THE PUBLIC WOULD RATHER INVEST ITS MONEY IN MEN THAN IN FINE BUILDINGS. “The story of my further progress can be of little interest to those who are beginning life in the financial world. My early preparation in the New York village was most useful, and, since I had also benefited from my experience with the world, my position was secure. If a young man has some preparation for his work, if he secures a proper opening, and if he behaves himself, there can be no question of his future. In two years after I entered the service of the Merchants’ Loan and Trust Company, I was given the position of cashier, at an annual salary of two thousand dollars, and naturally I was encouraged to find that my efforts were appreciated. I enjoyed my work, and was more convinced than ever before that banking was the career for which I was best fitted by nature. “Every successful man started in a different way from that adopted by any other, and there is no rule which can be laid down as certain to win in the end. Some have received the benefit of a college training, and others have been self-educated. Some began life in other business and drifted into banking, and some were employed in financial houses from the very beginning. It often happens that those who make the most earnest efforts to succeed accomplish less than others who have had less preparation for the work. The prizes of life do not always come to the most deserving. Many things must co-operate to bring great results. Innate ability, which schools cannot furnish, must find conjunction with conditions, circumstances, and opportunities which lie outside of individual control. If you find a man great, distinguished, a business Saul among his brethren, do not worship him overmuch. Perhaps among the humble and unrecognized are a score or a hundred as worthy as he, to whom circumstances were unfavorable or opportunity did not come.