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    "localId": "1133485",
    "label": "10/13/76 - Dallas Republican Men's Club",
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    "citationUrl": "https://catalog.archives.gov/id/1133485"
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{
    "id": "1133485",
    "sourceUrl": "https://catalog.archives.gov/id/1133485",
    "contentType": "document",
    "title": "10/13/76 - Dallas Republican Men's Club",
    "citationUrl": "https://catalog.archives.gov/id/1133485",
    "collections": [
        "Carla A. Hills Speeches",
        "Speeches"
    ],
    "subjects": [
        "Credit",
        "Economics",
        "Federal aid",
        "Housing",
        "Industries",
        "Presidential campaign, 1976"
    ],
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    "coverageEndDate": {
        "day": 13,
        "logicalDate": "1976-10-13",
        "month": 10,
        "year": 1976
    },
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        "logicalDate": "1976-10-13",
        "month": 10,
        "year": 1976
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{
    "seq": 1,
    "pageIndex": 0,
    "type": "document",
    "url": "https://s3.amazonaws.com/NARAprodstorage/lz/presidential-libraries/ford/grf-0305/656148/1133485.pdf",
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    "ocrText": "The original documents are located in Box 2, folder \"10/13/76 - Dallas Republican\nMen's Club\" of the Carla A. Hills Speeches at the Gerald R. Ford Presidential\nLibrary.\nCopyright Notice\nThe copyright law of the United States (Title 17, United States Code) governs the making of\nphotocopies or other reproductions of copyrighted material. Gerald Ford donated to the United\nStates of America his copyrights in all of his unpublished writings in National Archives collections.\nWorks prepared by U.S. Government employees as part of their official duties are in the public\ndomain. The copyrights to materials written by other individuals or organizations are presumed to\nremain with them. If you think any of the information displayed in the PDF is subject to a valid\ncopyright claim, please contact the Gerald R. Ford Presidential Library.\nDigitized from Box 2 of the Carla A. Hills Speeches at the Gerald R. Ford Presidential Library\nFINAL\nDALLAS REPUBLICAN MEN'S CLUB\nOCTOBER 13, 1976\nI AM so PLEASED YOU INVITED ME TO THE BEAUTIFUL CITY OF\nDALLAS TO TALK WITH YOU.\nSINCE I AM A MEMBER OF THE FORD ADMINISTRATION, AND THE\nPRESIDENTIAL ELECTION IS JUST 20 DAYS AWAY, YOU MIGHT THINK\nMY ENTHUSIASM IN BEING HERE IS SOMEWHAT RELATED.