The answer was as simple to me as it was strange to them. My life had been an intense struggle between idealism and materialism. In youth I had burned with an enthusiasm for the ideal, which had fed alike upon the teachings of the Reverend Dr. Einhorn in my boyhood, the inspiring association which I had enjoyed with a saintly Quaker doctor in New York, the noble messages to which I had listened from Christian ministers, and the austere and lofty ethical philosophy of Dr. Felix Adler. In early manhood, however, the temptation of materialism had beset me in a familiar form. Shortly after my marriage I had some financial disappointments; and I was compelled to devote more time than I had expected to providing for my family. My intention was to make their future modestly secure, and then to resume my idealistic avocation. I soon found, however, that I had a special gift for making money. By the time I had attained the competency which had been my ambition, I had become fascinated with money-making as a game. Before I realized it, I was immersed in a dozen enterprises, was obligated to a hundred business friends, and, like all my associates, was deeply absorbed in the chase for wealth. Fortunately, in 1905, the prospect of disaster brought me to my senses. I foresaw the Panic of 1907; and, while others all around me plunged onward toward the brink, I paused and took stock of my future. I began to sever my financial connections. This process of slowing down my business pace gave me time for other introspection; and I realized, with astonishment and dismay, how far the swift tide of business had swept me from the course I had charted for my life in youth. I was ashamed to realize that I had neglected the nobler path of duty. I resolved to retire wholly from active business, and to devote the rest of my life to making good the better resolutions of my boyhood. It took me some years to divest myself of my business obligations on one hand, and, on the other, to find a practical field for social service. During this period, in which I was “finding myself,” I was attracted to the career of Woodrow Wilson. I admired the courage with which he was fighting the battle of democracy at Princeton. And, in the early months of 1911, I was even more delighted to watch his progress as Governor of New Jersey: the splendid fight he was making there to overthrow the rule of the bosses, and to write into the statutes of the state those seven measures of practical reform which his enemies derisively dubbed the “Seven Sisters.”