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Suppose you're a Bmall businessman and often, at ,
the end of each day, your cash register is full. The i
f - L. i 2 A ....... 1 j 1
Hie ai yuur uuttmcss is not very secure, ana taxing
the money home is out of the Question. Even though ':
the DanK is dosed, you can still
deposit the money by simply
arranging with your banker to
The depositories are located on
the outside wallft nf hanlr nfTirea
and are accessible only to those
who have a key. They are used
mainly by commercial firms. For .
a small fee, the bank provides a
lockable money bag and a key to
tfio rlprmcifnrv urfiioVi will tut naaA
Some merchants use the night depository simply
as a means of safeguarding the money until it is
picked up the next day: Or, arrangements can be
made for the money to be deposited. In that case, the
"1 " I
L J L(U U L
By Rhee Saunders
merchant includes a deposit slip in the money bag. Under a night deposit open-the-bag agreement, the
When bank officials open the depository the fol tellers use the bank's key to open the bag. The cost ,of
lowing morning, it is done under, a system called . this service is based on the customer's account rela-
dual control, wfiere one employee watches thejrther tionship and is usually minimal,
count and verify each night deposit. Dual control .
help protect both the bank and the customer if any BANK BY MAIL
questions arise concerning a depomporita made B ff another service--Bank By Mail for
yJ0r-8vafeileepi ? ? tf-MTJSS theenienceof customers who camit visit the
picked up by the merchant the following morning. d regui buaineas hours. The service is
particularly useful to the elderly or infirm and to
military personnel or other customers who live out
of state. .
There is no charge to make a deposit or loan par-
: ment by mail. When a customer requests bank by
mail service, he or she is given an envelope and an
. envelope jacket. The deposit, or loan payment, is
slipped into the envelope jacket, which has both the
' customer's and the bank's address. This jacket is
then put into the envelope so that the bank's address
is displayed when mailed by the customer. Once the
bank receives it, the mail is opened, processed, and
the envelope jacket is stamped as a receipt and
sent back to the customer all in one day. Along with
this', the customer receives an envelope for the
next transaction. . : '
- Rhee Sounder, m banker for 16 year, u manager f Wachovia
Bank and Trust Company' i Guilford College office in Greensboro.
By Bayard Rustin
A. Philip Randolph Institute
Insensitivity and lack of compassion increasingly are
becoming the hallmarks of the Reagan Administration's ;
. ...... a. .t - .v. j
domestic program, as me consequences ui uic nu
ministration's budget cuts are becoming apparent, more
and more Americans are turning against Ronald
No policy, however, has met with stiffer opposition
than the President's proposals to chance the Social
Security system. These proposals, which sate without ' c , ' '-
precedent, center on a number of sharp .reductions. If , Yet despite widespread criticism and a rebuke from ,
the Reagan plan were enacted, the maximum benefit for the Senate, which has voiced its unanimous opposition
a 62-year-old retiree would fall below the official pover-.. to the Reagan proposals, the Administration has m
ty level. There would be a one-third overall reduction in sisted on carrying forward its attack on Social Security,
the disability program which protects those who are too , The President has announced that he seeks to eliminate :
ill to work. Cuts in future benefits would total approx- what is referred to as the minimum benefit. The
imately ten per cent. c . ! minimum benefit is the amount (currently $122 per
The total reductions add up to an astonishing $82 month) which is paid to anyone who has worked for for-
billion even though the Social Security fund anticipates i ty quarters in employment covered by boaai uecunry.
hurt those who are among the poorest and oldest people
in our society. It would take away, benefits from the
most defenseless sector of our society. Most of the reci
pients of the mini"""! benefit, according to Rep. Jim
Wright of Texas, "are in their seventies and most of
them are women."
Democrats have taken the lead, both in the House
and in the Senate, in criticizing the President and oppos
ing the effort to drastically cut Social Security benefits
billion even though the Social security iuna anticipates , ty quarters in empioymcui waw VJ "'"i- "-" ; " at, . nnt the onlv ones
temporary shortages of only $10 billion in the.next five This meat !&SS222
years. Moreover, these shortages can be met with a loan
of reserve funds from other components in the Social
Senator Daniel Patrick Moynihan, who has emerged
as a leader in the fight to preserve the Social Security 1
system has referred to the Administration's proposed '
cuts as "a campaign of political terrorism." i
worker who has paid Into the Social Security system for
at least ten years. The President proposes paying only
the amount individuals have paid into the fund, which
on surface might appear to be a fair solution.
