CHAPTER V

MY MORALS

The concrete evidence of my success as represented by my accumulated

capital--outside of my uptown dwelling house--amounts, as I have

previously said, to about seven hundred and fifty thousand dollars. This

is invested principally in railroad and mining stocks, both of which are

subject to considerable fluctuation; and I have also substantial

holdings in industrial corporations. Some of these companies I represent

professionally. As a whole, however, my investments may be regarded as

fairly conservative. At any rate they cause me little uneasiness.

My professional income is regular and comes with surprisingly little

effort. I have as clients six manufacturing corporations that pay me

retainers of twenty-five hundred dollars each, besides my regular fees

for services rendered. I also represent two banks and a trust company.

All this is fixed business and most of it is attended to by younger men,

whom I employ at moderate salaries. I do almost no detail work myself,

and my junior partners relieve me of the drawing of even important

papers; so that, though I am constantly at my office, my time is spent

in advising and consulting.

I dictate all my letters and rarely take a pen in my hand. Writing has

become laborious and irksome. I even sign my correspondence with an

ingenious rubber stamp that imitates my scrawling signature beyond

discovery. If I wish to know the law on some given point I press a

button and tell my managing clerk what I want. In an hour or two he

hands me the authorities covering the issue in question in typewritten

form. It is extraordinarily simple and easy. Yet only yesterday I heard

of a middle-aged man, whom I knew to be a peculiarly well-equipped

all-around lawyer, who was ready to give up his private practice and

take a place in any reputable office at a salary of thirty-five hundred

dollars!

Most of my own time is spent in untangling mixed puzzles of law and

fact, and my clients are comparatively few in number, though their

interests are large. Thus I see the same faces over and over again. I

lunch daily at a most respectable eating club; and here, too, I meet the

same men over and over again. I rarely make a new acquaintance downtown;

in fact I rarely leave my office during the day. If I need to confer

with any other attorney I telephone. There are dozens of lawyers in New

York whose voices I know well--yet whose faces I have never seen.

My office is on the nineteenth floor of a white marble building, and I

can look down the harbor to the south and up the Hudson to the north. I

sit there in my window like a cliffdweller at the mouth of his cave.

When I walk along Wall Street I can look up at many other hundreds of

these caves, each with its human occupant. We leave our houses uptown,

clamber down into a tunnel called the Subway, are shot five miles or so

through the earth, and debouch into an elevator that rushes us up to our

caves. Only between my house and the entrance to the Subway am I obliged

to step into the open air at all. A curious life! And I sit in my chair

and talk to people in multitudes of other caves near by, or caves in New

Jersey, Washington or Chicago.

Louis XI used to be called "the human spider" by reason of his industry,

but we modern office men are far more like human spiders than he, as we

sit in the center of our webs of invisible wires. We wait and wait, and

our lines run out across the length and breadth of the land--sometimes

getting tangled, to be sure, so that it is frequently difficult to

decide just which spider owns the web; but we sit patiently doing

nothing save devising the throwing out of other lines.

We weave, but we do not build; we manipulate, buy, sell and lend,

quarrel over the proceeds, and cover the world with our nets, while the

ants and the bees of mankind labor, construct and manufacture, and

struggle to harness the forces of Nature. We plan and others execute.

We dicker, arrange, consult, cajole, bribe, pull our wires and extort;

but we do it all in one place--the center of our webs and the webs are

woven in our caves.

I figure that I spend about six hours each day in my office; that I

sleep nearly nine hours; that I am in transit on surface cars and in

subways at least one hour and a half more; that I occupy another hour

and a half in bathing, shaving and dressing, and an hour lunching at

midday. This leaves a margin of five hours a day for all other

activities.

Could even a small portion of this time be spent consecutively in

reading in the evening, I could keep pace with current thought and

literature much better than I do; or if I spent it with my son and

daughters I should know considerably more about them than I do now,

which is practically nothing. But the fact is that every evening from

the first of November to the first of May the motor comes to the door at

five minutes to eight and my wife and I are whirled up or down town to a

dinner party--that is, save on those occasions when eighteen or twenty

people are whirled to us.

