"Of course in justice I must remember what you say, for it is true. But you wanted my vivid impression and I give it to you as the feeling that in the city money seems all-powerful. With it you are able to get everything, to do everything. You can command other men and they obey you. You can reach over the ocean and draw luxuries of every kind to you for your pleasure and your comfort. Wherever you go you are invited to spend money. At least it is suggested to you how much you could have to satisfy your wildest dreams, had you only the necessary bank account. "On the other hand, without money you are like a lost soul in the midst of Paradise. With a little money your life must be spent in miserable tenements, in a dirty, noisy, unsanitary quarter of the city. Your children, perchance, must become familiar with the neighboring prostitute. Disease dogs your steps. Pleasures are few. More income means not merely renting a better tenement, but also changing to a safer and more pleasant neighborhood. And always facing you at every turn, from every show window, even from the posters on the bill boards, are suggestions of what money could do for you if only you had it." "I see your point, but not for many years have I felt the truth of what you say. I imagine I felt strongly the power of money when I first came to the city. Of late I have taken the matter for granted and thought little of it. Yet you must admit that money is power." "Of course, but not to the degree the city deludes one into thinking. Even in the city there is much money cannot do. In the smaller places, especially in the country, one is impressed with the limitations of money. In normal ways it is not possible to spend great sums of money in the country. You do not find methods of getting rid of your money attracting your attention at every turn. If great wealth is spent, a plan must be worked out and some new enterprise undertaken--for example, a magnificent residence or a fancy farm. In the city no forethought is required to spend great wealth. The opportunity is ever at one's elbow. The difficulty is not to accept the importunate invitations." "I assume you blame the cities for the widespread materialism which is charged up against modern life?" "Not altogether. In the country, as you have suggested, we have lovers of money and we have sordid poverty. But I do think that urban life tends to emphasize money-getting and to keep it before the mind in a way that is not natural in the small community. Because of this I regard the cities as the natural strongholds of materialism and I see a danger in the urbanizing movement of modern civilization. I think, therefore, that men like yourself should do everything possible to keep in the public consciousness the splendid idealism that is in the city. I mean such kindly sacrifice as the settlement house. However, I have talked enough. What is your vivid impression as a result of your visit to the place of your boyhood?"