\nYou ARE RIGHT! I USE EVERY OCCASION I CAN TO TELL WHAT\nA FINE JOB PRESIDENT FORD IS DOING,\nOUR OPPOSITION HAS TRIED TO PUT DOWN THE PRESIDENT'S\nLEADERSHIP CAPACITY AND ON THAT ISSUE WE ARE STRONG AND WE\nSHOULD NOT HESITATE TO MEET IT STRAIGHT ON,\nTHE FACT IS THAT PRESIDENT FORD HAS BEEN TAKING BETTER\nCARE OF THIS NATION'S AFFAIRS THAN ANY PRESIDENT IN RECENT\nHISTORY,\nON ASSUMING OFFICE 26 MONTHS AGO, HE LED THIS NATION\nTHROUGH ITS MOST SERIOUS CONSTITUTIONAL CRISIS SINCE THE CIVIL\nWAR AND THEN PROCEEDED TO RESTORE NATIONAL CONFIDENCE IN THE\nINSTITUTIONS WHICH DISTINGUISH OUR FORM OF GOVERNMENT FROM\nTHOSE ENDURED BY A MAJORITY OF THE WORLD'S PEOPLE,\nGERALD\n-2-\nHIS STRONG LEADERSHIP OVER THE PAST TWO YEARS HAS RESTORED\nTHE PRESTIGE OF AMERICA AMONG THE COUNTRIES OF THE WORLD --\nWHILE MAINTAINING PEACE, ENHANCING GOOD WILL, AND STANDING FIRM\nON THE NEED FOR CONTINUED NATIONAL STRENGTH.\nIF ANYTHING CAME THROUGH TO THE AMERICAN PEOPLE, IN LAST\nWEEK'S DEBATE -- IT WAS THE UNARGUABLE FACT THAT THERE IS NOT\nONE SINGLE AMERICAN ON A BATTLEGROUND ANYWHERE ON THIS EARTH!\nWHEN MR. CARTER DUCKED ONE OF SEVERAL TOUGH FOREIGN \"POLICY\"\nQUESTIONS, AND RETREATED TO COMPARING OUR ECONOMY UNDER RECENT\nDEMOCRATIC PRESIDENTS WITH THE ECONOMY TODAY, HE INADVERTENTLY\nOPENED UP A SUBJECT THAT THE AMERICAN PEOPLE WOULD DO WELL TO\nRECALL.\nFOR, THE TRUTH IS, THAT THE RELATIVELY LOW UNEMPLOYMENT\nFIGURES MR. CARTER MENTIONED WERE, IN EVERY CASE, ACHIEVED\nTHROUGH THE ARTIFICIAL STIMULUS OF WAR, AND DEARLY PAID FOR\nWITH THE LIVES AND CRUSHED HOPES OF MILLIONS OF OUR AMERICAN\nPEOPLE! --\n-- AND PAID FOR AGAIN, IN PEACETIME, AS THE NATION\nSTRUGGLED TO RE-ADJUST ITS PRIORITIES -- BOTH ECONOMIC AND SOCIAL,\n-3-\nBUT, YOU HAVE ASKED ME TO TALK WITH YOU TODAY ABOUT HOUSING\nAND THE ECONOMY AND THAT SUBJECT IS BEST APPROACHED BY TAKING STOCK.\nWHERE WERE WE A YEAR AGO? WHAT HAVE WE DONE ABOUT IT?\nWHAT HAVE WE LEARNED?\nNONE OF US CAN FORGET THAT IN 1975, THE MAJOR QUESTION\nMARK WAS WHETHER OUR NATIONAL ECONOMY WOULD SUSTAIN THE FORWARD\nMOMENTUM WHICH WAS THEN ON THE CUSP OF A POSITIVE TURN-AROUND\n-- FROM THE BLEAK AND DEPRESSING 12-MONTH PERIOD OF A TERRIFYING\nRECESSION COMPOUNDED BY AN UNCEASING INCREASE IN THE COST OF\nEVERYTHING.\nINFLATION STOOD AT 12-14 PERCENT. THE UNEMPLOYMENT RATE\nWAS ABOUT 9 PERCENT.