* * * * *

This short recital of my daily activities is sufficient to demonstrate

that I lead an exceedingly narrow and limited existence. I do not know

any poor men, and even the charities in which I am nominally interested

are managed by little groups of rich ones. The truth is, I learned

thirty years ago that if one wants to make money one must go where money

is and cultivate the people who have it. I have no petty legal

business--there is nothing in it. If I cannot have millionaires for

clients I do not want any. The old idea that the young country lawyer

could shove a pair of socks into his carpetbag, come to the great city,

hang out his shingle and build up a practice has long since been

completely exploded. The best he can do now is to find a clerkship at

twelve hundred dollars a year.

Big business gravitates to the big offices; and when the big firms look

round for junior partners they do not choose the struggling though

brilliant young attorney from the country, no matter how large his

general practice may have become; but they go after the youth whose

father is a director in forty corporations or the president of a trust.

In the same way what time I have at my disposal to cultivate new

acquaintances I devote not to the merely rich and prosperous but to the

multi-millionaire--if I can find him--who does not even know the size of

his income. I have no time to waste on the man who is simply earning

enough to live quietly and educate his family. He cannot throw anything

worth while in my direction; but a single crumb from the magnate's table

may net me twenty or thirty thousand dollars. Thus, not only for social

but for business reasons, successful men affiliate habitually only with

rich people. I concede that is a rather sordid admission, but it is

none the truth.

* * * * *

Money is the symbol of success; it is what we are all striving to get,

and we naturally select the ways and means best adapted for the purpose.

One of the simplest is to get as near it as possible and stay there. If

I make a friend of a struggling doctor or professor he may invite me to

draw his will, which I shall either have to do for nothing or else

charge him fifty dollars for; but the railroad president with whom I

often lunch, and who is just as agreeable personally, may perhaps ask me

to reorganize a railroad. I submit that, selfish as it all seems when I

write it down, it would be hard to do otherwise.

I do not deliberately examine each new candidate for my friendship and

select or reject him in accordance with a financial test; but what I do

is to lead a social and business life that will constantly throw me only

with rich and powerful men. I join only rich men's clubs; I go to

resorts in the summer frequented only by rich people; and I play only

with those who can, if they will, be of advantage to me. I do not do

this deliberately; I do it instinctively--now. I suppose at one time it

was deliberate enough, but to-day it comes as natural as using my

automobile instead of a street car.

We have heard a great deal recently about a so-called Money Trust. The

truth of the matter is that the Money Trust is something vastly greater

than any mere aggregation of banks; it consists in our fundamental trust

in money. It is based on our instinctive and ineradicable belief that

money rules the destinies of mankind.

Everything is estimated by us in money. A man is worth so and so

much--in dollars. The millionaire takes precedence of everybody, except

at the White House. The rich have things their own way--and every one

knows it. Ashamed of it? Not at all. We are the greatest snobs in the

civilized world, and frankly so. We worship wealth because at present we

desire only the things wealth can buy.

The sea, the sky, the mountains, the clear air of autumn, the simple

sports and amusements of our youth and of the comparatively poor,

pleasures in books, in birds, in trees and flowers, are disregarded for

the fierce joys of acquisition, of the ownership in stocks and bonds, or

for the no less keen delight in the display of our own financial

superiority over our fellows.

We know that money is the key to the door of society. Without it our

sons will not get into the polo-playing set or our daughters figure in

the Sunday supplements. We want money to buy ourselves a position and to

maintain it after we have bought it.

We want house on the sunny side of the street, with façades of graven

marble; we want servants in livery and in buttons--or in powder and

breeches if possible; we want French chefs and the best wine and

tobacco, twenty people to dinner on an hour's notice, supper parties and

a little dance afterward at Sherry's or Delmonico's, a box at the opera

and for first nights at the theaters, two men in livery for our motors,

yachts and thirty-footers, shooting boxes in South Carolina, salmon

water in New Brunswick, and regular vacations, besides, at Hot Springs,

Aiken and Palm Beach; we want money to throw away freely and like

gentlemen at Canfield's, Bradley's and Monte Carlo; we want clubs,

country houses, saddle-horses, fine clothes and gorgeously dressed

women; we want leisure and laughter, and a trip or so to Europe every

year, our names at the top of the society column, a smile from the grand

dame in the tiara and a seat at her dinner table--these are the things

we want, and since we cannot have them without money we go after the

money first, as the _sine qua non_.

