STATEM'ENT BY THE PRIME MINISTER,
THE HON. E. G. WHITLAM,
IN THE HOUSE OF REPRESENTATIVES.
THURSDAY, 5 JUNE 1975
W'HEN I LAST REPORTED TO THE PARLIAMENT ON THE
GOVERNMENT'S ACHIEVEMENTS AT THE END OF THE SITTINGS
IN DECEMBER 1974, I STRESSED THE CONTINUING IMPORTANCE
OF THE GOVERNMENT'S PROGRAMS. I EMPHASISED THAT WE
WOULD PRESS AHEAD WITH * OUR PROGRAMS IN FULFILMENT OF
THE UNDERTAKINGS WE HAD ' GIVEN TO THE AUSTRALIAN
PEOPLE. THE PEOPLE HAD TWICE ENDORSED THOSE PROGRAMS
AT THE ELECTIONS OF 1972 AND 1974. THEY HAD TWICE
CONFIRMED THE TRUST PLACED IN us, THE LAST SIX MONTHSTHIS
FIRST SESSIONAL PERIOD OF 1975 -HAVE BROUGHT US
CLOSER TO THE GREAT GOALS WE PROCLAIMED. FOR ALL OUR
DIFFICULTIES, FOR ALL THE DISTRACTIONS AND DIVERSIONS
WE HAVE FACED IN THIS PLACE AND OUTSIDE, FOR ALL THE
PROPAGANDA OF OUR OPPONENTSFOR ALL THE OBSTRUCTION
OF THE STATE GOVERNMENT AND VESTED INTERESTS, FOR ALL
THE DENIGRATION OF THE PRESS, THIS HAS BEEN A PERIOD
OF GREAT AND POSITIVE ACHIEVEMENT BY THE AUSTRALIAN
GOVERNMENT. THIS IS VERY MUCH A TIME TO KEEP THOSE
ACHIEVEMENTS IN MIND, TO PUT THE RECORD IN PERSPECTIVEP
TO REFLECT ON THE BASIC STRENGTH AND PROSPERITY OF THE
NATION, THE UNDERLYING STRENGTH OF THE ECONOMY, THE REAL
GAINS WE HAVE MADE IN SOCIAL REFORM AND SOCIAL JUSTICE
AND IN THE LIVING STANDARDS OF THE AUSTRALIAN PEOPLE. o/ 2
THE LAST SIX MO NTHS HAV E CE RTA INLY NOT BEEN
EASY, WHEN HAS THERE BEEN A TIME WHEN THE TASK OF
G OVERNMENT WAS EASY? WHERE * IS THERE A COUNTRY WHERE
GOVERNMENT IS EASY? WE BEGAN THE YEAR IN THE
AFTERMATH OF THE DARWIN CYCLONE THE GREATEST
NATURAL DISASTER AUSTRALIA HAS KNOWN, IT WAS
FOLLOWED BY A SECOND CALAMIlTY * IN HOBART INVOLV* ING
APPALLING SOCIAL DISRUPTION AND LOSS OF LIFE. THE
GOVERNMENT'S RESPONS* E TO THESE CALAMITIES WAS PROMPT
AND GENEROUS. IKNOW THAT ALL HONOURABLE MEMBERS
WILL JOIN ME IN A TRIBUTE TO THE NATURAL DISASTER
ORGANISATION FOR ITS HANDLING OF THE DARWIN CRISIS.-
AND TO THE DARWIN PEOPLE THEMSELVES FOR THEIR FORTITUDE
AND UNDAUNTED SPIRIT. WE IMMEDIATELY ESTABLISHED A
DARWIN RECONSTRUCTION COMMISSION AND ENTRUSTED IT
WITH THE MASSIVE TASK OF REBUILDING THE CITY. WE AGREED
TO ESTABLISH A JOINT TASMAN BRIDGE RESTORATION COMMISSION.
