cut off from the wholesome influences which reconcile us to life, even when it must be embittered by a sense of irreparable loss. At the time of my father's death, my dear bachelor uncle John, already mentioned, left his own house and came to live with us. When our paternal mansion was sold, some years later, he removed with us to the house of my eldest brother, who was already a widower. After my marriage my uncle again occupied a house of his own, in which for many years he made us all at home, even with our later incumbrances of children and nurses. He was, in short, the best and kindest of uncles. In business he was more adventurous than his rather deliberate manner would have led one to suppose. It was said that, in the course of his life, he had made and lost several fortunes. In the end he left a very fair estate, which was divided among the several sets of his nieces and nephews. Long before this he had become one of the worthies of Wall Street, and was universally spoken of as "Uncle John." Shortly after his retirement from active business, the Board of Brokers of New York requested him to sit to A. H. Wenzler for a portrait, to be hung in their place of meeting. The portrait was executed with entire success. I ought to mention in this connection that the directors of the New York Bank of Commerce, of which my father was the founder and first president, ordered a portrait of him from the well-known artist, Huntington. CHAPTER V MY STUDIES As a love of study has been a leading influence in my life, I will here employ a little time, at the risk of some repetition, in tracing the way in which my thoughts had mostly tended up to the period when, after two years of deep depression, I suddenly turned to practical life with an eager desire to profit by its opportunities.