"All my life," he says, "I have been up with the sun. The habit is as easy at sixty-one as it was at sixteen; perhaps easier, because I am hardened to it. I have my breakfast at half-past five or six; I walk down town to my office, and am there by seven, and I know what is going on in the world without having to wait for others to come and tell me. At noon I have a simple luncheon of bread and milk, and after that, usually, a short nap, which freshens me again for the afternoon's work. I am in bed again at nine o'clock every night." Mr. Armour thinks there are as great and as many opportunities for men to succeed in life as there ever have been. He said to Mr. Warren: "There was never a better time than the present, and the future will bring even greater opportunities than the past. Wealth, capital, can do nothing without brains to direct it. It will be as true in the future as it is in the present that brains make capital--capital does not make brains. The world does not stand still. Changes come quicker now than they ever did, and they will come quicker and quicker. New ideas, new inventions, new methods of manufacture, of transportation, new ways to do almost everything, will be found as the world grows older; and the men who anticipate them, and who are ready for them, will find advantages as great as any their fathers or grandfathers have had." [Illustration: PHILIP D. ARMOUR.] Mr. Frank G. Carpenter, the well-known journalist, relates this incident of Mr. Armour:-- "He is a good judge of men, and he usually puts the right man in the right place. I am told that he never discharges a man if he can help it. If the man is not efficient he gives instructions to have him put in some other department, but to keep him if possible. There are certain things, however, which he will not tolerate; and among these are laziness, intemperance, and getting into debt. As to the last, he says he believes in good wages, and that he pays the best. He tells his men that if they are not able to live on the wages he pays them he does not want them to work for him. Not long ago he met a policeman in his office. "'What are you doing here, sir?' he asked. "'I am here to serve a paper,' was the reply. "'What kind of a paper?' asked Mr. Armour. "'I want to garnishee one of your men's wages for debt,' said the policeman. "'Indeed,' replied Mr. Armour; 'and who is the man?' He thereupon asked the policeman into his private office, and ordered the debtor to come in. He then asked the clerk how long he had been in debt. The man replied that for twenty years he had been behind, and that he could not catch up. "'But you get a good salary,' said Mr. Armour, 'don't you?' "'Yes,' said the clerk; 'but I can't get out of debt. My life is such that somehow or other I can't get out.' "'But you must get out,' said Mr. Armour, 'or you must leave here. How much do you owe?'