroit
individuals are able to avoid its incidence; while weak groups
and the vast majority of the population thus contribute oorrespondingly more than their theoretically equitable share.

This is not peouliar to taxation by inflation. Equity is of
course difficult to define, but I have never seen it demonstrated that inflation was more inequitable than any other
form of taxation, attempting to capture an equal proportion
of the national income. In any form of taxation the consideration given to equity varies inversely with the amount
of revenue required; and when one is considering budgets equal

to half the national income, equity must be considered in
very elementary terms; such, for example as those applied by
draft boards.

There is, however, one definite pragmatic test of equity.
The administration of taxation by inflation must be suffioiently equitable to prevent the inevitable group antagonisms
from reaching the stage where they disrupt national unity;
but this would be true of any other form of taxation of equal
magnitude.

59

- 13 Finally, we have abundant evidence that taxation by
inflation can be applied on a large scale over an extended
period of time without disrupting the economy as a going
concern. We do not positively know that to be true of any
other form of taxation of comparable magnitude.

While as far as the Treasury is concerned, inflation is
by far the easiest administered method of war finance, the
general problem of schematic management of the inflation tax

requires a more complex set of controls than either of the
two forms of re-capture. Whether an absolute ceiling on all
individual income; or with a complete rationing of consumer
expenditure, only a single control is required, the whole

civil economy is, so to speak, frozen in its tracks. Under
inflation, exactly the opposite occurs. Under the continuous
and progressive depreciation of the currency, society itself
as well as its economic components, acquires an exaggerated

fluidity. Everything is in motion, and the regulation of
this movement requires the most devious controls, armed with

the full force of the state. Yet even this is not beyond
precedent. For some years, it is said that the Russian
government exacted about one-half of the national income for

budgetary purposes, by the mechanism of inflation. The feeling against inflation as a method of war finance, in spite of

60
- 14 -

its utility, is that it commonly terminates in revolution.
Its very success enables it to overload the entire structure
to a point where the whole fabric bursts under the over-load.

I do not know that this is inevitable, and it is not
necessarily immediate. Some ten years elapsed between the

German inflation and the installation of the Nazi regime,
which as Spengler anticipated, was its consequence. As to
its inevitability, one might argue that there have been no
examples of "managed" or "schematic" inflation except the
Russian; and that this experience is the best evidence of

the time capacity. In short, I do not think we should rule
out the applicability of inflation as an element of war finance,
under one condition -- namely, that it is frankly acknowledged,
and that the appropriate controls be accepted as essential
to the scheme.

While one can make a case for either recapture or

inflation, I do not think it is possible to make a case for
a combination of the two. That is, to combine taxation with
inflation, does not mean that the taxation "offsets" the
inflation, or that it possesses any magical ant1-inflationary
quality. It means a duplication of burdens, a compounding of
inequities; and such a disturbance of the economy as a going
concern that I should say that the war effort, instead of

getting the best of two worlds, would get the best of neither.

61

- 15 Nor, when one considers the magnitudes involved, can

I see anything but harm in maintaining the voluntary element

in war finance. Voluntary subscription, like voluntary
enlistments, were an appropriate element of wars of lesser

magnitude; but in an effort of this magnitude, in which half

the national income is involved -- i.e., all the national
income above a bare subsistence -- I can see no place for
voluntary co.,itributions.

I do not think we realize that a budget of $75 billion,
whether financed by recapture or by inflation, means taking
from the individual, one way or another, everything above
a bare subsistence. It obviously has not taken anything like
that yet; but we have not yet even approached that figure.

As the $75 billion budget is now visualized, it is
proposed to take about one-third in taxes, and less than a
third more out of income. Approximately half is to be

derived from inflation. I believe this distribution invites
disaster. The element of inflation is too large, if inflation
is not to be the focal element; yet it is too small to derive
for the effort the full benefit of taxation. Or, conversely,
taxes are far too high if inflation is to be the focus and
too low if inflation is to be avoided. In short, I believe
the war effort can be financed either by recapture or by
inflation; that the two might be combined (as they were a

62

- 16 -

generation ago) if one can postulate a war as brief as that
of 1917-18 -- namely 18 months. But given the uncertainties
of duration, I believe that there is a better than even
chance that an attempt to finance the war by a combination

of recapture and inflation will lead to social and economic
disaster.

63
RKO KEITH'S THEATRE
WASHINGTON D.C.

July 23, 1942..
HARDIE MEAKIN

Dear Mr. Secretary:

I deeply appreciate your very kind

note of July 22, in reference to the recent
visit of the heroes to Washington.

Let me assure you that at anytime I

can be of service, I will be honored if you will
oall upon me.
Sincerely,

Hon. Henry M. Morgenthau, Jr.
Secretary of the Treasury
Washington, D. C.

DARD FORM NO. 14

OVER BY THE PRESIDENT
MARCH 10. 1920

TELEGRAM
OFFICIAL BUSINESS-GOVERNMENT RATES

64

FROM 398

BUREAU War Savings Staff
CHG. APPROPRIATION Expenses of Lessa

10-STM

July as, 1948
Mr. Free 4. Dragonette
Chairman

War Savings Committee - Pima County
Southern Arisona Bank and Trust Company
Tucson, Arisona

It is a pleasure to send you the greetings of the Treasury

Department for Pima County's bond breakfast, at which I
understand you are undertaking to sell one hundred thousand
dollars or more in War Savings Bonds. The people of Pima

County are participating loyally and generously in the Bar
Savings Program and you have OUP best wishes for continued
success in your efforts.
Henry Morgenthau, Jra

Secretary of the Treasury.

HNGsega

65
TREASURY DEPARTMENT
INTER OFFICE COMMUNICATION
DATE

To

Secretary Morgenthau

FROM

Harold Grave

July 23, 1942.

I attach hereto a memorandum from Mr. Sloan regarding

the reprint of Mr. Scherman's "Invisible Greenbacks," from

which you will note-(1) That the War Savings Staff had nothing to do

with the preparation or publication of this
pamphlet; and

(2) That no distribution of the pamphlet has been
made to our Administrators or to others in

the field.

66

TREASURY DEPARTMENT
INTER OFFICE COMMUNICATION
DATE
TO

Mr. Graves

FROM

Eugene Sloan

7/23/42

Regarding Harry Scherman's article, "Invisible Greenbacks",

I have the following to report:

1. No member of the Staff had anything to do with re-

prints of this article.

2. Mr. Buffington was in no way concerned in the reprinting and has sent none of this reprint to the
field.

3. There are about 3,000 copies of this reprint in
the Press Section, which are to be destroyed.

4. It was intended to distribute copies of this re-

print to the State Administrators, in a routine
manner, as other informatory data is distributed.
The Field Division, however, had insufficient
copies to provide the State Administrators. The
only distribution effected, therefore, was an intra-

office distribution.

There is attached hereto a list of the persons re-

ceiving the pamphlet, which was attached to Field
Memorandum #355, dated July 18, 1942. Instructions

have been issued that there shall be no further dis-

tribution of this article.

Attach.

67
MEMORANDA

(Distributed within the office)
MAIN TREASURY HLDG.
Graves

4

Mills

1

Bryce

1

Milton

1

Gamble

1

Buffington

2

Odegard

1

DEMOLL BLDG.

Poland

1

Dallas (Miss)

1

James Marke

1

Tomkins

1

Prior
J. Graves
Houghteling

1

1

6

Hyatt
Pulte

2

3

Elliott (Miss)

1

Morgenthau (Mrs.)

1

NAVY DEPT.

Miss Wooten

3

Div. Savings Bonds
Navy Dept.

Washington, D. C.
SLOANE BLDG.
1

2

Coyne

Blyth

1

15

Paige

1

Stephens (Mrs.)

1

McDonald
Wolfe

5

1

O'Malley

1

Betts (Mrs.)

1

Adams
3

R. Barrett
Bray

1

1

Callahan

3

Mahan
3

Duffus

Michrist
Jones (Mrs.)

McCarty

3

1

2

2

Powel

3

Buckley

Legler
Hall

1

Hirzel
Read

1

1

Horner
Rapp

1

1

68

TREASURY DEPARTMENT
INTER OFFICE COMMUNICATION

DATE July 23, 1942
TO: THE SECRETARY

FROM : TED R. GAMBLE

Subject: Regional Labor-Management Conferences
Arrangements have been completed for a series of Labor-Management Con-

ferences on Payroll Savings suggested by yourself, and listed below is a brief
outline of programs:

1. Purpose - our purpose is to bring labor and management together to
investigate, discuss and work out means of diverting 10% of America's payrolls
into War Bonds through the proper use of the Payroll Savings Plan.

2. Invitations - (a) invitations to these meetings have been issued by
the National Committee for Payroll Savings. Its members are:
Thomas C. Cashen - Chmn., Railway Labor Exec. Asso.
- A. F. of L.
William Green
- C. I. O.
Philip Murray
- Asso. of American RR
J. J. Pelley
- National Asso. Mfgrs.
C. P. Witherow

Eric A. Johnston - Pres., U. S. Chamber of Commerce

(b) invitations are being sent to:
1. executives of all firms with over 500 employees
2. labor representative of each such firm
3. women chairmen in each district

4. such volunteer chairmen who may be selected by the
Administrator

5. President of the local Federal Reserve Bank

6. local civic leaders

3. The meetings will take place at:
Richmond, Va.

St. Paul, Minn.

July 30

Aug. 5

Kansas City, Mo. Aug. 7
Philadelphia, Pa. Aug. 11
Cleveland, Ohio

Chicago, Ill.

Aug. 11
Aug. 11

Atlanta, Ga.

New York City
Dallas, Texas
San Francisco
Seattle, Wash.
Boston, Mass.

Aug. 13
Aug. 17
Aug. 17
Aug. 17
Aug. 20
Aug. 25

2.

69

The first meeting will be held at Richmond, Va. on July 30. It is
planned to take our entire committee and field representatives to observe
this meeting and return to Washington the next day to discuss any possible
improvements for future meetings.

4. Preparation - Treasury field representatives are now in the several
states bringing a bor and management together and making all necessary arrangements.

5. Method of Conducting Meeting:

a. introduction of Treasury Chairman by local official
b. remarks by Treasury Chairman - purpose and background
C. actual demonstration of successful 10% plans by both management and labor

d. part played by women
e. questions and answers

f. how to put on a 10% drive
g. urge all present - both labor and management - to form
committees and set machinery in motion for a new 10%

drive within their respective plants by September 1st
6. Luncheon - in most cities Federal Reserve Bank has kindly offered

to invite all in attendance to luncheon.

7. Press - proper publicity will be arranged for the national, local
and labor press.

8. Displays - there will be numerous displays by companies, unions, and

the Treasury itself of successful Payroll Savings Plans now in operation

(literature, .posters, billboards, etc.)
9. Labor Month - meetings will be keyed to activity by and for labor
as planned in September.

10. Follow-Up - (a) each Administrator will be expected to arrange

for similar meetings of smaller firms in his respective state.

(b) a check on results of firms participating
11. Administrators' Meeting - following these meetings the Administrators

3.

from neighbo ing states in attendance will meet with Washington representatives
to discuss detailed follow-up of Payroll Savings Program.

70

71

SCHEDULE OF LABOR - MANAGEMENT MEETINGS

Engelsman (all attend)

July 30

Richmond, Virginia

August 1-2

(Return to Washington for check on Richmond meeting

August 11

Atlanta, Georgia

Glenn

August 11

Philadelphia, Pa.

Engelsman

August 11

Chicago, Illinois

Fisher

August 5

Minneapolis, Minn.

Ross

August 13

Boston, Mass.

Engelsman

August 13

St. Louis, Mo.

Fisher

August 7

Kansas City, Mo.

Ross

August 14

New York, N. Y.

Sparks

August 17

San Francisco, Cal.

Odegard

August 20

Seattle, Washington

Odegard

August 17

Dallas, Texas

Engelsman

August 17

Cleveland, Ohio

Fisher

CONFIDENTIAL

72

UNITED STATES SAVINGS BONDS - TOTAL

Comparison of July sales to date with sales during the
same number of business days in June and May 1942

(At issue price in thousands of dollars)
Cumulative sales by business days
June

July

May

:

:

:

sales

:

July

daily

:

:

Date

July as

:percent of June

:
:

July 1942
1
2

3

6

7
8

9

10
11

13
14
15
16
17

18

20
21
22

$ 28,418

$ 28,418

$ 29,539

$ 19,981

24,269
27,277

52,687
79,964

45,442
67,046

39,430
72,048

115.9
119.3

46,531
31,110
43,451
39,918
47,755
36,127

126,495
157,605
201,056
240,974
288,729
324,856

98,208
132,341
154,085
192,659
206,523
236,552

88,605
122,575
157,866
181,431
201,464
232,801

128.8
119.1
130.5
125.1
139.8
137.3

47,164
30,102
33,807
31,670
37,659
21,929

372,020
402,122
435,929
467,599
505,257
527,186

259,772
281,724
303,163
334,398
345,497
368,782

246,756
271,525
296,152
317,861
337,371
371,066

143.2
142.7
143.8
139.8
146.2
143.0

53,257
21,686
34,511

580,443
602,129
636,640

387,369
414,804
429,158

385,098
409,987
439,987

149.8
145.2
148.3

ffice of the Secretary of the Treasury,
Division of Research and Statistics.

96.2%

July 23, 1942.

ource: All figures are deposits with the Treasurer of the United States on
account of proceeds of sales of United States savings bonds.

Note: Figures have been rounded to nearest thousand and will not necessarily
add to totals.

CONFIDENTIAL

73

UNITED STATES SAVINGS BONDS - SERIES E

Comparison of July sales to date with sales during the
same number of business days in June and May 1942

(At issue price in thousands of dollars)

July

:

:
:

sales

June

:
:

daily

Cumulative sales by business days
May

:

July

:

:
:

Date

July as

!percent of June

July 1942
1
2
3
6

7
8

9

10
11

13

14
15
16
17

18

20
21

22

$ 15,821

$ 15,821

$ 19,834

$ 12,679

14,880
16,822

30,701
47,523

27,841
40,811

24,263
46,532

110.3
116.4

29,797
17,724
21,599
22,746
24,772
19,077

77,320
95,044
116,643
139,390
164,161
183,238

58,199
82,988
98,197
125,245
134,157
154,242

55,460
73,824
97,049
114,218
128,670
151,956

132.9
114.5
118.8
111.3
122.4
118.8

26,550
15,744
18,407
17,828
22,345
12,233

209,787
225,532
243,938
261,766
284,111
296,344

169,920
186,470
201,700
225,684
233,218
249,033

161,346
177,133
194,047
208,939
223,242
247,532

123.5
120.9
120.9
116.0
121.8
119.0

31,368
12,239
18,184

327,712
339.951
358,135

261,321
280,742
291,729

257,374
271,079
290,485

125.4
121.1
122.8

Office of the Secretary of the Treasury,
Division of Research and Statistics,

79.8%

July 23, 1942.

Source: All figures are deposits with the Treasurer of the United States on
account of proceeds of sales of United States savings bonds.

Note: Figures have been rounded to nearest thousand and will not necessarily
add to totals.

CONFIDENTIAL

74
UNITED STATES SAVINGS BONDS - SERIES F AND G COMBINED

Comparison of July sales to date with sales during the
same number of business days in June and May 1942

(At issue price in thousands of dollars)

June

:

July

:

:

sales

:
:

daily

Cumulative sales by business days
May

:

July

:

:
:

Date

July as

:percent of June

:

July 1942
1
1
2
3

6

7
8
9

10
11

13

14
15
16

17
18

20
21

22

$ 12,597

$ 12,597

$ 9.705

$ 7.302

9,389
10,455

21,986
32,441

17,601
26,235

15,168
25,516

124.9
123.7

16,734
13,386
21,852
17,172
22,983
17,050

49,175
62,561
84,413
101,585
124,568
141,618

40,009
49,353
67,414
72,366
82,310

33,145
48,751
60,817
67,213
72,794
80,845

122.9
126.8
151.0
150.7
172.1
172.1

20,614
14,358
15,400
13,842
15,314
9,696

162,232
176,590
191,991
205,833
221,147
230,842

89,852
95,254
101,464
108,715
112,279
119,749

85,410
94,391
102,106
108,923
114,129
123,534

180.6
185.4
189.2
189.3
197.0
192.8

21,888
9,447
16,327

252,731
262,178
278,505

126,048
134,062
137,429

127,724
138,908
149,502

200.5
195.6
202.7

ice of the Secretary of the Treasury,
vision of Research and Statistics.

55,888

129.8%

July 23, 1942.

ree:

All figures are deposits with the Treasurer of the United States on
account of proceeds of sales of United States savings bonds.

te:

Figures have been rounded to nearest thousand and will not necessarily
add to totals.

Sales of United States Bevings Demis
From July 1 through July 22, 1942

75

Compared with Sales Quota for Same Period

(At issue price in millions of dollars)

1
7

27

28
29

30
31

:

25

:

23

24

:

18.2

:

22

# 23.4

43.0

24.3
27.3

52.7
80.0

84.3
123.6

59.6
66.5
73.7
78.5

46.5

851

47.8
36.1

126.5
157.6
201.1
241.0
288.7
324.9

208.6
233.5
276.7
319.3
355.9
384.3

60.6
67.5
72.7
75.5
81.1
84.5

433.8
455.6
493.4
529.0
561.5
587.9

85.8
88.3
88.3
88.4
90.0
89.7

635.7
657.7
698.1
737.6
774.5
804.5

91.3
91.5
91.2

Qnota
64.9%

16.7
13.4
21.9
17.2
23.0
17.1

49.2
62.6
84.4
101.6
124.6
141.6

82.6
94.2
114.5
129.5
139.9
147.7

95.9

209.8
225.5
243.9
261.8
284.1
296.3

273.2
287.6
311.6
335.5
358.7
377.4

76.8
78.4
78.3
78.0
79.2
78.5

20.6
14.4
15.4
13.8
15.3

160.6
168.0
181.8
193.5
202.8
210.5

101.0
105.1
105.6
106.4
109.0
109.6

47.2
30.1
33.8

9.7

162.2
176.6
192.0
205.8
221.1
230.8

21.9

372.0
402.1
435.9
467.6
505.3
527.2

327.7
340.0
358.1

411.8
425.9
451.1
477.5
503.8
525.0

79.6
79.8
79.4

21.9
9.4
16.3

252.7
262.2
278.5

223.9
231.8
247.0
260.1
270.7
279.5

112.9
113.1

53.3
21.7
34.5

580.4
602.1
636.6

26.5
15.7

12.2

$ 25.4

Date

61.3
68.2
71.9
73.4
76.0
77.4

77.3
95.0
116.6
139.4
164.2
183.2

562.7
577.2
601.3
625.8
650.0

295.1
304.3
322.1
337.5
350.0

of

to

126.0
139.3
162.2
189.8
216.0
236.6

29.8
17.7
21.6
22.7
24.8
19.1

July 1
Date

36.4
50.6

16.8

Sales

to Date

Date

22.0
32.4

47.9
73.0

66.9%

Quota,

to

9.4
10.5

30.7
47.5

21

Daily

64.1
65.1

14.9

31.4

to Date

as s of :

July

$ 19.4

$ 23.6

20

17

Actual Sales

$ 12.6

$ 15.8

18

16

to

Sales

$ 12.6

$ 15.8

18.4
17.8
22.3
12.2

15

Date

:

14

:

13

Quota

:

11

Daily

to

1

10

:

8

9

:

6

:

3

:

2

Date

as x of :

$

Date

to

to Date :

:

to

July 1

Sales :

1

Daily

Quota,

Total
:

Date

Actual Sales
July 1

Series F and G
Quota,
Actual Sales
July 1
July 1

I

Series

60.4

64.0

112.8

31.1

43.5
39.9

31.7
37.7

66.06
62.5
64.7

857.8
881.5
923.4
963.3

1,000.0

July 3. 1942
Office of the Secretary of the Treasury, Division of Research and Statistics.
Source: Actual sales figures are deposits with the Treasurer of the United States on account of proceeds of,sales of
United States savings bonds. Figures have been rounded and will not necessarily add to totals.
Note:
Quota takes into account both the daily trend during the week and the monthly trend during the month.

76
UNITED STATES SAVINGS BONDS, SERIES E
TOTAL DAILY SHIPMENTS BY DENOMINATIONS FROM JULY 1 TO JULY 22, 1942

Denominations - Number of Pieces

Date of

:

$100

$500

:

:

:

79,590
94,404
80,760
82,647
163,951
106,000
89,212
117,122
121,615
118,591
109,750
156,626
91,600
138,080
109,552
60,200
57,130
82,850

78,344
93,481
79,220
89,767
160,712
115,461
112,623
107,512
135,412
98,816
102,000
152,361
107,800
124,232
98,646
98,900
93,272
92,000

2,256
3,068
8,320
8,475
24,510
15,039
7,807
5,508
5.062
6,314
7.775
12,270
13,010
8,378
6,052
4,150
11,947
6,535

10,382,616

1,859,680

1,940,559

156,476

2

3

6

7

8

9

10
11

13
14
15
16
17

18
20
21

22

ly 23, 1942.
MRL/kwk

MARK

:

$50

441,453
515,964
464,350
736,205
678,221
558,650
440,389
672,288
643,310
654,983
673,000
548,501
384,250
555,023
599,366
629,367
603,350
583,946

1

otal

:

$25

:

Shipment

uly

Total
Pieces
$1,000
2,527
3,510
3,565
2,235
13,894
3,790
5,816
5,967
15,649
8,528

604,170
710,427
636,215
919,329

1,041,288

9,885
10,035
9,777

798,940
655,847
908,397
921,048
887,232
902,525
884,293
616,615
835.779
823,393
802,502
775,734
775,108

159.511

14,498,842

10,000
14,535
19,955
10,066
9,777

77

July 23, 1942.

Dear Klessort

Your letter of July 22 evidently exceed
sine of July 21. telling you that an arrangement
was being made to transfer Nr. Goven to New York
in connection with the Lead-Lease work there.

I an very gind that this san be done.
Affectionately,
(Signed) Henry

Mrs. Treaklin D. Receevelt,
The White House.

via Secret Service Agent 7/24/42
5:25

GEF/dbs

-

78
THE WHITE HOUSE
WASHINGTON

July 22, 1942

Dear Henry:

I em enclosing a letter from Mrs.
Cowen. You will remember you gave her
husband a job in the Treasury sometime ago

at my request. Do you think it is possible
to have him transferred to the Lend-Lease
They seem to be very nice
program?

people and have nothing in the world but
his salary.
If you find that his work has been

satisfactory, I shall be grateful for anything you can do.

Affectionately,

Phason

they
a

job.

this
detect

a

penira

to tran

I

S.

CO.

L into solie 1 care hours but I cannot

ember any that looked a.s. hopeless as thos
ON

I

Eda Corveu
..

D. Bod 360

everal FO.

xyc

81

JUL 21 1942
Dear

I - returning the letter which you
enclosed with your note of July 14th, in
reference to Mr. Samuel Coven.

It will be possible to transfer
Mr. Cover to the New York office of the
Presurement Division and this will be
arranged.

Affectionately,
(Signed) Henry

Mrs. Franklin D. Receivelt,
The White House.

WNT:jo free Comm is 21320 reh
Original file NMC
Copy of file to Thompson.

By Messena Veach 4:12

7/21/42

82
TREASURY DEPARTMENT
INTER OFFICE COMMUNICATION
DATE
TO

Secretary Morgenthau

FROM

Mr. Thompson

July 21, 1942.

Cliff Mack advises that in reducing his Emergency Relief force

he is taking all possible steps to assist displaced employees to
acquire transfers to other positions. In New York he has been able
to take care of about 30 such employees by transfers to Lend-Lease

work. He can take care of Mr. Cowen in this way and will be glad to
arrange for his transfer to the New York office.

for

83
THE WHITE HOUSE
WASHINGTON

July 14, 1942.
Dear Henry:

The enclosed letter is
in reference to Mr. Samuel Cowen.

Would it be possible to have him
transferred to the New York Office?
I know he needs this employment.

Affectionately,

Than Research

July 7,1942

ear Mrs. Roosevelt:
Mr. Cowen came home to-night with

he news that the Newark O fice, Procurement Division,

& being closed as OI the end of this month and that

11 of the work of that office as well as of the en-

ire Eastern section, Pennsylvania, New Jersey andNew

ork would be carried on from the New York office, and
e Newark office employees would be out of work at
e end of this month.

Can you help in having him transferred to the
YW York Tice? The money he earns and that I receive
:01 your orders is the only income we have.
These will be more than anxious days until he
again placed. I will appreciate anything you can do
have hi placed.

Gratefully,

Fee Comen
CO Bort 360

eral P.O

ye

bit

85

July 23, 1942

My dear Captain:
Thank you so much for sending

me a copy of the letter from Captain
Ralph Davison to Mr. C. I. Stanton.

I am sure that as a result of

your efforts something will be done
at lastito make the New Hackensack

airport safe.

Sincerely yours,
N. Morganthes. IN

Captain J. L. MoCrea, USN,

Aide to the President,

The White House,
Washington, D.C.

Delivered by SS Agent 7/24/42 5:25

Original enclosure returned to
Capt MoGrea.

nmc

86
THE WHITE HOUSE
WASHINGTON

July 22, 1942
MEMORANDUM FOR THE SECRETARY OF
THE TREASURY.

Knowing your interest in the New
Hackensaok Airport, I take pleasure in

a letter

which forwarding has recently the attached been sent copy of by the

Bureau of Aeronautics to the Civil
Aeronautics Administration in connec-

tion with that airport.

-

Very respectfully,

John me an

/

Aer-PL-3-LG

N1-9(1-875)
A2-13(1)
NA6

Jul' 20, 1942
097190

My dear Mr. Stanton:

The assistance of the Civil Aeronautics Administration
is requested in obtaining improvement of landing and take-off
facilities at the New Hackensack, New York, civil airport.

This field is frequently used by transport planes of
the Navy in transporting high Government officials of this

country and of other United Nations on visits of Government
business to Hyde Park, New York. The pilots of these planes

report most unsatisfactory safety conditions for the landing of
multi-engine aircraft, particularly at night, due to the many
obstructions around the field together with lack of adequate
lighting of obstructions and of runways.
In a report submitted by the Commanding Officer,
Naval Air Station, Anacostia, and forwarded to this bureau by
the Naval Aide to the President, the following recommendations
for improvement of the field were made:

(a) Remove all obstructions for a distance of 1000
feet out from the end of each runway extended and to a
width of 200 feet on either side of the centerline of
each runway extended.

(b) Place red obstruction lights above all obstructions near the field in accordance with standard practice.
At present some of the obstruction lights are twenty to
thirty feet below the objects marked.

(c) Place standard flood lights at the head of each

runway.

(a) Surface the extension of the SE end of the SE-NW
runway.

Aer-PL-3-LG
N1-9(1-875)
A2-13(1)
NA6

097190

It is hoped that remedial action can be taken at an

early date to effect improvement in the reported dangerous
operating conditions at the New Hackensack airport, which

might so easily result in fatalities to important Government
officials as well as to naval personnel.
Very truly yours,

RALPH DAVISON

Captain, U.S.N.

Assistant Chief of Bureau

Mr. C. I. Stanton,
Acting Administrator,
Civil Aeronautics Administration,
Commerce Department,

Washington, D. C.

Copy to:

Capt. J.L. McCrea, USN,

Aide to the President,

CO, NAS Anacostia.

89

PLAIN

DM

London

Dated July 23,1942
REC'D 11:30 p.m.

Secretary of State,
Washington.

4099, twenty-third.
FOR THE SECRETANY OF THE TREASURY FROM CASADAY

The ChancEllor of the Exchequer made the following
announcement in the House of Commons yesterday:

"I, have to inform the House that the arbitration
between the Treasury and Messrs. Courtaulds Limited

in respect of the sale of the Viscose shares has been
concluded. The award of the unpire Mr. Justice Sirmonds

determines that the sun to be paid by the Treasury
to Nessrs. Courtaulds Limited in respect of the
Viscose share transferred by the company to the
government shall be £27,125,000 with interest at the
rate of 3 percent from March 1941 (the date when the
shares were transferred) to the date of payment. I
an informed that the directors do not propose to make

a distribution to the stockholders during the war
period of any part of the award above referred to.
In this they have the approval of His Majesty's
Government.

90

-2- #4099, July 23 from London.

Government. I am also informed that it has been
decided to invest the sun awarded in subscriptions
to current government issues.
The sum awarded 1sth greater than the sum realized

in the United States by the sale of the Viscose shares.
That sun was approximately L15,000,000 gross and

approximately 113,500,000 net after dEduction of
EXPENSES in connection with the transaction. The

House will remember that the transaction was an EX-

ceptional one, carried through in very special circunstances."

