In the making of very rich men there is always a factor of good fortune and a factor of design and will. One meets rich men at times who seem to be merely lucky gamblers, who strike one as just the thousandth man in a myriad of wild plungers, who are, in fact, chance nobodies washed up by an eddy. Others, again, strike one as exceptionally lucky half-knaves. But there are others of a growth more deliberate and of an altogether higher personal quality. One takes such men as Mr. J.D. Rockefeller or Mr. Pierpont Morgan--the scale of their fortunes makes them public property--and it is clear that we are dealing with persons on quite a different level of intellectual power from the British Colonel Norths, for example, or the South African Joels. In my "Future in America" I have taken the former largely at Miss Tarbell's estimate, and treated him as a case of acquisitiveness raised in Baptist surroundings. But I doubt very much if that exhausts the man as he is to-day. Given a man brought up to saving and "getting on" as if to a religion, a man very acquisitive and very patient and restrained, and indubitably with great organising power, and he grows rich beyond the dreams of avarice. And having done so, there he is. What is he going to do? Every step he takes up the ascent to riches gives him new perspectives and new points of view. It may have appealed to the young Rockefeller, clerk in a Chicago house, that to be rich was itself a supreme end; in the first flush of the discovery that he was immensely rich, he may have thanked Heaven as if for a supreme good, and spoken to a Sunday school gathering as if he knew himself for the most favoured of men. But all that happened twenty years ago or more. One does not keep on in that sort of satisfaction; one settles down to the new facts. And such men as Mr. Rockefeller and Mr. Pierpont Morgan do not live in a made and protected world with their minds trained, tamed and fed and shielded from outside impressions as royalties do. The thought of the world has washed about them; they have read and listened to the discussion of themselves for some decades; they have had sleepless nights of self-examination. To succeed in acquiring enormous wealth does not solve the problem of life; indeed, it reopens it in a new form. "What shall I do with myself?" simply recurs again. You may have decided to devote yourself to getting on, getting wealthy. Well, you have got it. Now, again, comes the question: "What shall I do?"