WE HAVE COMMITTED MORE THAN $ 58 MILLION TO THE DARWIN
RECONSTRUCTION PROGRAM AND AN INITIAL GRANT OF $ 6 MILLION
FOR HOBART. I NEED HARDLY STRESS THAT IN TIMES OF
ECONOMIC DIFFICULTY, DISASTERS OF THIS MAGNITUDE PLACE
NEW AND UNPRECEDENTED DEMANDS ON THE NATION'I S MATERIAL
AND FINANCIAL RESOURCES. UNSTINTING AND UNQUESTIONING
THOUGH OUR RESPONSE HAS BEEN,. THE DARWIN AND HOBART
DISASTERS HAVE CERTAINLY NOT MADE IT EASIER TO CONTEND
WITH THE ECONOMIC DIFFICULTIES FACING AUSTRALIADIFFICULTIES
WE SHARE WITH ALL OTHER COMPARABLE COUNTRIES.
I' 4Ei CAN, HOWEVER, TAKE HEART FROM SIGNS OF IMPROVEMENT
ALREADY AP1PARENT IN THE ECONOMY. OF COURSE IT'S NOT A
TIME FOR COMPLACENCY; THERE IS STILL A NEED FOR STEADY
JUDGMENT AND A CALM, RATIONAL APPROACH TO OUR DIFFICULTIES.
BUT THERE IS GOOD REASON TO BELIEVE THAT A RECOVERY IS
UNDERWAY. CONSUMER CONFIDENCE, REFLECTED IN RISING RETAIL
SALES AND HIGHER DISPOSABLE INCOMES, HAS SHOWN SIGNIFICANT
GAINS. PRIVATE INVESTMENT IN THE BASIC AREAS OF THE ECONOMY
IS RISING. THE IMPORTANT THING TO REMEMBER IS THAT THE
GOVERNMENT' S POLICIES HAVE PUT MONEY IN THE POCKETS OF
AUSTRALIANS. PEOPLE ARE MORE PROSPEROUS TODAY THAN THEY
HAVE EVER BEEN, li-0HENEVER WE HEAR CRITICISM OF THIS GOVERNMENT'S
POLICIES REMEMBER THIS SIMPLE FACT: THE AUSTRALIAN PEOPLE
HAVE NEVER BEEN BETTER OFF BETTER OFF IN THE MONEY THEY
HAVE TO SPEND,, BETTER OFF IN THEIR REAL INCOMES, BETTER OFF
IN THE RANGE OF SERVICES AND OPPORTU11ITIES AVAILABLE TO. THEM
FROM THIS GOVERNMENT'S AGENCIES AND PROGRAMS. SINCE
DECEMBER 1972 INCOMES OF WAGE AND SALARY EARNERS HAVE GROWN
MUCH FASTER THAN THE COST OF LIVING. AVERAGE MINIMUM WEEKLY
AWARD RATES FOR MEN HAVE INCREASED BY 53. PE: R CENT; FOR WOMEN
BY NO LESS THAN 755 PER CENT. REAL AVERAGE WEEKLY EARNINGS
AFTER TAX FOR ALL WAGE AND SALARY( EARNERS HAVE INCREASED
By 7.3 PER CENT SINCE THIS GOVERNMENT CAME TO OFFICE. IN
ADDITION, WE HAVE TACKLED THE GREAT AND DIFFICULT PROBLEM
OF WAGE INDEXATION. IN ITS HISTORIC JUDGMENT OF 30 APRIL
THE CONCILIATION AND ARBITRATION COMMISSION ACCEPTED THE
GOVERNMENT'S CA'SE FOR A RESTORATIO14 OF QUARTERLY COST OF
LIVING ADJUSTMENTS, WIITH REASON AND GOODWILL WE CAN MAKE
THIS REFORM WORK. -Jf
-4JPROPERLY
APPLIED, IT CAi4 BRING GREATER BENEFITS AND GREATER
MATERIAL SECURITY TO ALL WAGE EARNERS AND CONTRIBUTE TO THE
SOLUTION OF OUR LONG-TERM ECONOMIC PROBLEMS,
FOR ALL THAT, WE DO NOT SEE REAL LIVING STANDARDS
SOLELY IN MONiEY TERMS, WE HAVE NEVER DONE SO, THE REAL
PROSPERITY OF THE AUSTRALIAN PEOPLE LIES INCREASINGLY IN THE
QUALITY OF THE SERVICES GOVERNMENTS PROVIDE FOR THE WHOLE
COMMUNITY, THAT HIGHER ORDER OF PROSPERITY THAT WIDER AND
DEEPER COMMITMENT TO THE PEOPLE S GOOD DEPENDS ON THE
SUCCESS OF OUR SOCIAL PROGRAMS, flY GOVERNMENT HAS GIVEN
PRIMACY TO THIS PARLIAMENT AS THE CHIEF INSTRUMENT OF SOCIAL
REFORM. OUR PROGRAMS ARE ESSENTIALLY LEGISLATIVE PROGRAMS;
THE MEASURE OF THEIR SCOPE AND IMPORTANCE CAN BE SEEN IN THE