We want these things for ourselves and we want them for our children. We

hope our grandchildren will have them also, though about that we do not

care so much. We want ease and security and the relief of not thinking

whether we can afford to do things. We want to be lords of creation and

to pass creation on to our descendants, exactly as did the nobility of

the _Ancien Régime_.

At the present time money will buy anything, from a place in the vestry

of a swell church to a seat in the United States Senate--an election to

Congress, a judgeship or a post in the diplomatic service. It will buy

the favor of the old families or a decision in the courts. Money is the

controlling factor in municipal politics in New York. The moneyed group

of Wall Street wants an amenable mayor--a Tammany mayor preferred--so

that it can put through its contracts. You always know where to find a

regular politician. One always knew where to find Dick Croker. So the

Traction people pour the contents of their coffers into the campaign

bags.

Until very recently the Supreme Court judges of New York bought their

positions by making substantial contributions to the Tammany treasury.

The inferior judgeships went considerably cheaper. A man who stood in

with the Big Boss might get a bargain. I have done business with

politicians all my life and I have never found it necessary to mince my

words. If I wanted a favor I always asked exactly what it was going to

cost--and I always got the favor.

No one needs to hunt very far for cases where the power of money has

influenced the bench in recent times. The rich man can buy his son a

place in any corporation or manufacturing company. The young man may go

in at the bottom, but he will shoot up to the top in a year or two, with

surprising agility, over the heads of a couple of thousand other and

better men. The rich man can defy the law and scoff at justice; while

the poor man, who cannot pay lawyers for delay, goes to prison. These

are the veriest platitudes of demagogy, but they are true--absolutely

and undeniably true.

We know all this and we act accordingly, and our children imbibe a like

knowledge with their mother's or whatever other properly sterilized milk

we give them as a substitute. We, they and everybody else know that if

enough money can be accumulated the possessor will be on Easy Street for

the rest of his life--not merely the Easy Street of luxury and comfort,

but of security, privilege and power; and because we like Easy Street

rather than the Narrow Path we devote ourselves to getting there in the

quickest possible way.

We take no chances on getting our reward in the next world. We want it

here and now, while we are sure of it--on Broadway, at Newport or in

Paris. We do not fool ourselves any longer into thinking that by

self-sacrifice here we shall win happiness in the hereafter. That is all

right for the poor, wretched and disgruntled. Even the clergy are prone

to find heaven and hell in this world rather than in the life after

death; and the decay of faith leads us to feel that a purse of gold in

the hand is better than a crown of the same metal in the by-and-by. We

are after happiness, and to most of us money spells it.

The man of wealth is protected on every side from the dangers that beset

the poor. He can buy health and immunity from anxiety, and he can

install his children in the same impregnable position. The dust of his

motor chokes the citizen trudging home from work. He soars through life

on a cushioned seat, with shock absorbers to alleviate all the bumps. No

wonder we trust in money! We worship the golden calf far more than ever

did the Israelites beneath the crags of Sinai. The real Money Trust is

the tacit conspiracy by which those who have the money endeavor to hang

on to it and keep it among themselves. Neither at the present time do

great fortunes tend to dissolve as inevitably as formerly.

Oliver Wendell Holmes somewhere analyzes the rapid disintegration of the

substantial fortunes of his day and shows how it is, in fact, but "three

generations from shirtsleeves to shirtsleeves." A fortune of two hundred

thousand dollars divided among four children, each of whose share is

divided among four grandchildren, becomes practically nothing at all--in

only two. But could the good doctor have observed the tendencies of

to-day he would have commented on a new phenomenon, which almost

counteracts the other.

It may be, and probably is, the fact that comparatively small fortunes

still tend to disintegrate. This was certainly the rule during the first

half of the nineteenth century in New England, when there was no such

thing as a distinctly moneyed class, and when the millionaire was a

creature only of romance. But when, as to-day, fortunes are so large

that it is impossible to spend or even successfully give away the income

from them, a new element is introduced that did not exist when Doctor

Holmes used to meditate in his study on the Back Bay overlooking the

placid Charles.

