Let me close with two illustrations within my own personal
observation. In one of the most charming inland cities of the United
States, or of the world, for that matter, I met some fifteen years ago
a young man of German parentage. His father was poor. The son simply
_had_ to help support the family by his daily work. He never got
nearer college than in his dreams.
He knew something of printing, and was employed by a vigorous new
house at an humble salary. By processes such as I have analyzed above,
he made himself the best man in technical work in the firm's employ.
The next step was to demonstrate his ability as a manager and
financier as well as a skilled workman. There was a nut to crack, was
it not? But see, now, how simply he broke the shell of that problem.
With some other sound young men of like quality, he established a
building and loan association, one of those banks of the people which
flourished in those days. He had no capital behind him. His
acquaintance was small. Never mind, he made acquaintances among people
of his own class. So did his fellow directors. Those common people
from which this young man sprang furnished from their earnings the
necessary money.
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