Asked whether the government is pledged to accept

the award "in view of the fact that the shareholders
in the company and many other American companies had

their shares requisitioned by the government at a loss"
Sir Kingsley Wood replied: "The Award is final". Asked
whether the nation will be told "why this company is to
have double value for its stock in comparison with
what the nation actually received". The Chancellor
of the Exchequer said that the circumstances WERE
EXCEPTIONAL, adding "the honorable gentlemen will

no doubt remember the need WE were in at the time.
It showed WE were determined to do our utmost to
realize

91

-3- #4099, July 23, from London.
realize resources for Expenditure in America. n
Sir Percy Harris asked on whose advice the

government acted originally in this matter. This

reference to the deal itself was the only reflection
in the questions following the announcement, of the

bitter attitude given wide expression at the time
of the deal (reported in the Embassy's despatch
no. 185 of March 31, 1941 and previous despatches

and telegrons) is. Another attitude towards the
matter found Expression in a question by a labour
member who asked whether the Chancellor is aware

"that this statement will cause a great deal of
disquist in view of the fact that he now proposes
that £13,500,000 more than has been actually received
by the Government should be paid to these shareholders
at a time when he is giving a parsimonious £1,000,000

to a large number of old-age pensioners?" In serious
press comment this morning there is a notable absence

of any tendency to hark back to the bitterness which

was frankly and forcefully expressed at the time of
the deal, the discussion of the announcement being

practically confined to opinion on the fairness of the
award itself, its effect on Courtauld shores and on the
future prospects of that company. Two EXCEPTIONS are
the DAILY HEIMID'S

-4- #4099, July 23, from London.
the DAILY HERALD'S headline "114,000,000 lost on

dollar deal" a bill which it said British taxpayers
would have to foot, and the DIILY MIRROR'S headline

"millions of your money". The award is considered on
the whole fair though commentators regard the sun as
by no means too high. The TIMES city Editor for Example

points out that "in their statement issued in June,
1941 the Courfigld's PT directors put the written down
QLTQ

value of the corporation's assets at 128,000,000

--this before adding anything at all for goodvill;
91 percent of this figure is $116,500,000 or nearly
$29,000,000. No specific Estimate was made by the

Board of the value of the goodwill of the American

2007
STYPS

business. But they pointed out that the prospects
of continuing and increasing prosperity for the
corporation with the largest home market in the
world TERCE real and substantial, and that at the
date of the sale an EXPENSIVE programme of plant
rEconstructi6n and expansion had not had tine to

bear fruit".
The FINANCIAL NE S characterizes the award as

"fair without being generous" also pointing out as
does the FINANCIAL TIMES that the sum falls short-

of any allowances for good will.
WIN..NT

92

93

PLAIN

DM

London

Dated July 23,1942
Rec'd 11:30 p.m.

Secretary of State,
Washington.

4099, twenty-third.
FOR THE SECRETARY OF THE TREASURY FROM CASIDAY

The ChancEllor of the Exchequer made the following
announcement in the House of Commons yesterday:

"I have to inform the House that the arbitration
between the Treasury and MESSRS. Courtaulds Limited

in respect of the sale of the Viscose shares has been
concluded. The award of the unpire Mr. Justice Sirmonds
determines that the sun to be paid by the Treasury
to liesers. Courtaulds Limited in respect of the
Viscose shares transferred by the company to the

government shall be £27,125,000 with interest at the
rate of 3 percent from March 1941 (the date when the
shares WERE transferred) to the date of payment. I
an informed that the directors do not propose to make

a distribution to the stockholders during the war

period of any part of the ward above referred to.
In this they have the approval of His Majesty's
Government.

94

-2- #4099, July 23 from London.

Government. I an also informed that it has been
decided to invest the sun awarded in subscriptions
to current government issues.
The sum awarded is greater than the sum realized

in the United States by the sale of the Viscose shares.
That sun was approximately $15,000,000 gross and

approximately £13,500,000 net after deduction of
EXPENSES in connection with the transaction. The
HOUSE will remember that the transaction was an EX-

ceptional one, carried through in very special circunstances."

Asked whether the government is pledged to accept

the award "in view of the fact that the shareholders
in the company and many other American companies had

their shares requisitioned by the government at a loss"
Sir Kingsley Wood replied: "The Award is "final". Asked
whether the nation will be told "why this company is to
have double value for its stock in comparison with
what the nation actually received". The Chancellor
of the Exchequer said that the circumstances WERE
EXCEPTIONAL, adding "the honorable gentlenen will
no doubt remember the need WE were in at the tine.

It showed WE were determined to do our utmost to
realize

95

-3- #4099, July 23, from London:
realize resources for Expenditure in America. n
Sir Percy Harris asked on whose advice the

government acted originally in this matter. This

reference to the deal itself was the only reflection
in the questions following the announcement, of the
bitter attitude given wide Expression at the time
of the deal (reported in the Embassy's despatch
no. 185 of March 31, 1941 and previous despatches

and telegrons) is. Another attitude towards the
matter found Expression in a question by C labour
member who asked whether the Chancellor is aware

"that this statement will CAUSE a great deal of
disquist in VIEW of the fact that he now proposes
that 113,500,000 more than has been actually received
by the Government should be paid to these shareholderss

at a time when he is giving a parsimonious L1,000,000
to a large number of old-age pensioners?" In serious
press comment this morning there is a notable absence

of any tendency to hark back to the bitterness which
was frankly and forcefully Expressed at the time of
the deal, the discussion of the announcement being

practically confined to opinion on the fairness of the
award itself, its Effect on Courtauld shares and on the
future prospects of that company. Two EXCEPTIONS are
the D..ILY HENALD'S

-4- #4099, July 23, from London.
the DAILY HERALD'S headline "114,000,000 lost on

dollar deal" a bill which it said British taxpayers
would have to foot, and the DAILY MIRROR'S headline

"millions of your money". The award is considered on
the whole fair though commentators regard the sum as

by no means too high. The TIMES city Editor for Example

points out that "in their statement issued in June,
1941 the, Courthuld's directors put the written down
value of the corporation's assets at $128,000,000

--this before adding anything at all for goodwill;
91 percent of this figure is $116,500,000 or nearly
£29,000,000. No specific Estimate was made by the

Board of the value of the goodvill of the American
business. But they pointed out that the prospects
of continuing and increasing prosperity for the
corporation with the largest home market in the
world were real and substantial, and that at the
date of the sale an EXPENSIVE programme of plant

reconstruction and Expansion had not had tine to

bear fruit".
The FINANCIAL NE characterizes the award as

"fair without being-generous" also pointing out as
does the FINANCIAL TIMES that the sum falls short

of any allowances for good will.
WIN..NT
KTI

96

97

COPY NO.

13

BRITISH MOST SECRET
US. SECRET

OPTEL No. 251

Information received up to 7 A.M., 23rd July, 1942.
1. MILITARY

EGYPT. Late on 21st and during night 21st/22nd fighting was resumed
in the central sector in the area of the RUWEISAT RIDGE. Early on the morning of
22nd we attacked on both the northern and southern flanks. Infantry and armoured

units were involved on both sides. Our troops have gained ground at certain points,
no details available.
RUSSIA. In the VORONEZH area the Russians retain the initiative and
are launching heavy attacks against the German bridgehead over the River DON.
German thrust towards the Lower DON has now reached that River east of the DONETS.
West of the DONETS the Germans are attacking towards ROSTOV from the northeast,
north and west.
2. AIR OPERATIONS

WESTERN FRONT. In the operations on night 21st/22nd over 550 tons of
bombs including 62 4,000 1b. and 137 2,000 1b. were dropped over DUISBURG. Good

fires were reported in the town and dook area.

22nd. Successful low level attacks carried out by four Bostons on a
power station and chemical works in HOLLAND. In addition fighters carried out five
harassing operations against ground targets, two Spitfires missing.
22nd and 22nd/23rd. Enemy aircraft operated on a very small scale,
one JU 88 shot down by fighters.

EGYPT. 20th/21st. 36 bombers attacked TOBRUK, starting fires in
dock area and on a ship. Mines were also laid off TOBRUK and MERSA MATRUH.

21st. Light bombers and fighter bombers effectively attacked enomy
M.T. and damaged or destroyed a substantial number of vehicles. Two enemy fighters
shot down and five of ours missing.
CRETE. Liberators bombed shipping in SUDA BAY and started fires on

two ships and on the pier, a near miss also made on one large ship.
MALTA. Between 1:22 P.M. 21st and 9:15 A.M. 22nd, nine enemy bombers

and a number of fighters were reported. Three enemy aircraft shot down and another
probably destroyed. Two Spitfires missing.

98

COPY NO.

13

BRITISH MOST SECRET
U.S. SECRET

OPTEL No. 259

Following
is supplementary resume of operational events covering
period 16th - 23rd
July, 1942.
1. NAVAL

H.M.S. WELSHMAN returned safely from taking personnel and stores to

MALTA. During her outward passage she was attacked by 28 aircraft in all, but in
spite of several near misses sustained no damage. On the return journey, after being
shadowed for 8 hours, she was attacked by a combination of 5 JU 88's and 15 Italian
torpedo bombers. She was narrowly missed by 2 bombs and 1 torpedo, but again 08caped damage. 2 Cruisers from NAPLES failed to intercept her. There were few convoys between ITALY and NORTH AFRICA but there are indications of a resumption of

this traffic on a large scale in the very near future. Shipments of iron ore from

BILBAO
andwere
neighbouring
increasing
lower in ports
June.to BAYONNE and BORDEAUX which have been continually

Attacks on Shipping. Shipping losses for first three wooks of

is made on both in the
show marked improvement over June. Provisional figuros for the wook ending 19th

July sunk in Atlantic by U-boats. The number of U-boats in Atlantic

increasing give 8 ships and attacks have bean convoys Eastern Atlantic the and
American zones. There are continued signs that the enemy has sent submarines to
West African waters. 13 attacks by surface craft on U-boats wore reported during
week and 20 by aircraft, 6 attacks were promising. 3 or 4 Japanese submarines were
operating in Australian waters and the same number off East Africa.
Imports in convoy into UNITED KINGDOM for the week ending 18th wore

362,000 tons, including 73,000 tons of oil. Imports for June amounted to 2,131,100
tons,
including77,900
food 1,083,200
tons, raw materials 970,000 tons, aircraft vehicles
and machinery
tons.
2. MILITARY

RUSSIA and EGYPT. All available information given in Daily OPTELS.
JAPAN. War against CHINA. Thore has been a rosumption of pressure
to the Northeast of KALGAN in SUIYUAN but so far there is nothing to indicate the
scale operations. To the South the

theiroperations
beginning
of large Japanese having completed
in CHEKIANG and NIANGSI may be withdrawing. WENCHOW changod hands

several times last week but it WILD re-occupied by the Japanese on the 18th July.
It has been reported that a Japanese Division has been withdrawn from Central CHINA

but its destination is at present unknown.

3. AIR OPERATIONS

WESTERN FRONT. A total of 83 bombers carried out daylight attacks
on objectives in North-West GERMANY. Bomber Command operated on nights against
DUISBURG and VEGESACK respectively. The former attack was made under good conditions,

the results of the latter raid were mainly unobserved. Very little enemy shipping

was sighted by Coastal Command Aircraft and no sinkings wore claimed.

MEDITERRANSAN. Our air operations continued on a large scale. Light
bombers and fighter bombers wore very active against objectives in the battle aron
particularly effective attacks on
losses
and
also made enomy landing grounds causing heavy
among Axis grounded aircraft. Fighters carried out numerous offensive patrols
intercepted formations of escorted dive bombers. Medium bombers and

concentrations
in roorbattle
of the front
at In the
Naval andbombed
successfully
Albacores
night.

and 2 day attacks 180 and 41 bombers raided TOBRUK

on 1,300 tons of bombs were in 3 wooks 22nd
Harbour aircraft course of 5 which night Wellingtons dropped heavy ending July. Enomy

were more active. Thoir bomber offort was directed chiefly against objectives
in
the
battle
area. Little bombing of back areas was attempted and no operations were
reported at ALEXANDRIA or in the CANAL ZONE.
MALTA. A total of about 50 bombers escorted by 150 Fighters attacked
the Island, the main objective being LUQA aerodrome.
c

SEA COMMUNICATIONS. Attacks against enemy shipping in the MEDITER-

LANEAN
were continued
and
the Western
Desert. in the IONIAN SEA and in the vicinity of the ports of CYRENAICA

99

-24.

EXTRACTS FROM PHOTOGRAPHIC AND INTELLIGENCE REPORTS ON RESULTS OF AIR ATTACKS
ON ENEMY TERRITORY IN EUROPE.

WILHELMSHAVEN. 10th. Photographs taken 13th, although poor, show
severe damage to two shope in the Deutsche Werke, the Armour Plate Shop and four

other buildings in the Marine Worke gutted, six or seven large sheds gutted at the

Bauhafen.

PARIS. At the Lorraine Dietrich Works 200 engines for fast motorboats and 52 aeroplane engines are reported to have been completely destroyed.
5. OPERATIONAL AIRCRAFT BATTLE CASUALTIES
METROPOLITAN AREA

British

In the Air

Bombers

24

Fighters

12

Constal
Army Co-Operation

4

2

Total

42

3 pilots are safe.
Destroyed

Enemy

Bombers

Probably Destroyed

4

Damaged

1
5
2

Total

2

7

Fighters

12

6

3

MIDDLE EAST (including MALTA

British

In the Air

Bombers

12

Fighters

33

Others

1

Total

46

One bomber crew, and four out of six of a second, and eight fighter pilots

are safe.

Destroyed

Enemy

Bombers

Probably Destroyed

13

32

9

26

Nil

1

Total

15

9

5

Fighters
Miscellaneous

Damaged

14

36

Of the above total 3 were destroyed by A.A.
NOTE: No account is taken of enemy aircraft destroyed on the ground

in any theater or of British Naval Aircraft casualties.
6. HOME SECURITY

Some damage to Hoffman's (Ball Bearings) and Marconi Works at

CHELMSFORD. Estimated civilian casualties for week ending 6 A.M. 22nd, killed 17,
seriously wounded 26.

100
SECRET

NUMBER 41

OFFICE OF STRATEGIC SERVICES

THE WAR

THIS WEEK
July 16-23, 1942

Printed for the Board of Analysts

Copy No. 6

The Security of the Treasury

SECRET

JULY 16-23, 1942

Office of Strategic Services

THE WAR THIS WEEK
The German offensive in southern Russia has now split
into two distinct operations-a drive down the Don toward
Stalingrad, and an encirclement of Rostov from three sides.
Meanwhile, in the face of strong Soviet counterattacks, the

Germans have with difficulty held the northern anchor of
the offensive, the Don bridgehead at Voronezh. Despite the
sweeping character of Nazi successes in general, some observers believe that the Germans may soon bring the first phase

of the campaign to a close in the interests of consolidation.
Time is a critical factor for both sides, and the German offensive
has now consumed more than a month of the fighting season.

The general view persists that in Egypt Rommel must
shortly resume the offensive or move back to a position where
his supply routes will be less vulnerable. Latest press reports

indicate a fresh British attack which may impel him to adopt
the latter course.

Advices from Vichy portray Laval as losing ground both
at home and with the Germans. Our chargé d'affaires at
Vichy believes that German action in support of Doriot or
an openly Nazi orientation of the Laval government may
soon precipitate a crisis in the relations of France and the
United States. Spanish troops are moving to the Canaries

and Morocco, it is reported, and soon nearly half of the
Spanish army will be overseas. On the other hand, Franco's
most recent speech made no fresh promises to the Axis.
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In the Far East, the Japanese have been withdrawing
troops and yielding some previously occupied areas in the

Chekiang theatre; and they have been developing their
positions in the western Aleutians at heavy cost. In Manchuria there is no significant fresh evidence of Japanese
preparations, but military authorities now believe that an
attack in eastern Siberia in the next few weeks is likely. In
India, finally, Nehru has expounded the Wardha resolution
as demanding an immediate extrusion of British rule, after
which the new India would welcome the aid of Allied armed
forces.

from the west-one toward Rostov and one toward Likhaya
(largely consisting of Italian troops)-now threaten to cut the
bulk of Timoshenko's army into three parts. Two of these
groups, those defending the triangle between the lower Don,
the lower Donets, and the Rostov-Likhaya railway, have

faced encirclement for several days now. In fact, the reported Soviet landing behind the German lines east of Mariupol probably represented an effort to relieve Nazi pressure on
this triangle. Some of its defenders may already have with-

drawn to safety. The third group, the troops south of the
Don, will doubtless retreat southward to join the Army of
the Caucasus-unless the Germans move sufficient forces
across the river to intercept them from the east.

Rostov Faces Encirclement

With the Russian admission of the loss of Voroshilovgrad,
it has become apparent that the Nazis are already closing in
on Rostov from the north and east. One attack has probably

pushed south from Millerovo to Kamensk, where the main
Moscow-Rostov railway crosses the Donets river. Moscow
now acknowledges that this thrust has reached the area of
Novocherkassk, only 20 miles from Rostov. Farther east,
another drive has apparently turned south (perhaps at
Migulinsk) and pushed across the Rostov-Likhaya-Stalingrad railway, striking the Don near Tsimlyansk, far below
the "great bend", and above the point where it is joined by
the Donets. This last operation has probably cut off the
defenders of Rostov from direct rail communication with
Stalingrad. Furthermore, the Germans now maintain that

The Nazi Timetable

"Slowed only by rainfalls," the eastern phase of the Nazi
offensive may now have progressed down the Don as far as
Yelansk, against what appears to be fairly weak Russian
resistance. Some observers believe that the Germans will

now drive straight for Stalingrad without waiting for the
fall of Rostov. Others maintain that difficulties of supply will
necessitate a pause for consolidation and regroupment before

the Nazis try to establish a bridgehead at the great bend of
the Don.

In any case there are certain signs that the German
offensive may be slowing. Allied air observers suggest that
the Luftwaffe may now be experiencing difficulty in moving

advance elements of this attack have crossed the lower Don
and turned west toward Rostov.

forward with the main offensive. Russian reports of the

Meantime, the Luftwaffe has been bombing Rostov from
the west, and, according to German reports, has destroyed

confirm this impression. During this period, the Soviet
communiqués claimed the destruction of 217 German planes,

the bridges over the Don. Simultaneous ground attacks

admitting the loss of 136 Russian aircraft. Compared to

number of planes shot down during the week of July 12-18

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Soviet claims for the previous week, these figures indicate a
decline in activity of about 50 percent.
The reduction of Rostov itself may be a difficult operation,
and any delay in the progress of the German offensive can

Even the capture of Stalingrad, however, might not entirely cut off Russian rail communication with the Caucasus.
A reliable report suggests that the Soviets have completed a

space are the prime factors. From the beginning of their
large-scale offensive-June 22-the Nazis had about five

railroad running along the west shore of the Caspian Sea
from Kizlyar to Astrakhan. Here, the report states, there
is a bridge over the Volga which links the new railroad with
a line running east of the river to join the main Russian net

months in which they might hope to complete the destruction

at Saratov.

scarcely fail to be of importance in a campaign where time and

of the Red Army. Already they have spent one month on
the current phase of their offensive-a phase that may not be
over for many days. Moreover, despite the success of the
German holding attack around Rzhev, there has not yet been

Action on the Egyptian Front

According to press reports a battle is now under way in

any indication of a major offensive anywhere north of the

Egypt in which the British are striking along all three sectors

Kursk region. In other words, about two-thirds of the

of the front. This attack is still in its preliminary stages,

Rostov-Leningrad front is inactive. Yet Allied observers

but there is the possibility that it may develop into a major

are almost unanimous in maintaining that the destruction of
the Russian army in the Moscow sector-estimated as including perhaps 40 percent of the Soviet forces on the Eastern

action.

Prior to this attack the desert stalemate had continued.
Both sides had established front line defenses behind which

front-would be the only way for the invaders to reach 8

they withdrew the bulk of their armor, and the week's

clearcut decision this year.

activity consisted largely of patrols, raids, testing actions,
and sharp fighting for the control of ridges in the northern
and central sectors. Contrary to press reports, last week's
fighting in the central sector was not a major engagement.

The Russian Position

Finally, there is some evidence that up to now the Russians
have not been losing men and equipment at the same critical
rate as in the great German encirclements of last summer and

autumn. According to one British source, the Soviet armies
have followed a new policy of withdrawal after a relatively

short period of active fighting. Such a point of view finds
confirmation in the comparatively small number of prisoners
that the Germans are claiming. Of course a successful encirclement at Rostov would entirely alter this picture. And
the fall of Stalingrad would severely limit the reinforcements
that the Russians could send to the extreme south.

Observers note that both sides directed their attacks against

opposing infantry, the British perhaps hoping to force
Rommel to withdraw his armor by whittling down its
infantry support. More than 4,000 enemy prisoners were
taken during the week following July 14.
Allied air forces have been giving close and effective support
to ground operations, in addition to continuing their attacks

on enemy supply lines, ports, and airdromes. Tobruk has
been especially heavily bombed. Although targets have
recently been more dispersed, it is stated that in one day
Allied aircraft destroyed 23 tanks and 59 artillery pieces.
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Light units of the Royal Navy have three times returned to

shell Matruh, which Rommel is using as a forward depot
supplied by coastal shipping. During June there was a
marked increase in the rate of sinking of shipping going between Italy and North Africa.
Opinion as to the Next Turn in the Battle

Military observers have felt that the stalemate could not
continue indefinitely, that probably within a fortnight Rommel would either strike or be forced to fall back to positions
where his supply lines are less exposed. The key question is

one of reinforcements. Auchinleck has received and is
expecting further troops and armored equipment, and is
believed to be numerically superior in men, tanks, guns,
and planes.

The Axis has probably been resting and regrouping its
forces behind its forward lines. There is some doubt as to
whether large German air or land reinforcements are avail-

able for Rommel, in view of the unexpectedness of his
advance into Egypt and the size of German commitments in

Russia. A limiting factor on air reinforcements may also
be lack of fuel and servicing facilities in western Egypt.
It is believed, however, that Rommel has received some air
replacements, and that several thousand Germans will have
been flown to Egypt by the end of July, in addition to Italian
reinforcements arriving by boat. Rommel's supplies appear
to be adequate, and his efficient tank recovery system may
have established a tank reserve.

Reports of Axis troops moving into the Greco-Aegean ares
persist, and some observers continue to speculate about an

Axis attack on Auchinleck's weakened Syrian flank. No
signs of immediate preparations for such an assault are evident, however.

Near Eastern Tensions

The Near East continues to be relatively quiet. Observers

feel that the Egyptian king and his people will continue a
cautious policy pending a decisive turn in the battle. In the
Lebanon there have been minor bread riots, apparently
instigated either by local interests or outside agents. At the
same time the government of Iran is reported to be frantically
trying to locate wheat supplies to tide over the critical period
between now and August harvests. Meanwhile Rashid Ali,
the exiled premier of Iraq, was received by Hitler and Ribbentrop, according to a DNB despatch.
In Turkey it is expected that Numan Bey, who has been
very cordial to American representatives at Ankara, is to be
appointed foreign minister, as soon as he has been elected a

deputy, as the constitution requires. The Turkish government, also facing a critical wheat shortage, has raised by
50 percent the prices it will pay for cereals in 1942. Shipments of wheat are to be given first priority, even ahead of
war material. The Nazis are reported to have promised
Turkey some badly needed rolling stock and locomotives,
despite Germany's own tight transport situation.
Laval Loses Ground

Laval has lost considerable ground in recent weeks according to the American chargé d'affaires at Vichy. While alienat-

ing elements in France by his expressions of hope for a
German victory, Laval has in large measure failed to satisfy

Nazi demands for collaboration. The German army and
the SS are said to be backing Doriot. This situation has
already brought about a new understanding between Laval
and Deat, whose Rassemblement National Populaire now
supports Laval and may join Laval's Legion. Our source

feels that a crisis-even a rupture-in Franco-American

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7

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relations may shortly be precipitated, either by German

German Influence in French North Africa

action in support of Doriot, or by an openly Nazi orientation
of the present government, springing from Laval's tenacious
desire for power. Continued German victories will tend to
accelerate this tendency in France.

In Casablanca control of commercial vessels arriving in
the port has been initiated by a German Commission, whose
"arbitrary" manner in exercising the control is reported to be

causing considerable annoyance to ship officers. Vichy

One of the principal German complaints is Laval's failure
to produce more than about 20,000 workers in the current

defended its action in meeting the German demands for this
commission by stating that it wished to avoid any difficulties

campaign (despite larger Vichy claims to the contrary).

with Berlin that might imperil the "important" economic

Labor conscription appears inevitable and Laval is said to be
preparing already to draft some affectés spéciaux.
Minority groups in France are being made the scapegoats
of Laval's policy of collaboration. He seems to be discussing

agreement with the United States. At the same time material drawn from intercepted letters reveals increasingly close
control of all movements in North Africa by Axis personnel,
whose numbers seem to be steadily growing.

with the Nazis the idea of sending as many as 100,000 Spanish

Republican refugees from France to work in Germany; and
many of those who have already departed were unskilled

Czechs, Poles, Belgians, or North Africans-only a small
fraction consisting of skilled French workers. Renewed
demands on the part of Rome and Berlin for the return of
political refugees from France are reported-demands to
some of which Laval has already yielded. At the same time,
the situation of the Jews in France is becoming worse each

day. New restrictions against their appearance in public
places have been followed, according to one informant, by
an order that some 15,000 Jewish males be rounded up for
work in eastern Poland and western Russia.
Bastille Day brought forth widespread demonstrations
throughout the unoccupied zone. In Nice it is reported that
about 4,000 participated by singing the Marseillaise and
shouting "vive de Gaulle, vive les Etats Unis, vive l'Angleterre," while from other cities came word of demonstrations
with great crowds shouting "down with Doriot the traitor"
and "down with Laval," according to unconfirmed reports.

Spain and Portugal

Reports indicate that Spain is planning to send at least
25,000 troops to the Canaries and Morocco, of whom more
than 1,000 have already left. When all present troop movements are completed, almost half of the Spanish army will be
overseas. At least one observer believes that the program
is German inspired, for the purpose of closing the Straits and
seizing Casablanca if Egypt should fall.
On the other hand, it is apparently believed in Lisbon that
the Axis does not intend to draw Spain and Portugal into the
war. Portugal has nevertheless had to accede to German

restrictions confining Portuguese shipping to the United
States to the port of Baltimore. Franco in turn, in a recent
speech announcing elections for the new Cortes (the majority

of which will presumably be stooges), attacked outworn
liberalism and cited Bolshevism as the great threat against
which Spain, if necessary, might again crusade. But the
Caudillo avoided making any promises to Berlin and praised

Spanish neutrality, adding the warning that Spain could

8

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raise an army of three million men. His position fitted
general policy pattern that seems to prevail in the Latin bloe

-Pétain, Franco, Salazar and the Vatican- policy of conservatism and non-belligerency looking forward to a negotiated peace, after which the bloc would emerge as the counterweight in Europe.

Optimistic Note in China
The slackening of Japanese pressure and the bombing of
Hankow and Canton by American air forces appear to have

added a mildly optimistic overtone to current public opinion
in Chungking. A member of the Chinese foreign office is
reliably reported to have said that popular belief in eventual
victory is as strong as ever, and that talk of a negotiated peace

Japanese Withdrawals in Chekiang and Kiangsi
In China it now appears that the Japanese are in the proc-

ess of relinquishing at least a part of their recent gains in
Chekiang and along the Chekiang-Kiangsi railway. Chungking announces that Chinese troops have reoccupied several
cities along the are which the Japanese had extended through

Chekiang Province-Chien-te, inland rail center southwest
of the Japanese base at Hangchow; and Jui-an and Ch'ingt'ien, in the southeast. The Japanese evidently still hold
Wenchow at the southeastern extremity of the are. Chinese
troops, according to Chungking, have also recaptured Hengfeng and I-yang in Kiangsi, thus regaining at least temporary

control over a fifteen-mile stretch of the Chekiang-Kiangs

railway.

Japanese withdrawal of forces from these areas is the chief
explanation for the Chinese successes. Chinese reports indicate that Japanese troops taken from the Chekiang-Kiangsi

sector are destined for service in Inner Mongolia or Manchuria, although there is also some possibility that the Japa-

nese may be simply redistributing and reorganizing their
troops in China, perhaps preliminary to a thrust against
Changsha. In Central and North China, three independent
brigades recently were expanded to divisions, and a reorgani-

zation in any case appears to be already in progress.

10

is absurd. There is a strong feeling that China needs more
help, particularly planes, according to this official, but even
if China fails to obtain these, she will continue as before.
Inflation and military defeats have not been causes of particu-

lar anxiety, and the Chinese are fully expecting that the
Japanese will soon attack Siberia.
Nehru Explains the Wardha Resolution

In two interviews with an American representative at New
Delhi, Pandit Nehru has made it abundantly clear that the

Wardha resolution of the Congress Working Committee
admits of no compromise with Great Britain. Even if the
British should grant the demands put forth by the Congress

at the time of the Cripps mission, it would not be enough,
Nehru believes, since those proposals were merely a temporary expedient in the face of the Japanese invasion menace.

Furthermore, since that time, Indian hatred for the British
has increased greatly, Nehru declares.