NUMBER OF BILLS PASSED THROUGH THIS PARLIAMENT. OUR
LEGISLATIVE PROGRAM il OUR FIRST TWO YEARS SURPASSED ALL
RECORDS SINCE FEDERATION 254 BILLS INTRODUCED IN 1973,
229 IN 1974. SO FAR THIS YEAR, TO THE CLOSE OF BUSINESS
LAST NIGHT, PARLIAMENT HAS SAT FOR 1ZI HOURS AND A TOTAL
OF 126 BILLS HAS BEEN INTRODUCED. IT IS A FORMIDABLE
ACHIEVEMENT, I THINK IT PROPER TO ACKNOWLEDGE THAT THE
OPPOSITION, UNDER ITS NEW LEADERSHIP, HAS BEHAVED WITH
GREATER DECORUM IN THIS PARLIAMENT THAN PREVIOISLY, THIS HAS
CERTAINLY MEANT A MORE RATIONAL AND MORE ORDERLY DESPATCH
OF BUSINESS, IT DOES NOT MEAN THAT THE OPPOSITION HAS
ABANDONED ITS TACTICS OF OBSTRUCTION. IT DOES MEAN THAT
THE PROCEEDINGS OF THIS HOUSE HAVE BEEN LESS DEMEANING TO
THE REPUTATION OF PARLIAMENTARY DEMOCRACY,
WE HAVE SEEN THIS YEAR A NUMBER OF SIGNIFICANT
GOVERNMENT PROGRAMS BROUGHT TO FRUITION. OTHERS HAVE
BEEN BROUGHT TO THE POINT OF IMPLEMENTATION. THEIR
BENEFITS WILL SOON BE FLOWING TO THE AUSTRALIAN PEOPLE'
AND THE PARTICULAR GROUPS WHO NEED THEM THE Low-
INCOME EARNERS, THE CHILDREN.-THE SICK, THE* HANDICAPPED.
RADICAL AND ENDURING SOCIAL REFORM IS NOT ACHIEVED
OVERNIGHT; IT IS NOT ACHIEVED BY SPENDING MORE
MONEY, THOUGH MONEY IS CERTAINL Y NEEDED. IT REQUIRES
NEW INSTITUTIONS, NEW SCALES AND PRIORITIES, NEW
SOCIAL ATTITUDES.-NEW POLITICAL. GUIDELINES, NEW EFFORTS
AT CO-OPERATION, NEW MEN AND WOMEN IN POSITIONS OF
AUTHORITY. THIS PROCESS CAN BE DIFFICULT AND PAINFULLY
PROTRACTED, BUT EVENTUALLY THE RESULTS WILL SHOW$
WE HAVE SEEN IT IN THE CREATION OF MEDIBANK, NOW THE
LAW OF THE LAND, A GREAT PIONEERING REFORM WHICH THE
RELUCTANT STATES HAVE BEEN DRIVEN INEXORABLY TO ACCEPT,
BECAUSE THEY KNOW THAT THEY THEMSELVES WILL BENEFIT
AND ABOVE ALL THAT THE PEOPLE WILL BENEFIT. WHAT A LESSON
OUR OPPONENTS HAVE LEARNED1 AFTER ALL THE-OBSTRUCTION
IN THIS PARLIAMENT, AFTER ALL THE ATTEMPTS TO DELAY
THE MEDIBANK BILLS NOT JUST THE BASIC LEGISLATION WHICH
THE PEOPLE SPECIFICALLY ENDORSED, BUT THE ANCILLARY BILLS
TO ESTABLISH AND FINANCE THE PROGRAM THE ANTI-LABOR
STATES ARE NOW SEEKING TO JOIN THE MEDIBANK SCHEME$
AND IF THEIR ADVERTISEMENTS CAN BE BELIEVED, EVEN
TAKING SOME OF THE CREDIT FOR IT, Bs .1/ 6
-6-
ONE OF THE THEMES OF ALL OUR REFORMS HAS BEEN TO
ASSERT THE PRINCIPLE OF COMPETITION FREE AND FAIR COMPETITION
IN A MIXED ECONOMY, PRODUCTIVE COMPETITION BETWEEN PRIVATE
AND PUBLIC ENTERPRISE. WE HAVE SEEN THE BENEFITS OF SUCH
COMPETITION IN THE AIRLINES AND THE BANKS, WE SHALL EXTEND IT
TO OTHER FIELDS. IN THE FACE OF AN UNSCRUPULOUS AND
CONTINUING CAMPAIGN OF MISREPRESENTATIONj WE HAVE PASSED
'. EGISLATION IN THIS HOUSE TO ESTABLISH AN AUSTRALIAN GOVERNMENT
INSURANCE CORPORATION. IT WILL PROVIDE THE WIDEST POSSIBLt
COVER FOR HOMES AT THE LOWEST POSSIBLE PREMIUMS AND OFFER
A WIDE RANGE OF INSURANCE SERVICES. WHAT PUBLIC INITIATIVE
CAN ACHIEVE IN HEALTH INSURANCE IT CAN ACHIEVE IN FAIR
COMPETITION IN GENERAL INSURANCE.