\nURBAN REVENUES WERE WAY DOWN, NEW YORK WAS ON THE BRINK\nOF FINANCIAL FAILURE, INDUSTRY WAS DEPRESSED AND THE HOUSING\nSECTOR WAS SUFFERING ITS WORST YEAR IN 3 DECADES,\nON CAPITOL HILL, DISTINGUISHED LABOR AND POLITICAL LEADERS\nWERE PROPHESIZING A NATIONAL COLLAPSE UNLESS WE ENGAGED IN\nMASSIVE FEDERAL SPENDING -- IN THE FORM OF SUBSIDIES --\nPARTICULARLY IN THE HOUSING INDUSTRY,\n-4-\nA PARADE OF POORLY CONCEIVED SPENDING BILLS WERE LITERALLY\nTUMBLING OUT OF THE LEGISLATIVE BRANCH TO FUEL OUR DOUBLE DIGIT\nINFLATION.\nWITH THE SMALLEST PARTY SUPPORT IN CONGRESS IN OVER 50\nYEARS, AND IN THE FACE OF THE SO-CALLED VETO PROOF CONGRESS,\nTHE PRESIDENT HAD THE LEADERSHIP CAPACITY AND POLITICAL SHREWDNESS\nTO BLOCK THE VAST MAJORITY OF THESE MEASURES AND SAVE THE\nTAXPAYERS NEARLY $10 BILLION IN A YEAR ALREADY PRODUCING A DEFICIT\nOVER $50 BILLION,\nOUR FOUNDING FATHERS CONSTRUCTED OUR SYSTEM OF CHECKS AND\nBALANCES FOR VERY GOOD REASON -- AND NEVER BETTER DEMONSTRATED\nTHAN DURING 1975.\nSo, HERE WE ARE -- ONE YEAR LATER.\nTHE NATION AND ITS ECONOMY SURVIVED -- AND THE DELICATE\nHEALTH OF THE ECONOMIC UPTURN, WHICH WE WATCHED so FRETFULLY A\nYEAR AGO, HAS BECOME STRONGER AND STRONGER WITH EACH PASSING MONTH.\nIN ONE SHORT YEAR WE HAVE SEEN:\nPERSONAL INCOME JUMP $83 BILLION; -- OUR GROSS NATIONAL\nPRODUCT GROW BY $200 BILLION; -- RETAIL SALES INCREASE 16\nPERCENT; --- AUTO SALES 38 PERCENT; -- GENERAL MERCHANDISE\n11 PERCENT; -- NEW FACTORY ORDERS UP $17 BILLION.\n-5-\nTODAY, THERE ARE 3 MILLION MORE AMERICANS WORKING THAN\nONE YEAR AGO -- IN SPITE OF A TREMENDOUS INFLUX OF WOMEN AND\nYOUNG PEOPLE INTO THE LABOR MARKET, AND INFLATION HAS BEEN\nMORE THAN CUT IN HALF.\nIN HOUSING -- PERHAPS THE HARDEST HIT SECTOR OF OUR ENTIRE\nECONOMY -- NEW STARTS ARE UP 22 PERCENT OVER LAST AUGUST, AND\n64 PERCENT OVER THE BEGINNING OF 1975.\nWHAT HAVE WE LEARNED?\nWE HAVE COME THIS FAR, NOT THROUGH THE MAGIC OF A BIG\nFEDERAL GOVERNMENT \"SAVE\", BUT THROUGH THE STRONG AND CONSISTENT\nGUIDING HAND OF A PRAGMATIC PRESIDENT.\nAND OUR PROSPECTS FOR CONTINUED GROWTH AND PROGRESS DEPEND\nON MAINTAINING THE STEADY COURSE PRESIDENT FORD SET WHEN HE TOOK\nOFFICE TWO YEARS AGO,\nUNDER PRESIDENT FORD, BASED ON HIS RECORD OF UNDERSTATED\nPROMISES AND HIS PATTERN OF DELIVERING MORE THAN HE PROMISES --\nWE CAN COUNT ON THE FACT THAT INFLATION WILL DROP STEADILY\nDOWN TO 3 PERCENT IN 1980.\n-6-\nWE CAN COUNT ON THE FACT THAT PERSONAL INCOME WILL INCREASE\nBY MORE THAN 10 PERCENT EACH YEAR -- PRODUCING MORE REAL PURCHASING\nPOWER NOT A MERE COST-OF-LIVING CATCH-UP,\nAND WE CAN COUNT ON THE FACT THAT UNEMPLOYMENT WILL CONTINUE\nITS STEADY DECLINE TO LESS THAN 5 PERCENT BY 1980.\nTODAY -- ACROSS THE BOARD -- WE ARE RIGHT ON TARGET WITH OUR\nFORECASTS MADE AT THE BEGINNING OF THE YEAR,\nWHAT WORRIES ME ARE THE REPEATED CALLS FOR MORE GOVERNMENT\nSPENDING PROGRAMS.