Bankers are too prone to judge a man by his appearance, so that the very men who need the money most have the hardest work to get it. They are apt, especially at the City Bank, to discriminate against the "feller" who looks rocky, in favor of the Rockafeller. Clothes do not make the man! If they did, Hetty Green wouldn't be where she is and Russell Sage would be in the Old Ladies' Home. If Uncle Russell had to travel on his shape, he never would see much of the world. Yet, beneath that ragged coat there beats a heart which as a beater can't be beat--a heart as true (so the Standard Gas people say)--as true as "steal." But after all, Banks and Trust Companies do a lot of good in a quiet way, especially to their directors--in a quiet way. See what a convenience some of our Trust Companies have been to their directors of late. It would sometimes be mortifying for these directors to have to attempt to borrow money on certain securities, in institutions with which they were not connected, because, instead of getting the money, they might get six months. I had intended to touch upon a few vital questions concerning finance this evening, but the night is waning and I guess you've all been "touched" sufficiently of late, so I will restrain myself, and give some other orator a chance to get himself disliked. JAMES ANTHONY FROUDE MEN OF LETTERS [Speech of James A. Froude at the banquet of the Royal Academy, London, April 29, 1876. The President, Sir Francis Grant, in introducing Mr. Froude, said: "The next toast is 'The Interests of Literature and Science.' This toast is always so welcome and so highly appreciated that it needs no exordium from the chair. I cannot associate with the interests of literature a name more worthy than that of Mr. Froude, the scholar and distinguished historian."]