This hatred, in the Pandit's opinion, threatens to make of
India another Burma, inasmuch as British policy is creating

pro-Japanese sentiment all over the country. The only
way to stop the growth of this feeling, which Nehru deplores,
is to launch such a campaign as the Working Committee has

now proposed. That is the ethical justification for a movement which, viewed superficially, might seem to interfere
11

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with the Allied war effort. In any case, Nehru concludes,
the campaign would interrupt war activities only brieflysince its results would not long be in doubt.
Concretely, what the Congress demands is the formation of

an Indian provisional government by representatives of all
parties. In turning over their powers to this government,
the Viceroy and the provincial governors would be obliged to

withdraw immediately. Minor officials, however, would
remain, and their removal would occur only gradually-to
obviate the dangers of a sudden administrative revolution.
The new Indian nation, in Nehru's view, would assume Britain's obligation to the princes. But an upsurge of Indian
patriotism among the inhabitants of the native states would
probably soon force the princes to join the new union. As
for the Allied troops now in India, a free India would not
demand their withdrawal, but on the contrary would welcome

their aid. To the commander-in-chief of the United Nations
forces the provisional government would give unstinted
cooperation.

be at the mercy of the Hindus. According to Gandhi,
however, Jinnah has failed to reveal just what he means by
Pakistan. An American observer on the spot suggests that

this vagueness is an intentional maneuver. Pakistan is
essentially a bargaining point, and Jinnah cannot be expected
to reveal what it really implies until he has extracted the last
ounce of concessions from the Congress and the British on

this issue. Furthermore, he is probably not anxious to display before his own followers the economic drawbacks of the

scheme-that is, the separation of such deficit areas as
Baluchistan, the Northwest Frontier Province, and Sind
from the central government of India, on which they are
financially dependent.

In short, Jinnah can be relied on to oppose the Wandha
resolution root and branch-since it calls for an immediate
British withdrawal prior to a Hindu-Moslem settlement. As
for the British, confidential advices suggest that the Viceroy's
Council will take no action before the meeting of the All-

India Congress Committee next month. Meantime, the
Viceroy has apparently referred the whole issue to London

The Pitfalls of Pakistan
As for the Moslem issue, Nehru declares that the Congress
leaders can reach an understanding with Jinnah in two days,

if the British do not interfere in the negotiations. Such 8

for decision.

Significance of Brazilian Government Changes

Colonel Alcides Gonçalves Etchegoyen has now replaced

point of view is similar to that of Gandhi, who feels that the
withdrawal of the British should precede a Hindu-Moslem
settlement; so long as the British remain, they will be able to
pit the two communities against each other on the principle
of "divide and rule."

Felinto Muller, recently removed as chief of police in Rio
de Janeiro. Colonel Etchegoyen is a popular Army officer

Jinnah, on the other hand, fears that an abdication of the
British Raj before the establishment of Pakistan-a separate
Moslem state-would mean that the Moslem minority would

Two members of the cabinet have resigned-Lourival Fontes,

whose sympathies are definitely pro-Ally but whose previous
career has not brought him into the public eye.

This is one of a series of recent government changes.
as minister of press and propaganda, long known for his
pro-Nazi sentiments; and Francisco Campos, as minister of

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justice, who is also pro-Nazi. Major Coelho dos Reis now
has the former post, while the latter has been placed temAPPENDIX I

porarilyofunder
minister
labor.the jurisdiction of Marcondes Filho, the

STRENGTHENING THE GERMAN WAR ECONOMY

In general it is felt that these changes notably benefit our

position in Brazil, although there is some difference of
opinion regarding the new minister of press and propaganda.
Although it is said that Aranha approves the choice, the fact
remains that Major dos Reis was the former right hand man
of the minister of war, General Dutra, one of the members of
President Vargas' cabinet who long opposed the cooperation

of Brazil with the United Nations.

During the present year the Germans have carried out fundamental changes
affecting economic output, organization, and control, according to a study of the
Economics Division made in collaboration with the Central European Section of
the Office of Strategic Services. These changes have come gradually and unsensationally, but taken together they form the most significant mutation in the
German economy since the war began. Impelling reasons were the miscarriage
of plans in Russia and the entry of the United States into the war, which has now
turned from a series of short campaigns-interspersed with periods of economic
recuperation-to an enduring conflict.
Manpower shortages have precipitated the changes. The minimum goal is
presumably the maintenance of past output, even in the face of a new draft on
industry of two to three million men to replace losses on the Eastern Front.
maximum goal might aim to increase production for a war on two fronts.
The measures taken undoubtedly reflect a considerable degree of economic
strain, and they will leave no appreciable slack in the German economy if they
prove successful. But no basis exists for concluding that the Nazi economy must
soon collapse, or even that the present scale of the peak effort will soon be reduced.
Future efforts to obtain really large increases in output will necessarily be confined
to European areas outside the Reich.
These changes have been accompanied by no noteworthy evidence of friction
among the three chief power-wielding groups concerned. The Nazi Party, in
executing the economic reorganization program, has retained and consolidated
its position of leadership, but it appears also to have received the full cooperation
and support of the army and the industrialists.

A

Five Categories of Changes

The measures taken fall into five main categories designed (1) to increase
efficiency and production in the armament industry: (2) to maintain output with
& reduced labor force in basic industry and civilian manufacture; (3) to simplify
administrative organization and procedure; (4) to coordinate all labor-saving and
recruiting activities; and (5) to conserve food stocks.
Agriculture, which was already highly centralized, does not appear to have
been the subject of special attention, although attempts have doubtless been
made to increase the supply of prisoners and other foreign labor used in the fields.
Last April's reduction in rations probably reflected the impossibility of increasing
food supplies within the next year.
1. The Armament Industry

Administrative Control, Various measures over a period of six months have
brought the armament industry finally under full control of the newly appointed
Minister of Armaments and Munitions, Albert Speer, the successor to Todt and
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a trusted party member. One of the latest and most significant in this

direction was taken when the regional Armament Inspection Bureaus and
ment Commands, formerly under the Supreme Command of the Army, Arms
transferred to Speer's Ministry. Speer also has assumed great influence
field of labor. The important labor "Combing-out" Commissions (Prifungate)
len) operate under his authority. Perhaps most significant of all is the concesstration and unification of control over armament production, accomplished by
establishment of committees of technical experts (Hauptauschusee) for each of
the major armament products. These committees are designed to hasten efforts
to nationalize production and to see that technical information is exchanged
between
plants. They are coordinated by a new Armament Council, and all
operate under Speer's direction.

Contract System. A new contract system for armaments items has been
instituted, favoring competitive prices. Formerly, a relatively unrefined version
of the "cost-plus" principle appears to have been used. Under the new system,
all producers of a given article are classified into not more than five groups, based
on relative efficiency as reflected in costs of production. A uniform price is
fixed within each group, so that there can be from one to five group prices for
every armament item. The uniform price is determined by the costs of production of a relatively efficient firm in each group, hence less efficient firms in the
group face sharply curtailed profits or financial loss if they do not lower their
costs. The fate of firms which consistently produce at costs higher than the
group price is not known, although the alternatives would seem to be bankruptcy

or being closed down.

A further incentive to efficient production is provided by making it advants
geous for businesses to move up the scale to Group I. Firms in this group are
not subject
to the excess profits tax, and they are given priority with respect to
labor
and materials
'Protection of the Armament Industry." A decree of March 21, 1942 "for the
protection of the armament industry" increases the penalties (to include death)
for any person who makes incorrect statements regarding needs for manpower or
supplies of essential raw materials and machinery. Excessive requests-antic
ipating cuts by the Allocation Boards-appear to have become all but universal
While the decree does not constitute a new approach, the penalties are more
severe than formerly, and clearly are designed to tighten administrative control
At the same time, an effort is made to end the "paper-work war" which had
resulted from the mutual distrust of business and governmental bureaucracies
2. Output of Basic Industry

Concentration of Production. In basic industry, and especially in civilian
manufacture where there is extensive idle plant capacity, an intensified effort is
being made to concentrate production among the most efficient producers. Concentration of production has long been a part of Nazi economic policy, but the
new need for manpower has given it impetus. Nazi leaders cite the case of the
cigarette industry, where output per worker per day varies between 4,000 and
25,400 as among small-scale producers and certain large-scale and highly mecha-

nized firms. By concentrating production in the latter, they point out, the number
of

workers employed in the industry can be reduced by 22 percent (12,500

The tobacco industry offers a relatively favorable example. Although similar
conditions probably exist in other consumers' goods industries, employment
already has been reduced to a low level. It is probable that the actual saving in
manpower in this sector of the economy will be small. In heavy industry, the

more efficient firms probably are producing at capacity already. However,

intensified efforts to concentrate production in the most efficient plants doubtless
will economize some further manpower. In addition, the long-term process of
financial amalgamation and combination of large concerns seems to be moving
more rapidly, both in Germany and, under German control, over most of the
European Continent. In many cases this development prepares the way for
actual physical integration of formerly independent units and aims, therefore, to
speed up the processes of concentration.

3. Simplification of Economic Structure

Administrative Machinery. Simplification of the administrative machinery for
control of prices, markets, raw material allocations, and other general economic
activities is expected to result in increased efficiency and a saving of manpower.
Existing trade organizations, cartels, and syndicates for certain industries are
being abolished and their place is being taken by Reich Associations (Reichsuereinigungen). The functions of these associations are far-reaching: they regulate
"market conditions" by drawing up production and import plans; establish sales
quotas; fix prices; and in some instances have taken over the allocation of raw
materials-formerly the function of the Reichsstellen. The Reich Associations are
designed to form the nucleus for the European post-war economy, and in a few
cases seem already to have extended their influence over allied industries in occupied and "friendly" countries.
While the German press hails the reorganization as an increase in self-administration in industry, pointing to the fact that the heads of the associations are
leading industrialists, these high officials nonetheless must be approved by Nazi
functionaries The associations actually are administrative instruments designed
to carry out state-determined policy.
Decrease in Government Personnel. Simplification of administration, and
reorganization of the complicated structure of industry and trade organizations, is
expected also to relieve the overburdened Germany bureaucracy, whose personnel
has been cut about 40 percent by heavy drafts for the armed forces. All postwar planning and administrative activities not directly connected with the conduct
of the war have ceased. In addition, it is expected that these changes will greatly
reduce the amount of existing paper-work, in so far as they eliminate duplication
of offices and overlapping functions. The result will be relief for the personnel
of both industry and government.
4. Measures Relating to Labor

Centralization of Labor Control. Administration of labor has been further
centralized under Fritz Sauckel, former party Gauleiter of Thuringia and high
SS officer, who was appointed Commissioner General for Labor in March, 1942,

16

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to work in close cooperation with Speer. He is charged with the "combing out"
of men from industry, and will be required to relate this process with measures
to raise industrial efficiency in such a way that production will not suffer. He
is also expected to obtain increased supplies of labor from domestic and foreign

APPENDIX II

RUBBER-THE UNITED NATIONS AND THE AXIS
REVERSE POSITIONS

sources.

Sauckel has various agencies at his disposal. He has appointed the Nazi Party
Gauleiters to newly created posts of Gau Controllers of Labor Allocation, to act
as his watchdogs alike over officials, businessmen, and workers. Existing organizations dealing with labor problems have been placed at his disposal, and various
intensive campaigns to recruit new workers and speed up production are under
way. Compulsory methods of recruitment already are being introduced is
certain of the occupied countries, and these measures are likely to be extended
5. Conservation of Food Stocks

Reductions in Rations. Germany entered the war with an elaborate and highly
organized agricultural control mechanism, centering in the Reich Food Estate
(Reichandhstand). This estate, established as early as 1933, regulates every
aspect of agricultural production and distribution. The only present change
affecting this control mechanism was the recent replacement of its director,
Albert Darre, a party member since 1930, by Herbert Backe, a former Secretary
of State.

Tightening up in this sector took the form on April 6 of substantial reductions
in the food rations. It was apparent that administrative changes alone could
not at this time remedy the food problem. Early indications of poor crops
through most of Europe and the failure of plans to expand agricultural output
in the European area outside Germany seem to have provided the immediate
motivation for the reduction. The new ration levels, however, will tend to keep
consumption in line with the longer-run supply outlook. Even at this lower level,
rations are nutritionally adequate, especially for the major categories of workers.

The Japanese conquests and the careful preparation for war of the German
Wehrmacht have in effect reversed the respective rubber positions of the United
Nations and the European Axis. Now that the main rubber-producing regions
of the world are in the hands of Japan, the availability of crude rubber to Axis
Europe is limited only by the amount of merchant shipping at their disposal, and
by their ability to run the blockade. The British believe that blockade-running
has assumed considerable proportions and that the Germans have succeeded in
running through at least 25,000 metric tons of crude rubber in the first six months
of this year. At the same time, the German synthetic rubber program has reached
the point of large scale production, and can in itself supply more than half of the
European Axis requirements. Since additional capacity for synthetic rubber is
under construction, production may be expected to expand even further in the
next year.

The United Nations, on the other hand, and especially the United States, are
in the unhappy position of having lost their principal source of rubber, and of not
yet having solved the problem of alternative sources of supply. The synthetic
rubber program, in spite of discussion and planning in the last two years, is still
in its infancy and cannot be expected to contribute in any notable degree to our
rubber supply until next year. In the meantime, the United States is dependent
mainly upon its stockpile of crude rubber and at the same time is expected to

contribute from this supply to the military requirements of the other United
Nations. Fortunately, our stockpile of crude is considerable, while that of Axis
Europe is believed to be reduced to almost nothing.
Azis and Allied Positions Compared

In comparing the rubber position in the United States and Axis Europe, two
considerations must be taken into account: (1) normal consumption of rubber
is on a very different scale in the two countries, and (2) consumption of rubber
by motor vehicles for essential civilian transportation in the United States is on a
scale unknown in any other country. For both reasons our civilian consumption
cannot be cut to anything like the level to which it has been reduced in Axis
Europe, without disrupting the economy.
A comparison of the respective positions of Axis Europe and the United States
in 1942 follows:

18

19

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Aria Europe

Supply:

United

State

(In thousands of

Synthetic production

135

Crude imports:

Western hemisphere

Total imports

50

270
5

Africa

10

?

Far East

23

10

55

gressed to the point where they have at least two large-scale units (at Huls and
Sehkopau) and five small units operating in Germany proper, with five small
units in the occupied and other Axis countries. There are various reports, as yet
unconfirmed, that some twenty-six other plants are either operating or being
constructed. Undoubtedly Germany has planned sufficient synthetic expansion
to take care of almost all her requirements, although blockade running may
reduce the need for carrying out this expansion.
Our own synthetic program has been hampered by a number of factors, such

290

TOTAL SUPPLY

190
313

Consumption:
194

TOTAL CONSUMPTION

Stocks of crude:
On hand 1/1/42

0

Industrial and civilian requirements

229

125

30
149

224

503

will be derived from alcohol. WPB estimates that nearly 400,000 tons will be
available by the end of 1943, and that we will be producing at the rate of 800,000

0

Military requirements
Foreign requirements

as competition of interests, shortages of strategic materials for plant construction,
and so on. Among these factors, the controversy over the chemical process to be
used (alcohol VS. petroleum) has recently assumed prime importance. Butadiene
has been made successfully from alcohol for years in Russia, though the process
is not as well known in this country as that using petroleum. Whatever the merits
of the controversy, in which the adherents of the alcohol process claim that their
method is simpler chemically and could be set up for large-scale production more
quickly, our synthetic program is now fixed at 800,000 tons annually, the majority
of which is to be derived from petroleum. Perhaps a quarter of the total amount

538

Estimates based to a considerable degree upon data from the British Ministry of Economic Warfare
Figures from War Production Board
Including all kinds of synthetic rubbers

Industrial and civilian requirements will be met in part from production of reclaim rubber, not shown
above.

Axis Blockade Running

No imports into the United States from the Far East are expected in 1943, and
only some 30,000 tons from Africa and the Western Hemisphere. The production of Ceylon and India, if still available, will go to Great Britain. Far Eastern
imports into Axis Europe, however, may well increase, unless blockade running
can be stopped. If Germany conquers the Near East and makes a junction with
Japan, the Axis rubber problem will be solved.
Even though Germany fails to join hands with Japan, sufficient ships are available for blockade running on a greater scale. Japan has requisitioned about
300,000 tons of ships in the Far East, distributed as follows-German, 19 ships;
Italian, 15; and French, 24. Although it is not known specifically how many of
these ships are available to the European Axis, sufficient tonnage certainly exists
to fill the Axis needs for crude rubber. The route used by most of the blockade
runners appears to be through the South Pacific, around the Horn, and across
the South Atlantic to a West African port (Dakar or Casablanca), a route very
difficult for the United Nations to patrol, even if air and naval equipment were
not needed elsewhere.

American and German Synthetic Programs

tons per year by the end of 1944. If the program is achieved on schedule, our
rubber problem will be largely solved in two years' time.
Stockpiles and Scrap Utilization

In the meantime, we have a crude stockpile on which to draw, one which is
sufficient for two years' military consumption, or about one year's normal peacetime consumption. We likewise have an annual reclaim capacity of about
400,000 tons. Since only crude has been accepted as suitable for military and
foreign requirements, our present program envisages withdrawals from our
stock of crude this year and next, coupled with severe civilian rationing and
greater utilization of reclaim rubber. The voluntary scrap drive has been disappointing in its results, but additional scrap undoubtedly exists which could be
requisitioned by the government, as well as the tires on many of our 30,000,000
cars. We are now riding on our principal stock of scrap. The Germans have
already requisitioned tires throughout Occupied Europe.
The fact that the Germans have little or no stockpile, and may be drawing to
the end of available scrap supplies in Occupied Europe, has spurred them to
expand their synthetic production, and run crude through the blockade. Without
success in these two factors, their 1942 position would be considerably worse than
that of the United States, since they have long since economized on rubber uses
as far as possible without producing disruptive effects. We in the United States
have not yet carried our economies that far. If blockade running could be eliminated and the two main synthetic factories in Germany permanently put out of
action by aerial bombing, the contrast between the Axis and United States rubber
positions would be turned in favor of the latter, and there is also little doubt that
the Axis military machine would suffer.

United States synthetic rubber production is now in the preliminary, experimental stage that German production reached in 1938. The Germans have pro20

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APPENDIX III

THE UNDERGROUND MOVEMENT IN AUSTRIA
Loosely organized and relatively cautious in action, Austria's underground
movement nevertheless has managed to survive, according to recent reports
received from a source whose information is considered very reliable. The
groups from which the movement receives its chief strength are the former trade
unions
and the Socialista-the latter now calling themselves the "Revolutionary
Socialists."
Both trade unions and socialists were forced underground initially by the Dollfuss regime in 1934. Following Austria's annexation in 1938, the clandestine
trade unionists were obliged to abandon any attempt at contralized organization
and cling to their fectory units. Inter-union contacts are limited to near-by
factories, and sometimes even the maintenance of contacts within a factory
involves incredible difficulties. In some munitions works, women in different
departments have been forced to wear different colored dresses, to facilitate the
efforts of supervisors to prevent unauthorized movement within the plant.

The Socialist units, like those of the trade unionists, work more or less on
their own, but with a thin network of cells forming a tenuous district and area
organization.

Activities of the Revolutionary Socialists are very limited, and for the present
are relatively harmless. No activities are undertaken which might endanger the
existence of the underground movement, which the Socialists wish to safeguard,
feeling that revolutionary mass action can take place only after the Germans
have suffered decisive military defeat.
Meanwhile the Socialists engage in propaganda activity: so-called "Schmieraktionen" or "splashing expeditions" -painting hasty slogans and symbols on walls

and pavements; or "Streuaktionen"- scattering small propaganda leaflets.
When Nazi orators are speaking, the Socialists occasionally manage to break up

a meeting by the uninterrupted shouting of the Nazi alogan, "Sieg Heil," our
informant notes. Organized market brawls are started by small women's groups
who vociferously dispute with each other about the food situation, promeers,
war victims, and the hopelessness of the war.

Organization and Functions

In many of the larger factories, particularly the metal works, underground
unions are represented in every workshop, and there are executive committees for

the whole factory. Dues and subscriptions are regularly collected and the funds
properly administered A wage dispute in one such factory resulted in selection
by the underground of a slate of delegates whose election caught the employer
completely by surprise. When he refused to deal with them and the Deutache
Arbeitsfront threatened to call in the Gestapo, the underground union provided
400 marks each for the five delegates in case they should suddenly need it.
In the past the factory groups have concerned themselves chiefly with mutual
aid and support, especially in caring for relatives of imprisoned workers. More
recently, longer working hours, unpaid overtime, wage reductions, and generally
harsher working conditions have led to occasional open conflicts, with outspoker
and vigorous protests. There have even been some short strikes, limited to ,
single department in a given plant. In general, however, our source believes that
the strength of the underground trade unionists should not be overestimated-

they are valuable primarily in maintaining the fighting spirit of the industrial
workers in individual factories, at a time when no legal trade union movement

possible.

The "Revolutionary Socialists"

After the suppression of the Social Democratic Party by Dollfuss, the Revo
lutionary Socialists formed strong underground mass organizations. With the
advent of the Nazis, the Revolutionary Socialists themselves put an end to the
mass character of the movement, organizing instead a limited number of small
"conspiratorial centers," led by new militants unknown to the police. These
new trade organizations are factory "cells," and while they are separated from the loose

union groups, some members participate in trade unionist activity as well
22

23
U.S. GOVERNMENT

101

July 24, 1942

9:30 a.m.
GROUP

Present: Mr. Bell

Mr. Sullivan

Mr. Graves

Mr. Buffington
Mr. Gamble
Mr. Thompson

Mr. Paul
Mr. Cairns
Mr. Blough
Mr. White

Mr. Odegard
Mr. Schwarz

Mrs. Klotz

H.M.JR: Norman? I thought we might all get

acquainted again.

MR. THOMPSON: General Lewis has indicated that

he would like you to visit the Morgenthau barracks
some time.

H.M.JR: Is that on his own?
MR. THOMPSON: That is on his own, yes. It came

to me directly, so I assume it is on his own.
H.M.JR: I will go over there next week.

MR. THOMPSON: He said he would like personally

to take you through, and he can't do that until he
gets through with this board that he is on that is
trying these German saboteurs.

H.M.RR Is he on that?
MR. THOMPSON: So I understand. He said he was.

102

-2 H.M.JR: Harold was saying last night it takes

nine Generals to try nine Germans.

MR. GRAVES: Eight - I said eight.
H.M.JR: You mean to say that they have tied

Lewis up on that?

MR. THOMPSON: That is what he said. He said

he could from twelve-thirty to one-thirty any time luncheon time.

H.M.JR: We could do it before the board sits.
They can't start much before ten; most boards don't.

Remind me next week.

MR. THOMPSON: Elmer Davis has asked for a detail

this week of one of Eddie Bartelt's organization men
for two or three weeks to help him out.
H.M.JR: Good.
MR. THOMPSON: So we can do that?

H.M.JR: Sure.
MR. THOMPSON: We turned in a hundred and two

thousand pounds of scrap rubber from the Treasury.

That is quite a contribution.

H.M.JR: A hundred and two thousand pounds?

Wonderful.

MR. THOMPSON: A lot of rubber mats are missing

around here.

MR. BELL: I have heard a lot of complaints about
rubber cushions. People went out of the office, and
when they came back found their rubber cushions gone,
some of them private property.
H.M.JR: Really?

103

-3MR. BELL: Yes.
back.

MR. THOMPSON: We had to call a few of them

MR. BELL: One Red Cross lady had a rubber

cushion, her own property. She went out of the
room, and when she came back it was gone.
H.M.JR: A hundred and two thousand pounds?
MR. THOMPSON: A hundred and two thousand - that

is quite a lot of rubber.
H.M.JR: What else?

MR. THOMPSON: That is all.

MR. BELL: I have nothing.
H.M.JR: Mr. Graves?
MR. GRAVES: You asked me to speak to you about

a letter which Mr. Bartholomew has written you about
Professor Welch.

H.M.JR: Oh, yes. Well, I just thought that you
and your associates could talk it over; and if you

think Bartholomew is right, then do something about it.
MR. GRAVES: Yes, I will.
H.M.JR: How is that?
MR. GRAVES: Fine. Nothing more.

H.M.JR: Well, I have got a memo here. I asked
you to get Mr. Arthur Szyk, the cartoonist.
MR. GRAVES: Yes, our people have been in con-

tact with him, and I haven't heard with what result.

104

-4I have no doubt he is working, but I will find out
and report to you.

H.M.JR: Want to bet on it?

it.

MR. GRAVES: Our people have been in contact on

H.M.JR: You know that he is working?
MR. GRAVES: I mean he is going to work, that
he is going to mak e some cartoons.
H.M.JR: Do you want this?
MR. GRAVES: Yes.

(The Secretary handed Mr. Graves a follow-up

memorandum dated July 24, 1942.)

H.M.JR: What else?
MR. GRAVES: I have nothing.
H.M.J JR: White?

MR. WHITE: There are a number of questions all

related to the silver; a couple of them should be
answered today.

H.M.JR: Well, look, the way this meeting is
going, if you silverites want to stay behind maybe

we can answer a couple of them. I mean, stay now.
I know what you have got on your mind. I mean, stay

after this meeting, harry.

MR. WHITE: Yes, sir. That is all. There is a
matter of Swiss francs which I will bring up at the
same time.

MR. GAMBLE: Mr. Bruce Barton is doing that article
for us that you suggested he do on the New York

campaign. It will be ready later this week.

105

-5H.M.JR: Good.
MR. GAMBLE: The Richmond people have set a

meeting for August the twenty-first, and they expect
to have the whole community, an area for a hundred
miles surrounding it - Blue Flag Day.
H.M.JR: Blue Flag Day?

MR. GAMBLE: Blue Flag Day they are calling it.

They are going to try to get every firm in that area
up to ninety and ten on that date, and that is the

date they want you to come and speak to these plants.

I know it is quite a ways off, but that is an answer
to your suggestion that we set these meetings--

H.M.JR: August twenty-first?
MR. GAMBLE: August twenty-first.

H.M.JR: Blue Flag Day - I don't like that.

Can't you call it Treasury Flag Day?

MR. GAMBLE: That is the administrator's phrasing
in this.

H.M.JR: I don't like it.
MR. GAMBLE: They want to have the first Blue

Flag City in America. Our Minute-Man flag was a blue

flag.

H.M.JR: Yes.
MR. ODEGARD: Change it to New Flag Day.

MR. BELL: Minute-Man Flag Day.
MR. GAMBLE: Treasury Flag Day would be better.

106

-6H.M.JR: I don't like it. What color was the

Confederate flag?

MR. GRAVES: Red, white and blue.
MR. SULLIVAN: Stars and bars.

H.M.JR: Anything but Blue Flag - Freedom Flag,

anything. What day is that, August--

MR. GAMBLE: August twenty-first - twilight

meeting.

MR. SULLIVAN: Voluntary Flag.

H.M.JR: That is a Friday. Does it have to be

a Friday?

MR. GAMBLE: We could make it the twentieth.
H.M.JR: What?

MR. GAMBLE: Yes, sir.

H.M.JR: Wait a minute - yes, I can do it on the

twentieth.

MR. GAMBLE: Fine. Another item, Mr. Skouras

would like to have us come to New York for the subject

that he is talking about.

H.M.JR: Would like what?
MR. GAMBLE: He would like to have you come to

New York for the subject - this film subject. He
says it can't be properly made here, and it only
would require an hour or two of your time there. He
would like to do it either next Wednesday, the twenty-

ninth, or Friday, the thirty-first.

107

-7H.M.JR: Do you mind bringing it up again Monday?
MR. GAMBLE: Yes, sir.

H.M.JR: I will know better where I am at.
MR. GAMBLE: All right, sir. These drug people,
representatives of the drug industry, would like to

meet with you on Tuesday to talk to you about the
three-million-dollar campaign.

H.M.JR: If I am going to go up there, you know,

somebody has got to write what I am going to say.

Then I have got to learn it, then forget it, so to
speak - I mean, in the sense that I can't read from
notes. It is something - I would have to learn that
part the way any actor does, so somebody would have
to write the thing.
What do you want on Tuesday?

MR. GAMBLE: Representatives of the drug industry.

H.M.JR: The drug people have six hundred radio
programs a year advertising stomach remedies. I
didn't know that there was so much stomach trouble in
the country.

MRS. KLOTZ: I thought there was more, judging
from the way people behave. (Laughter)
MR. GAMBLE: Mr. Harry White says that the reason
we have so much stomach trouble in the country is
because they have the programs. (Laughter)
MR. PAUL: The power of suggestion.

H.M.JR: What time do you want me to see the
stomach people? (Laughter)

108

-8MR. GAMBLE: Any time on Tuesday, Mr. Secretary.

H.M.JR: I don't know who Colonel Sherrill is.
He is down for three o'clock.
MR. BELL: He is the Manager of the City of
Cincinnati, and he wanted to see you. He came in

through Mr. Julian, and I think it is about taxes.
H.M.JR: Three-fifteen.
MR. GAMBLE: Fine.

H.M.JR: Yes, sir?
MR. GAMBLE: The only other item I have is the
breakdown of the program for the Richmond meeting

on the thirtieth. I thought you might want to see
it. (Paper handed to the Secretary.) That is the
first of the twelve regional meetings.
H.M.JR: I am still waiting for somebody to

give me a report on Heroes' Day.

