"There is a portent of stormy weather ahead to which we had better give heed...No one knows when emergencies will strike...Set your houses in order. If you have paid your debts, if you have a reserve, even though it be small, then should storms howl about your head, you will have shelter for your wife and children and peace in your hearts. That's all I have to say about it, but I wish to say it with all the emphasis of which I am capable."