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Happy Presidents’ Day.  I have a few “favorite” presidents, and John Adams always ranks in my top-five spots.  I want to share just a few quotes of President Adams that could have been uttered today by anyone really smart and completely aware of the powers and pitfalls of banks, governments and people:

Modesty is a virtue that can never thrive in public.

All the perplexities, confusion and distress in America arise, not from defects in their Constitution or Confederation, not from want of honor or virtue, so much as from the downright ignorance of the nature of coin, credit and circulation.

Great is the guilt of an unnecessary war.

I have accepted a seat in the House of Representatives, and thereby have consented to my own ruin, to your ruin, and to the ruin of our children. I give you this warning that you may prepare your mind for your fate.

In my many years I have come to a conclusion that one useless man is a shame, two is a law firm, and three or more is a congress.

Banks have done more injury to the religion, morality, tranquility, prosperity, and even wealth of the nation than they can have done or ever will do good.

If you have the day off, enjoy!  I have clients coming in today, and after days and weeks of unwelcome holidays, I will enjoy working this day.

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