I promptly accepted his offer, trusting to be able to make payments somehow or other. The two cars were to be paid for by monthly installments after delivery. When the time came for making the first payment, my portion was two hundred and seventeen and a half dollars. I boldly decided to apply to the local banker, Mr. Lloyd, for a loan of that sum. I explained the matter to him, and I remember that he put his great arm (he was six feet three or four) around me, saying: "Why, of course I will lend it. You are all right, Andy." And here I made my first note, and actually got a banker to take it. A proud moment that in a young man's career! The sleeping-cars were a great success and their monthly receipts paid the monthly installments. The first considerable sum I made was from this source. [To-day, July 19, 1909, as I re-read this, how glad I am that I have recently heard from Mr. Lloyd's married daughter telling me of her father's deep affection for me, thus making me very happy, indeed.] One important change in our life at Altoona, after my mother and brother arrived, was that, instead of continuing to live exclusively by ourselves, it was considered necessary that we should have a servant. It was with the greatest reluctance my mother could be brought to admit a stranger into the family circle. She had been everything and had done everything for her two boys. This was her life, and she resented with all a strong woman's jealousy the introduction of a stranger who was to be permitted to do anything whatever in the home. She had cooked and served her boys, washed their clothes and mended them, made their beds, cleaned their home. Who dare rob her of those motherly privileges! But nevertheless we could not escape the inevitable servant girl. One came, and others followed, and with these came also the destruction of much of that genuine family happiness which flows from exclusiveness. Being served by others is a poor substitute for a mother's labor of love. The ostentatious meal prepared by a strange cook whom one seldom sees, and served by hands paid for the task, lacks the sweetness of that which a mother's hands lay before you as the expression and proof of her devotion.