in Mr. Joy's language: "I looked carefully into his affairs, and found them in what I believed to be a sound and healthy condition. I then said: 'I won't draw an assignment for you, Chandler; there is no need of it.' 'What shall I do?' was his answer, 'I can't pay that note.' My reply was, 'Write to Tappan & Co. and say that you cannot get the discounts that have been promised, but that if they will renew the note you will be able to pay it when it next falls due.' He took my advice and went through, and never had any trouble with his finances after that. I reminded Mr. Chandler of that occurrence about two months before his death, when he said he remembered it perfectly, and added that if it had not been for that advice he might have been a clerk on a salary to this day." Mr. Chandler's was the first business in Detroit whose sales aggregated $50,000 in a single year, and the reaching of that limit was hailed by the community as a great mercantile triumph. He showed increasing commercial sagacity at every stage of his active business life. He pushed his jobbing trade in all directions and made his interior customers his personal friends. He invested his surplus profits in productive real estate which grew rapidly in value. He was never tempted into speculation, and he was very reluctant to incur debt. As a result, ten years after he landed at Detroit he had a reputation throughout the new Northwest as a merchant of ample means, personal honesty, large connections, and remarkable enterprise.