\nIF WE LISTEN TO MR. CARTER'S PROPOSALS THAT WOULD ADD\n$100 TO $200 BILLION TO A BUDGET THAT IS ALREADY PRODUCING A\nDEFICIT OF OVER $50 BILLION, WE MUST CONCLUDE THAT HE BELIEVES\nTHE \"MAGIC\" OF THE FEDERAL PURSE HAS MORE PULLING POWER THAN\nOUR FREE ENTERPRISE SYSTEM.\nBUT, THE UNVARNISHED EVIDENCE IS THAT THESE BIG SPENDING\nPROGRAMS THWART NEEDED BUSINESS EXPANSION BY DRIVING UP COSTS\nOF DOING BUSINESS.\nTHAT HURTS THE VERY PEOPLE SUCH PROGRAMS WERE SUPPOSED TO\nHELP -- WITH GREATER EXPENSES, EMPLOYMENT CONTRACTION, LAY-OFFS\nAND STILL ANOTHER ROUND OF UNEMPLOYMENT CHECKS.\n-7-\nCERTAINLY, THAT DOES NOT MEAN WE CAN EVER IGNORE THE GREAT\nHUMAN PROBLEMS -- SUCH AS CATASTROPHIC ILLNESS AND UNEMPLOYMENT.\nBUT, PRESIDENT FORD'S SOLUTION DOES NOT CALL FOR A DON QUIXOTE\nCHARGE OF MASSIVE FEDERAL SPENDING TO WIPE OUT THESE ANCIENT\nENEMIES.\nIN HEALTH INSURANCE, FOR EXAMPLE, THE PRESIDENT PROPOSES\nNOT TO FEDERALIZE ALL OF THE HEALTH CARE, BUT, INSTEAD, TO\nINSURE THAT ELDERLY PERSONS WITH MAJOR MEDICAL EXPENSES WILL\nNOT BE FINANCIALLY DESTROYED BY THOSE COSTS.\nAND, THE PRESIDENT'S CURE FOR UNEMPLOYMENT IS THE BEST\nREMEDY KNOWN TO A DEMOCRATIC SOCIETY: TO ESTABLISH A STABLE\nECONOMY IN WHICH EXPANDING BUSINESS AND INDUSTRY, UNDER OUR\nSYSTEM OF FREE ENTERPRISE, CREATES REAL AND LASTING JOBS AND\nA GROWING DEMAND FOR BLUE AND WHITE COLLAR WORKERS AT EVERY\nINCOME LEVEL.\nIN THE HOUSING AREA I AM VERY CONCERNED ABOUT MR. CARTER'S\nCALL FOR THE FEDERAL GOVERNMENT TO SUBSIDIZE THE BUILDING OF\n2-1/2 MILLION HOUSING UNITS A YEAR.\nTHE FACT IS THAT THE PROBLEMS WE HAVE SUFFERED IN HOUSING\nOVER THE PAST 2 YEARS WERE CAUSED IN LARGE MEASURE BY THAT VERY\nPHILOSOPHY WHICH WAS MANDATED BY THE HOUSING ACT OF 1968.\n-8-\nFOR PURSUANT TO THAT AcT, THIS NATION SUBSIDIZED, ANNUALLY,\nMORE THAN 2 MILLION HOUSING STARTS FOR THREE YEARS RUNNING --\nAND GENERATED A BURST OF HOUSING OVERPRODUCTION THAT WE ARE JUST\nNOW WORKING OFF,\nIN THE COURSE OF THIS PRODUCTION EXPLOSION OUR NATION\nABANDONED THOUSANDS OF SOUND, WELL-DESIGNED HOMES IN OUR CITIES\nAND UNDER-UTILIZED ROADS, UTILITIES, AND SEWAGE SYSTEMS ALREADY\nIN PLACE THERE, AS BUYERS HEEDED THE PIED PIPER CALL OF \"NEW IS\nBETTER\". NEIGHBORHOODS ALL ACROSS THIS NATION WERE BLIGHTED\nWITH ROW UPON ROW OF BOARDED-UP HOUSES LEFT TO DECAY,\nAND BECAUSE ALL FACTORS IN AN ECONOMIC EQUATION ARE RELATED,\nTHE ARTIFICIALLY PRODUCED \"BOOM\" LED TO THE INEVITABLE \"BUST\" IN\nHOUSING PRODUCTION, AND RESULTING LAY-OFFS IN THE CONSTRUCTION\nINDUSTRY WHICH HIT US HARD ABOUT TWO YEARS AGO.