Garfield was the first among American Presidents to possess a telephone. An exhibition instrument was placed in his house, without cost, in 1878, while he was still a member of Congress. Neither Cleveland nor Harrison, for temperamental reasons, used the magic wire very often. Under their regime, there was one lonely idle telephone in the White House, used by the servants several times a week. But with McKinley came a new order of things. To him a telephone was more than a necessity. It was a pastime, an exhilarating sport. He was the one President who really revelled in the comforts of telephony. In 1895 he sat in his Canton home and heard the cheers of the Chicago Convention. Later he sat there and ran the first presidential telephone campaign; talked to his managers in thirty-eight States. Thus he came to regard the telephone with a higher degree of appreciation than any of his predecessors had done, and eulogized it on many public occasions. "It is bringing us all closer together," was his favorite phrase. To Roosevelt the telephone was mainly for emergencies. He used it to the full during the Chicago Convention of 1907 and the Peace Conference at Portsmouth. But with Taft the telephone became again the common avenue of conversation. He has introduced at least one new telephonic custom a long-distance talk with his family every evening, when he is away from home. Instead of the solitary telephone of Cleveland-Harrison days, the White House has now a branch exchange of its own--Main 6--with a sheaf of wires that branch out into every room as well as to the nearest central. Next to public officials, bankers were perhaps the last to accept the facilities of the telephone. They were slow to abandon the fallacy that no business can be done without a written record. James Stillman, of New York, was first among bankers to foresee the telephone era. As early as 1875, while Bell was teaching his infant telephone to talk, Stillman risked two thousand dollars in a scheme to establish a crude dial system of wire communication, which later grew into New York's first telephone exchange. At the present time, the banker who works closest to his telephone is probably George W. Perkins, of the J. P. Morgan group of bankers. "He is the only man," says Morgan, "who can raise twenty millions in twenty minutes." The Perkins plan of rapid transit telephony is to prepare a list of names, from ten to thirty, and to flash from one to another as fast as the operator can ring them up. Recently one of the other members of the Morgan bank proposed to enlarge its telephone equipment. "What will we gain by more wires?" asked the operator. "If we were to put in a six-hundred pair cable, Mr. Perkins would keep it busy."