At the present time big fortunes are apt to gain by mere accretion what

they lose by division; and the owner of great wealth has opportunities

for investment undreamed of by the ordinary citizen who must be content

with interest at four per cent and no unearned increment on his capital.

This fact might of itself negative the tendency of which he speaks; but

there is a much more potent force working against it as well. That is

the absolute necessity, induced by the demands of modern metropolitan

life, of keeping a big fortune together--or, if it must be divided, of

rehabilitating it by marriage.

There was a time not very long ago when one rarely heard of a young man

or young woman of great wealth marrying anybody with an equal fortune.

To do so was regarded with disapproval, and still is in some

communities. To-day it is the rule instead of the exception. Now we

habitually speak in America of the "alliances of great families." There

are two reasons for this--first, that being a multi-millionaire is

becoming, as it were, a sort of recognized profession, having its own

sports, its own methods of business and its own interests; second, that

the luxury of to-day is so enervating and insidious that a girl or

youth reared in what is called society cannot be comfortable, much less

happy, on the income of less than a couple of million dollars.

As seems to be demonstrated by the table of my own modest expenditure in

a preceding article, the income of but a million dollars will not

support any ordinary New York family in anything like the luxury to

which the majority of our young people--even the sons and daughters of

men in moderate circumstances--are accustomed.

Our young girls are reared on the choicest varieties of food, served

with piquant sauces to tempt their appetites; they are permitted to pick

and choose, and to refuse what they think they do not like; they are

carried to and from their schools, music and dancing lessons in motors,

and are taught to regard public conveyances as unhealthful and

inconvenient; they never walk; they are given clothes only a trifle less

fantastic and bizarre than those of their mothers, and command the

services of maids from their earliest years; they are taken to the

theater and the hippodrome, and for the natural pleasures of childhood

are given the excitement of the footlights and the arena.

As they grow older they are allowed to attend late dances that

necessitate remaining in bed the next morning until eleven or twelve

o'clock; they are told that their future happiness depends on their

ability to attract the right kind of man; they are instructed in every

art save that of being useful members of society; and in the ease,

luxury and vacuity with which they are surrounded their lives parallel

those of demi-mondaines. Indeed, save for the marriage ceremony, there

is small difference between them. The social butterfly flutters to the

millionaire as naturally as the night moth of the Tenderloin. Hence the

tendency to marry money is greater than ever before in the history of

civilization.

Frugal, thrifty lives are entirely out of fashion. The solid,

self-respecting class, which wishes to associate with people of equal

means, is becoming smaller and smaller. If an ambitious mother cannot

afford to rent a cottage at Newport or Bar Harbor she takes her daughter

to a hotel or boarding house there, in the hope that she will be thrown

in contact with young men of wealth. The young girl in question, whose

father is perhaps a hardworking doctor or business man, at home lives

simply enough; but sacrifices are made to send her to a fashionable

school, where her companions fill her ears with stories of their motors,

trips to Europe, and the balls they attend during the vacations. She

becomes inoculated with the poison of social ambition before she comes

out.

Unable by reason of the paucity of the family resources to buy luxuries

for herself, she becomes a parasite and hanger-on of rich girls. If she

is attractive and vivacious so much the better. Like the shopgirl

blinded by the glare of Broadway, she flutters round the drawing rooms

and country houses of the ultra-rich seeking to make a match that will

put luxury within her grasp; but her chances are not so good as

formerly.

To-day the number of large fortunes has increased so rapidly that the

wealthy young man has no difficulty in choosing an equally wealthy mate

whose mental and physical attractions appear, and doubtless are, quite

as desirable as those of the daughter of poorer parents. The same

instinct to which I have confessed myself, as a professional man, is at

work among our daughters and sons. They may not actually judge

individuals by the sordid test of their ability to purchase ease and

luxury, but they take care to meet and associate with only those who can

do so.

In this their parents are their ofttimes unconscious accomplices. The

worthy young man of chance acquaintance is not invited to call--or, if

he is, is not pressed to stay to dinner. "Oh, he does not know our

crowd!" explains the girl to herself. The crowd, on analysis, will

probably be found to contain only the sons and daughters of fathers and

mothers who can entertain lavishly and settle a million or so on their

offspring at marriage.