\nCERTAINLY PRESIDENT FORD HAS SHOWN HIS BELIEF IN MAINTAINING\nREASONABLE LEVELS OF HOUSING PRODUCTION -- AND PROOF IS FOUND\nIN THE GOVERNMENT'S PURCHASE OF MORTGAGES BEARING BELOW-MARKET\nINTEREST RATES, A PROGRAM WHICH HAS BEEN JUDICIOUSLY AND\nEFFECTIVELY USED TO NURTURE RECOVERY OF THE HOUSING INDUSTRY.\n-9-\nTHE PRESIDENT'S HOUSING POLICIES ARE DESIGNED TO ACCOMMODATE\nTHE LOGICAL CALL FOR REASONABLE LEVELS OF STARTS WHILE AVOIDING\nTHE DISASTEROUS CYCLES OF \"ALL OR NOTHING\" THAT HAVE CHARACTERIZED\nTHE HOUSING CONSTRUCTION INDUSTRY EVER SINCE BIG GOVERNMENT GOT\nINTO THE ACT.\nAND HIS POLICIES HAVE WORKED. EVEN IF WE FAIL TO BUILD\nANOTHER HOUSE IN 1976, THIS YEAR -- RIGHT NOW -- WILL BE THE\nFOURTH BEST YEAR ON. RECORD FOR NEW FAMILY STARTS. AND MULTI-\nFAMILY STARTS, ALTHOUGH NOT so QUICK TO RECOVER, JUMPED 48 PERCENT\nLAST MONTH WITH A SUBSTANTIAL JUMP IN PERMITS so THAT WE HAVE\nEVERY REASON TO BE CONFIDENT OF THEIR CONTINUED GAIN.\nIT IS A CREDIT TO PRESIDENT FORD'S POLICY OF WORKING WITH\n-- AND NOT AGAINST -- THE MARKET, THAT THE NEW HOUSING MARKET\nHAS RALLIED so WELL, WHILE AT THE SAME TIME HUD HAS BROKEN EVERY\nPAST SALES RECORD IN RETURNING HOMES TO USEFUL OCCUPANCY, AND\nHAS PREVENTED THE ABANDONMENT OF OTHERS THROUGH ITS NEW RENTAL\nSUBSIDY PROGRAM,\nRATHER THAN RE-CREATE MASSIVE SUBSIDY PROGRAMS TO EXPAND\nHOMEOWNERSHIP OPPORTUNITIES, WHICH TOO OFTEN FORCE TAXPAYERS\nTO SUBSIDIZE THEIR ECONOMIC PEERS, THE PRESIDENT ANNOUNCED IN\nMICHIGAN THREE INITIATIVES WHICH HAVE BEEN UNDER STUDY IN MY\nDEPARTMENT FOR SEVERAL MONTHS.\n-10-\nTHE FIRST IS TO LOWER DOWNPAYMENTS FOR THOSE WHO BUY HOMES\nWITH FHA INSURANCE, FOR THE TYPICALLY-PRICED NEW HOME, THE\nPRESIDENT'S INITIATIVE WILL CUT THE DOWNPAYMENT IN HALF, THUS\nHELPING FAMILIES -- PARTICULARLY YOUNG FAMILIES WHO ARE BUYING\nTHEIR FIRST HOMES -- TO GAIN THE PRACTICAL AND PERSONAL BENEFITS\nOF HOMEOWNERSHIP.\nTHE SECOND IS TO EXPAND FHA MORTGAGE LIMITS TO COVER ABOUT\n87 PERCENT OF SALES,\nAND THE THIRD IS TO PROVIDE A FEDERAL GUARANTEE OF A\nGRADUATED PAYMENT MORTGAGE, WHICH ALLOWS YOUNG FAMILIES TO\nREDUCE THEIR MONTHLY PAYMENTS IN THE EARLY YEARS WHEN THEIR\nINCOMES ARE LIKELY TO BE LOWER, THE PAYMENTS INCREASE MODERATELY\nIN LATER YEARS WHEN THEIR INCOMES ARE EXPECTED TO RISE.\nIN THE 1930's AND 40's THE FEDERAL GOVERNMENT REVOLUTIONIZED\nHOME PURCHASING BY INTRODUCING THE 30-YEAR FULLY-AMORTIZED LOAN\nWITH A 10 TO 20 PERCENT DOWNPAYMENT. You MAY RECALL THAT IN 1930,\nTHE TRADITIONAL MORTGAGE WAS FOR 5-YEARS WITH A 50 PERCENT DOWNPAYMENT\nUNDER THE PRESIDENT'S GRAUDATED PAYMENT PROGRAM, WE CAN CHANGE\nTHE MARKET IN A SIMILAR WAY IN THE 1970's. THESE PROPOSALS ARE NOT\nBASED ON SUBSIDIES PAID FOR WITH TAX DOLLARS -- THEY ARE INNOVATIVE\nMETHODS FOR HELPING FAMILIES TO PAY FOR THEIR OWN HOMES.