MR. GAMBLE: On Heroes' Day?

H.M.JR: Yes.

MR. GAMBLE: You knew that was the reason for
We thought we would have a couple
this display.
of minutes with you when you could look at this dis-

play.

H.M.JR: I want the money, money, money.

MR. GAMBLE: I don't think we will be able to
give you that information until Monday of this coming

week.

(Mr. Schwarz entered the conference.)

109

-9 MR. GAMBLE: You see, these people had this

bond stock on consignment. Until they replenish
their bond stock and we get a report from the

merchants themselves, we won't know exactly how
much money they took in.

H.M.JR: When is it going to show up in the

Federal Reserve? Harold says they don't pay up

until the twenty-fourth.

MR. GAMBLE: It should start showing up as

of today. That is, they report to the Federal

Reserve the end of the week, which would mean yester-

day or today, in the instance of most of those merchants.
If they have replenished their bond stock it would be

a little earlier than that.

H.M.JR: Last night I finally got WMAL. They
put on this Treasury program from ten-fifteen to
ten-thirty, and they went through this rigmarole

and then they said, "We are very sorry, we are moving
from one station to another; until we get moved to
our new place, we will not be able to do anything

about it.'

MR. WHITE: Was that after Hull's speech, tenfifteen?
H.M.JR: Yes.

MR. WHITE: It doesn't matter because I think
everybody was asleep by then. (Laughter.)
H.M.JR: Will somebody tell me why the President

gave Mr. Hull the great build-up he did on that
speech? What was the purpose of it?

MR. WHITE: Why also did anybody let him read a

sales speech like that?

110
- 10 -

MR. SULLIVAN: Yes, but the President's remarks
made it ten times as bad.

MR. SCHWARZ: The President said he read it first
and it was a great speech.
MR. WHITE: I was wondering whether it was -

in the first part whether it was for Argentine's and
Chile's benefit. That is the only explanation.
H.M.JR: The only other thing was that he would
even give one, and whether - I mean, who was it to

influence? I don't know. Anybody that listened to

it and heard the poor old man cough every two min-

utes - did you listen?
MRS. KLOTZ: No.

H.M.JR: I mean to hear him cough all the time.
MR. WHITE: I thought that was the radio.
H.M.JR: You know, it was tragic - I mean, you

felt sorry for him.
able.

MR. SULLIVAN: He appeared to be very uncomfort-

MR. WHITE: I don't think that was the worst

of it. I think the speech was at least twice too
long for what it contained. It was very uninspiring
except for a few early paragraphs. I can't understand any of his assistants writing a speech like
that for him to say.

111

- 11 -

H.M.JR: I only listened a very few minutes. I

didn't get much, but then I read the summary in the
New York Times today. There is absolutely nothing in

it.

MR. WHITE: I listened to the whole of it.
MR. SULLIVAN: I did. I kept waiting for the

reason for the speech.

H.M.JR: We were waiting for the Treasury program. That is the only reason we listened.
MR. SULLIVAN: We both got the same results.

H.M.JR: I just can't understand it. I think

it is the worst thing that has happened in I don't
know when. To build people up and then give them
that! And it is not because I don't Love the State
Department. (Laughter)
Anything else?

MR. GAMBLE: That is all.
MR. GRAVES: May I ask you this. You told me
last night you wanted to talk quotas with me today.
I will not be here Monday, Tuesday, and Wednesday.

H.M.JR: That is all right, but it ought to be
very carefully explained to the press. Who is going
to explain it?
MR. GRAVES: We will prepare a release, and Mr.

Odegard
and I will see to it that it is carefully
done.

H.M.JR: You know, Kuhn told me a month or two
ago he had brought in somebody to help him on my

mail. He was going to bring him in and introduce
him. to me.

112
- 12 MR. THOMPSON: Mr. Crampton.

H.M.JR: Is he still with us?
MR. ODEGARD: Yes.

MR. THOMPSON: Kuhn says he is very good, too.

H.M.JR: O.K. Peter?
MR. PAUL: Mr. Secretary, may I go ahead? I

have to be up on the Hill at ten o'clock.

I haven't anything except that if there is any
time set - are you leaving this afternoon?
H.M.JR: I hope so.
MR. PAUL: Well, I just wanted to see you a few
minutes, if possible.
H.M.JR: What about?

MR. PAUL: About giving you a final report on

the taxes.

H.M.JR: Well--

MR. PAUL: Never mind, let it go until Monday -

let it go until Monday. I don't know what time I will

be back or whether they will have an afternoon session

or not.

H.M.JR: Will there be a session tomorrow?
MR. PAUL: No, no session tomorrow.

H.M.JR: Well then--

MR. PAUL: I think they will finish about one

today.

113

- 13 H.M.JR: Anything else?
MR. PAUL: No.

(Mr. Paul left the conference. }
H.M.JR: Blough?

MR. BLOUGH: Well, I will wait just a few

minutes and let Mr. Odegard go ahead.

MR. ODEGARD: The only thing I have was on this
survey that you want made. We were to have a meeting

in Mr. Sullivan's office, but this Navy speech and
the nine-thirty meeting precluded any discussion of
that this morning. My own feeling. is that we ought
to rely, probably, upon Mr. Blough's people to get
the information as to the mechanical problem in
connection with the withholding. So far as the

attitude of the employees, the workers themselves,
is concerned, we ought to get a regular polling group
to do that.

H.M.JR: I am disappointed. I asked to have it
cleared Wednesday night and get it out in the field.
MR. BLOUGH: Mr. Secretary, you recall I spoke
to you Wednesday afternoon. We were still working

on the statement late, and I said that we couldn't

hold the meeting Wednesday. We hoped to hold it

yesterday.

H.M.JR: Why can't you hold it right now - after

this meeting?

MR. SULLIVAN: We have some of the men in my

office.

MR. BLOUGH: We had it scheduled for nine
o'clock.

114
- 14 H.M.JR: Why can't you stay down, not go on the

Hill?

MR. BLOUGH: I have to go on the Hill, but we
can stay long enough to get this straightened out.
H.M.JR: Why not do it right away?
MR. SULLIVAN: Mr. Kanne was coming in at ten-

thirty - the Collector from Hawaii. Shall I bring

him in?

H.M.JR: All right. You fellows had better go

to work. You had better go ahead on that.

MR. BLOUGH: I had nothing except that, Mr.

Secretary.

(Mr. Sullivan, Mr. Blough and Mr. Odegard left

the conference.)

MR. CAIRNS: Bernie spoke to you yesterday, I

believe, about the use of the first War Powers Act.
We will get you the memorandum before Cabinet meeting.

H.M.JR: Good. Be sure I get that.
MR. CAIRNS: That is all. We got Ed off last

night.

H.M.JR: When does he have to come back?

MR. CAIRNS: Either the tenth, eleventh, or

twelfth.

H.M.JR: He got the extension?
MR. CAIRNS: Yes. He was to report Monday, but
he complained bitterly, and they said, "You can come

back on the tenth, eleventh, or twelfth, If and he
didn't decide last night which date he would pick.

MR. BELL: There isn't any question, is there?
(Laughter)

115

- 15 MR. CAIRNS: He is anxious to get in the fight.
H.M.JR: I say he is lucky that the War Department

will wait until the tenth, eleventh, or twelfth.
MR. CAIRNS: That is all I have.
H.M.JR: Chick?
MR. SCHWARZ: I have nothing.

MR. BUFFINGTON: Mr. Purcell is still after me
to see if I can arrange a brief appointment with you,
possibly Tuesday of next week, if that was convenient.

H.M.JR: I gave him one. He didn't like it.
MR. BUFFINGTON: He didn't call me until eleven

o'clock that morning, and he said he had a meeting of
his securities people in Philadelphia.

H.M.JR: He is doing a lot of stuff in the

newspapers.

MR. BUFFINGTON: Yes.

H.M.JR: I can see him at three-thirty.
MR. BUFFINGTON: Tuesday?

H.M.JR: Tuesday, and I don't want - I want you

to get it right from the horse's mouth that I don't

want any more publicity for the Victory Fund Committee
until you have got something to sell in your hands.

See? I know you don't agree with me, but it is like
Purcell; he keeps calling meetings, is going to
organize, and they are going to do things. I don't
like to do it that way. I mean when you boys have
got something to sell I will help you with all the
publicity that you are entitled to - when you have

got something. But, again, to give out something two

116
- 16 -

weeks - I would much rather let it rest the way it is
until we have got something to give you to sell, and
then we will give you the story.

MR. BUFFINGTON: I might say that that suggestion
came from all the executive managers who were trying

to get something ahead of that two and a half percent.

H.M.JR: All right. I just - here in the Treasury
I don't mind your suggesting it. I don't like to keep
talking about what I am going to do two or three weeks
in advance. I like to say, Here is something for the

Victory Fund to do tomorrow." I know they are restless,
but they will just have to be patient, and then they can
make it up by showing how good they are. But let's not
keep - I mean the papers are just flooded with stuff
about people either excusing themselves for what they
should have done or making promises of what they are
going to do.
MR. BUFFINGTON: That is all.

MR. BELL: There is a good deal of that in the

Districts. Do you want that sort of curtailed, too?
H.M.JR: I would like them to stop until they

go to work.

MR. BELL: Then have it all come out at once.
H.M.JR: Yes.

Now, I will go right into silver, Bell and

White, and you had better get hold of Bernstein,
and Huntington, you stay, will you?

117

July 24, 1942

10:00 a.m.

SILVER

Present: Mr. Bell

Mr. White
Mr. Cairns

Mr. B. Bernstein
Mr. E. M. Bernstein

H.M.JR: Go ahead, Harry.

MR. WHITE: There are several questions. The
most immediate is the order which WPB wants to issue,
and they have asked for the Treasury's approval. The
order--

H.M.JR: Let's see now, I get all mixed up. Call

it ei ither Henderson or Nelson.

MR. WHITE: This is Nelson. The order restricts

the use of silver in the United States with the intent,
first, of confining the uses to the most important

purposes, war industries; and secondly, with the purpose
of making the price ceiling which has been established
by Henderson's organization effective. The mere establishment of a price ceiling by Henderson's organization,

which is thirty-five and three-eighths cents, does not

prevent American manufacturers from going into Mexico
and Canada and paying what they wish for it. They have
been going down there, and we just got a cable saying

that one transaction is taking place at sixty cents;

but there are a number of transactions.

H.M.JR: Now, wait, you have got to give me the
whole picture. Let me do it, and where I am wrong tell

me, because I can't keep track of it. I haven't had

time. This is the way - I sent you a little notice,

118

-2no manufacturer - let me start with the silver manufacturer in the United States, see?
MR. WHITE: Right.

H.M.JR: Now, a silver manufacturer in the United

States can't import any more from Mexico because
somebody got out an order this week that you can't

import unless you get a license. Is that right?

MR. WHITE: He can import, but he can't use it.

In effect he can't unless he has a license. It
isn't an import restriction; it is a use restriction,
but in effect that is what it amounts to.
H.M.JR: The net effect is that a silver manufacturer can no longer import silver.
MR. WHITE: Unless he complies with certain conditions.

H.M.JR: All right. Also if he wants to buy it

now, he has got to pay more than seventy-two cents,
hasn't he? Can he buy it - can he go to the market?
MR. WHITE: He has got to have an allocation
even for domestic silver; in other words, there have

to be priorities. They are establishing a priority

system. If they are willing to pay seventy-two cents,
that will add so much to the silver supply that
probably the non-essential users will be able to get
all they want. They now figure that there will be
enough silver to satisfy some of what they call nonessential users.

H.M.JR: Wait a minute. You made a statement

that if they begin to pay seventy-two cents it will

so increase--

MR. WHITE: Yes. Then if they pay seventy-two

cents, they will get all the domestic supply, and the

119

-3domestic supply is about five million ounces a
month in addition.

H.M.JR: Well, will they?
MR. WHITE: Will they pay seventy-two? I think

a good many of them will.

H.M.JR: Wait a minute. Again let me go back.

You think if domestic users could get a priority to
get silver at seventy-two cents - are you implying
it is going to increase the production?
MR. WHITE: No, but instead of silver going to

the Treasury, it will all go to industry so it will

be an additional supply so far as industry is concerned. We get it now--

H.M.JR: All right. Now, what is this particular

thing that you are putting up - that Henderson is

putting up to me this morning?

MR. WHITE: This is Nelson. Nelson's group is
asking our approval on that order.
H.M.JR: Now, what does the order do?

MR. WHITE: The order restricts the ability to
use silver according to licenses. In other words,
it gives the authority to the WPB to say, "You cannot
use this silver unless you will fulfill these conditions." And one of the conditions which they are
going to establish, though it doesn't appear in the
order, is that they can't pay more for silver abroad
than the price ceiling established here.
H.M.JR: What is the price ceiling here?
MR. WHITE: Thirty-five and three-eighths cents

on foreign silver.

H.M.JR: It doesn't make sense. They have just

got out this order now, haven't they? Is this another
order?

120

-4MR. WHITE: I just read about it in the paper,
but they asked us - I don't know whether it is

official.

MR. BELL: That is Henderson's order.
me.

H.M.JR: There is something confusing here to

MR. B. BERNSTEIN: I think there will be in
effect three orders, the first one of which has gone

out. That regulates the importation of foreign silver.

The order currently being considered provides the

system of priorities covering foreign silver and how

foreign silver will be used.

Now, on top of that there will be the order fixing

the price.

H.M.JR: Do that again. There will be three

things?

MR. B. BERNSTEIN: The first one controls the

importation.

H.M.JR: And that will be done through which
agency?

MR. B. BERNSTEIN: WPB has already furnished that
order in the form of an amendment. The second one

will fix the order of priorities with regard to foreign
silver, and in effect it will mean that the non-war
producers will get very little, if any, foreign silver.

The third step will be perhaps a reconsideration or, in
any event, a fixing by Henderson of the price of foreign
silver.

MR. WHITE: That, I think, is all right, except

for the last point. The last point is as follows:

They have fixed the price of silver along with the prices
of all other commodities in the general price ceiling.
It happened to be thirty-five and three-eighths cents.

121

- 5'They didn't specify silver; silver came in among
the others. They are confronted with two problems.
One, shall they have a special price applying to
domestic silver, because if they don't make a special
exception for domestic silver the American producers,

manufacturers, will not be able to offer seventy-two

cents for domestic silver. If they can't offer seventytwo cents, the silver will go to the Treasury instead

of to the domestic manufacturers, so they want to
place a ceiling, a special ceiling, on newly-mined
silver which would be just enough to divert silver
from the Treasury to the domestic users.
H.M.JR: That would be seventy-two cents?
MR. WHITE: Seventy-two cents.

H.M.JR: But they will have the domestic price
of seventy-two cents for the silver manufacturer, and

they will tell them that, You can't pay in Mexico

more than thirty-five cents.

MR. WHITE: That is right, that is the way it
will be now. I have raised the question with them
informally.

H.M.JR: Do you agree on it?
MR. B. BERNSTEIN: Yes, I would have thought that

they were also reconsidering or being subjected to
pressure, by us and by others, on the question of the

thirty-five cent price.

MR. WHITE: They weren't by others, but they
were by us. We raised the question with them informally,

and it arose out of Betata's discussion that until
Nelson's outfit implemented the price ceiling it didn't

worry anybody because they could go down to Mexico

and buy more. But in the light of the new order,

what it would mean would be that Mexico wouldn't be

able to get more than thirty-five cents for its silver.
Now, Mr. Betata came in here and asked your opinion or

122

-6approval on the establishment of an export tax. He
told us that he was thinking of a ten-cent tax,

which would mean that if the thirty-five cent ceiling
price still remained here that the miners in Mexico,
or the miners, silver owners, would be able to get
only twenty-five cents out of their share, and the

Government would get ten cents, which would mean

that the supply of silver would be curtailed.

Besides that, certainly the Mexicans are going
to be very disturbed and very angry by an arrangement
which doesn't permit them to get more than thirty-five
cents at a time when they could get much more, and at
a time when domestic manufacturers are sending it
into industry at seventy-two cents.
So I asked the Henderson outfit to consider the

feasibility of raising the ceiling on foreign silver
to forty-five cents; what would they think of that

proposal, explaining what the Mexican Government had

in mind. They are now considering it. They indicate
that they might look favorably upon that, but I didn't

ask them for a formal opinion yet. If they raise it
to forty-five, then Nelson's outfit will put that
into effect. Nelson's outfit says, "We don't care
what the price is; that is not our business; that is
OPA's business; but whatever price OPA sets, we are

going to effectuate, and we will also see that whatever silver comes in will be used for the most
important uses."

H.M.JR: Do you know - for instance, does OPA
say tothe chocolate manufacturers that, "You can
only pay so much for cocoa in Brazil?"

MR. WHITE: They are going to do that.
H.M.JR: But I mean, have they?
MR. WHITE: No, not to my knowledge.

123

-7 H.M.JR: I would like to know of any case that is as good an example as any - if they say
to a chocolate
much
for cocoamanufacturer,
in Brazil." "You can only pay so
MR. WHITE: They haven't been able to do that;
it wouldn't have meant anything, Mr. Secretary, but

that point has been troubling them a great deal. I
think it is because that has been troubling them
that they got Nelson's outfit to issue this order,
which would make it possible for them to put a ceil-

ing on the foreign silver; but they can't do it
alone. They don't have the authority to do it alone.

H.M.JR: Personally, this stuff - oh, Gawd,
everybody makes everything just as difficult as
they can for you instead of just as easy. Let me
ask you this: For the American manufacturer, why
should they try to put a ceiling above the price
that we pay our own silver miners?
MR. WHITE: They do that in order to increase

the supply of silver, because the silver that we
buy is gone, so far as the users are concerned the market is concerned.

H.M.JR: You don't understand me. I mean, if
they want to try to control what the man pays, the
prices, and they are going to permit the manufacturer -

in order to get any silver in this country, he is

going to have to pay seventy-two cents. Right?

MR. WHITE: For newly-mined domestic silver

he would have to pay seventy-two. He might get
some, I don't know how much, but not as much as

he wants.

H.M.JR: What?

124

-8MR. WHITE: Of foreign silver.
H.M.JR: No, but I mean - don't make it more

confusing, Harry. Provided he gets the license,
the manufacturer in this country who is going to

buy domestic silver would have to pay, roughly, seventytwo cents.

MR. WHITE: If he gets the license.

H.M.JR: So what I am trying to say is this,
why is it any of our business to say to the manufacturer, "Well, you can buy this silver anywhere
in the world that you want as long as your cost,

landed, in New York does not exceed our own domestic
price."

MR. WHITE: Their answer to that is as follows:
They say, "Silver is not any different from cocoa

or anything else," and they say that our price ceil-

ings which we have established are being threatened
on a broad front.

H.M.JR: But that is ridiculous; the price

ceiling is seventy-two cents. It isn't thirty-five
cents.

MR. WHITE: Well, the seventy-two cent price

doesn't apply to all the silver; it only applies to
part of the silver.
H.M.JR: It applies to any silver that a manu-

facturer wants to use.

MR. WHITE: The non-essential uses.

125

-9MR. B. BERNSTEIN: In the past, Mr. Secretary,

for all the materials that were produced in which
they used silver the price those people paid for
silver was thirty-five and three-eighths cents.

H.M.JR: When they bought outside of the country.
MR. B. BERNSTEIN: And since what they tried

to do was freeze the prices on the basis of it, the
situation as of March thirty-one this year - at that
time manufacturers were able to get silver at the
thirty-five and three-eighths price.
H.M.JR: But, Bernie, I mean I am not arguing

for higher-priced silver. Personally, I still

stand where I did. I would remove all silver restrictions and just have it treated like anything

else, but treat silver just like a commodity. Let's
say that the sugar price in this country, using
sugar - we can grow sugar, and let's say the ceiling in this country is five cents, see? Then, why

should we say that in Cuba you can't pay more than
two and a half cents for sugar?
MR. E. M. BERNSTEIN: Three -fifths of the im-

ported silver goes into essential war uses; it is

for those war uses they want to keep the price down,
and for them they reserve the greater part of the

foreign silver. They don't want them to have to

pay seventy-two cents an ounce.

MR. WHITE: In other words, it--

126

- 10 -

H.M.JR: Yes, but the whole thing is so inconsistent. On the one hand you say for the war uses

it is going to be thirty-five cents, and for the silversmith it is going to be seventy-two cents.

MR. WHITE: That is precisely what they are saying in the conservation order.
H.M.JR: You haven't told me that. I have had

to dig that out. No one has told me that, if that
is what it is.

MR. WHITE: It is to discourage non-essential
users by charging them a higher price and yet providing
a new supply for them which otherwise wouldn't be
available to anybody because it would go into the
Treasury.

H.M.JR: How do you get that? Can't they get it
now - if I wanted to go out today, and I am International Silver Company, wherever they are, and buy

silver in Utah at seventy-two cents, can't I buy it?
MR. WHITE: Not if their old price ceiling stayed
in effect, which was thirty-five cents. Then the

Government was the only one that could pay more than

thirty-five.

MR. BELL: Didn't that apply to foreign silver
only?

MR. WHITE: No, they excluded domestic silver.

MR. BELL: Yes, but why isn't the Secretary's

statement correct then?

MR. B. BERNSTEIN: I think it has. Gorham has

paid seventy-two cents. The point Harry was making-H.M.JR: Gorham has paid seventy-two?

127
- 11 -

MR. B. BERNSTEIN: Yes. The point Harry was

making, it seems to me, is this, that only those

manufacturers who could afford to absorb the difference between the thirty-five cent price and the
seventy-two cent price were in a position to go out
and pay the seventy-two cent price. Other important
manufacturers, the price on whose product was fixed,
couldn't afford to pay seventy-two cents where they
previously had been paying thirty-five; and they are
bringing pressure on OPA to let them raise the price
of their product so that they in turn could come down
here and pay seventy-two cents for silver.
H.M.JR: Well, to make it thoroughly cockeyed,

they should leave it at thirty-five cents, and then

these people sell their goods, and then ask them, "How
much money did you lose on it?" Then we pay up the

difference in the losses, whatever it is on the books.
That would be the perfect set-up. You see, leave it

at thirty-five, they will sell at the other - some

can pay seventy-two, others can't - and then say, "How
much are you losing on your silver spoon?" "I am

losing so much.' Just draw a check on the Treasury."
MR. B. BERNSTEIN: I don't know whether you are

serious or kidding.

H.M.JR: I am not kidding.

MR. B. BERNSTEIN: That is right. I talked to

one of the boys last night, and they feel it is

cheaper to have subsidies to make up the losses.

H.M.JR: No, that is what is-MR. BELL: They are talking about that in other

commodities.

H.M.JR: They will have to do that on meat right

now. Boston is getting no meat because the packers

can't stand the fifteen-cent price on hogs, so they

128

- 12 -

say, "To hell with it; we are not going to butcher any

hogs.

MR. WHITE: You remember, we said a long time ago

that fixing prices does not meet the situation, and we
are beginning to see all the rips opening up in the
seams. The first one was the import goods. The
second is that matter you are raising; but the further
reason is they want to put a ceiling on domestic
silver because they are afraid that even with the
uses restricted to non-essential uses the bidding
up of domestic silver might cause the price to go to
a dollar an ounce. So they want to set a ceiling
even on domestic silver of seventy-two cents so as

to prevent the bidding up of that.

MR. E.M.BERNSTEIN: There will be three categories

of silver users as a result of the import order and
the forthcoming conservation order. There will be
the essential users of silver for war purposes, at
thirty-five and three-eighths cents, first claim on
the foreign; there will be priority users who will
have foreign silver, and they will pay thirty-five
and three-eighths cents; they have priorities from
l-a to 10-a. There will be those beyond that level
of priorities who will not be able to get foreign
silver, and if there is domestic silver for them they
will all get domestic silver and they will pay seventytwo cents an ounce.

H.M.JR: Well, this thing is unusually com-

plicated because we have the seventy-two cent price

that the industries buy at, the thirty-five cent

world price which will be fixed, and then Harry White
comes along and suggests that we add an extra ten

cents so that Mexico can collect a tax.

MR. WHITE: It is a complicated situation, but

I think--

H.M.JR: Supposing Canada wants to put on

fifteen cents. They ne ed a fifteen-cent tax. Then
what are you going to do?

129
- 13 -

ness.

MR. WHITE: Well, it is a question of reasonable-

H.M.JR: Now, this is the way I feel. This
situation is like cocoa. I personally think, Harry,
this. I mean, left to myself - I mean I would say,
let them have a free-for-all on silver up to seventytwo cents. That is what I would say, but you can't
do it that way. So I think - I don't see how the
position is tenable - your ten cents tax. I think they
had better go ahead and try to freeze the foreign price
at thirty-five cents, put a ceiling of seventy-two cents
on for domestic, and then let these fellows go to the

State Department - Mexico, and so forth and so on - and
then let the State Department take the burden if they

want to increase the price above thirty-five cents.

MR. WHITE: That was our original position, Mr.
Secretary, and the only reason it is revised is because

Mr. Betata came to you.

H.M.JR: Certainly he got nothing out of me.
MR. WHITE: He hasn't gotten anything out of us,

either.

H.M.JR: I just think the thing is so cockeyed
that we had better just be ultra-cons ervative on this
thing and say, "The price is thirty-five cents; that

is what it is." Let them freeze the foreign silver
at thirty-five, the domestic at seventy-two, and if

Mexico and Canada or Peru or somebody else doesn't

like it let them go to the State Department and
complain.

MR. CAIRNS: That gives Nelson what he wants?

MR. WHITE: Yes, that gives Nelson what he wants.
We answer Mexico by saying, "We have great sympathy

but unfortunately that is not a matter which relates
to us", and they immediately will bring pressure to

130
- 14 -

bear on the State Department and on OPA, and it will
be their baby. We are not in any way overlooking a

responsibility which we have - I really don't see it because at that point it is a question of international
relations; and it is no different, it seems to me, than
cocoa or any one of the other imported articles about

which we are troubled. Why should we ask them to make

a difference on silver for Mexico and not ask a
difference for cocoa for Columbia? It isn't our
affair.

H.M.JR: Sure, or long staple cotton from - which

country did we buy from?

MR. WHITE: Well, Peru - we used to buy it from

Egypt.

H.M.JR: Another way would be to have one of
Jesse Jones' Metal Reserve Corporations buy the silver
from Mexico at forty-five cents and let Jesse take the

ten-cent loss, you see, and sell it to Nelson at
thirty-five cents.

MR. WHITE: They are doing the same thing with
some things, with copper.
MR. B. BERNSTEIN: Mr. Secretary, before the
discussion is closed, and I am glad you gave me an

opening--

H.M.JR: That is another way out, let Jesse

buy it at forty-five cents, absolve the ten-cent
loss, and Nelson gets it at thirty-five.

MR. WHITE: Bernie has his foot in the door
with his scheme. (Laughter)
MR. B. BERNSTEIN: Doing what you are suggesting

here neither increases the supply of silver for war

and non-war uses nor eliminates the possible hardship

131

- 15 -

that will exist for Mexico and other countires. Now,
I am not attempting to argue the propriety of the

position that you are suggesting, but assuming that a
solution must some time be found--

H.M.JR: I am not arguing, but I will now proceed

to go ahead and argue. (Laughter)

MR. B. BERNSTEIN: Not at all. I just say that

some time a solution will be found whi ch will both
make more silver available for the market and at a
price which will be deemed to be fair by the foreign
countries. The Metals Reserve Company can do it by
redeeming silver certificates at the Treasury for

silver coins, melting the silver and selling it to
the market, say, at fifty cents an ounce.

H.M.JR: But that is the thing, Bernie - listen,
before we go into that - just hold that a minute - I
want to ask Bell if the thing that I suggested you hold yourself a minute.

MR. BELL: Yes, I think that is all right. I

was going to raise the question as to whether you
should warn Henderson or Nelson, one or the other,

that undoubtedly they will get this pressure through

the State Department so they are prepared to meet it.
MR. WHITE: I have already informed Henderson's
men that they can expect considerable pressure. We

can repeat it higher up.

M.JR: Are you satisfied? Do you see anything else - I mean from a Treasury standpoint?

MR. BELL: I think that is the way to do it.
H.M.JR: At least we are doing it then as
strictly Treasury people.

132
- 16 -

MR. BELL: I think that is right. I don't see

how you can distinguish between commodities.

H.M.JR: You are all right?
MR. BELL: Yes.
MR. CAIRNS: Yes.

H.M.JR: White?

MR. WHITE: I think that is the thing to do. I

don't think we have any special responsibility to

Mexico.

H.M.JR: Now, going back to my conversation
with McCabe of Lend-Lease, in which he told me that

he didn't see how they could redeem silver certificates
for coinage purposes but that they could do it for
strategic purposes, I told him on the phone that my
chief interest was in getting silver for England and
for Australia for coinage purposes. He seemed to be
surprised at that. I said, "Well, that is what I am
interested in."
Now we have got, gentlemen, to do something

about helping England and Australia and these other

countries, Iran and Iraq, whatever they are, to get

this silver so that they can have it for small coins.

