Such were some of the traits of character of a man who lived a long life in the city where he was born. If no distinctive monument has been erected to his memory, there are the “Union League,” “The Academy of the Fine Arts,” and “The Academy of Music,” with which his name will always be associated; and, what is better still, there are many hearts that throb with grateful memories of an unselfish man, who in time of sore need stretched out his hand to help, and that hand was never empty. And you will remember, you Girard boys, that this man who did so much for his native city and for his fellow-citizens was not nearly so well educated at the age of fourteen when he left school as many of you are now. See what he did; see what some of you may do! THE LEAF TURNED OVER. January 1, 1888. Some weeks ago I gave you two lectures on “Turning Over a New Leaf.” One of the directors of this college to whom I sent a printed copy said I ought to follow those with another on this subject: “The Leaf Turned Over.” I at once accepted this suggestion and shall now try to follow his advice. Most thoughtful people as they approach the end of a year are apt to ask themselves some plain questions――as to their manner of life, their habits of thought, their amusements, their studies, their business, their home, their families, their companions, their plans for the future, their duty to their fellow-men, their duty to God; in short, whether the year about to close has been a happy one; whether they have been successful or otherwise in what they have attempted to do. The merchant, manufacturer or man of business of any kind who keeps books, and whose accounts are properly kept, looks with great interest at his account book at such a time, to see whether his business has been profitable or otherwise, whether he has lost or made money, whether his capital is larger or smaller than it was at the beginning of the year, whether he is solvent or insolvent, whether he is able to pay his debts or is bankrupt.