Yet the' President'! proposal callously disregards the
impact of such a cutback on flesh and blood human be
ings. .The elimination of the minimum pension would
who have expressed concern about the Administration's
approach to Social Security. Rep. Robert Michel, the
House Republican leader, has admitted that the Ad
ministration has been "insensitive" in hs handling of
the issue. And many Republican political analysts are
admitting lharthe strong showings of Democrats in two
recent special elections to fill vacancies in the House of
Representatives are in large measure attributable to
public dissatisfaction over the Reagan approach to
Moreover, public discontent over the Reagan ap
proach to government has finally begun to be reflected
in public opinion polls. The latest Harris survey in
dicates that by 61 to 33 per cent, a majority of
Americans believes that the President's economic
policies "will be unfair and cause hardship on the elder
ly and those on pensions." By 57 to 34 per cent,
Americans also believe that the President's policies will
"be unfair to the poor."
when historians look upon the Reagan Presidency
they may well ascribe May 12th, 1981 as the beginning
of its downfall. It is on this day that the Reagan Ad
ministration unveiled its plan to gut the Social Security
system, thus violating one of Ronald Reagan's own
campaign promises. It is on May 12th that the american
people, young and old, black and white, at last began to
sense that rigid conservative doctrine, when applied to
flesh and blood human beings, can mean great suffering
and anguish to our country's elderly and poor.
Historians may well conclude that, ironically, it was
ronald Reagan's insensitivity to his fellow senior citizens
which signalled the beginning of the end of what was to
have been the "Reagan Era!
Racism: The White Response
By Dr. Charles W; Faulkner
Blacks seem to be prevailed upon by whites primarily when they do not "stay in,
their place." When blacks demand respect or equal non-discriminatory treatment,
whites feel threatened. This threatening form of behavior has fwo meanings to whites:;
1) It is as if a black person is saying, "I don't have to do what you want me to do
because I am as good as you." The white person experiences a challenge to his status,
and self-esteem, and 2) the white person loses a basis for releasing his stress and
recapturing his "manhood" after having had a depressing, unpleasant confrontation
with someone else. Blacks are scapegoats. ' ;.V
Often, these behavioral reactions of whites are subconscious and conducted
without the knowledge that they are occurring. In other words, when a black ques- ,.
tions the command of a white, an immediate feeling of stress and anger occur in a
compulsive manner. The white person might call, or feel like calling, a black person y
"nigger" without realizing the cause of the urge or the fact that the urge is present. It
is a compulsive'conditioned, automatic reaction to feeding threatened, challenged and .
"insulted." ' fr.?"P"&yi .'f.'
This response is similar to the feclirig that an autocratic parent has when the child 4
refuses to carry out an order. It is similar to the response that an insecure boss, has ,
when an employee talks back. It is similar to the feeling that you have when someone
"pushes you around" intentionally and without provocation. You might become im
mediately angered and strike out physically or verbally at the cause of your stress,
which occurs suddenly and without forewarning.
Human beings are conditioned early in their lives to respond to certain situations,
with anger or happiness. The reaction allows us to release the stress that has been
caused by the experiences that we have. Often, the object of our release of stress is
unrelated logically to the cause of the stress. An example: If Jim's boss threatens Jim
with firing from his job, Jim is likely to become anxious, depressed and stressful. He
must release his stress and direct it 40 a black person. Why must the black person,
serve such a purpose? . .' r .
The answer is that Jim was conditioned early in his life to direct his frustrations to'
blacks. His response is conditioned, automatic and representative of the need for an'
emotional crutch that allows him to say "Well, although the boss is better than I,
am better than blacks. At least that is some consolation."
Your questions are welcomed. Suggestions for future articles will be appreciated.
Cassette tapes of this and other articles are available for individual use, discussion :
groups and classroom use. All letters and inquiries should be sent to: Dr. Charles W.