I think we have just got to move on it.

MR. WHITE: Mr. Secretary, I think one of the
reasons we have our difficulties is that the
negotiations with Lend-Lease have been through Mr.

Ecker. I have explained them in great detail at
least five times, and the man doesn't assimilate
easy.

H.M.JR: That man Wyzanski is nobody's fool.
Didn't Wyzanski come over?

133
- 17 -

MR. WHITE: No. They will come over now. In
the memo they say they are ready to come over, but
I mean all the negotiations have been by Ecker. He
would call me up after every meeting and I would have

to go over it all again, so I don't think it has been

adequately represented to them.

H.M.JR: I would like to really go to town on

that. I think that is really a Treasury responsibility

when another treasury calls up and says, "We need

silver."

MR. BELL: I think we should do everything we

can to get silver for coinage in those countries where

we have caused the shortage.

H.M.JR: So if you and Judge Wyzanski, who has
been brought down off the bench to help on this
thing--

MR. WHITE: Their memo doesn't foreclose it.

H.M.JR: No, it is very nice.
MR. WHITE: So that the next step is to call

them and show them the emphasis.

H.M.JR: And McCabe said he would be interested

if it was a coinage thing I wanted.
MR. BELL: We did get a reply from McCabe that

it couldn't be done?

MR. WHITE: Not that it couldn't be done, but

that they didn't like the policy.

H.M.JR: He sent over an unsigned draft for

us to consider. They didn't want to close the door.

will.

MR. BELL: He will do it; if he can do it, he

134
- 18 -

MR. WHITE: I don't think we will have difficulty

convincing him.

H.M.JR: Do you remember Wyzanski?

MR. BELL: Very well. He is very able.
H.M.JR: They have brought him down to help out.
MR. WHITE: He has another idea in there, which

he said they wouldn't like, to redeem silver certificates

at a dollar twenty-nine cents an ounce. That seems to

them a little bit preposterous a price, but what they
would be willing to do would be to direct the Treasury,
as their agents, to buy domestic silver at seventy-two
cents. Now, it may be that can work out. They may be

able to buy it directly but pay just a little more than

we pay and get seventy-two cent silver. That, however,
is not the understanding you had with the Silver Conmittee and the Silver Committee might object to it.

A third change in your idea to them is with

reference to the terms. You remember that you suggested that it would be an ounce-for-ounce return. They
don't wish to make those special terms. They prefer

not to now. It may be possible to convince them, but
that is another distinction between their position and
the Silver Committee's position.
MR. BELL: Why isn't that a good suggestion of
buying at seventy-two cents for the Lend-Lease?

MR. WHITE: It would be better if the Silver
Committee - if it would be all right wi th the Silver
Committee.

H.M.JR: Now, I think, gentlemen, that we have

spent about all the time that silver is worth, forty-

five minutes.

MR. WHITE: There is a letter that you have to

sign, if that is the case.

135

- 19 MR. B. BERNSTEIN: The industrial users of
silver want to buy some of our seventy-two cent

silver, but for the processors to sell it to them
you have got to give them an extension of time under
certain contracts that they have to deliver the
silver to you. We have done it in the past. We

have given them an additional six months' time.
Then they will sell that silver to Gorham and Handy
and Harman, and so on. Ed signed a memorandum to

you.

H.M.JR: Wait a minute, you are going a little
bit fast. Explain it to me once more.
MR. B. BERNSTEIN: On newly-mined domestic

silver the customary way it is delivered to us is

as soon as the smelter gets it he pays his seventytwo cents to the miner and gives you a transfer of

title. That protects him in case legislation is

changed. The delivery date on that silver is now

here.

H.M.JR: Is now what?
MR. B. BEINSTEIN: Now arrived. Under the con-

tract they have got to make deliveries to you this
month. If you will give them an additional six months
in which to deliver that silver they are going to turn
around and be able to sell silver to industrial users
at seventy-one point eleven cents.

H.M.JR: If they get a license. But that re-

leases - that makes it possible?
MR. B. BERNSTEIN: Yes.

H.M.JR: I want you gentlemen to know this,

that there are two things - I think it is a great

mistake to shut down these silversmiths unless - I
mean on the price business, you see - only on the

price business. But if it is a question of a silver-

136
- 20 smith or a straight war need then it should go for

war purposes. But if it is a question of the silversmiths not being able to function on account of this
price tangle I think we should be sympathetic to the
silversmiths.

MR. WHITE: That is right.
They have asked for our approval of their
order. I don't know whether we have to answer.
H.M.JR: Do I have to?

MR. BELL: You are just saying there is no

objection.

MR. WHITE: That is the order establishing
priorities and conservation.
MR. BELL: Can you get away with that, just
saying there is no objection?
MR. WHITE: It would satisfy them better.

There is one other matter that I would like to
raise. We are ne gotiating with the Swiss now on the
question of the acquisition of Swiss francs. We
would like to ask to buy two million dollars' worth,

more, of Swiss francs.

H.M.JR: We bought two million.
MR. WHITE: We bought one, and we didn't use it

but we are saving it. We expect to need about ten

million. So that the Stabilizati on Fund, if they
acquiesce to our--

H.M.JR: I thought you bought two.
MR. WHITE: It was one. We bought two million
Swiss francs, wasn't it?

137
- 21 -

MR. E. M. BERNSTEIN: One million Swiss francs.

H.M.JR: Wait a minute, we gave the Vatican made available to them two hundred and fifty thousand
dollars' worth of Swiss francs.

MR. WHITE: Not out of this. It was other Swiss

francs.
it?

H.M.JR: But that was two million dollars, wasn't
MR. WHITE: Two hundred and fifty thousand Swiss

francs - no, it would be much less than that.

H.M.JR: Wasn't there two million dollars' worth

of Swiss francs?

MR. E. M. BERNSTEIN: In an option fund there

was - we had the right to buy it at any time. We
didn't have the right-H.M.JR: Am I not right, it was two million

dollars?

MR. E. M. BERNSTEIN: Yes, sir, it was that much
at one time.
H.M.JR: What has happened to that?
MR. E. M. BERNSTEIN: It has been apportioned

to the Vatican and to some other places.

H.M.JR: The State Department, the Red Cross have you used that all up?

MR. E. M. BERNSTEIN: No, sir, there is still a

little left.

H.M.JR: You didn't buy that outright?
MR. E. M. BERNSTEIN: No, sir.

138

- 22 H.M.JR: Option from whom?
Bank.

MR. E. M. BERNSTEIN: . From the Swiss National

H.M.JR: But you haven't used that all up?
MR. E. M. BERNSTEIN: No, sir.

H.M.JR: And that wasn't through the Stabiliza-

tion Fund?

MR. E. M. BERNSTEIN: No, sir.

H.M.JR: Now you want to buy a million dollars'

worth?

MR. WHITE: Two million dollars' worth.
H.M.JR: Of Swiss francs?
MR. WHITE: Yes, that would be how many-H.M.JR: From whom do you want to buy?

MR. WHITE: From the Swiss, and negotiations are
going forward.
H.M.JR: Swiss National Bank?

MR. WHITE: I think it will be the Swiss National
Bank that will make it available, but the Swiss
Government will have to give its approval.
H.M.JR: And the Stabilization Fund-MR. WHITE: The Stabilizati on Fund would then

have two million and a third - two and a third million
dollars' worth of Swiss francs, and the State Department anticipates a need for ten million the rest of

the year. So I don't think we will get stuck with it

unless the war ends--

139
- 23 -

H.M.JR: What price?
MR. WHITE: The par price.

MR. BELL: Par? That is nineteen, isn't it?
MR. WHITE: Twenty-three cents.

H.M.JR: What was that other two million dollars -

what did we pay for that?

MR. E. M. BERNSTEIN: We always get it for par
when we get it from the Swiss.

MR. BELL: You pay gold for it, don't you, so

they give you par?

MR. E. M. BERNSTEIN: Not because we pay gold.

It is because when they sell it to us we give them

dollars. They get gold if they want it.

MR. WHITE: Twenty-three cents is the official-H.M.JR: What is it in the market?
MR. WHITE: It was twenty-eight and thirty-two,

and I think it even went as far as thirty-four.
H.M.JR: So it is a good buy?
MR. WHITE: Yes, it is a good buy.

H.M.JR: Could we make a little money on it?
MR. WHITE: We can if you want to. We can
charge the State Department.

H.M.JR: What are we in business for, our
health? (Laughter)

MR. WHITE: Since it is the State Department,
maybe we can make a little money. (Laughter)

140
- 24 H.M.JR: I would charge them something. All

right, that is approved. Anything else?

MR. WHITE: That is all. This letter to the

Senator on silver will have to w ait because it
speaks of coinage.

141

July 15, 1942

Secretary Morgenthau
Mr. Foley

The shortage of silver available for use in
industry and the arts has created a market demand for

newly-mined domestic silver at a price in excess of
71.11 per ounce, the price now paid for such silver by

the coinage mints. In the immediate future this type
of silver will probably be sold to consumers.
However, title to more than 6,000,000 ounces

of the production of the refineries for the months of
July through November has already been transferred to

the United States under Instruments of Transfer. An

Instrument of Transfer vests title to the silver in the
United States immediately upon its acceptance and the

silver is required to be delivered at some future time,

usually within the next five months. Some of the refineries that have executed Instruments of Transfer calling
for deliveries in the months of July through November are
anxious to have them cancelled or modified in order that

142

-2-

this silver may be sold to industrial and artistic consumers.

Instruments of Transfer have been modified on

numerous occasions in the past to permit late deliveries.

It is my opinion that you have the legal authority to
agree to a modification of the Instruments of Transfer
so as to postpone the delivery dates until sometime in
the future.

If you approve our taking steps to modify the
Instruments of Transfer, will you please indicate your
approval below.

(Signed) E. H. Foley, Jr.
General Counsel.

APPROVED:

(Signed) H. Morgenthau, Jr.
Secretary of the Treasury.

RB:FH:ecr- 7/14/42

143

JUL 24 1942

Dear Sirs:

Attention: Mr. Lund

Reference is made to your inquiry as to the views
of the Treasury Department concerning the proposed
Order M-199 to be issued by the War Production Board.

It does not appear that the problems dealt with
by the Conservation Order M-199 effects the functions

of the freasury Department with respect to silver, and
accordingly the Treasury Department raises no objection
to the issuance by the War Production Board of the
proposed Order.

Very truly yours,
(Signed) H. Morgenthau, Jr.

Secretary of the Treasury.

War Production Board,

Washington, D. C.

BB : nrd - 7/22/42,

144

July 25, 1942

MEMORANDUM FOR THE FILES

Subject: Meeting on the Land-Leasing of Silver
Mr. White's office, July 24, 1942
Present: For Land-Lease: Mr. Beker, Mr. Van Buskirk,
Mr. Nysensky

For Treasury:

Mr. White, Mr. B. Bernstein,
Mr. E. M. Bernstein

Mr. White opened the meeting by stating that the proposed letter from
the Lend-Lease Administration met part of the requirements for an adequate

program of lend-leasing silver to friendly foreign countries. The willingness of the Lend-Lease Administration to provide silver for industrial
purposes fully net that part of the silver problem. However, some of the
most important requirements are not met by the Lend-Lease Administration's
proposal. The two most important are the need for silver for coinage
purposes, and the failure to provide for a separate lend-lease agreement

for the return of silver on an ounce-gram basis after the war. Mr. White

made a brief statement on the position of the Senate Special Silver Committee and the desirability of shaping the program in a manner that would
be approved by the Committee.

Mr. Ecker stated that it was difficult to say how silver coinage
could be regarded as a defense article. The Lend-Lease Act limits the
Lend-Lease Administration, he said, to the provision of defense articles.
Mr. B. Bernstein pointed out that the effective production of defense

articles depends upon an adequate coinage, and that silver coinage is
an essential part of a satisfactory monstary system.

The question was raised by Lend-Lease people whether the additional

silver coinage required was solely due to the presence of troops of the
United Nations in these areas. Mr. White replied that clearly the
presence of the troops was an important factor in the need for additional
silver for coinage. Nevertheless, the principal reason for the increased
need for coinage is the expension of production and employment as a consequence of war production. Mr. White pointed out that if we do not lendlease silver to England for ooinage that England will, of necessity,

divert silver from industrial uses to provide itself with the necessary
coinage. This silver will come out of the war effort whether silver is
diverted from use in England and replaced by other metals or whether

silver is acquired in the open market, which will reduce the available
supply for the American war effort.

145

-2-

Division of Monetary
Research

Mr. Wysensky admitted that the Lend-Lease Administration can lend-lease

silver for coinage where it is so clearly connected with the war that
no doubt exists of the connection. He eited a hypothetical case of
the reconquest of Norway. If silver coinage should be needed to re-

establish the monetary system of Norway, the Lend-Lease Administration

would feel justified in providing such coinage.

Mr. E. M. Bernstein inquired whether the Lend-Lease Administration

would honor a requisition from one of the United Nations for silver for
coinage if the requisition stated that such silver was needed because
of the presence of troops and war production. Mr. Van Buskirk replied
that the request would be investigated and a decision based on that.

He offered little hope that silver for ocinage would be available.

The Lend-Lease people made it clear that the principal reason they

objected to the provision of silver for coinage is that silver provided

for this purpose might be regarded by the public as a direct lending of
money or equivalent to a direct lending of money.

The question was briefly discussed on the desirability of having
silver lend-leased for war production uses and returned after the war
on an ounce-for-ounce basis. Mr. Van Buskirk said he saw no more
reason for the separate agreement for the return of silver than for the
return of any other material that is lend-leased.

Mr. White pointed out that it is difficult to ignore the Silver

Committee's desires in this respect. The strength of the Silver Committee is not to be measured merely by their attitude towards silver.
Their dissatisfaction with the silver program will be manifested in
their attitude on every important measure. Mr. White added that the

Senate Special Silver Committee has in mind the Pittman Act under which

Treasury silver was made available for sale to foreign countries during
the last war and the Treasury required to repurchase the silver at a
dollar an ounce, which was more than twice the market price. While
the Senate Special Silver Committee is in no position to ask for such
generous treatment this time, they would like to see a post-war demand
created for silver for replacing silver provided the United Nations out
of the Treasury's stocks.
The meeting adjourned with the Lend-Lease Administration still

holding firmly to the view that the lend-leasing of silver for coinage

purposes is in general outside the functions of the Lend-Lease Administration and would be misunderstood by the public; that there is no need
for a separate lend-lease agreement on industrial silver provided for
war uses.
E. M. Bernstein

146

July 24, 1942

Conference in Secretary Morgenthau's Office
Thursday, July 24, 1942
11:05 A. M.

Present: Secretary Morgenthau

Sir Frederick Phillips

Sir Frederick Leith-Ross
Mr. D. W. Bell
Mr. H. D. White
The meeting had been arranged at the request of Phillips, who

had said that Sir Frederick Leith-Ross would like to call on the
Secretary. After some preliminary pleasantries, Leith-Ross spoke to
the Secretary about the proposal to establish an International Relief
Organization and remarked that the Secretary was the person most neces-

sary to talk with since there was the question of financing the relief.

The Secretary said he did not know much about it yet inasmuch as he
was busy with problems that were more immediate. Leith-Ross said he
hoped the Secretary would find time to go into the matter as he felt

it was something that ought to be initiated in the not too distant
future. Leith-Ross also intimated he would be glad to talk about the
details with the Secretary any time the latter felt interested. The

Secretary responded that he would be glad to go into it some time.
Sir Frederick Phillips also said the people in London had been thinking
about post-war monetary problems and would like to discuss it sometime
with the Secretary and the Secretary said he would be glad to.
Secretary Morgenthau asked Phillips and Leith-Ross whether they

were familiar with the point rationing system. Leith-Ross said he
wasn't in on that end of it but made a few comments; Phillips said he
had observed some of the things about it from his recent sojourn in
London. The Secretary asked whether it would be possible for Phillips

to have prepared a memorandum setting forth briefly some of the
characteristics of the point rationing system in England and whether
he had any memoranda or reports available which he could send to the
Treasury. Phillips said he would be glad to have prepared such a

memorandum and see what was available.

The meeting adjourned after about fifteen minutes.

146-A

July 24, 1942

Knox told me at lunch today that Hopkins,
King and Marshall were over in England, and that
the President's instructions were not to come back
from England until they have gotten an agreement
from the British that they would attack somewhere on
the Second Front with us this summer.

7/24/42

147

Reading copy of HM, Jr's remarks to
Navy Department employees in front of
Navy Department Building at noon today,
when Secretary Knox also addressed them,

on their Payroll Deduction Plan.
IT RAINED!

148

Mr. Knox, Mr. Bard, Ladies and Gentlemen:

This is certainly a stirrin nd heart t-warming demonstration. I share with you the pride and

satisfaction the all of you must feel over the
outstanding success achieved by the Navy Bond Campaign.

There is always satisfaction in a job well done. That

is particularly true in th: case, for sound and
adequate financing is one of the most important phases

of our all-out war effort. To prosecute the war during
this year, it will be necessary for the Govern

to

borrow at least $50,000,000,000, more than $4,000,000,000

a month. We hope that at least $12,0 1,000,000 of this
will come through the sale of War Bonds to wage earners
and salaried employees.

149

-2It is essential not only for the successful conduct
of the war but for the economic welfare of the nation
that as much as possible of the income of individuals
be invested in Government securities. This is imperative
for a number of reasons. One is that this money is

actually needed to finance the war. It helps to pay
for the weapons our courageous fighting forces need to

defeat the enemy. Another reason is that by investing
as much as possible of our current income in War Bonds,
we reduce unnecessary spending and thus help to keep
prices down. Every War Bond dollar we get means one

dollar less that we shall have to borrow from the banks.

150

-3We all know that the supply of civilian goods
is being drastically curtailed by the demands of war
production. With more money to spend for fewer goods,

prices are bound to increase unless we deliberately
resolve to spend less and save more. In war time
spending as usual is as bad as business as usual. By
investing every cent we can in War Bonds, we can kill

three birds with one stone. First,we can help buy
planes and guns and ships for our fighting men. Second,
we can help keep down the cost of living for ourselves

and for the government. And third, we can protect our
own future security with the savings we accumulate now.

151
- -4. -

To accomplish these objectives the slogan of
our War Bond Campaign has been "Everybody -- Every

Pay Day - 10%". It is proper that we who are in
Government service should set an example for those

employed in business and industry. The Treasury
Department last month, and now the Navy Department,

have gone over the top in this campaign. Over 90%
of the employees of both departments are investing

more than 10% of their total pay in War Bonds every
pay day. We of the Treasury and you of the Navy have
thus said to employees everywhere, in other Government

Departments and in private business and industry, "We
have shown the way. This job can and must be done."

1"

152

-5Personally and on behalf of my associates in the
Treasury Department, I congratulate you. By your
success in this campaign you have demonstrated the

truth of your War Bond slogan, "Navy Dollars are

Fighting Dollars".
My thanks and congratulations to you all. Keep
up the good work.

153

July 24, 1942

4:15 a.m.
INFLATION

Present: Mr. Bell

Mr. White
Mr. Cairns

Mr. B. Bernstein
Mr. Paul

Mrs. Klotz

H.M.JR: In order to save me and also for
efficiency, I hope you agree to what I am doing.

Until the tax bill is through - you see, at Cabinet -

I mean - you see what I am leading up to - at Cabinet

I brought up - I gave the President this memorandum

which Bernstein prepared. As I understood it, it was

his idea; he did the work on it. I think I am correct.
I mean, I am a little bit - I don't know just who to
work with. You are through with the bill, so I am
just a little bit hamstrung - or am I confusing you?
MR. PAUL: No, not at all. I can tell more after

you get on a little bit.

H.M.JR: The point is I have got to work -

mean, normally, once the tax bill is over, and I have
got something, then I would say to you - I would say,
"Paul, do this as General Counsel, but in the meantime, with you up on the Hill and wanting to keep the
thing - I will try my best to keep you informed when
you can do something, and I will let you tell me - I

would like to work with the fellow direct. That is

what I am getting at.

MR. PAUL: That is right, and I think you should
work with - depending on which--

154

-2H.M.JR: O.K.?

MR. PAUL: Yes, which part it is, whether it

is Foreign Funds or another part.

H.M.JR: And it is up to these fellows to keep
you posted as much as possible, and when you are
here, like I said, "If he is here, tell him to come

in." If not, they would have had to tell you. Is
that right?

MR. PAUL: That is all right.
H.M.JR: When I get through any of - these two

can have their day in court if they are not satisfied,
but in the meantime let's keep winning the war. I
will tell you what I have done. Then, if you are not
satisfied - anyway, instead of the President - to my
amazement he took the memorandum and as a basis of

that, he read the first page. He discussed the whole
question of inflation and prices for about fifteen or
twenty minutes, and he asked me if we were in tune

with the Attorney General. I said, "It isn't a question
of being in tune; we just haven't discussed it with
anybody outside the office, and I take it that is
right.

MR. BERNSTEIN: That is correct.

H.M.JR: And so he was sparring around a lot,

and in view of the fact that Jim Forrestal just

before Cabinet got hold of me and said, "Wasn't it
terrible the President wasn't going to go ahead, the
House leadership had licked him on the thing, and he
wasn't going to do anything." So the President - from
his discussion nobody at Cabinet could tell whether he

was going to go to Executive Order, because he asked,
"What would you say if I sent a message to Congress?

So finally I turned to the President, and I said, "Well,
I don't understand. Are you going to do this by
Executive Order, or aren't you?" I thought I might as

well nail him down, and in a very disagreeable manner

155

-3he turned to me and said, "Of course I am going to

do it by Executive Order," so - well, that was the
first I think anybody in the room knew it. But I

wanted to know it, so he said--

(Mr. Murphy entered the conference.)

H.M.JR: Harry will tell you, Henry. He will

post you. You haven't missed much. Then at the end

of Cabinet I said to the President, "Is it agreeable

if I give a copy of this memorandum of Bernstein's
to Sam Rosenman," and he said, "It is." I then got
hold of Sam, and Sam knew nothing about it. He

didn't know. He said, "Don't tell me after three

weeks' discussion in the papers there isn't an Execu-

tive Order drawn." I said, "No, Sam, if there is I

don't know about it, and I also understand Ginsberg
has been sitting up every night trying to work one
out, but I would be amazed if there was one."

MR. PAUL: I was at dinner last night with Leon,
and he said, The President has had something written
for several days there," and I don't know whether he

meant a message or--

H.M.JR: It was a message; I saw it. It was a

message to Congress.

MR. PAUL: That clears that up then.
H.M.JR: But Leon hadn't seen any Executive

Order, had he?

MR. PAUL: No, that is what I couldn't tell.

He was just talking along, and this was kind of

incidental, and I couldn't tell whether he was refer-

ring to an order or a message, but whatever it was,
he said it had been there for several days.

H.M.JR: It was a message. I told him that the
President told me I could see the Order before it
was in its final form, that Bernstein was here and

156

-4available, and at the Judge's disposal. I explained

to him about what you (Paul) were going to be in the
future. That seemed to please him very much, and I

also told him that if they got along anywhere during
the week end I would like to know, see?

So Bernie will hear from Judge Rosenman, see?

Now, the point that I am making - I don't know whether

you want to get in on this thing or not. That is the
point.

MR. PAUL: I may as well get in on the fringe of
it because we just finished our preliminary session

with the Senate Committee and I may as well break into
some of this stuff I know nothing about.

H.M.JR: Well, anyway, I told them that Bernstein and if he calls you and you want to go over with him

when he goes over to Sam, that is up to you.
MR. PAUL: You will get in touch with me?
MR. BERNSTEIN: Sure, I will.

H.M.JR: Is that - I mean, I am moving very fast
because I want to get out of the office, but-MR. PAUL: That is fine as far as I am concerned.

H.M.JR: Is that all right with you?
MR. PAUL: Yes.

H.M.JR: All right. Now, the other gentlemen in
the room are also all very much interested in prices
and inflation, and I would like all three of them kept

posted, and their advice asked and sought as you go

along on this thing. That is why they were invited in
here. They all have done a lot of work on it for a

couple of years, and as we go along - because there is
nothing that is more important to the Treasury than
this, see, Bernard and Paul and Huntington? So as you
go along, would you please let Bell know, and White,
and Murphy, who is here, or Haas.

157
-5MR. PAUL: What about this further idea of

yours, Huntington?

MR. CAIRNS: I found another statute which

specifically named you, which is, I think, preferable

to the one discussed here: "Such regulations and restrictions as may be prescribed by the Secretary of

the Treasury." I think in scope that it may be just

as advantageous, or more advantageous, than section
5-b.

MR. PAUL: Shouldn't we write that up in the same
way?

memo.

MR. CAIRNS: I think we ought to rewrite this
MR. BELL: Use both.
MR. CAIRNS: Use both, yes.

H.M.JR: Judge Rosenman is starting from scratch.

He knows nothing about it. He doesn't bluff. I
could tell from the way the President took it that

he is very much in the dark, because Judge Rosenman

said, "For three weeks they have been talking about

it." He just couldn't believe that there wasn't

somewhere an Executive Order giving the President
the powers.

MR. WHITE: If the President said he intended to
do it by Executive Order he must have had some power

in mind under which he could do it.

H.M.JR: No, you don't know the President. I

mean, you don't know the people around him as well

as I do. I mean they would let him get out on the
end of this limb and he wouldn't have anything.
MR. WHITE: The answer is he doesn't know of

any power he has?

158

-6-

H.M.JR: The answer is I am willing to bet ten
to one that he has nothing in his hand. That is all
the more reason--

MR. WHITE: You fellows have explored all the
powers of the President?
MR. BERNSTEIN: No, I wouldn't put it that way.
I mentioned thi S idea yesterday, and the Secretary
was interested enough in it that we worked that idea

up, namely, the 5-b idea. We didn't attempt to look
up all existing legislation or the commander-in-chi ef
powers. The newspapers indicated that Biddle was
supposed to be working on that problem of canvassing

all existing legislation to see whether the President

had any power under the legislation or under the
Constitution.

H.M.JR: Listen, gents, all I want to do is to
lay the ground for you. I want to get out of here,

and if you want to continue the discussion go into
Mr. Bell's room, will you?
MR. WHITE: Yes.

H.M.JR: But the idea is everybody please put

his brain on this thing - everybody.

159
July 24, 1942.

4:33 p.m.
HMJr:

Harry.

Harry
White:

Yes, sir.

HMJr:

Stimson told me before Cabinet that he'd read

your memorandum and that Hull had sent Herbert

Feis over to see him to discuss it. Hello
W:

HMJr:

W:

HMJr:

I'm listening, sir.
and that both he and Herbert Feis are
reluctant about having special currency.
Did..

Well, I didn't discuss it. I said, "Well,

Stimson, the next move 18 up to you and Hull,
and when you're ready, we're ready."

W:

HMJr:
W:

I see.

I thought you'd like to know.
Yes - 80 that we just stay put.

HMJr:

We stay put.

W:

Yeah.

HMJr:

Okay.

W:

Goodbye.

160
Nathan Straus
630 Sixth Avenue
New York, N.Y.

July 24th, 1942

Dear Henry,

Accept hearty congratulation on
your statement printed in the New York Times

this morning. It is the most lucid analysis
of a complex tax problem that I have ever

read. Please do not trouble to reply.
As ever

Cordially yours,

N.S.

Hon. Henry Morgenthau Jr.
2434 Belmont Road

Washington, D. C.

161
TREASURY DEPARTMENT
INTER OFFICE COMMUNICATION

DATE July 24, 1942

Secretary Morgenthau

TO

FROM

Mr. Murphy HCM

Subject: Recent Changes in Prices and Yields of Government
Securities

During the week ended last night, there was little

movement in the prices of Government securities. Most
issues showed no change or declined 1/32, while no issue
moved more than 2/32. Both the taxable 1-1/2 percent
notes and the 2-1/2 percent bonds of 1967-72 declined 1/32,

closing last night at 100-5/32 and 101-5/32, respectively.

The new 2's of December 1949-51 were unchanged at 100-6/32.

The restricted 2-1/2's of 1962-67 continued unchanged
through the week at 100-8/32 bid and 100-16/32 asked, a
mean of 100-12/32.* This price appears high in view of
the announcement that the issue will be reopened early in
August, but we are informed that bonds can actually be sold
at the bid. As the interest loss which a prospective purchaser of this issue would suffer by awaiting the reopening
would amount to not more than 3/32, the remainder of the
premium must be due to the preference of some purchasers

for early delivery of actual securities. We are informed
that the extraordinarily wide spread in this issue -amounting to 8/32 - is due in large part to the time
required for transfer of registration, during which time
the bond must be "carried" by the dealer.

Prices of short- and medium-term securities continue

substantially below their March 19 levels, reflecting both
amortization of premiums and, in the case of the shorter
issues, real market declines. Prices of longer-term bonds,
however, are generally above their levels of that date.
(See attached chart and tables.)
* Except as otherwise indicated, all quotations given in
this memorandum and in the attached tables are means of
bid and asked quotations.

