Harding, W. P. G. (William Proctor Gould), 1864-1930 and Federal Reserve Board, 1914-1935 "Efficiency and Industrial Preparedness." Address before the Alumni Society of the University of Alabama, at Tuscaloosa, May 30, 1916, https://fraser.stlouisfed.org/title/444/item/475480, accessed on December 25, 2024.