one’s wife or by one’s children. It is the royal road to success in manufacturing. “Oh,” but you say, “didn’t he have any capital?” Yes, a penknife, but I don’t know that he had paid for that. I spoke thus to an audience in New Britain, Connecticut, and a lady four seats back went home and tried to take off her collar, and the collar-button stuck in the buttonhole. She threw it out and said, “I am going to get up something better than that to put on collars.” Her husband said: “After what Conwell said to-night, you see there is a need of an improved collar-fastener that is easier to handle. There is a human need; there is a great fortune. Now, then, get up a collar-button and get rich.” He made fun of her, and consequently made fun of me, and that is one of the saddest things which comes over me like a deep cloud of midnight sometimes--although I have worked so hard for more than half a century, yet how little I have ever really done. Notwithstanding the greatness and the handsomeness of your compliment to-night, I do not believe there is one in ten of you that is going to make a million of dollars because you are here to-night; but it is not my fault, it is yours. I say that sincerely. What is the use of my talking if people never do what I advise them to do? When her husband ridiculed her, she made up her mind she would make a better collar-button, and when a woman makes up her mind “she will,” and does not say anything about it, she does it. It was that New England woman who invented the snap button which you can find anywhere now. It was first a collar-button with a spring cap attached to the outer side. Any of you who wear modern waterproofs know the button that simply pushes together, and when you unbutton it you simply pull it apart. That is the button to which I refer, and which she invented. She afterward invented several other buttons, and then invested in more, and then was taken into partnership with great factories. Now that woman goes over the sea every summer in her private steamship--yes, and takes her husband with her! If her husband were to die, she would have money enough left now to buy a foreign duke or count or some such title as that at the latest quotations. Now what is my lesson in that incident? It is this: I told her then, though I did not know her, what I now say to you, “Your wealth is too near to you. You are looking right over it”; and she had to look over it because it was right under her chin.