V

162

Secretary Morgenthau - 2

Certificates of indebtedness improved slightly during
the week. The average rate on the weekly offering of bills,
which was increased to $350 millions, rose fractionally to
0.368 percent.

Purchases by the Federal Open Market Account during

the week were unusually light, totaling only $7 millions,
and consisted of $5 millions of bills and $2 millions of
certificates. Sales of bills amounted to $2 millions,
which, with bill maturities of $42 millions, resulted in
a net decrease in the portfolio of $37 millions.

Attachments

163

Table II

Price and Yield Changes of United States Securities
March 19, 1942 to July 23, 1942

(Based on mean of closing bid and asked quotations)
Yields

Prices
Security

March 19, 1942 July 23, 1942

Change

March 19, 1942

July 23, 1942

Change

(Percent)

(Decimals are thirty-seconds) 1
TAXABLE SECURITIES

101.28
101.04
-

2-1/2
2-1/4
2-1/2

2-1/2

6/15/62-67

2-1/2 9/15/67-72

-

12/15/49-51

100.12
103.23
101.06
103.05

101.04
100.10
100.08
100.06
100.02
103.31
101.06
103.04

100.27

100.12
101.05

101.04
101.11
101.04
101.03
101.16
101.10
100.27
101.16
101.00

100.09
100.19
100.22
100.23
101.00
100.28
100.15
101.03
100.18

103.21
104.06
105.06
108.11
106.06
105.28
110.08
107.28
108.08
115.20
104.23
107.28
107.07
104.21
110.22
106.16
106.20
108.18
110.20
104.29
103.10
104.28
110.00
109.10
109.12
110.00

102.16
103.02
104.06
107.07
105.14
105.04
109.02
106.31
107.12
115.01
104.15
107.16
106.28
104.16
110.18
106.16
106.28
108.22
110.20
105.07
103.18
105.15
110.14
109.21
109.30
110.14

.88

.84

.98
-

-.24
-.26

-

+.12
+.12

1.95
-

-.10

+.14
+.16

1.79

1.67
1.83

+.08

+.19
+.12

1.18
1.46

1.02

-

taxable Bonds

.56

-

12/15/46

-

1-1/2

100.05

37

.76

-

99.08
99.11

99.21
99.29

-.08
-.08
-.13
-.18

-

1.96

1.96

-

-

100.04
99.23

100.12
99.31

.41

.60

-

-

taxable Notes

-

-

5/8

100.024
100.014

-

11/1/42
2/1/43

+.17

.37

-

-

certificates
1/2%

.20

-

-

ills
Average rate last issue

1.97
1.99

-

+.03

2.09

2.04

-.05

2.12
2.23

-.01

2.48
2.44

-.02

.00

.00

2.12

-.01

2.24

+.10

2.46

-.27
-.24

5/32*
2/32*

.05
.24

22

.35

.26
.26

.37

TAX-EXEMPT SECURITIES

holly Tax-exempt Notes
1-1/8
1

1-1/8

6/15/44
9/15/44
3/15/45
Tax-exempt Bonds

3-3/4

10/15/43-45
4/15/44-46
12/15/44-54
9/15/45-47
12/15/45
3/15/46-56

3-1/8
4-1/4

6/15/46-49
10/15/47-52

2-1/2

5/46-48

12/15/47

2

2-3/4
2-1/2

3/15/48-51
9/15/48

3-1/8

2-1/2
2-1/2
2-3/4
2-1/4

9/15/50-52
6/15/51-54
12/15

2

2-1/4
2-7/8
2-3/4
2-3/4
2-3/4

58-63

12/15/60-65

Treasury Department, Division of Research and Statistics.

Decimals in prices of certificates are cents.
Excess of price over zero yield.

-.14
-.12
-.16
-.14
-.12
-.13
-.14
-1.05
-1.04
-1.00
-1.04

-.24
-.24

-1.06
-.29
-.28
-.19
-.08
-.12
-.11
-.05
-.04
.00

+.08

+.04
.00

+.10

+.08
+.19

+.14
+.11

+.18

+.14

-5/32#
4.13
+.11

37

.50

39

.49

+.14
+.13
+.13
+.10

.41

.54

+.13

.41

.57

.34

.40
.47

.57
72

.91
.94

.90

1.11

1.09

1.13
1.33
1.15

+.16

.74

+.17

.80
.94

+.08
+.03

.99
.96

+.06

1.20
1.16
1.18

+.07

1.27
1.14

1.38

1.36

1.33
1.28
1.65
1.60
1.66

1.33
1.27

1.60

1.74

1.57
1.60
1.69

1.78

1.74

1.70
1.68
1.80
2.00
2.01
2.07
2.10

1.94

1.65
1.64
1.74
1.97
2.02
2.07

+.05
+.09
+.05

-.06
-.01
-.02
.00

-.01
-.05
-.03
-.06

-.05
-.04
-.05
-.04
-.06
-.06
-.04
-.05
-.03

July 23, 1942.

164

Table I

Price and Yield Changes of United States Securities

July 16, 1942 to July 23, 1942

(Based on mean of closing bid and asked quotations)
Yields

Prices

Security
TAXABLE SECURITIES

July 16, 1942

July 23, 1942

-

-

11/1/42
2/1/43

1/2%
5/8

rable Notes
3/15/43
9/15/44
12/15/45
3/15/46

1-1/2 12/15/46
xable Bonds

3/15/48-50
6/15/49-51
9/15/49-51

2-1/4
2-1/2
2-1/2
2-1/2

3/15/52-54
6/15/52-55
3/15/56-58
6/15/62-67
9/15/67-72

July 16, 1942

(Decimals are thirty-seconds) 1

11a

Average rate last issue
ificates

Change

July 23, 1942

Change

(Percent)

-

.36

.37

+.01

43

.41
.60

-.02
-.01

.56
.88

+.01

100.019
100.008

100.024
100.014

+.005
+.006

.61

100.04
99.24
99.09

.00

.56

-.01
-.01
-.01
-.01

.87

.96

98

1.17

1.18

+.02
+.01

100.06

100.04
99.23
99.08
99.11
100.05

1.46

1.46

.00

101.05
100.10
100.08
100.06
100.03
104.00
101.05
103.04
100.12
101.06

101.04
100.10
100.08
100.06
100.02
103.31
101.06
103.04
100.12
101.05

-.01

1.78
1.95
1.96
1.97

-.01
-.01

1.99

1.79
1.95
1.96
1.97
1.99
2.04
2.12
2.23

+.01

.00
.00
.00

2.48

2.48

-.01

2.44

2.44

.00
.00
.00
.00

100.10
100.20
100.22
100.22
101.00
100.28
100.15
101.03
100.18

100.09
100.19
100.22
100.23
101.00
100.28
100.15
101.03
100.18

-.01
-.01

.08
.23

.05
.24

+.01

102.18
103.03
104.06
107.07
105.12
105.03
109.04
107.00
107.12
115.00
104.16
107.17
106.29
104.15

102.16
103.02
104.06
107.07
105.14
105.04
109.02
106.31
107.12
115.01
104.15
107.16
106.28
104.16
110.18
106.16
106.28
108.22
110.20
105.07
103.18
105.15
110.14
109.21
109.30
110.14

99.12

+.01
.00

.00

2.04
2.12
2.23

.00

.00
.00

.00
.00
.00

TAX-EXEMPT SECURITIES

1

Tax-exempt Notes
9/15/42
12/15/42
1-3/4
6/15/43
1-1/8
9/15/43
1-1/8
12/15/43
3/15/44
6/15/44
3/4
9/15/44
3/4
3/15/45
Tax-exempt Bonds
6/15/43-47
10/15/43-45
1

4/15/44-46
12/15/44-54
9/15/45-47
2-1/2 12/15/45
3/15/46-56
6/15/46-48

2-3/4

2-1/2

3-1/8
2-1/2
2-1/2
3/4

2-1/4

6/15/46-49
10/15/47-52
12/15/47
3/15/48-51
9/15/48
12/15/48-50
12/15/49-52
12/1

6/15/51-54

9/15/51-55

2-1/4
2-7/8
2-3/4
2-3/4
2-3/4

12/15/60-65

110.18

106.16

106.28
108.21
110.20
105.07
103.18
105.15
110.15
109.22
110.00
110.15

treasury Department, Division of Research and Statistics.

Decimals in prices of certificates are cents.
Excess of price over zero yield.

-.03
-.02
-.04
-.01

.37

.35

+.01

.41

.37

.00
.00

.41

.40

.47

.47

.00

.00
.00

.50
.49

.50
.49

.00

.00

.54

.54

.00

-.02
-.01

.56

.57
.74
.80
.94

.00

.75

.00

+.01

-.01
-.03
-.03

.00

.83

.00
+.02

1.02

+.01

.99
.96

-.03

.98

-.02
-.01
.00

1.20

1.20

1.16

1.16

.00
.00

1.19
1.28
1.14

1.18

1.36

1.36

.00

1.33

1.33

.00

1.27
1.61
1.57

1.27

.00

1.60

-.01

1.57
1.60
1.69

.00
.00

-.01

1.74

.00

1.65

.00
.00
.00

+.01

-.01
-.01
-.01
+.01
.00
.00

.00

+.01
.00
.00

.00
.00

-.01
-.01
-.02
-.01

.97

1.60
1.70

1.74
1.65
1.64
1.74
1.94
1.96
2.01
2.06

1.27
1.14

1.64
1.74

-.02
-.01
-.01
.00

1.94

.00

1.97
2.02

+.01
+.01
+.01

2.07

July 23, 1942.

165
UNITED STATES TREASURY

VICTORY FUND COMMITTEE
FIRST FEDERAL RESERVE DISTRICT
FEDERAL RESERVE BANK BUILDING
CHAIRMAN

Borrow, MANACHUNETTS

WILLIAM W. PADDOCK
BOSTON MADE

July 24, 1942.

EXECUTIVE MANAGER
JOHN O. STUDIO
BOSTON MADE

DISTRICT COMMITTEE AND
STATE CHAIRMEN
EDWARD K. CHASE
PORTLAND MAINE

NELSON MCDOUGALL
PORTLAND MAINE

NORWIN BEAN
MANCHESTER N. H.
MARRY J. PELMEN

CONCORD N. H.
CHARLES L LEBOURVEAU

WHITE RIVER JUNCTION VY.
D. ARNOLD SKILLY
URLINGTON. VT.

ERT T. ARMITAGE
BOSTON MASS
LAURENCE R CONNOR

Honorable Henry Morgenthau, Jr.,

Secretary of the Treasury,

Washington, D. C.

Dear Mr. Secretary:

In compliance with the request contained in
your telegram of July 7,1942, there is quoted below a
summary of the views of the Victory Fund organisation

of the First Federal Reserve District as to the type of

issue the Treasury should offer during the month of
August and suggestions for the next three months period,
prepared by Mr. J. O. Stubbs, Executive Manager of the
Committee:

PITTEFIELD MASS.

ALBERT M. CREIGHTON
BOSTON MASS

JOHN PLINT
BOSTON MASS.

CHARLES E. SPENCER JR.
BOSTON, MASS.

a. BURTON HISSENT
PROVIDENCE R.I.
GODFREY a BIMONDS
PROVIDENCE R.I.

JOHN MCKBON
NEW HAVEN CONN
a. NEWELL

MARTFORD CONN

EXECUTIVE COMMITTEE
W. W. PADDOCK CHAIRMAN
BOSTON MADE

ALBERT T. ARMITADO
BOSTON MADE

HENRY J. NICHOLS
BOSTON MADE

CHARLES E. SPENCER JR.
BOSTON MADE
JOHN O STUDES
BOSTON MADE

"1. It has been predetermined by the
Treasury that the tap 2g% issue due 1962/67
will be reopened in August. The consensus of
opinion is, however, that it should be supplemented by a short (6 to 8 months) certificate
issue.

2. The opinions expressed as to the
procedure over the next three months were predominantly in favor of the following:

a. Periodic drives, three or four
times a year, rather than an attempt to sustain
a steady sales effort day in and day out. A
volunteer organisation will be much more of-

fective in drives of this sort rather than the

new offering which could be announced signalis-

VILICITY ADVISOR
LOUIS W. MUNRO
BOSTON MASS.

-

present method of frequent offerings. A
sufficient preparatory period should be allowed
to perfect details of organisation, mechanics
of procedure and education of solicitors as to
all the aspects of the securities to be offered,
holding back a few details concerning the

ing the start of the drive, drives to last two
to three weeks, depending on amount of money to

be raised. After completion of the drive,

members of organi sation to be permitted to go
about their own business for a month or six

Honorable Henry Morgenthau, Jr.

-

July 24, 1942.

166
weeks before starting to prepare for the next drive.
During this period paid staff and key men of the
organization could be correcting flaws that have
developed and lay plans for the future.

b. During the drive, solicitors should have a variety of
issues to offer, such as:
1. A six to eight months' certificate suitable for
corporation, and other buyers of this type of paper.
2. A medium term issue. This might be a serial
one-ten year issue with different rates for
different maturities, a five-year bond oonvertible at maturity into a higher rate longer
term bond, or an issue similar to the recent
July Treasury issue.

3. A long term tap issue of registered bonds

similar to the outstanding one, primarily for

the insurance market.

4. Most important, an issue which would be available for purchase by all types of investment
buying covering the whole Held of institutions,
banks, trusts and individuals.
In order to insure a wide sale, this bond should
incorporate the following features:

a. Full negotiability at all times. There is

very real sales resistance to any restrictions
covering resale of bonds.

b. In coupon form with six months' interest payments with the privilege of registration.
Individuals, particularly, are adverse to
registered bonds for obvious reasons.

O. Complete freedom for hypothecation. Inability

to use securities as collateral naturally
hurts their sale.

d. Acceptance at par for payment of inheritance

taxes after the cessation of hostilities.

Although there have been many suggestions as to interest rates,

we feel that that is a matter completely in the hands of the Treasury
and we have, therefore, prepared this memorandum from the point of
view of merchandising, both in the manner of procedure and type of

security to be sold.'

Respectfully years,

WeePaddock
Chairman.

167
UNITED STATES TREASURY
VICTORY FUND COMMITTEE
SECOND FEDERAL RESERVE DISTRICT

CHAIRMAN

FEDERAL RESERVE BANK
OF NEW YORK

ALDRICH
CORBIN

ALBERT - GORDON
GEORGE L HARRISON

33 LIBERTY STREET
NEW YORK, N. Y.

AUGUST INLEFELO
AGBERT LEMMAN

WALTER MONRO

PERRY E. MALL

WILLIAM c. POTTER

GEORGE RAND

ILENIE MARRIMAN

ALTERATION

FOR MR. RAND

SORDON . RENTSCHLER

JOSEPH RIPLEY
EMIL SCHRAM
TRAPHAGEN

July 24, 1942.

The Honorable Henry Morgenthau, Jr.,
Secretary of the Treasury,

Washington, D.C.

Dear Secretary Morgenthaus

Enclosed is confirmation of a telegram which I sent
to you today, setting forth the views of the Victory Fund Committee of the Second Federal Reserve District, concerning the

Treasury's August financing and its program for the next three
months, as requested in your wire of July 7th.

Yours faithfully,

Washington
Chairman.

/

Enc.

VICTORY

BUY

VICTORY FUND COMMITTEE - SECOND FEDERAL RESERVE DISTRICT.

168

CONFIRMATION OF TELEGRAM

FEDERAL RESERVE BANK
OF NEW YORK

TO BE MAILED

WE HAVE TODAY TELEGRAPHED YOU AS FOLLOW&

July 24, 1942.

MORGENTHAU

SECRETARY OF THE TREASURY

WASHINGTON DC

-

A meeting of the Victory Fund Committee of the Second Federal Reserve

District WELS held July 20th to consider the request contained in your wire of
July 7th for the views of the Victory Fund organisation concerning the Treasury's
August financing and its program for the next three months. Subsequently, the
views expressed by the full Committee, together with views obtained from the
Regional Chairmen, were consolidated by its Executive Committee for submission to

you. They are as follows:
1. It was assumed that the Treasury would have to borrow
approximately $8 billion of new money during the months
of August, September and October, 1942, exclusive of
funds received from the sale of War Savings Bonds, tax
savings notes and increased offerings of Treasury bills.

2. In addition refunding of $2.1 to $2.3 billion of naturing
securities will be necessary during this period.
3. The Committee suggests that these sums be raised on about

the following schedule and with the offerings indicateds
A. August 1st or thereabouts reopen the 2 1/2% Treasury
bonds of 1962-67 to realise $500 to $750 million.
This bond should be issued in coupon (bearer) as well

as in registered form, if possible, and provision
should be made for redemption in case of death,

termination of trust, etc., as in case of Series F and
G Yes Savings Benday and if those changes are made the

outstanting bould of this issue should be brought into
conferently with the now issue. The books for this
issue should be kept open three or four weeks.

B. August 15th or thereabouts offer a one year certificate
of indebtedness in amount of about $1 1/2 billion. It
would be anticipated that eventually the Treasury would
have outstanding approximately $6 billion of such certifieates, saturing is February, May, August and November.

MISC 37 5-35

169

CONFIRMATION OF TELEGRAM

FEDERAL RESERVE BANK
OF NEW YORK

TO BE MAILED
-2-

WE HAVE TODAY TELEGRAPHED YOU AS FOLLOWS:

C. Early September refund $662 to $894 million maturities
of September 15, October 15, and December 15 with a

Treasury note plus a cash offering of the same note to

realise $500 to $750 million. It is suggested that a
three, four, or five year note be considered.

D. Late September or early October offer an issue or issues
of intermediate Treasury bonds totaling approximately
$4 or $5 billion. This would be a step toward larger
less frequent offering and should involve extensive
prior preparation of the market, a selling campaign and
a period of about two weeks for completion of the sale.
If such a program is to be adopted an early decision is
necessary in order to allow sufficient time for adequate
preparation.

E. Late October refund November 1st maturity of $1 1/2 billion certificates of indebtedness with another one year
issue of certificates of indebtedness.
4. General suggestions included the view thats
(a) Limit on Series A tax savings notes should be increased
to $5,000 or $10,000;
(b) The interest rate on Series B tax savings notes should
be increased to .72 of 15,

(c) The Victory Fund Committee if given responsibility for

sales of Series F and G Mar Savings Bonds as well as
market and semi-market issues, would be able to concern-

trate sales effort more effectively;

(d) Market bond issues under war financing conditions should

be limited to fixed maturities without option of prior

payment by the Treasury.

The Victory Fund Committee had available to it, in considering your re-

quest for its views, the report submitted to you by the principal member banks in
New Into City presenting their suggestions as to the general outlines of a desirable
Treasury financing program. The Victory Fund Committee deemed the general principles
suggested by the New York City banks to be constructive, and expressed satisfaction

that its - for Treasury financing during the next three months are

/ these general principles.

Allen Sproul,

Natare -

R

170

E

A

S

U

R

Y

T

E

L

E

G

R

A

W62WASH LONG B126 NY 24-1235P
MORGENTHAU

A MEETING OF THE VICTORY FUND COMMITTEE OF THE SECOND FEDERAL RESERVE

DISTRICT WAS HELD JULY 20TH TO CONSIDER THE REQUEST CONTAINED IN YOUR
WIRE OF JULY 7TH FOR THE VIEWS OF THE VICTORY FUND ORGANIZATION
CONCERNING THE TREASURY'S AUGUST FINANCING AND ITS PROGRAM FOR THE
NEXT THREE MONTHS. SUBSEQUENTLY, THE VIEWS EXPRESSED BY THE FULL
COMMITTEE, TOGETHER WITHSTARY WITH VIEWS OBTAINED FROM THE

REGIONAL CHAIRMEN, WERE CONSOLIDATED BY ITS EXECUTIVE COMMITTEE FOR

G

SUBMISSION TO YOU. THEY ARE AS FOLLOWS:

1. IT WAS ASSUMED THAT THE TREASURY WOULD HAVE TO BORROW
APPROXIMATELY $8 BILLION OF NEW MONEY DURING THE MONTHS

OF AUGUST, SEPTEMBER AND OCTOBER, 1942, EXCLUSIVE OF
FUNDS RECEIVED FROM THE SALE OF WAR SAVINGS BONDS, TAX
SAVINGS NOTES AND INCREASED OFFERINGS OF TREASURY BILLS.

2. IN ADDITION REFUNDING OF $2.1 TO $2.3 BILLION OF

MATURING

SECURITIES WILL BE NECESSARY DURING THIS PERIOD.

A

H

171
S

3126 - SHEET TWO

U

3. THE COMMITTEE SUGGESTS THAT THESE SUMS BE RAISED ON ABOUT

THE FOLLOWING SCHEDULE AND WITH THE OFFERINGS INDICATED:

A. AUGUST 1ST OR THEREABOUTS REOPEN THE 2 1/2 0/0 TREASURY

BONDS OF 1962-67 TO REALIZE $500 TO $750 MILLION.
THIS BOND SHOULD BE ISSUED IN COUPON (BEARER) AS WELL

AS IN REGISTERED FORM, IF POSSIBLE, AND PROVISION
SHOULD BE MADE FOR REDEMPTION IN CASE OF DEATH,

TERMINATION OF TRUST, ETC., AS IN CASE OF SERIES F AND
G WAR SAVINGS BONDS; AND IF THESE CHANGES ARE MADE THE
OUTSTANDING BONDS OF THIS ISSUE SHOULD BE BROUGHT INTO
CONFORMITY WITH THE NEW ISSUE. THE BOOKS FOR THIS
ISSUE SHOULD BE KEPT OPEN THREE OR FOUR WEEKS.

B. AUGUST 15TH OR THEREABOUTS OFFER A ONE YEAR CERTIFICATE

OF INDEBTEDNESS IN AMOUNT OF ABOUT $1 1/2 BILLION. IT
WOULD BE ANTICIPATED THAT EVENTUALLY THE TREASURY WOULD

HAVE OUTSTANDING APPROXIMATELY $6 BILLION OF SUCH CERTIFICATES, MATURING IN FEBRUARY , MAY , AUGUST AND NOVEMBER.

26 - SHEET THREE

172
A

C. EARLY SEPTEMBER REFUND $662 TO $894 MILLION MATURITIES
P

OF SEPTEMBER 15, OCTOBER 15, AND DECEMBER 15 WITH A

H

TREASURY NOTE PLUS A CASH OFFERING OF THE SAME NOTE TO

REALIZE $500 TO $750 MILLION. IT IS SUGGESTED THAT A

T

R

THREE, FOUR, OR FIVE YEAR NOTE BE CONSIDERED.
E

A

$

D. LATE SEPTEMBER OR EARLY OCTOBER OFFER AN ISSUE OR ISSUES

U

R

OF INTERMEDIATE TREASURY BONDS TOTALING APPROXIMATELY

Y

$4 OR $5 BILLION. THIS WOULD BE A STEP TOWARD LARGER

T

E

LESS FREQUENT OFFERINGS AND SHOULD INVOLVE EXTENSIVE
L

PRIOR PREPARATION OF THE MARKET, A SELLING CAMPAIGN AND

E

G

A PERIOD OF ABOUT TWO WEEKS FOR COMPLETION OF THE SALE.

R

A

IF SUCH A PROGRAM IS TO BE ADOPTED AN EARLY DECISION IS

P

H

NECESSARY IN ORDER TO ALLOW SUFFICIENT TIME FOR ADEQUATE
T

PREPARATION.
R

E

A

$

E. LATE OCTOBER REFUND NOVEMBER 1ST MATURITY OF $1 1/2 BIL-

U

LION CERTIFICATES OF INDEBTEDNESS WITH ANOTHER ONE YEAR

ISSUE OF CERTIFICATES OF INDEBTEDNESS.
E

L

G

R

6 - SHEET FOUR

173

H

T

R

E

GENERAL SUGGESTIONS INCLUDED THE VIEW THAT:
A

S

U

(A) LIMIT ON SERIES A TAX SAVINGS NOTES SHOULD BE INCREASED

R

Y

TO $5,000 OR $10,000;
T

E

L

(B) THE INTEREST RATE ON SERIES B TAX SAVINGS NOTES SHOULD

E

BE INCREASED TO .72 OF 1 0/0;

G

(c) THE VICTORY FUND COMMITTEE IF GIVEN RESPONSIBILITY FOR
SALES OF SERIES F AND G WAR SAVINGS BONDS AS WELL AS
MARKET AND SEMI-MARKET ISSUES, WOULD BE ABLE TO CONCEN-

T

TRATE SALES EFFORT MORE EFFECTIVELY;

R

E

A

$

(D) MARKET BOND ISSUES UNDER WAR FINANCING CONDITIONS SHOULD

U

R

BE LIMITED TO FIXED MATURITIES WITHOUT OPTION OF PRIOR
PAYMENT BY THE TREASURY.

E

G

A

T

174

126 - SHEET FIVE

R

E

A

$

U

THE VICTORY FUND COMMITTEE HAD AVAILABLE TO IT, IN CONSIDERING YOUR
R

REQUEST FOR ITS VIEWS, THE REPORT SUBMITTED TO YOU BY THE PRINCIPAL
EMBER BANKS IN NEW YORK CITY PRESENTING THEIR SUGGESTIONS AS TO THE
ENERAL OUTLINES OF A DESIRABLE

TREASURY FINANCING P PROGRAM.

HE VICTORY FUND COMMITTEE DEEMED THE GENERAL PRINCIPLES SUGGESTED BY

G

HE NEW YORK CITY BANKS TO BE CONSTRUCTIVE, AND EXPRESSED SATISFACTION
HAT ITS RECOMMENDATIONS FOR TREASURY FINANCING DURING THE NEXT THREE
ONTHS ARE CONSISTENT WITH THESE GENERAL PRINCIPLES.
ALLAN SPROUL,

CHAIRMAN, VICTORY FUND COMMITTE A
$

SECOND FEDERAL RESERVE DISTRICT.
U

R

Y

175

FEDERAL RESERVE BANK
OF

PHILADELPHIA
OFFICE OF THE

PRESIDENT

July 18, 1942

The Honorable Henry Morgenthau, Jr.,
Secretary of the Treasury,
Washington, D. C.

My dear Mr. Secretary:

Upon receipt of your telegram of July 7, I asked each of the twelve
Regional Members of the Victory Fund Committee in this district to obtain the
views of their County Chairmen concerning the forthooming Treasury financing
and to be prepared to discuss the subject in a private meeting scheduled for
Wednesday, July 15, at this Bank. This meeting was held as planned, with Mr.
George Buffington attending. Permit me to say that it was a real pleasure to
have had Mr. Buffington with us. His presence added greatly to the interest
and enthusiasm of every one of us and he was most helpful in exploring the
various phases of the fiscal problems confronting the Treasury and in searching for effective solutions.
We also have conferred on the usual confidential basis with responsible officials representing commercial banks and trust companies, mutual savings banks, and insurance companies to obtain independently their views on the
types of issues most appropriate to meet Treasury requirements during the next
three months. This was done in a desire to cover our market discreetly yet as
comprehensively as possible in view of the magnitude of the task ahead of us.

The results of our inquiry may be summarised in two parts: (1) Comments and suggestions relating to various issues that the Treasury might offer
during the next three months in the light of prevailing conditions in the market, and (2) specific recommendations month by month for your consideration.
Componts and suggestions.

1. Increased supply of short-term securities.
It was the general consensus that the weekly offerings of Treasury
bills might be increased gradually to $400 million a week in August and to
$500 million in September. with the continued efforts of the Federal Reserve
Banks, assisted by the Victory had Bonsittees, the market for the bills can
be broadened further in order to relieve pressure on money centers, to increase
the effectiveness of short-term perplus funds, and to aid the Treasury in meeting its current needs. Our own admentional attempt shows that considerable interest can be aroused in the bills as a means of liquid investment for surplus
bank funds and that the outlook for continued interest is reasonably good.
his

FEDERAL RESERVE BANK OF PHILADELPHIA
PAGE NO.

TO The Honorable Henry Morgenthau, Jr.

176
7/18/42

Similarly, we believe that Certificates of Indebtedness could be
utilized to good advantage in spite of recent weakness in the market. These
certificates are looked upon with favor in our district and we know of no

disposition on the part of investors to sell them for profit. Over a suit-

able period of time the supply of these certificates might be increased by
$5 billion. Moreover, our experience with the certificates does not indicate
valid objections to an increase in supply on a quarterly basis. Taking into
account the maturity spacing of the two certificate issues now outstanding,
another issue of the certificates due in May 1943 might well be offered in
August.

It is believed that, together with the Treasury's 27% registered

bonds, due 1962-67, to be soon reoffered, Certificates of Indebtedness would
meet the Treasury requirements during August. of course, as an alternative,

Treasury Notes could be offered, but the difficulty with this suggestion is
that there seems to exist some unbalance in the market with respect to the
notes, particularly the 13% issue due in December 1946, and it would appar-

ently take some time to correct the situation. Nor would it be advisable to

offer in August any intermediate bond issue for the obvious reason that some
time should be allowed to elapse for market adjustment incident to the issue
just completed.