Faulkner, Post Office Box 50016, Washington, D.C. 20004
COMPLETE FROM A TO Z.
n n u n
1 17 II V 7 11 I 7
Serve a better mixed drink with CanadaDry
gin, vodka or bourboa They're three ways
pd AM radio with quartz
A IX digital clock and dual
front speakers. (May be deleted
Bigger than a Chevette,
smaller than a Citation.
Complete list of 43
I. Font-wheel drive
2. 1.8 Liter -cylinder transverse engine
3. 4-epeed manual overdrive transmission
4. Power-assisted front discrear drum
5. Glass-belted radial tires
a Computer Command Control
7- Rack-and-oinion steering
a MacPherson-strut front suspension
9. Push-button AM radio with dual front
speakers (may be deleted for credit)
10, Quartz digital clock (integral with radio)
II. Front stabilizer bar
12. Freedom II maintenance-free battery
13. Large capacity (14-gallon) fuel tank
14. Daynight inside rearview mirror
15. Side window defoaaers
It. Electric rear window defogger
17. Tri-cokx. segmented tall lamps with
amber turn signals (except wagon)
11 Flow-thru power ventilation 'system
19. Locking gas filler door with cap holder
2a Acoustical insulation
21. Accessible kwlasri flip-down fuse parwl
22. Remote trunkhatchbacktailgate
2X Body side moldings '
24. Styled steel Rally wheels
25. Bumper rub strips
26. Reclining contoured front seats
27. Assist grip above each passenger door
2S. Console with rear ashtray and coin
29. Ptastisof tower body stone-chip
30. Color-keyed seat and shoulder belts
31. Color-keyed carpeting
32. Extended front seat track
, 33. Column-mounted "Smart Switch"
34. Cigarette lighter and ashtray lamp .
35. Glove compartment lock
36. Styled outside rearview mirror
37. 31 separate anti-corrosion-peatment
38. Resettabla trip odometer
39. Passenger guard door locks
40. Side-lift Jack
41. Double-panel construction in doors,
hood and trunk lid '
42. Strong, lightweight steel bumpers
43. Audible disc brake wear sensors
Def oggers. side and
tWA If" -
traction for snow, mud
or wet streets.
UaaH onH Yr rnnm
aUL JUL enough to seat four
adults very comfortably.
1 Interior roorr-4door
Sedan is superior to that
of a Toyota Corona or Corona,
Datsun 210, Honda Accord or
Newly developed 1,8
Liter 4-cylinder transverse
J -Car translates
into a car with.
the latest GM
1 Power front disc
all brakes, power
ventilation system, Plastisol
lower body stone-chip
protection, and a powerfully
appealing Chevy price.
Quality checks at
the factory total more
Reclining front seats.
Rally wheels and
SJ'tJ f J s .
to satisfy a 6'5" American.
L Laser beams measure
body fit to make sure
every single Cavalier passes
demanding tolerance tests.
T Tested, retested and
tested again to become
the most thoroughly tested
new car in Chevy's history.
TT T Unitized
by robots for
a familv sedan.
classy-coupe and spacious wagon.
Cavalier's 101-inch wheelbase
helps provide a smooth ride
and is longer than that or a
The trunk is
superior in size
to that of a
and holds eight pieces of luggage.
mile (24,000 miles
for drive train)
limited warranty, plus a 3-year
limited warranty against .
perforation from corrosion.
See your dealer for details.
XX rays scan
assure alignment of
t, j t
any one of
more than 5,600
Chevy dealers. If you'd like,
bring in a friend who's an
engineer and let him go over it
inch by inch. You'll both
appreciate Cavalier's quality
and 30 other anti-corrosion
treatments help protect
Cavalier from the elements.
Use estimated MPG for comparisons.
Your mileage rnay differ depending on
speed, distance, weather. Actual
highway mileage lower. Chev relets
are equipped witn UM-ouirt engines
produced by vanou3 divisions.
See your dealer tor details.
. JFX-' I II III 1
j-' . . 1 nr . 1
. J . . ' J ,r ,. ; . ' . . Cavalier 4-Dr. Sedan
r , ... " ,. H T- .. ;
NOW AT YOUR CHEVY DEALERS
Manufacturers Ucansi Ka. 113