WE HAVE DEVELOPED AND EXTENDED OUR LEGAL AID SERVICE.
SIX REGIONAL OFFICES OF THE AUSTRALIAN LEGAL AID OFFICE HAVE
BEEN OPENED THIS YEAR AND MORE THAN 60,000 PEOPLE HAVE BEEN
ASSISTED. WE HAVE SET UP AN AUSTRALIAN HOUSING CORPORATION
TO TAKE ACTION IN AREAS WHERE THE EXISTING HOUSING SY( STEM
IS UNABLE TO MEET EXISTING HOUSING NEEDS; ALREADY THIS YEAR
WE HAVE FUNDED THE CONSTRUCTION BY STATE HOUSING AUTHORITIES
OF 13,580 HOMES FOR LOW-INCOME EARNERS 5,000 MORE THAN THE
NUMBER BUILT IN 1973-741, WE HAVE ESTABLISHED THE AUSTRALIAN
FILM COMMISSION TO PROMOTE LOCAL FILM PRODUCTION, THESE ARE
ALL AREAS HOUSING, MEDIBANK, GENERAL INSURANCE, LEGAL AID,
FILM PRODUCTION W1HERE EXISTING SERVICES HAVE FAILED TO MEET
DEMONSTRABLE HUMAN OR SOCIAL NEEDS, OR WHERE COMPETITION IS
LIKELY TO BRING NEW BENEFITS TO THE CONSUMER, 17
-7-
LET ME GIVE A FURTHER EXAMPLE IN A FIELD
WHERE PROGRESS THIS YEAR HAS BEEN REMARKABLE. I REFER TO
TRANSPORT. IN MY LAST STATEMENT OF THIS KIND I MENTIONED
OUR MASSIVE CONTRIBUTION TO NATIONAL AND URBAN ROADS
PROGRAMS. THOSE PROGRAMS ARE WELL IN HAND. THE OUTSTANDINGAREA
OF PROGRESS THIS YEAR, HOWEVER, HAS BEEN THE
RAILWAYS, SUBURBAN COMMUTERS, IN SYDNEY ESPECIALLY, MAY
WONDER AT THAT STATEMENT. THEIR OVERCROWDED AND
INCREASINGLY INADEQUATE RAIL SERVICES CONTINUE TO DECLINE
IN FREQUENCY AND QUALITY WHILE THE STATES REFUSE OUR
OFFERS, REPEATEDLY MADE, TO ASSUME FINANCIAL RESPONSIBILITY
FOR RAIL SYSTEMS AND RAISE THEIR PRESENT ATROCIOUS STANDARDS.
BUT IN THE AREA OF NATIONAL RAILWAYS WE HAVE SEEN
GREAT AND PERMANENT DEVELOPMENT.
-8-
MORE THAN ANY OF ITS PREDECESSORS, THE GOVERNMENT
HAS RECOGNISED THE NEED FOR A NATIONAL APPROACH TO
RAILWAYS;' ' E HAVE RECOGNISED THAT THE RAILWAYS CANNOT
EFFECTIVELY SOLVE THEIR PROBLEMS WITHIN THE PRESENT
FRAGMENTED SYSTEM, IT WAS THIS RECOGNITION THAT PROMPTED
MY OFFER IN MY 1972 POLICY SPEECH TO ACCEPT RESPONSIBILITY
FOR THE RAILWAYS OF ANY STATES PREPARED TO TRANSFER THEM.
