To him, the banking mind was obnoxious; and this antipathy caused him the more surprise at finding McCulloch the broadest, most liberal, most genial, and most practical public man in Washington. There could be no doubt of it. The burden of the Treasury at that time was very great. The whole financial system was in chaos; every part of it required reform; the utmost experience, tact, and skill could not make the machine work smoothly. No one knew how well McCulloch did it until his successor took it in charge, and tried to correct his methods. Adams did not know enough to appreciate McCulloch's technical skill, but he was struck at his open and generous treatment of young men. Of all rare qualities, this was, in Adams's experience, the rarest. As a rule, officials dread interference. The strongest often resent it most. Any official who admits equality in discussion of his official course, feels it to be an act of virtue; after a few months or years he tires of the effort. Every friend in power is a friend lost. This rule is so nearly absolute that it may be taken in practice as admitting no exception. Apparent exceptions exist, and McCulloch was one of them. McCulloch had been spared the gluttonous selfishness and infantile jealousy which are the commoner results of early political education. He had neither past nor future, and could afford to be careless of his company. Adams found him surrounded by all the active and intelligent young men in the country. Full of faith, greedy for work, eager for reform, energetic, confident, capable, quick of study, charmed with a fight, equally ready to defend or attack, they were unselfish, and even--as young men went--honest. They came mostly from the army, with the spirit of the volunteers. Frank Walker, Frank Barlow, Frank Bartlett were types of the generation. Most of the press, and much of the public, especially in the West, shared their ideas. No one denied the need for reform. The whole government, from top to bottom, was rotten with the senility of what was antiquated and the instability of what was improvised. The currency was only one example; the tariff was another; but the whole fabric required reconstruction as much as in 1789, for the Constitution had become as antiquated as the Confederation. Sooner or later a shock must come, the more dangerous the longer postponed. The Civil War had made a new system in fact; the country would have to reorganize the machinery in practice and theory. One might discuss indefinitely the question which branch of government needed reform most urgently; all needed it enough, but no one denied that the finances were a scandal, and a constant, universal nuisance. The tariff was worse, though more interests upheld it. McCulloch had the singular merit of facing reform with large good-nature and willing sympathy--outside of parties, jobs, bargains, corporations or intrigues--which Adams never was to meet again.