He entered the office of Leech, Harrison and Co. in 1824, when he was 14 years of age, became a partner at the age of 27, and retired in 1862, when he purchased the estate of Thornton Manor, in Cheshire; here he resided for the remainder of his life. My father was endowed with a quick and bright intelligence, and was a most excellent correspondent in days when letter writing was a fine art. He had a love and capacity for hard work. He was too much absorbed in his own business to take an active part in public life, but he was for a time a vice-president of the Chamber of Commerce, and took a leading part in the effort to obtain a reduction in the railway charges levied upon Liverpool traffic. He was for twenty-two years a member of the Mersey Dock Board, and chairman of the Traffic Committee. After he retired from business he became a magistrate for the county of Cheshire, and greatly interested himself in the restoration of Chester cathedral. He died at his London house, in Regent's Park, December 18th, 1884, and was buried at Thornton Hough, Cheshire. My mother was a daughter of William Bower, the founder of the firm of William Bower and Sons, cotton brokers. My grandmother, Mrs. Bower, was left a widow when quite young, but must have been a woman of much ability, for during the minority of her eldest son, for several years she carried on the business, going down to the office every day. In this she was actively assisted by the late Mr. Geo. Holt, the founder of the firm of Geo. Holt and Co., with the result that when her son came of age the business was one of the largest and most prosperous on the Cotton Exchange. I often heard her speak with gratitude of the noble self-sacrifice of Mr. Holt during all these years.