This quote is a fabrication. Both the Woodrow Wilson Presidential library and the creator of 'Money as Debt' - Paul Grignon http://paulgrignon.netfirms.com/MoneyasDebt/references.htm admit that it consists of bits and pieces cobbled together from campaign speeches long before Wilson signed the Reserve Act. Further the part of " I am a most unhappy man ... " can not be found anywhere. From Woodrow Wilson, The New Freedom, A Call for the Emancipation of the Generous Energies of a People. This is a collection of extracts from Woodrow Wilson's 1912 campaign addresses edited by William Bayard Hale, originally published in 1913. Mr. Hale included about a quarter of Wilson's 1912 speeches, but also added material from other Wilson addresses. The quote "A great industrial nation is now controlled by its system of credit." is from Chapter 8, Monopoly, or Opportunity, pp. 111-112. The quote "We are no longer a government by free opinion...." is from Chapter 9, Benevolence, or Justice p. 122. You should be able to find a copy of The New Freedom in your public library or a university library. Spread the word. Imagine yourself debating Banking Usury to a group and you UNWISELY use that fabricated quote - all anyone has to do is point out that your uninformed or worse a liar and your whole argument as well as your credibility goes down the drain. If you really want change - do your homework. If all you want is to do is feel cool because your 'hip' to what's 'goin on' then by all means - be a tool.