There is a constant attraction of wealth for wealth. Poverty never

attracted anything. If our children have money of their own that is a

good reason to us why they should marry more money. We snarl angrily at

the penniless youth, no matter how capable and intelligent, who dares

cast his eyes on our daughter. We make it quite unambiguous that we have

other plans for her--plans that usually include a steam yacht and a

shooting box north of Inverness.

There is nothing more vicious than the commonly expressed desire of

parents in merely moderate circumstances to give their children what are

ordinarily spoken of as "opportunities." "We wish our daughters to have

every opportunity--the best opportunities," they say, meaning an equal

chance with richer girls of qualifying themselves for attracting wealthy

men and of placing themselves in their way. In reality opportunities for

what?--of being utterly miserable for the rest of their lives unless

they marry out of their own class.

The desire to get ahead that is transmitted from the American business

man to his daughter is the source of untold bitterness--for, though he

himself may fail in his own struggle, he has nevertheless had the

interest of the game; but she, an old maid, may linger miserably on,

unwilling to share the domestic life of some young man more than her

equal in every respect.

There is a subtle freemasonry among those who have to do with money.

Young men of family are given sinecures in banks and trust companies,

and paid many times the salaries their services are worth. The

inconspicuous lad who graduates from college the same year as one who

comes from a socially prominent family will slave in a downtown office

eight hours a day for a thousand dollars a year, while his classmate is

bowing in the ladies at the Fifth Avenue Branch--from ten to three

o'clock--at a salary of five thousand dollars. Why? Because he knows

people who have money and in one way or another may be useful sometime

to the president in a social way.

The remuneration of those of the privileged class who do any work at all

is on an entirely different basis from that of those who need it. The

poor boy is kept on as a clerk, while the rich one is taken into the

firm. The old adage says that "Kissing goes by favor"; and favors,

financial and otherwise, are given only to those who can offer something

in return. The tendency to concentrate power and wealth extends even to

the outer rim of the circle. It is an intangible conspiracy to corner

the good things and send the poor away empty. As I see it going on round

me, it is a heartless business.

Society is like an immense swarm of black bees settled on a honey-pot.

The leaders, who flew there first, are at the top, gorged and distended.

Round, beneath and on them crawl thousands of others thirsting to feed

on the sweet, liquid gold. The pot is covered with them, layer on

layer--buzzing hungrily; eager to get as near as possible to the honey,

even if they may not taste it. A drop falls on one and a hundred fly on

him and lick it off. The air is alive with those who are circling about

waiting for an advantageous chance to wedge in between their comrades.

They will, with one accord, sting to death any hapless creature who

draws near.

* * * * *

Frankly I should not be enough of a man to say these things if my

identity were disclosed, however much they ought to be said. Neither

should I make the confessions concerning my own career that are to

follow; for, though they may evidence a certain shrewdness on my own

part, I do not altogether feel that they are to my credit.

When my wife and I first came to New York our aims and ideals were

simple enough. I had letters to the head of a rather well-known firm on

Wall Street and soon found myself its managing clerk at one hundred

dollars a month. The business transacted in the office was big

business--corporation work, the handling of large estates, and so on.

During three years I was practically in charge of and responsible for

the details of their litigations; the net profit divided by the two

actual members of the firm was about one hundred and fifty thousand

dollars. The gross was about one hundred and eighty thousand, of which

twenty thousand went to defray the regular office expenses--including

rent, stenographers and ordinary law clerks--while ten thousand was

divided among the three men who actually did most of the work.

The first of these was a highly trained lawyer about forty-five years of

age, who could handle anything from a dog-license matter before a police

justice to the argument of a rebate case in the United States Supreme

Court. He was paid forty-five hundred dollars a year and was glad to get

it. He was the active man of the office. The second man received

thirty-five hundred dollars, and for that sum furnished all the special

knowledge needed in drafting railroad mortgages and intricate legal

documents of all sorts. The third was a chap of about thirty who tried

the smaller cases and ran the less important corporations.

