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Social security must be achieved by co-operation between the State and the individual. The State should offer security for service and contribution. The State in organising security should not stifle incentive, opportunity, responsibility; in establishing a national minimum, it should leave room and encouragement for voluntary action by each individual to provide more than that minimum for himself and his family.

Organisation of social insurance should be treated as one part only of a comprehensive policy of social progress. Social insurance fully developed may provide income security; it is an attack upon Want. But Want is one only of five giants on the road of reconstruction and in some ways the easiest to attack. The others are Disease, Ignorance, Squalor and Idleness.

I cannot pray, except I sin; I cannot preach, but I sin; I cannot administer or receive the holy sacrament, but I sin. My very repentance needs to be repented of; and the tears I shed need washing in the blood of Christ.

Any proposals for the future, while they should use to the full the experience gathered in the past, should not be restricted by consideration of sectional interests established in the obtaining of that experience. Now, when the war is abolishing landmarks of every kind, is the opportunity for using experience in a clear field. A revolutionary moment in the world’s history is a time for revolutions, not for patching.

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The door of learning should not shut for anyone at 18, or at any time. Ignorance to its present extent is not only unnecessary, but dangerous. Democracies cannot be well-governed except on the basis of understanding.