\n-11-\nBUT NO AMOUNT OF INNOVATION WILL WORK IF THE AMERICAN\nFAMILY DOES NOT HAVE THE SPENDABLE INCOME TO MAKE THE DOWNPAYMENT\nAND TO PAY THE MORTGAGE, UTILITIES AND MAINTENANCE.\nTHE ONLY SURE PRESCRIPTION FOR THAT IS THE CONTINUATION\nOF THE STEADY PROGRESS WHICH PRESIDENT FORD HAS MADE IN REDUCING\nINFLATION AND INCREASING EMPLOYMENT THROUGH ARTFUL STIMULATION\nOF THE PRIVATE SECTOR.\nWE SIMPLY CANNOT IGNORE THE LESSON FOR WHICH WE PAID so\nDEARLY IN THE 1960's -- THAT NO MATTER HOW MUCH WE MAY WILL IT\n-- A \"SOCIETY\" IS NOT SUDDENLY MADE \"GREAT\" THROUGH WELL-MEANING\nPROGRAMS WHOSE SOLE SOURCE OF SUSTENANCE IS THE FEDERAL EXCHEQUER.\nWE KNOW THAT OUR PRIVATE ECONOMY CANNOT SUSTAIN THE AWESOME\nFEDERAL DEFICIT OF TODAY'S MAGNITUDE WITHOUT THE EROSION OF THE\nVERY FINANCIAL RESOURCES THAT ARE VITAL TO THE GROWTH AND\nPRODUCTIVITY OF OUR FREE ENTERPRISES, WHICH ARE THE SOURCE OF\nFIVE OUT OF SIX JOBS,\nPRESIDENT FORD HAS HELD THE LINE IN EXPENDITURES, AND IN so\nDOING HAS CREATED THE LARGEST NUMBER OF JOBS IN OUR NATION'S HISTORY,\n-12-\nHE HAS DIRECTLY ATTACKED THE DELAYS, THE RED-TAPE, AND THE\nREGULATION MAZE so DISHEARTENING TO THE INNOVATIVE SPIRIT THAT\nIS THE SOUL OF THE FREE ENTERPRISE SYSTEM. AND HE HAS DONE IT\nIN TWO SHORT YEARS, ASSEMBLING HIS WINNING TEAM AT THE LOWEST\nPOINT IN THE POLITICAL HISTORY OF OUR COUNTRY.\nAND ONE OF THE GREAT REASONS FOR HIS SUCCESS IS THAT HE REALLY\nKNOWS WASHINGTON AND HE KNOWS HOW TO MAKE IT WORK FOR THE NATION.\nFOR MORE THAN 25 YEARS, GERALD FORD HAS FOUGHT AGAINST EVERY\nDEMOCRATIC SCHEME THAT WOULD GIVE THE AMERICAN PEOPLE MORE\n\"WASHINGTON\" THAN THEY ALREADY HAVE,\nHIS \"WASHINGTON\" POLICY AS PRESIDENT HAS BEEN AND IS TO GIVE\nMORE AMERICA TO THE AMERICAN PEOPLE BY CONTINUING TO GIVE THEM ---\n--- MORE REAL INCOME FROM THEIR EARNINGS;\n-- MORE REAL JOBS SUPPORTED BY HEALTHY PRIVATE ENTERPRISE;\n-- MORE HOMES THEY CAN AFFORD TO BUY AND MAINTAIN; AND\n-- A NATIONAL ECONOMY FREE FROM THE BOMBARDMENTS OF\nARTIFICIAL PROGRAMS THAT SAP THE VITALITY OF AMERICA.\n-13-\n(\nTHIS IS WHAT PRESIDENT FORD IS DOING RIGHT NOW. THIS IS\nWHAT HE WILL CONTINUE TO DO OVER THE NEXT FOUR YEARS,\nWHAT WE HAVE TO DO OVER THE NEXT THREE WEEKS IS TO GET\nEVERY THINKING AMERICAN TO THE POLLS ON NOVEMBER 2ND TO VOTE\nFOR A GREAT LEADER WITH A SPLENDID RECORD OF ACCOMPLISHMENT.\nTHANK YOU."
}