The two heads of the firm devoted most of their time to mixing with

bankers, railroad officials and politicians, and spent comparatively

little of it at the office; but they got the business--somehow. I

suppose they found it because they went out after it. It was doubtless

quite legitimate. Somebody must track down the game before the hunter

can do the shooting. At any rate they managed to find plenty of it and

furnished the work for the other lawyers to do.

I soon made up my mind that in New York brains were a pretty cheap

commodity. I was anxious to get ahead; but there was no opening in the

firm and there were others ready to take my place the moment it should

become vacant. I was a pretty fair lawyer and had laid by in the bank

nearly a thousand dollars; so I went to the head of the firm and made

the proposition that I should work at the office each day until one

o'clock and be paid half of what I was then getting--that is, fifty

dollars a month. In the afternoons an understudy should sit at my desk,

while I should be free.

I then suggested that the firm might divide with me the proceeds of any

business I should bring in. My offer was accepted; and the same

afternoon I went to the office of a young stockbroker I knew and stayed

there until three o'clock. The next day I did the same thing, and the

day after. I did not buy any stocks, but I made myself agreeable to the

group about the ticker and formed the acquaintance of an elderly German,

who was in the chewing-gum business and who amused himself playing the

market.

It was not long before he invited me to lunch with him and I took every

opportunity to impress him with my legal acumen. He had a lawyer of his

own already, but I soon saw that the impression I was making would have

the effect I desired; and presently, as I had confidently expected, he

gave me a small legal matter to attend to. Needless to say it was

accomplished with care, celerity and success. He gave me another. For

six months I dogged that old German's steps every day from one o'clock

in the afternoon until twelve at night. I walked, talked, drank beer

and played pinochle with him, sat in his library in the evenings, and

took him and his wife to the theater.

At the end of that period he discharged his former attorney and retained

me. The business was easily worth thirty-five hundred dollars a year,

and within a short time the Chicle Trust bought out his interests and I

became a director in it and one of its attorneys.

I had already severed my connection with the firm and had opened an

office of my own. Among the directors in the trust with whom I was

thrown were a couple of rich young men whose fathers had put them on the

board merely for purposes of representation. These I cultivated with the

same assiduity as I had used with the German. I spent my entire time

gunning for big game. I went after the elephants and let the sparrows

go. It was only a month or so before my acquaintance with these two

boys--for they were little else--had ripened into friendship. My wife

and I were invited to visit at their houses and I was placed in contact

with their fathers. From these I soon began to get business. I have kept

it--kept it to myself. I have no real partners to steal it away from me.

I am now the same kind of lawyer as the two men who composed the firm

for which I slaved at a hundred dollars a month. I find the work for my

employees to do. I am now an exploiter of labor. It is hardly necessary

for me to detail the steps by which I gradually acquired what is known

as a gilt-edged practice; but it was not by virtue of my legal

abilities, though they are as good as the average. I got it by putting

myself in the eye of rich people in every way open to me. I even joined

a fashionable church--it pains me to write this--for the sole purpose of

becoming a member of the vestry and thus meeting on an intimate footing

the half-dozen millionaire merchants who composed it. One of them gave

me his business, made me his trustee and executor; and then I resigned

from the vestry.

I always made myself _persona grata_ to those who could help me along,

wore the best clothes I could buy, never associated with shabby people,

and appeared as much as possible in the company of my financial betters.

It was the easier for me to do this because my name was not Irish,

German or Hebraic. I had a good appearance, manners and an agreeable

gloss of culture and refinement. I was tactful, considerate, and tried

to strike a personal note in my intercourse with people who were worth

while; in fact I made it a practice--and still do so--to send little

mementos to my newer acquaintances--a book or some such trifle--with a

line expressing my pleasure at having met them.

I know a considerable number of doctors, as well as lawyers, who have

built up lucrative practices by making love to their female clients and

patients. That I never did; but I always made it a point to flatter any

women I took in to dinner, and I am now the trustee or business adviser

for at least half a dozen wealthy widows as a direct consequence.

One reason for my success is, I discovered very early in the game that

no woman believes she really needs a lawyer. She consults an attorney

not for the purpose of getting his advice, but for sympathy and his

approval of some course she has already decided on and perhaps already

followed. A lawyer who tells a woman the truth thereby loses a client.