DURING THIS SESSION THE AUSTRALIAN NATIONAL RAILWAYS
COMMISSION BILL, THE RAILWAYS ( SOUTH AUSTRALIA) BILL AND THE
RAILWAYS ( TASMANIA) BILL HAVE BEEN PASSED, FOLLOWING
APPROPRIATE LEGISLATION IN THE SOUTH AUSTRALIAN AND
TASMANIAN PARLIAMENTS THEY WILL ALLOW THE TRANSFER OF
THE NON-METROPOLITAN SOUTH AUSTRALIAN AND THE TASMANIAN
RAILWAYS TO THE AUSTRALIAN GOVERNMENT, THIS IS THE
FIRST MAJOR STEP TOWARD THE CREATION OF A TRULY NATIONAL
RAILWAY. THE ANR WILL HAVE THE ORGANISATIONAL STRUCTURE
AND OPERATIONAL POWERS NECESSARY TO CONSOLIDATE INTO A
SINGLE SYSTEM THE COMMONWEALTH RAILWAYS AND THE
TRANSFERRED STATE RAILWAYS, ,, 1/ 9
-9-
WE HAVE DONE MUCH TO RELIEVE THE SHORT-TERM
PROBLEMS OF RAILWAYS, THERE IS A DESPERATE LACK OF
MODERN INTERSYSTEM ROLLING STOCK, WE HAVE INSTITUTED
A PROGRAM TO PURCHASE MODERN HIGH-SPEED WAGONS WHICH
WILL BE AVAILABLE FOR LEASE TO THE STATES, THIS PROGRAM
PROVIDES FOR THE PURCHASE OF 1,300 WAGONS OVER THE
NEXT TWO YEARS, CONTRACTS HAVE ALREADY BEEN LET FOR
THE FIRST ORDER FOR 500 WAGONS; TENDER DOCUMENTS
ARE BEING PREPARED. FOR AN ADDITIONAL 800 VEHICLES,
AND FINALLY, TO MEET THE CHALLENGE OF MOULDING A TRULY
NATIONAL TRANSPORT SYSTEM INCLUDING THE RAILWAYS AND
OTHER FORMS OF TRANSPORT WE.: HAVE SOUGHT TO RESTORE
THE INTER-STATE COMMISSION SPECIFIED IN SECTION 101 OF
THE CONSTITUTION,
Two OTHER ACHIEVEMENTS OF THE PRESENT SESSION
REFLECT SOMETHING OF THE GOVERNMENT'S FUNDAMENTAL
SOCIAL AND HUMAN PRIORITIES. THE FAMILY LAW BILL
A MONUMENT TO THE FORMER ATTORNEY-GENERAL, NOW
MR JUSTICE MURPHY HAS COMPLETELY REFURBISHED THE
MARRIAGE AND DIVORCE LAWS OF AUSTRALIA AND DONE
AWAY WITH THE MEDIEVAL CONCEPTS OF GUILT AND FAULT.
THE BILL HAS ESTABLISHED A FAMILY COURT OF AUSTRALIA
WHICH WILL EXPLORE METHODS OF RECONCILIATION AND PROTECT
THE RIGHTS OF ALL PARTIES IN DIVORCE PROCEEDINGS IN AN
ATMOSPHERE OF DIGNITY AND HUMANITY. THIS WAS A
MAJOR SOCIAL REFORM, I AM PROUD THAT IT WAS BROUGHT
FORWARD UNDER THIS GOVERNMENT. IN THE SAME SPIRIT WE
INTRODUCED LEGISLATION TO ESTABLISH A CHILDREN'S COMMISSION.
