re than
half a century as counsel and adviser for a great corporation
and its creators and the many successful men of business who
have surrounded them, I have learned to know how men who have
been denied in their youth the opportunities for education feel
when they are in possession of fortunes, and the world seems
at their feet. Then they painfully recognize their limitations,
then they know their weakness, then they understand that there
are things which money cannot buy, and that there are gratifications
and triumphs which no fortune can secure. The one lament of all
those men has been: "Oh, if I had been educated I would sacrifice
all that I have to obtain the opportunities of the college, to be
able to sustain not only conversation and discussion with the
educated men with whom I come in contact, but competent also
to enjoy what I see is a delight to them beyond anything which
I know."

But I recall gratefully other influences quite as important to
one's education. My father was a typical business man, one of
the pioneers of river transportation between our village and
New York, and also a farmer and a merchant. He was a stern man
devoted to his family, and, while a strict disciplinarian, very
fond of his children.

My mother was a woman of unusual intellect bordering upon genius.
There were no means of higher education at that period, but her
father, who was an eminent lawyer, and her grandfather, a judge,
finding her so receptive, educated her with the care that was
given to boys who were intended for a professional life. She was
well versed in the literature of the time of Queen Elizabeth and
Queen Anne, and, with a retentive memory, knew by heart many
of the English classics. She wrote well, but never for publication.
Added to these accomplishments were rare good sense and prophetic
vision. The foundation and much of the superstructure of all that
I have and all that I am were her work. She was a rigid Calvinist,
and one of her many lessons has been of inestimable comfort to
me. Several times in my life I have met with heavy misfortunes
and what seemed irreparable losses. I have returned home to find
my mother with wise advice and suggestions ready to devote herself
to the reconstruction of my fortune, and to brace me up. She
always said what she thoroughly believed: "My son, this which
you think so great a calamity is really divine discipline.
The Lord has sent it to you for your own good, b