Harding, W. P. G. (William Proctor Gould), 1864-1930 and Federal Reserve Board, 1914-1935 "The Need for Conservation of Credit." An Address Delivered at Boston before the Massachusetts Bankers' Association, January 8, 1920, https://fraser.stlouisfed.org/title/444/item/7618, accessed on September 28, 2024.