2. The Treasury 23% Registered Bonds due 1962-67.

The views on this issue in our district are mixed. It is generally
felt that these bonds are designed primarily for insurance companies and sayings banks. The representatives of our insurance companies indicated that
they would be interested in this issue but not to the same extent as they were
when first offered. Mutual savings banks, on the other hand, expected to increase their purchases over the amount they bought last time. Outside of these

two sources, it was believed that the market for this issue is limited, prin-

cipally because of the rate differential between these bonds and open market

issues of longer maturity and the restriction that arises from registration.

The consensus was that if $500 million could be obtained through these bonds
during August it would be worth the effort. Members of our Victory Fund Committee are prepared to push this issue to the utmost, exphasising patriotic
reasons to offset or minimise such objections as may be raised on business

grounds.

3. Short. nonmarketable Treasury notes.
The majority favored a new issue designed principally for the employment of business funds, rising primarily from surplus earnings, liquidation of
assets such as receivables and inventories, and depreciation accruals. Trust,
estate, and a great variety of public funds can be more readily attracted through
such an issue than through bills and certificates. The principal argument in
favor of this issue is that it would meet the needs of those who will invest

funds only in a security that is liquid and is not subject to market fluotus-

177

FEDERAL RESERVE BANK OF PHILADELPHIA
PAGE

NO.

3

TO The Honorable Henry Morgenthau, Jr.

7/18/42

tions. This is important from the standpoint of merchandising and reaching
available funds of all types. As to the amount of funds of this type available, the only way to find out is to seek them out through suitable offer-

ings. An addition of one or two more new issues would hardly complicate the
present securities structure inasauch as there are already some 75 varieties
outstanding. The sale of such a short-term issue could be vigorously pronoted on a selective basis by the Victory Fund Committee. The books could be
kept open indefinitely as in the case of War Savings Bonds. Several members
of the Committee cited examples of available funds from business concerns in
their regions and believed that they could attract these funds if they had
suitable securities.

Such an issue could well be offered in August but if not in August it

should then be seriously considered for October. September would be inopportune
because of the quarterly instalment due on income taxes. The principal features
of this issue may be as follows:
Maturity:
Issue price:

3-5 years.
$100.

Not callable but redeemable after 30
days from issue date upon 60 days
notice, at par and accrued interest,

Redeemability:

except no interest will be paid if

held less than 6 months.

Marketability: Not negotiable, but eligible as collateral.
Limitation:

None on the amount of ownership.

Denomination:

$1,000 and over.

As follows:

Rate:

Years held
6 months..
1 year
1g years.
2 years

2g years.
3 years.
Average.

Rate
1/2%

3/4"
7/8"
1"

1/8"
1 1/4"

1

.90%

Years held

Rate

32 years.
4 years..
4s years..

1 1/2"
1 5/8"

1 3/8%

5 years.. 1 3/4"
Average

for 5
years.. 1.1175%

The rates suggested here are not out of line with those in the open
market and are not likely to disturb the existing short and intermediate term
rate structure.

The only possible conflict might be with the Tax Savings Notes. To
meet this, the rate of Series B Tax Savings Notes could be adjusted to the rates
now prevailing in the short-term market. The sale of Tax Savings Notes should

be promoted vigorously by the Victory Fund Committee.

178

FEDERAL RESERVE BANK OF PHILADELPHIA
PAGE NO. 4

TO The Honorable Henry Morgenthau, Jr.

7/18/42

4. War Savings Bonds.

It was the consensus that the lack of greater success than has been
achieved in the sale of Series F and G War Savings Bonds is largely attributable to two factors: (1) Shortoomings in the organisational set-up and selling
methods, and (2) certain features of the bonds themselves, particularly the
discount feature of Series G. Difficulties have been cited in connection with
Trust funds wherein a minor comes of age and desires to redeem the bonds. Payment in this case is accomplished by partial refunding of prior interest paid
through deduction from the principal amount redeemed. This feature is complicated and the payment of less than par for early redemptions other than in the

event of death, is generally distasteful. Psychologically, it is a deterrent

to sales. It was suggested that some of the objections to Series G could be
removed by eliminating the discount feature and providing for gradually rising

rates on successive coupons.

It was also suggested that a supplemental bond might be offered on an
open-end basis to be on sale continuously. It might be similar to the G Bond
except that it could be sold at par, made redeemable at par and carry a low

rate of interest. It was agreed that the entire subject of War Savings Bonds
should receive renewed consideration by the Treasury if the sales are to be
built up and maintained.

Specific suggestions.
Compilations below are rough approximations based on the assumption

that weekly offerings of Treasury bills are increased to $400 million in August

and to $500 million in September, and that war expenditures are increased as
indicated by the present trend.
August financing
Total requirements
Regular borrowing - trusts, war savings,
tax notes and Treasury bills
Additional issues

Billion
$4.4
2.2

$2.2

Suggested:

(a) 2% bonds, 1962-67, open-end.
(b) Short-term, nonmarket, open-end issue,
or

3/4% Certificates of Indebtedness, due May 1943.
September financing
Total requirements

Regular borrowing - trusts, war savings,
and Treasury bills
Additional issues

$2.6
2.0
$.6

179
FEDERAL RESERVE BANK OF PHILADELPHIA
7/18/42

TO The Honorable Henry Morgenthau, Jr.

PAGE NO. 5

Billion
Suggested:

1-1 1/4% Treasury note, due September 1945.
October financing
Total requirements

$5.1

Regular borrowing - trusts, war savings,
Treasury bills, tax notes
Additional issues

2.0
$3.1

Suggested:

(a) Short-term, nonmarket, open-end issue.
(b) 2% bonds, 1962-67, open-end.
(c) 2 1/8-2 1/4% bonds, 1951-53, or 1953-55.
Conclusion.

We believe that the financing program suggested here is feasible and

will meet the requirements of the Treasury. The views in this district are
that the general program should include types of issues that will meet welldefined needs. The Victory Fund Committees can then exert vigorously intelligent efforts in the marketing of Treasury securities, particularly if issues
could be publicized several days in advance of subscriptions. A definite policy
expressed in appropriate issues will contribute substantially to the solution

of fiscal problems.

The greatest problem is how to arouse the public to realize the seriousness of the war situation. Probably national drives of the former Liberty Loan
type extended over a few weeks several times a year might serve as a general

stimulus not only to the sale of all kinds of Treasury securities but also to
public morale. Some such program might accomplish desirable results and give

Committeemen respite from monthly drives.

We greatly appreciate the opportunity of sharing these comments and
suggestions with you and hope they will be of some value to the Treasury.
Sincerely yours,

lefred ithilliam

180
"A good market on which business can be transacted

frequently is the best method to obtain and perpetuate

placement on an investment basis.

"In dealing with large investors, one cannot violate
two time tested principles of sound investment practice,
1. .. quick marketability, emergency collateral value,
and get results even though the actual exercise of
those privileges would be exceedingly remote. In
summation, offer marketable coupon bonds with optional

registration privileges to all experienced investors,
and use the maturity principle to accomplish the kind
of placement desired."

Another suggestion was that a TAP issue be offered to nature-

say in thirty years, available in coupon form, fully negotiable,

available as collateral, and with three variations as to interest:

1 - A 2% rate for the first ten years, with option at

the end of the ten years of presenting the bond for
payment, or retaining it at the investors option,
the interest rate for the remaining twenty years
to be 24%

2 - A progressive coupon rate over the period of thirty
years to average 2% over the entire period if held
to maturity.

3 - A 25-year bond, with a 2% rate for the first ten
years, and a 3% rate to maturity after that.

Obviously, this suggestion would have many variations,

again, an attempt to give the investor who holds his
bond an incentive to hold it, and not offer for resale.

As a further suggestion - a Government Bond with an annuity

feature so that individuals could be paying in - say for five years,
and then hold for a given number of years, without drawing any interest

at all, and then on an annuity basis receive I Dollars per month for a
given number of months representing accrued interest plus gradual

disbursement of principal.
Lastly, there could be offered Corporations and individual
tax payers, a ten-year Note acceptable for Income Taxes, with a graded
coupon rate, to be of ample inducement to hold them, tenderable for taxes,

181

after having held them - say for three years.
The opinion was unanimously expressed that occasional

conventional type offerings should come in pairs - say a three-year
offering and a seven-year offering, or a two-year offering and a
ten-year offering, so that the salesmen could have an alternative

to offer to suit individual requirements.
The following could be a summary of the issues offered, and
the money raised for the fiscal year 1942-431
War Savings Bonds - all types

$ 12,000,000,000

Long Term 235

9,000,000,000

Maturities from 7 to 10 years

5,000,000,000

Ten-year Notes, receivable for all taxes

6,000,000,000

Short-term issues from 2 to 5 years

6,000,000,000
15,000,000,000

Bank open credit
TOTAL

$ 53,000,000,000

Our whole thesis is an all-out effort to increase sales to
the public, and by "public" we include Corporations, Partnerships,
Trustees, Endowment Funds and individuals. To do this, bonds should
be available as collateral, for at some stage the Banks may be asked
to cooperate in financing the investor who can make - say a 25% down

payment, borrow the rest at Bank, on an agreed formula of installment
payments. Corporations will probably have to be persuaded to work

with smaller cash balances in Bank, buy bonds that are fully negotiable,
and borrow periodically should their depleted cash balance demand it,

instead of the present policy of such large cash balances, that

borrowing at all is completely outside of their plan.

182

The local Committee is amxious to bring its efforts into

uniformity with what is being done in other districts. It will
welcome, as soon as they can be formulated, the Treasury's outline

of what the program of financing is to be for as far ahead as it
can be projected. What degree of pressure is to be put upon the

public, particularly corporations? To what extent is it desired
that part of the financing load be carried by individuals and
corporations pledging their private credit to assume the burden?

Respectfully submitted,

Chairman

Third Regional Committee

Fourth Federal Reserve District
VICTORY FUND COMMITTEE

July 22, 1942

-g-

183
UNITED STATES TREASUR
VICTORY FUND COMMITTEE
Fifth Federal Reserve District

KOWARD c. ANDERSON

FEDERAL RESERVE BANK BUILDING

INSERS

RICHMOND. VIRGINIA

a GRAHAM.

- MD.

as GARLAND.

- MD.

V. FLEMING.
MISTON

July 22, 1942.

LIFFORD FOLGER
UNITOM D.G.

IR MARRIS

- VA.

OC ANDERSON.
KOND VA

DICKINSON
LESTOR W. VA.

ON G. YOUNG

LESTON VA
M MANES
SALEM N.C.
BCKSON

LOTTE N.C.

Dear Mr. Secretary:

OWARDS
NRA #

NO FURMAN Ja..

In response to your telegram of July 7, I am

WILLE

pleased to submit herewith a memorandum containing the

suggestions of the Victory Fund Committee of the Fifth

Federal Reserve District on financing the cash requirements of the Treasury for the three months beginning
August 1, 1942. This memorandum presents the views of

the ten members of the District Committee who met in
Richmond on yesterday.

Sincerely yours,

Samgh teach
HUGH LEACH,

HL:CCP

Enclosure

Chairman, Victory Fund Committee,

Fifth Federal Reserve District.

The Honorable Henry Morgenthau, Jr.,

Secretary of the Treasury,
Washington, D. C.

PRIVTCRY
BUY

EXECUTIVE MANAGER

184

SUGGESTIONS ON FINANCING
TREASURY CASH REQUIREMENTS
FOR THE

THREE MONTHS BEGINNING AUGUST 1, 1942

SUBMITTED JULY 22, 1942
BY

VICTORY FUND COMMITTEE

FIFTH FEDERAL RESERVE DISTRICT

185
Any plan for financing Treasury cash requirements for a three months'

period involves the necessity for an estimate of those requirements. Such an
estimate cannot readily be made even though the estimated budget deficit for the

fiscal year 1943 a.e revised on April 24, 1942, is available. The plan outlined
in this memorandum is based on the probability that the Treasury will require $7

billion and possibly a little more in the three months' period. This estimate
allows for receipts from the sale of special issues to trust accounts, from war
savings bonds, from tax anticipation notes, and from the weekly issuance of $350

million of Treasury bills.
On the basis of the above estimate, the following plan for financing
the cash requirements is presented:
Amount

(In Millions)
1. Increase the weekly issue of Treasury bills from
$350 million to $400 million on August 5, to
provide

2. Reopen the 245 bonds of 1962-67 about August 1,
to provide

$ 650
550

3. Sell in the market in August a Certificate of In-

debtedness with & maturity of one year and a coupon
of 7/8 (a maturity of around nine months and a

coupon of 3/4 is the next choice), to provide

1,500

4. Offer in September & $1,500 million note issue with
a maturity of around two and one half to three years
to refund three issues maturing in September, October and December, amounting to $894 million, or two
separate issues - one for refunding and one for new
money, to provide

600

5. Scll in the market in October a bond with a somewhat longer maturity and a somewhat higher coupon

than the 2% bond issued in July, to provide
Total

3,000

$ 6,300

In addition
to the above, offer during the latter part of August

or the first of September a non-market issue with & maturity

of 2 or 3 years, to remain open indefinitely. It is thought

by some that such an issue might provide at least $1 billion,
but there appear to be no available data upon which a reliable
estimate could be based.

DISCUSSION

186

TREASURY BILLS:

There was formerly little interest in Treasury bills outside of New
York and Chicago, except occasionally for special purposes. However, when the

bill rate rose to around 0.37 per cent there was manifested an increased interest

on the part of banks outside those cities. This interest has been stimulated
somewhat through the efforts of Federal Reserve banks in explaining the advan-

tages of bills as short-term investment paper and also through the action of the
Federal Reserve banks in establishing a 3/8 of one per cent buying rate on all

Treasury bills offered to them. The rise of short-term rates to present levels
has occurred without pressure on the long-term rate and it is thought that the

rate on ninety-one day bills could go to 1/2 of one per cent without affecting
long-term rates. Such a rate would undoubtedly result in a much wider distribution of bills among banks, thus lessening the strain on the principal money markets. Moreover, it would probably attract additional funds from investors other
than banks. This implies that the buying rate of the Federal Reserve banks would

be raised to 1/2 of one per cent with suitable protection to the holders of outstanding bills.

While there has been an increased interest in Treasury bills in the

Fifth Federal Reserve District, it is thought that the distribution is not as
broad as it should be and the Victory Fund Organization is planning to stimulate

the sales of this security.
REOPENING THE 2-1/2% BONDS OF 1962-1967:

It is suggested that this issue be reopened about August 1 and that
it be left open a month. This bond appeals to many insurance companies and to
some other investors because of the 2-1/2% coupon and because of its markets-

bility even though it cannot be purchased by banks; but it is doubted that its

reopening will yield at this time such more than $550 million. It is not likely
that there will be any considerable demand for this issue in the Fifth Federal
Reserve District.

-2-2

187
MARKET FINANCING;

There appear to be at least three plans that could be followed in
raising $1,500 million in August, as follows:
(1) Issue a bond with & somewhat longer maturity and a somewhat higher coupon than the 2 per cent bond that was
issued in July.

(2) Issue a note.
(3) Issue & Certificate of Indebtedness with is maturity of
one year and a coupon of 7/8, or with & maturity of
around nine months and a coupon of 3/4 per cent.

Some banks prefer to hold maturities within & ten-year limit; others
will go to twelve years, or beyond, in order to get & higher coupon. When the
2 per cent bond was issued in July, there were many investors who desired &

2-1/8 or 2-1/4 per cent bond with a longer maturity. It is entirely possible
that another bond issue in August would be a success, but it seems desirable
to refrain from crowding this area BO soon. The amount of new money which will

be needed by the Treasury in September will be relatively small, but the require-

ment for October will probably justify a bond issue of unusual size. By that
time there snould be & good demand for such an issue.

There appears to be little market demand for a note at this time.
Moreover, it is thought that the Treasury might issue a note in September to
refund maturing issues, as follows:
Issue

U. S. Treasury Notes
R. F. C. Notes
U. S. Treasury Notes

Amount

Maturity
September 15, 1942

October 15, 1942
December 15, 1942
Total

(In Millions)
342
320

232

894

If this is done, the Treasury might very well make the note issue large enough
to provide some new money. A favorable market at that time might absorb an

issue of $1,500 million, with a maturity of two and a half to three years. While
the practice of separating refunding from new money issues is generally desirable,

it might be well in this instance to consider one issue for both purposes, in

-3-

188
view of the fact that all three issues maturing in the remignder of the calendar
year aggregate only $894 million. A decision as to the relative aerits of one
or two note issues can be made more appropriately when the time of this financing
approaches and more data on cash requirements are available. It might develop
that the bond issue suggested for October could be offered to greater advantage
during the latter part of September.

There remains for consideration for August financing a certificate of
indebtedness. Since this method of financing was resumed, the Treasury has sold

two $1,500 million issues, as follows:
Maturity

Issue
Issue

Date

A-1942
A-1943

4-15-42
6-25-42

Date

Rate

11-1-42

1/2%

2 -1-43

5/8%

It is thought that the market will readily take another $1,500 million

of certificates, especially if the maturity is long and the interest rate is
higher than 5/8 of one per cent. A maturity of one year and - coupon of 7/8 is
suggested. The next choice would be & maturity of around nine months and u

coupon of 3/4 per cent. In this connection, it might be well for the Federal
Reserve banks to consider the advisability of establishing preferential discount
rates on loans secured by Government obligations maturing within one year.
NON-MARKET ISSUE WITH MATURITY OF 2-1/2 TO 3 YEARS:

The plan of financing Treasury requirements for the next three months

also contemplates the offering of a new special issue in the form of & 2-1/2 to
3 year non-marketable Treasury obligation. It would be the purpose of this
issue to attract the idle funds of various types of business organizations.
Business concerns without war orders are expected to have smuller inventories

and receivables and larger cash balances than usual. In addition, some business concerns will have available reserves for depreciation and depletion which
cannot be utilized in the customary manner. while the proposed issue would not

be marketable, it would be redeemable at par upon sixty days' notice. Its

-h.

189
appeal would be enhanced if it were made eligible as security for loans. All
notes sold during & month would be dated on the first of that month. The issue
would be available to all classes of purchasers except banks receiving donand

deposits, without limit as to amount. The interest rate should be sufficient in
comparison with market rates to attract funds and yet not so high as to disrupt
the short-term market and should be arranged to induce the investor to hold the

security. It is highly desirable that the security be in coupon form, if practicable. There appears to be a growing impatience on the part of investors with

respect to the mechanical difficulties incident to registered securities. Use of
the word "tap" in connection with Government issues should be avoided.
In view of the tremendous sums that must be borrowed to finance the war,

it seems desirable to carry a suitable variety of "merchandise on the shelf."
Any investors prefer the usual types of market issues; others are interested in
guarantee of principal and other special features. Why not give them an oppor-

tunity to buy what they like? There is no way to tell in advance of a trial how
much appeal a given issue would have. To the extent that it attracts funds that

are not invested in bills, certificates, or other types of issues, it would diminish the large amount that must inevitably be borrowed from commercial bunks -- a

result that is greatly to be desired. The Victory Fund Committees are now in a
position to determine the investment appeal of such an issue.
MISCELLANEOUS SUGGESTIONS

It is believed that the sale of tax anticipation notes could be increased, if

(a) the amount of Series A notes which can be purchased and
used in any one calendar year were fixed at $5,000 to
$10,000, and

(b) the rate of interest paid on Series B notes were increased
to 0.72 per cont.
The present limit of $1200 on Series A notes scems much too small and short-term

rates have firmed since the rate of 0.48 per cent was established for Series B
notes.

-5- 5

190
C

0

P

Y

1942 JUL 26 AM 10 25
W25NASH F12 ATLA 28-10A
HENDY MORGENTHAU JR

SECTY OF THE TREAST

RETEL REGRET MISUNDERSTANDING DELAYED OUR SENDING VIEWS ON FUTURE

FINANCING. CONCENSUS or OPINION BREMS TO BE THAT LONG 2 1/2 REGISTERED
ARE SUITABLE FOR PERIODICAL OFFERING. ALSO THAT SOME CONSIDERATION BE
GIVEN TO NEW TYPE OF BOND WITH REDEMPTION FEATURES DESIGNED TO
APPEAL TO LARGE CORPORATIONS WHO MAY HAVE EXCESS CASH.
NCLARIN.

191

FEDERAL RESERVE BANK OF CHICAGO
July 25, 1942
OFFICE or THE PRESIDENT

Honorable Henry Morgenthau, Jr.,

Secretary of the Treasury,

Washington, D. C.

Dear Secretary Morgenthau:

On July 8th I wrote the banks, investment dealers and
Victory Fund Committeemen of the Seventh Federal Reserve District
quoting your telegram and asking for their views with respect to
Treasury financing. Many have responded and I believe good feeling
** S engendered and good public relations served by your request.
Naturally some suggestions are not feasible and others
are too general to be helpful. I an enumerating those which have
substantial support:
1. The following suggestions have been made in connection with
the 2 1/2% issue due 1962-67, known as the "tap issue"

(a) The bonds be issued in bearer form with a provision
engraved on the face that they cannot be held by banks.

(b) The issue be eligible at par for payment of Federal

Inheritance Taxes and those Federal Income Taxes already
accrued and payable after death.

2. Investment bankers unanimously favor a negotiable coupon bond

suitable for funds of investors.

3. An issue maturing in five years is suggested by many banks.
4. Several widely separated banks believe that a 2 1/4% bond in
registered form and maturing in from twelve to fifteen years
would be popular.

5. Substantial sentiment was expressed for an issue which would
pay a rate depending upon the length of time held. This would

provide an incentive for institutional buyers to hold to
maturity. Insurance companies especially are interested in
this type. One important insurance executive suggested a
twenty-five year bond paying two rates of interest; i.e.,
1 1/2% for five years and 3% for twenty years, giving an effective
yield of 2.62% if held to maturity. The issue would be non-negotiable
for five years. The funds of one large insurance company would be
attracted by an issue of twenty year 2 1/2% bonds which would mature

at 110 but only if held to maturity by the original purchaser.

192

RESERVE BANK OF CHICAGO

- Honorable Henry Morgenthau, Jr.

July 25, 1942

O. There are several expressions of sentiment for a lottery

feature, through which drawings would be made every month
of a certain number of E and F bonds, the numbers selected

by the drawing to be paid at par.

7. One large bank suggests that if reserve requirements in
New York and Chicago are adjusted prior to the financing,
it would be feasible for the Treasury to:
(a) Expand the bill market from week to week until 500
million a week is being offered.

(b) Offer early in August a 3/4% certificate issue due

May 1, 1943, but if the bill rate is changed to 1/2 of
1$, a certificate issue should not be offered until such
change has been made effective.

(c) This suggested procedure would care for August requirements and leave the market clear for an offering by the
Treasury of a note issue in September at a price that
would be in line at that time. At present, in the judgment
of this bank, it would appear that a 1 5/8% note due
July 15, 1947 should be worth about a 1.60 basis, or
100 1/8. Perhaps in September this issue would bring
100 1/4. Another possibility in September would be a
1 3/8% note due September 15, 1946 which should sell on

about a 1.32 basis or about 100 10/32.

(d) Treasury has 342 million 2% notes due September 15, 1942.

By holding the note issue off until September, the Treasury
could at the same time offer an exchange for this September

maturity.

8. One outstanding trust company has recommended that a non-market

risk, short term security be issued with maturity not to exceed
five years, redeemable after six months and carrying progressively
higher interest rates for each six months period held by the
purchaser. It believes that if such an issue would be eligible
as collateral to secure trust deposits under the Trust Acts of
the various states and for borrowing at commercial banks, many
institutions would purchase the issue in large amounts.

9. One outstanding mutual life insurance company has the following
recommendations:

(a) Issue longer term Treasury Bonds with interest rates higher
than 2%

(b) Issue Treasury Bonds at present yield rates:

193

FEDERAL RESERVE BANK OF CHICAGO

July 25, 1942

-3 Honorable Henry Morgenthau, Jr.

1. Noncallable and payable, however, at a premium above

par at maturity if held to maturity from date of issue
by the original subscriber.

2. If callable and so held to bear a higher rate of interest
from the first call date at par to the maturity date.
10. Several have indicated that such a gradually scaling up of
the yield as maturities are lengthened would not upset the
market for outstanding issues.
11. Numerous suggestions have been received indicating that an

incentive for institutional investors to hold bonds to

maturity should not be overlooked.

Our Regional Victory Fund Committees have been organized

and are in a position to render efficient service in the sale of any
Treasury issue. They are assisting the State Administrators in every
state in the district in the sale of F and G bonds.
Very truly yours,

engine
P

r

194

Buffington

H

W40G24WASH ( LONG) H46 8TL 25-1027
MORGENTHAU

1942 JUL 25 DM 12 07

RE BUR YOUR TELEGRAM OF JULY 7, FOR AUG FINANCING MAJORITY
OF DISTRICT VICTORY FUND COMMITTEE

FAVORS AN ISSUE OF EITHER CERTIFICATES OF INDEBTEDNESS OR TREASURY

NOTES IN ADDITION TO REOPENING 2-1/2'8 OF 1962-67.
A 3/4 PC CERTIFICATE WOULD BE MORE POPULAR IN THIS AREA BOTH
AMONG LARGE ABD SMALL BANKS THAN THE PREVIOUS TWO CERTIFICATES WHICH
CARREEDXXX CARRIED LOWER COUPONS.

SEVERAL MEMBERS FELT THAT TREASURY BILL

OFFERINGS SHOULD BE INCREASED TO $400,000,000 WEEKLY BEGINNING WITH

THE ISSUE DATED AUG 2XXX 22 WHEN MATURITIES INCREASE TO $250,000,000
ALSO, SOME FAVOR EARLY CONSIDERATION OF REGISTERED SHORT-TERM
VARIABLE COUPON NOTE DESIGNED TO ATTRACT IDLE CORPN FUNDS

THAT ARE NOT BEING CURRENTTY INVESTED IN BILLS OR CERTIFICATES
LETTER BEING SENT AIRMAIL TODAY OUTLINING VIEWS ON FINANCING PROGRAM
DURING NEXT THREE MONTHS

DAVIS.

H

195
FEDERAL RESERVE BANK
OF

ST. Louis
July 25, 1942.
Honorable Henry Morgenthau, Jr.,

Secretary of the Treasury,

Washington, D. C.

My Dear Mr. Secretary:

This is the letter outlining the views of the Eighth

District Victory Fund Committee on the Treasury financing program
for the next three months which I mentioned in my telegram today.
As reported in the telegram, there was general agreement

that a public offering of marketable securities in August should be
either certificates of indebtedness or notes. In addition, there

was considerable sentiment, particularly among the bank representatives, for an increase to $400,000,000 per week in the current

weekly offerings of Treasury bills.

As a basis for making recommendations, it was assumed that

$2 billions would be raised in August and that the necessary financing in September and October will total around $5 billions in
addition to funds raised through War Savings Bonds and Treasury bill
offerings at the present rate of $350,000,000 a week. This amount
could be raised as follows:
September and October Financing

(In millions of dollars)

Additional Treasury bills
Treasury notes (Assuming August

financing in certificates)

Registered short-term variable
coupon notes
Total

$ 550
2,500
2,000
5,050

There was considerable divergence of opinion among the
Committee members with respect to the advisability of issuing a

registered short-term variable coupon note designed primarily to
attract idle corporation funds. On the one hand those favoring such
an issue recognized that it would keep the financing out of the
commercial banks and thus aid in combatting inflation. Also it
would be a type of security that the Victory Fund Committee organiza-

tions are well qualified to distribute and through their efforts it

196
Page 2.

Honorable Henry Morgenthau, Jr.,
Secretary of the Treasury,

July 25, 1942.

Washington, D. C.

might bring in a very substantial volume of funds to the Treasury.
Up to date corporations have not invested in marketable Treasury bills
and certificates to the extent their cash resources warrant. This
has been largely due to their unwillingness to assume even the small
market risks involved, the relatively low interest return on recent
short-term issues, and general unfamiliarity with methods of purchasing Government securities on original offering.

The figure of $2 billions shown for sales of a registered

short-term note which would be "on tap" during September and October

is purely a guess. Unquestionably this amount of funds is available
for investment in such an issue. The main problem is the inertia which

exists among corporation executives that would have to be overcome by

a well-organised, vigorous, and intelligent sales program.

The members who oppose such an issue question its popularity

with corporate investors. While the amount of corporate funds that
might be attracted has perhaps been exaggerated, the only way to find

out definitely is to try the issue. If the results prove disappoint-

ing the offering could be stopped at any time without interfering with
the general Treasury financing program. My personal opinion is that much
of the opposition to this type of issue comes from bankers who are
apprehensive about the temporary loss of deposits resulting from
corporations using their funds to purchase it.
The primary reason for recommending Treasury notes is their

appeal to the banks of the distriot at this time. An increase in
weekly bill offerings and an issue of certificates of indebtedness in
August would fairly well meet the liquidity requirements of the banks
for the time being. Moreover, the recent offerings of Treasury bonds
have been in the intermediate-term section of the list so that it
would appear advisable to avoid that market for a few months. Since
the banks have thus recently acquired substantial amounts of intermediate bonds and very short-term securities, three- to five-year of

notes would fit in well to their portfolios from the standpoint
balanced maturity distribution. The banks also are partial to

a

Treasury notes because they have a fixed maturity rather than an

optional call period. The fact that the Treasury has fairly small

debt maturities in 1947 is another reason for considering a five-year

note now.

