Well may we be proud of our progress to the point of being  of the great segments of this nation’s financial structure. If we are to remain in that position and enhance that standing, we must be alert to the changing world, in which we live and, where sound to do so, move to meet and offset such variations. If we fail, bur influence in the fields of thrift and home ownership will by degrees become lost to the bogus political economy now being foisted on the American public under the guise of one kind of blessing or another. If as executives, we become too. immersed in daily routine, we shall have no time for the type, of thinking, understanding, and play of imagination essential to a full development of our savings associations and of put thrift institutional .business in its entirety. Our planning and put spirits must be projected into the realms of possible but not as yet achieved service. There is no more certain way for demise to come rapidly to any business than to rest content in what it believes to be its accomplishments.