John Pierpont Morgan (1837-1913) was born in Hartford, Conn., a son of Junius S. Morgan, who was a partner of George Peabody and the founder of the house of J. S. Morgan & Co. in London. After his university training at G[:o]ttingen, he began his career in the financial world, and by 1895, as the head of J. P. Morgan & Co., was the greatest American financier. His banking house became one of the most powerful in the world, carrying through the formation of the U.S. Steel Corporation, harmonizing the coal and railway interests of Pennsylvania, purchasing the Leyland line of Atlantic steamships and other British lines in 1902, effecting an Atlantic shipping combine, reorganizing many large railways, and in 1895 supplying the U.S. government with $62,000,000 in gold to float a bond issue and restore the treasury surplus of $100,000,000. Mr. Pierpont Morgan was a prominent member of the Episcopal church, a keen yachtsman, a generous patron of charitable and educational institutions, and a notable art and book collector. As president of the Metropolitan Museum he gave or loaned to it many rare and beautiful pictures, statues, and art objects of all kinds. A memorial tablet was recently unveiled in his honour at the museum. Buttermilk Falls (100 ft.) are visible on the west bank after a heavy rain; the buildings on the bluff above belong to Lady Cliff, a school for girls. 49 M. WEST POINT (Garrison). (Train 51 passes 9:46a; No. 3, 10:04a; No. 41, 2:19p; No. 25, 4:00p; No. 19, 6:55p. Eastbound: No. 6 passes 8:01a; No. 26, 8:20a; No. 16, 2:34p; No. 22, 4:00p.) Across the river from Garrison, the imposing buildings of West Point, the "Gibraltar of the Hudson," come into view. The name "West Point" properly belongs to the village located here, but in ordinary usage it refers to the U.S. Military Academy,* America's training school for officers, which at the present time has about 1,000 cadets. [Illustration: West Point from an Aeroplane _Photo Brown Bros._