197

UNITED STATES TREASURY
VICTORY FUND COMMITTEE
Fourth Federal Reserve District
Federal Reserve Bank Building

CLEVELAND
July 24, 1942.

Chairman

Fleming

Executive Manager

Hugh D. MacBain

Mr. George Buffington,

Assistant to the Secretary,
Treasury Department,
Washington, D.C.

Do r Mr. Buffington: Some time ago, the Secretary suggested that he would be pleased to
hear the views of the various Victory Fund Committees on the type of issues

to be offered for sale in the next several months by the Treasury. In line
with this, the Victory Fund Committee of the Fourth Federal Reserve District
asked representative bankers and securities dealers in this district to
submit their views. As was to be expected, there was no unanimity of
opinion and therefore it is not possible to submit a composite view of this
district. The following views, however, represent the majority opinion:

(1) It was felt by most of the individuals consulted that
it would be very helpful if larger allotmonts in full
were made on now issues of Treasury Bonds and Notes.

In this connection we are developing new outlets for
Government issues and in the case of the recont 2,0 issue,
1949-51, wo experienced some difficulty with inexperienced

buyers in explaining that on their subscriptions they
received only a 52% allotment. We believe that if
subscriptions could be alloted in full up to, say, 250,000,
it would be very helpful. We believe it would do the away
to quite a degree with purchasers trying to guess
success of any issue, and padding their subscriptions

accordingly. This might be a disastrous experience
for a new buyer of Government Bonds.

(2) There was a majority opinion to the effect that the
present time is propitious for a long term Tap issue. sales It

was felt quite strongly, however, that considerable
resistance could be broken down if the 60-day waiting

period before the issue became negotiable, which existed to
in the outstanding issue, were eliminated. Needless salable
say, a Tap issue in coupon form is also much more

than a registered issue.

198

UNITED STATES TREASURY
VICTORY FUND COMMITTEE
Fourth Federal Reserve District
Federal Reserve Bank Building

CLEVELAND
Chairman

Executive Manager

J. Fleming

Hugh D. MacBain

Mr. George Buffington.

-2-

July 24, 1942.

(3) There was a decided preference for a "split" offering,
that is, a Tap issue for part of the desired amount and
a shorter term issue eligible for banks for the remainder
of the desired amount. For that part of the issue
which would be largely bought by banks and corporations,

the Pittsburgh market felt that a ten to twelve year
issue would be readily salable in conjunction wi th the

Tap. The Cleveland area felt that a Certificate of

Indebtedness, say, a ten or eleven month issue, would be
the most attractive from the bank angle in conjunction with

a long term Tap.

Mr. Rowe of Cincinmati, who is Chairman of the Third Area of the Victory
Fund Committee of the Fourth Federal Reserve District, prepared a lengthy
memorandum outlining the various points of view of that Area which he would like
submitted to the Treasury, and it is enclosed herewith.
Very truly yours,
FRD

one

Hugh
4 New Bain
Hugh
MacBain,
Executive Manager.

199

- GOVERNMENT FINANCING

Southwestern Ohio presents the following opinion on "GOVERNMENT

FINANCING* - in response to Secretary Morgenthau's request that
sub-divisions of the nation-side VICTORY FUND COMMITTEE express

themselves on the subject.

The suggestion for the offering to be made in August is a split
between a two-year note and a seven-year bond, with perhaps only the

total to be raised being announced, with allotments to be made on the

basis of subscriptions received. Something other than a reopening of
the long term TAP issue is definitely desired.
In addition to the above specific suggestion, the members of the
Southwestern Ohio Group offer not a composite, but a collection of the

views expressed at the various conferences held on this subject. It was

the general feeling that intelligent consideration could not be given to
individual monthly offerings without taking account of the two-year job
which lies ahead.

Our question is - What kind of financing can be successful

which will raise 875 Billions over the next two years, not counting the
$24 Billions, to be raised by sales based upon 10% of income?
As a premise, let us take $30 Billions as an amount for the Banks

for the two-year period.
Now facing the problem of what kind of bond the public, namely

individuals of large means, corporations, trustees and institutions, would
want or be expected to purchase. The amount involved, namely $45 Billions,

is so huge that four questions naturally arise.

199-A
2 - The second school of thought says: Recognition should

be given both to what is good for the investor of all

classes, and what is wise policy for the Government.
No. 1 above would end up with a large demand

of Series E, F and G and
a turnover
and
large of term
calling for renewal, plus
built obligations, stupendous up by the issuance aggregate issuing short obligation, bonds, more

obligations in addition, mainly of maturities less than
ten years. The minority who are of this belief contend:

(a) - It is not a certainty that money is easy because
of management alone. It is easy because it is
very hard to make money with borrowed money.

Private debts have been liquidated steadily since
1929. We have no foreign competition for money

as we had in the other war. Capital took flight
to this country, etc. etc.
(b) - The program ahead of us of borrowing another

$100 Billions over the next two years Eight inject

a "fear" element, which could upset quotations
badly. Every time a Bank officer decides upon an
additional large purchase of Governments, he has

to a greater or lesser degree a stirring within

him of "fear" about next day's quotations.

(c) - The amount of demand obligations and short term
maturities will grow and grow if the orthodox
pattern is continued, and is there not a market
risk which must be weighed and considered? Is

this risk great enough to call for planning and

devising some method by which we may have a larger

proportion of the new debt really funded?

The above two schools of thought, in our opinion, present the

problem as a whole. If the first school of thought is right, the subject
needs no further discussion. If the second school of thought has merit
in it, we are faced with suggesting a Treasury program designed to give

weight to their contentions.

The minority offer, in order to provide time for a careful
study of what kind of publicly offered bonds can be devised, that will

have proper attraction for investors, and have features which will assist
after market stability, the following suggestions

200

200

1 - Can there be an active quoted market for all of this
additional amount of Government obligations, without

danger to our whole general economy?

2 - How large can the United States Government demand
obligations become?

3 - How large can the total short-term obligations become?

4 - Is it advisable to give the buyers of long maturities
some reasonable assurance of a constant market value
approximating part

The Government may not be able to indefinitely sell enough

bonds to the public, not only to meet its deficit needs, but to
provide funds to buy back, either directly or through its many agencies,
all bonds offered for sale not absorbed by the open market.
It is the opinion of some people that the Defense Bonds or
War Bonds, namely Series E, F and G, constitute and will constitute as
large an obligation to redeem on demand as the Treasury has any right
to have outstanding.

As we see it, the fundamental problem can be stated as two
schools of thought:

1 - One school of thought - a majority of the local Committee
says: The method of Federal borrowing which has been

built up during this whole deficit period can safely be

continued without changing the pattern. We are in a
period of regulated prices; the Government has maintained
easy money, and can continue to do.so, it is wise,

however, for Banks to limit their maturities to ten years
and less, with staggered maturities desirable; the Banks
should provide a tremendous portion of the funds needed

during this fiscal year. Corporations, if they can buy

any bonds, should buy short ones, and rely upon the open

market. Institutions should buy long ones, but the market
on them should not be restricted. It is not necessary nor
advisable now to work up ideas or anything which might be
considered a departure from the orthodox pattern set up

over this period. To depart from the pattern might break

down the entire managed or controlled structure.

.2.

202

For Banks, could not the Treasury Department to some extent

copy the British Deposit Receipt plan, so that Banks could carry some
portion of their loans to the Government under another caption in
their balance sheet than their Government Bond account, with the
advantage of segregating the unquoted portion of Government holdings.

This could be in the form of a revolving credit agreement, with a
large group of Banks participating voluntarily, the amount of each
Bank's commitment to fluctuate upward or downward as their own

deposits shift, based upon a percentage of deposits. As the receipts
would be renewed rather automatically, this should have a fair rate

of interest. This would retard the increase in quoted bonds
outstanding, and give the Treasury Department time to plan open market

offerings. It would also give existing markets more time to digest
outstanding issues.

The open Bank credit might be argued as giving the Treasury too
great power of naming the rate from time to time, and become almost
compulsory upon the Banks. On the other hand, if - for example, 1,000
Banks participate in this open Governmental credit group, they could

choose a group of - say ten Bankers representing all sections of the
country, who would meet with the Treasurer from time to time, and hold
a normal conference between lender and the buyer, and it might become a

salutary discussion of Federal fiscal policies, as is the case when a
group of Banks is formed to handle a Regulation V loan, and certain
Banks undertake what servicing is necessary, and expect to confer from

time to time with the borrower on behalf of the group.

The following suggestion, also from the minority, is an effort

4.

203
Page 3.

July 25, 1942.

Honorable Henry Morgenthau, Jr.,

Secretary of the Treasury,
Washington, D. C.

Should the Treasury not wish to use the short-term market
during the next three months to the extent suggested, consideration
might be given to offering a 2-1/4 per cent bond. Several members of
the Committee recommended such an issue. No doubt it would appeal to

certain individuals who have purchased their limit of War Savings
Bonds and who want an issue with a wider market than is enjoyed by the
2-1/2's of 1962-67, or for one reason or another do not like registered

securities. Also it would find some market from institutional savings.

However, a very substantial amount would be purchased by banks with

the smaller banks particularly attracted because of the higher yield.
In view of the fact that banks will have to be relied upon for a
substantial amount of the now financing over the next year, it is
questionable whether they should be given the opportunity to acquire

on original offering a type of security that is not especially
adapted to bank needs.

Very truly yours,

ClinteChavis
Chester C. Davis,
Chairman, Victory Fund Committee,

Eighth Federal Reserve District.

Via Air Mail.

204

FEDERAL RESERVE BANK
OF MINNEAPOLIS
OFFICE OF

July 18, 1942

PRESIDENT

Hon. Henry Morgenthau, Jr.

Secretary of the Treasury
Washington, D. C.
Dear Secretary Morgenthaus

At a meeting of the Victory Fund Committee of the Ninth
Federal Reserve District held here yesterday, the contents of your telegram of July 7 were discussed, in which you requested such suggestions
as might seem pertinent to the committee for your consideration in connection with the next three months' Treasury financing. I give below
a summary of the conclusions of the committee's discussion.
The committee believes:

1. A higher maximum limit on Tax Anticipation Warrants Series
A and a higher rate on Series B would be helpful.

2. The upper limit for sales of Series F and G Bonds might
well be raised to at least $250,000.
3. Corporations would be attracted by a.3 to 5 year issue

unlimited as to individual subscription, but not available
for purchase by banks. These notes would sell better if
they were made eligible for borrowing at banks.

4. At least one of the larger institutional purchasers favors
a 14-year 21% issue.

5. The reopening of the 21% long term tap issue will be welcome and sales should be in satisfactory volume.
6. Country banks would welcome a "package issue", 1.6., a
serial issue with equal amounts ranging from 1 to 10 years
and sold in units including the same proportion of each

year's maturity. Country banks could use this issue as
the basic part of their bond portfolio and thereafter they
would buy general issues as their funds became available.

One committee member recommended that these package issues

should also be limited to sale in the same package. The

main advantage of this arrangement would be that one-tenth
of the issue would mature each year and this would furnish

BUY

a reliable measure of liquidity.

sup)
JNP:B

Regards, Whith PRESIDENT

205

FEDERAL RESERVE BANK
OF

KANSAS CITY
July 24, 1942

lionorable Henry Morgenthau, Jr.
Secretary of the Treasury

Treasury Department
Washington, D. C.

Dear Mr. Morgenthau:

In response to your wire of July 7, I am glad

to communicate to you the views of the Victory Fund Com-

mittee for this district with respect to the types of issues

which the Treasury should offer during the month of August.
These views were formally adopted at a meeting of the Dis-

trict Victory Fund Committee which was held here on Wednesday

of this week, at which all members of the committee were present except two. Prior to the meeting, the members of the committee had conferred with members of the regional and other

committees in their respective localities, and all views thus

obtained were reported and considered at the meeting. While
some discussion was had with reference to the types of issues
which should be offered during the next three months, it was
agreed that the committee should undertake to make suggestions
only concerning the issues which should be offered during the

month of August.

In formulating their views, the committee assumed

that the August offerings would total approximately two billion dollars, and that the issue of 2g per cent registered

bonds of 1962-67, which is to be reopened, would be included

in that total.

The presumption was indulged that as much as
$500,000,000 may be obtained from the reopening of the 2g per

cent issue, although it was generally thought that this was
a somewhat liberal estimate. For the balance of the financing,
it was the view of the committee that the following two issues
should be offered:

(1) A note issue with a maturity of not to exceed
three years, which would be designed to attract idle corporate and public funds. Such an issue would be registered and nonmarketable, and would remain open for such

period as the Treasury might determine. Without attempting to otherwise specifically suggest its features and
terms, it was agreed that it should be redeemable after
9

RAL RESERVE BANK OF KANSAS CITY

Page 2--lionorable Henry Morgenthau, Jr.--7-24-42.

a specified time from its issue, and thereafter following notice of a fixed number of days. Interest
would be payable semiannually at progressively higher
rates for each six months' period to provide an induce-

mont to purchasers to hold the issue to maturity. It
would not be available for subscription or purchase by
commercial banks but could be purchased by others without
limitation.
It was generally believed that such an issue could
be readily marketed, and that the Victory Fund Organization
would be of great assistance in placing it. Each member of the
committee separately expressed his approvel of an issue of this
type, except one, who stated that he did not favor it.

(2) An issue of certificates of indebtedness, or
a note issue with a maturity of not more than two years.
Either of such issues would be designed primarily for
commercial banks, and the rate on either issue would conform closely to the market rate at the time of offering.
with respect to the 2 per cent bonds of 1962-67,

which are to be reopened, the following suggestions presented
by one of the members of the committee were approved:

"(1) That the Treasury announce the issue by
advertisements in the newspapers in the larger cities,
and, if possible, follow up such advertisements with
newspaper stories. In connection with the advertisements attention should be called to the fact that the
issue is fully marketable after 60 days with the exception that it cannot be purchased for ten years by banks.
Emphasis should also be placed upon the fact that the
bonds, being fully negotiable, would constitute acceptable

collateral. In connection with newspaper publicity, I
think that the Treasury might better obtain this publicity
if press releases were sent not only to the papers but
to key bankers who might, in turn, request the papers to

carry appropriate publicity.

"(2) That members of the Victory Fund Committee
be given selling arguments why the bonds are attractive
rather than having the unattractive features emphasized.

206

DERAL RESERVE BANK OF KANSAS CITY

207

Page 3--Nonorable Henry Morgenthau, Jr.--7-24-42.

"(3) To expedite the actual delivery of the

bonds. AS matters now stand deliveries are in some
cases being held up from 60 to 90 days which makes

it exceedingly difficult to sell such people the

second time."

The committee also was of the view that Treasury
bills should be continued to be offered in such volume each
week as the market would absorb them at or slightly under the
buying rate for Treasury bills which has been established by
the Federal Reserve banks. In that connection, several members expressed themselves as feeling that the rate on Treasury bills has now been pegged by the establishment of the
buying rate by the Federal Reserve banks. It was also suggested that Treasury bills up to some fixed amount remain on
tap at the highest bid price at which bills were awarded on

the last previous offering. It was reported that many individuals and corporations are unwilling to submit bids, but
that they would purchase bills if they-were available in
stipulated amounts at around 3/8 per cent discount.

Bearing on the general financing program, one of the
members of the committee expressly requested that I communicate
to you his opinion that the F and G War Savings Bonds should

be discontinued. He feels that these issues are building up

an enormous demand liability which is potentially dangerous.
In substitution for them he suggested that longer term marketable issues be offered at a rate not exceeding 2g per cent.

On behalf of the Victory Fund Organization for this

district, I express sincere appreciation for the opportunity

and privilege of expressing these views.

Respectfully yours,

us heelly.
H. G. Leedy
President

HGL:FN

208

to meet the desire to issue a long term bond in sisable amounts,
and preserve principal by a device that would provide a continuous
quotation of approximately pars

A Government Bond, with a 50-year maturity, available for
purchase by Corporations, Trustees, Insurance Companies, Endorment

Funds, and other large investors; this bond to be offered as a
TAP issue for the duration of the war in coupon form, with coupon

sheets, similar to interest warrants, payable at a value as
announced periodically. An appropriate formula could be worked out
under which periodically - say every second year for example, the

going rate for long term money of the highest credit in the world
would be reviewed, and if the initial rate on the bonds was shown

to be too high or too low, a rate would be named for the next two
years, similar review and rate naming to be done each two years to
maturity. Proponents suggested that this should insure an approximate
continuous value of par for such an issue of bonds.
They made further comment as follows:

"Obviously, every single detail of an issue of this kind

needs careful study, and the suggestion is made as a broad

outline only.
"With a large number of salesmen in the field, under the
direction of the Victory Fund Committees, selling could a bond

continuously, the Banks and Dealers

be in a position to take modest blocks for
hold them in their own portfolio a

of
resale,
easily
this kind
the salemen
offered
days, a
and
deliver
from
this for
temporary
stock
as few
could

brought in orders day after day, so that this be
great factor in after market stability.

"As additional method to help future marketability, used when this

an be given the privilege of being
taxes. If between
the bond should

bond dates paying also each inheritance might two years drop the to rate getting a slight reviewing ready

it would be attractive to Estates of advanced

years to discount, pay thinking inheritance of having taxes, a and well to rounded individuals Estate with available

cash equivalent for inheritance taxes.

209

"It can be argued that a Bond issue, with an adjustable
coupon rate, would be unsatisfactory to the Treasury

Department, in that its future cost for service on the

issue is unknown. On the other hand, the future cost
for all renewals is unknown, particularly as one looks
ahead - say ten years.

"The power to name the rate, without consulting the lender,
can be argued as smacking of totalitarianism; on the
other hand, a free money market has always in the past
determined money rates, and some of this is now reason
why the free money market in itself would demonstrate any
change in long term money rates which occur."

People we consulted here are unanimously opposed to reopening

the previous TAP issue, on the ground that after market is seriously

affected by registration, the sixty-day clause before offering for
resale, and particularly the fact that with Banks excluded from the
market for ten years, and Banks making an important part of the general

market structure, great fears are expressed about lack of liquidity.
One of those consulted about this TAP issue, made the following
statement:

"The so-called "tap" issue was obviously offered to meet
the anticipated needs of this market. However, the "tap"
issue ran afoul of the traditional orthodox yardstick
for measuring a standard investment. Registration,
sixty-day delayed open market quotations, absolute limitation

as to the permissible field of investment, etc., unintentionally,
but nevertheless, effectively established a barrier to a
maximum accomplishment. It is our belief that placement on
desirable basis, and avoidance of any widespread use of the
a collateral privilege, could have been achieved, and many more
bonds sold, if the mandatory provisions had been eliminated

and length of maturity relied upon to naturally restrain
in a nominal way) by those issue
Further, that

as a pairoff a

would be compensated for by

was purchase of Banks, not intended. (except primarily nominal against the interest limited for contribution whom on amount the the part it of

to the establishment of a better
would time money, make greater quoted market, investment
which, in turn, would foster and encourage
and retention on the part of those who should own the bond.

210
C

0

P

Y

W11G22WASH LNG M7 DLS 23-510P
SECRETARY OF THE TREASURY

1942 JUL 24 AM 9 44

Referring your telegram July 7. After conferring with members
of seven regional Victory Fund Committeess in this District,
I am pleased to give you their views with reference to types
of issues they think the Treasury should offer during next
three months. They believe a short-term tap issue of Treasury
notes, with graduated interest rates, designed to attract
temporarily idle funds held by corporations other than banks,
would be well received in this district. The notes should be
ineligible for purchase by banking institutions but should be
eligible as collateral for bank loans. The committees also
feel that an issue similar to the Treasury 2 1/2 percent
registered bonds, due 1962-67, should be offered and that the

subscription books should be kept open for sometime. A number
of committee members have suggested that it would be desirable
to make these bonds payable at par in the event of the death
of the holder 80 the funds could be used in payment of estate

taxes. There is considerable feeling that a seven to ten year
bond issue would be well received by commercial banks desiring
to invest trust funds. Some interest was expressed in reports
that serial bond issue might be offered, but the discussion
did not indicate that there would be any particular demand in
this district for securities of that type. Securities of the
types mentioned above in addition to Treasury bills, certificates
of indebtedness, tax anticipation notes, War Savings, Savings
bonds, and regular market issues would seem to fairly well
provide for the needs of nearly any investor.
Gilbert 24th

211

W05G13WASH L77 SF 24-446
MORGENTHAU

REURTEL 7TH

FROM INQUIRIES MADE THROUGH VICTORY FUND COMMITTEE GENERAL

CONSENSUS IS THAT G'S AND TAP WILL TAKE CARE OF INTERMEDIATE
ANT LONG TERM NEEDS AND TO BALANCE THE PATTERN THERE IS
CURRENTLY NEEDED A 12-MONTH C OF I WITH ALTERNATIVE OF
NOTE YIELDING 1 PERCENT
DAY.

gion

U

212

TREASURY DEPARTMENT
INTER OFFICE COMMUNICATION

DATE July 24, 1942.
TO

Secretary Morgenthau

FROM

Harold Graves

Mr. Callahan reports that Mr. Arthur Szyk has agreed to
do some cartoons for us.

He will come to Washington within the next week or two
for a conference, and in the meantime will be at work upon
some ideas.

I am assuming that you will want to meet Mr. Szyk when
he is in Washington, and have so advised Mr. Callahan.

want to when see

her can

213

Analysis of Exposure to Payroll Savings Plans
July 18, 1942

Total number
in the
country
(estimated)

Number exposed

to payroll

savings plans

Percent

of total
exposed

Part A - Summary by Number of Organizations Exposed

I. Business organizations
(1) Firms with 5,000 employees or more
(2) Firms with 500 to 4,999 employees
(3) Firms with 100 to 499 employees

479

483

5,064
20,760

6,129
27,024

77

(4) Subtotal - large firms

26,303

33,636

78

(5) Firms with less than 100 employees

94,997

83

#

121,300

#

(6) Total business organizations

99

II. Governmental organizations

III. Grand total

121,300

Part B - Summary by Number of Employees Exposed

I. Business organizations
.

19,445,682

.

(5) Firms with less than 100 employees
(6) Total business organizations

4,842,942

.

(4) Subtotal - large firms

7,805,861
6,796,879

.

(1) Firms with 5,000 employees or more
(2) Firms with 500 to 4,999 employees
(3) Firms with 100 to 499 employees

2,407,652
21,853,334

30,000,000

73

II. Governmental organizations
(2) State and local governments

1,160,838

2,100,000 1
2,700,000

(3) Total governmental organizations

2,118,441

4,800,000

23,971,775

34,800,000 1

(1) Federal Government

III. Grand total

957,603

office of the Secretary of the Treasury,
Division of Research and Statistics.
1 Excludes agricultural employees, military personnel, employees on WPA or NYA or CCC projects,
proprietors, firm members, self-employed, casual workers and persons in domestic service.
Data not available.

46

43

69

July 24, 1942.

214

Firms Employing 100 to 499 Persons Participating in Payroll Savings Plans
(As reported by the War Savings Staff's State Administrators)
State

savings plans

Apr. 18
Alabama

Arizona
Arkansas

Northern California
Southern California

Total

Number of firms with payroll
July 11

149

229

43

61

number

July 18

of firms
(estimated)

229#
64

Percent of total having payroll
savings plans

Apr. 18
52

80

80

64

67

95

100

44

51

53

142

31

512

630

631

631

81

756

883

890

1,178

36

37

99

100

64

75

76

99

100

55

58

113

124

125

125

90

Connecticut

277

345

363

622

45

21

51

51

87

District of Columbia

July 18

285

Colorado
Delaware

July 11

22
2h

66

52

98

34

182

101
186

152

147

186

79

98

100

133

303

334

410

32

74

81

31

31

31

34

91

91

91

1,300

1,692

1,716

2,253

58

75

76

415

593

600

600

69

99

100

Tows

165

201

202

272

61

74

74

Kansas

276

279
184

279*

279

99

100

100

185

313

43

59

266

385

46

67

69

141

198

30

69

71

248

405

44

61

61

1,532

42

53

55

84.0

1,030

67

85

86

689

881

376

93

424

424

89

100

100

63

63

143

Li

4h

44

59

634

635

664

71

95

96

45

45

89

100

100

45

84

91

91
76

Illinois

Indiana

Kentucky

Louisiana

136

Maryland

177

257
137
247

Massachusetts

639

813

Maine

Michigan
Minnesota

Mississippi

179
60

Missouri

472

Montana
Nebraska

40

Nevada

New Hampshire
New Jersey
New Mexico
New York

North Carolina
North Dakota
Ohio

Oklahoma
Oregon

Pennsylvania
Rhode Island
South Carolina
South Dakota

103

112

112
16

21

67

76

14

16

128

145

61

85

88

794

870

53

88

91

93

123

89

463

768

33

38

38

41

8o

93
73

2,060

3,113

3,180

4,257

48

282

409

409

499

57

74
65

19

1,317

1,740

217

218

348

48

62

63

166

77

99

100

97

99

211

273

275

275

1,682

1,982

2,006

2,035

8*

225

226

46

154

335
176

78

71

138

76

133

40

100

25

25

25

21

305

449

44

326

Utah

36

44

Vermont

59

61

61

371

281

365

Washington

234

325

326

134
278

182

186

17

403

407

18

19

84

100
65

68

2M

36

37

82

100

100

63

94

97

97

371

76

98

326

72

100
100

49

29
67

68

272

680

41

59

60

89

95

100

100

100

100

52

94

94

94

27,024

57

75

77

19

2*

Alaska

67

Whi

1,378

506

Virginia

2

2

Total

76

19

1,260

Texas

Railroads

72

14

290
490

Wyoming

82

100

1,126

199

Wisconsin

82

100

19

Tennessee

West Virginia

59

123

2

Georgia
Idaho

6

Florida

49

49

49

15,365

20,374

20,760

July 24, 1942

Office of the Secretary of the Treasury, Division of Research and Statistics.
. Data are for July 11, inasmuch as no July 18 report was received.

215

Firms Employing 500 Persons or More Participating in Payroll Savings Plans
(As reported by the War Savings Staff's State Administrators)

Number of firms with payroll
Apr. 18
Alabama

41

Arizona

Northern California
Southern California

Colorado

Connecticut
Delaware

District of Columbia

Florida

9

Arkansas

Total

Savings plans

State

July 11

number

July 18

of firms
(estimated)

Percent of total having payroll
savings plans

Apr. 18

July 11

July 18

62

62*

83

75

75

11

13

13

69

85

100
77

49

16

16

17

22

73

73

122

125

129

173

71

72

75

121

134

135

142

85

94

95

25

30

30

30

83

100

100

114

125

129

157

73

80

82

68

82

82

15

18

18

22

32

37

37

40

80

93

93

28

32

32

62

45

52

52

86

113

118

120

72

94

98

11

11

11

11

100

100

100

391

437

440

556

70

79

79

Indiana

88

126

127

165

53

76

77

Iowa

22

29

29

39

56

74

74

Kansas

23

24

2he

24

96

100

100

Kentucky

38

48

48

72

53

67

67

18

57

57

Bo

95

95

80

89

89

84

85

Georgia
Idaho

Illinois

Louisiana

29

43

43

76

Maine

48

57

57

60

80

82

96

31

31

38

68

26

29

32

32

142

174

175

129

103

429

31

39

100

75

78

80

80

80

100

32

91

100

208

68

84

84

100

100

100

1,086

70

77

77

129

139

74

93

93

497

83

86

87

432

63

80

82

49
5/4

89

100

100

628

88

93

93

97

63

40
54

48

551

583

585

61

73

73

84

94

94

103

75

75

82

91

91

100

100

100

5
5

5

50

Texas

63

65

64

82

79

10

10

Vermont

12

12

12

Virginia

93

104

105

67

67

Utah

11h

4h

140

45

11

73

12

100

8

49

66

70

127

138

154

138

56

57

56

59

91

91

100

100

99

100

88

88

51

94

94

82

90

64

76

66

36

89

105

2

Wisconsin

100

72

0

412

Tennessee

West Virginia

100

0

South Dakota

Washington

88

0

Rhode Island
South Carolina

82

88

0

Pennsylvania

835

759

98

82

840

5

Oklahoma
Oregon

4

4

North Dakota
Ohio

98

75

32

5

North Carolina

93

4

New Mexico
New York

138

25

24

23

Nevada

New Hampshire
New Jersey

121

121

103

87

5

Nebraska

80

71

303

5

Montana

79

334

5

Missouri

265

283
281

5

Mississippi

282
281

3

Minnesota

237

3

Michigan

93

3

Massachusetts

105

93

84

3

Maryland

50

50

90

100

2

1
1

Wyoming

100
3

Total

100

3

Railroads

100

3

30

Alaska
109

4.864

109

109

5,502

5,543

115

95

6,612

74

95

83

95

84

July 24, 1942

office of the Secretary of the Treasury, Division of Research and Statistics.
Date are for July 11, inasmuch as no July 18 report was received.

#