THAT LEGISLATION HAS NOW PASSED BOTH HOUSES. THE
COMMISSION WILL ADMINISTER A COMPREHENSIVE RANGE OF
SERVICES FOR CHILDREN PRE-SCHOOL, DAY CARE, PART-TIME
AND EMERGENCY CARE SERVICES, AFTER SCHOOL AND HOLIDAY
PROJECTS. APPROXIMATELY 165,000 CHILDREN HAVE BEEN
CATERED FOR UNDER THIS NEW PROGRAM. I dil
-11-
THE DOCUMENTS I SHALL PRESENTLY TABLE AND
SEEK LEAVE TO INCORPORATE IN HANSARD SET OUT THE FULL
SCOPE AND DETAIL OF THE GOVERNMENT' S ACHIEVEMENTS
DURING THE PAST SIX MONTHS. THAT RECORD SPEAKS FOR
ITSELF. W4HAT IT DOES NOT CONVEY IS THE TRUE NATURE
OF THE OPPOSITION'S BEHAVIOUR IN THIS PERIOD. IT
WOULD BE PLEASING TO BE ABLE TO REPORT THAT THE
OPPOSITION'S NEW DECORUM IN THIS PLACE HAS BEEN MATCHED
BY SANER AND MORE CONCILIATORY ATTITUDES TO THE
GOVERNMENT'S LEGISLATIVE PROGRAM. WE HAVE HAD NOTHING
OF THE SORT. BEHIND THE FACADE OF REASON AND
RESPONSIBILITY THE FAMILIAR CAMPAIGN OF OBSTRUCTION
HAS CONTINUED. OUR OVERDUE REDISTRIBUTION PROPOSALS,
OUR BILL TO MODERNISE AND SIMPLIFY THE ELECTORAL LAWS,
OUR BILLS TO ABOLISH APPEALS TO THE PRIVY COUNCIL,
TO ESTABLISH A SUPERIOR COURT OF AUSTRALIA, TO DEAL
WITH LURKS AND MALPRACTICE IN THE SECURITIES INDUSTRY,
TO ESTABLISH A GOVERNMENT PURCHASING COMMISSION, TO PROVIDE
SIMULTANEOUS ELECTIONS FOR THE SENATE AND HOUSE OF
REPRESENTATIVES ALL THESE HAVE BEEN REJECTED OR
DELAYED OR UNACCEPTABLY AMENDED IN THE SENATE. AND OF
COURSE THE CAMPAIGN OF OBSTRUCTION HAS BEEN PURSUED
BEYOND THIS PARLIAMENT IN THE COURTS AND IN THE STATES.
ONCE AGAIN WE SAW THE FLAUNTING OF AN ESTABLISHED
CONSTITUTIONAL CONVENTION WHEN THE N. S. W. GOVERNMENT
REFUSED TO APPOINT A SENATOR OF THE GOVERNMENT PARTY TO
FILL THE VACANCY CAUSED BY SENATOR MURPHY'S RESIGNATION.
-12-
WE HAVE SEEN THE SAME STATE GOVERNMENT PURSUE ITS
PELLIFOGGING TACTICS IN BLOCKING APPOINTMENTS* TO
FEDERAL BODIES AND REFUSING TO CO-OPERATE IN SUCH
THINGS AS A SOIL CONSERVATION PROGRAM, WE HAVE
SEEN OUR LEGISLATION PERSISTENTLY CHALLENGED IN THE
COURTS ESPECIALLY THOSE PARTS OF IT MOST LIKELY
TO BENEFIT THE WEAK, THE UNORGANISED, THE
UNREPRESENTED SECTIONS OF SOCIETY,
I LEAVE THE AUSTRALIAN PEOPLE TO JUDGE THESE
TACTICS FOR THEMSELVES, THEY WILL NOT DETER US FROM
OUR GOALS. THE PAST SIX MONTHS HAVE SHOWN WHAT A
DETERMINED GOVERNMENT CAN ACHIEVE IN THE FACE OF
SENSELESS AND SUSTAINED OBSTRUCTION. DESPITE OUR
DIFFICULTIES IN THE SENATE, DESPITE THE BLIND UNREASON
OF THE ANTI-LABOR STATES, DESPITE THE ECONOMIC PROBLEMS
WITH WHICH EVERY NATION HAS TO CONTEND, WE HAVE BROUGHT
NEW AND PERMANENT REFORMS TO THE STATUTE BOOKS OF
THE NATION; WE HAVE CONTINUED TO ENHANCE AUSTRALIA'S
STANDING IN THE WORLD; WE HAVE PRODUCED A SOCIETY
WHICH HAS NEVER ENJOYED GREATER INDIVIDUAL
PROSPERITY, GREATER OPPORTUNITIES OR GREATER PROSPECTS
FOR THE FUTURE,