He has only to agree with her and compliment her on her astuteness and

sagacity to intrench himself forever in her confidence.

A woman will do what she wants to do--every time. She goes to a lawyer

to explain why she intends to do it. She wants to have a man about on

whom she can put the blame if necessary, and is willing to

pay--moderately--for the privilege. She talks to a lawyer when no one

else is willing to listen to her, and thoroughly enjoys herself. He is

the one man who--unless he is a fool--cannot talk back.

Another fact to which I attribute a good deal of my professional éclat

is, that I never let any of my social friends forget that I was a lawyer

as well as a good fellow; and I always threw a hearty bluff at being

prosperous, even when a thousand or two was needed to cover the

overdraft in my bank account. It took me about ten years to land myself

firmly among the class to which I aspired, and ten years more to make

that place impregnable.

To-day we are regarded as one of the older if not one of the old

families in New York. I no longer have to lick anybody's boots, and

until I began to pen these memoirs I had really forgotten that I ever

had. Things come my way now almost of themselves. All I have to do is to

be on hand in my office--cheerful, hospitable, with a good story or so

always on tap. My junior force does the law work. Yet I challenge

anybody to point out anything dishonorable in those tactics by which I

first got my feet on the lower rungs of the ladder of success.

It may perhaps be that I should prefer to write down here the story of

how, simply by my assiduity and learning, I acquired such a reputation

for a knowledge of the law that I was eagerly sought out by a horde of

clamoring clients who forced important litigations on me. Things do not

happen that way in New York to-day.

Should a young man be blamed for getting on by the easiest way he can?

Life is too complex; the population too big. People have no accurate

means of finding out who the really good lawyers or doctors are. If you

tell them you are at the head of your profession they are apt to believe

you, particularly if you wear a beard and are surrounded by an

atmosphere of solemnity. Only a man's intimate circle knows where he is

or what he is doing at any particular time.

I remember a friend of mine who was an exceedingly popular member of one

of the exclusive Fifth Avenue clubs, and who, after going to Europe for

a short vacation, decided to remain abroad for a couple of years. At the

end of that time he returned to New York hungry for his old life and

almost crazy with delight at seeing his former friends. Entering the

club about five o'clock he happened to observe one of them sitting by

the window. He approached him enthusiastically, slapped him on the

shoulder, extended his hand and cried:

"Hello, old man! It's good to see you again!"

The other man looked at him in a puzzled sort of way without moving.

"Hello, yourself!" he remarked languidly. "It's good to see you, all

right--but why make so much damned fuss about it?"

The next sentence interchanged between the two developed the fact that

he was totally ignorant that his friend had been away at all. This is by

no means a fantastic illustration. It happens every day. That is one of

the joys of living in New York. You can get drunk, steal a million or

so, or run off with another man's wife--and no one will hear about it

until you are ready for something else. In such a community it is not

extraordinary that most people are taken at their face value. Life

moves at too rapid a pace to allow us to find out much about

anybody--even our friends. One asks other people to dinner simply

because one has seen them at somebody's else house.

I found it at first very difficult--in fact almost impossible--to spur

my wife on to a satisfactory cooperation with my efforts to make the

hand of friendship feed the mouth of business. She rather indignantly

refused to meet my chewing-gum client or call on his wife. She said she

preferred to keep her self-respect and stay in the boarding-house where

we had resided since we moved to the city; but I demonstrated to her by

much argument that it was worse than snobbish not to be decently polite

to one's business friends. It was not their fault if they were vulgar.

One might even help them to enlarge their lives. Gradually she came

round; and as soon as the old German had given me his business she was

the first to suggest moving to an apartment hotel uptown.

For a long time, however, she declined to make any genuine social

effort. She knew two or three women from our neighborhood who were

living in the city, and she used to go and sit with them in the

afternoons and sew and help take care of the children. She said they and

their husbands were good enough for her and that she had no aspirations

toward society. An evening at the theater--in the balcony--every two

weeks or so, and a rubber of whist on Saturday night, with a

chafing-dish supper afterward, was all the excitement she needed. That

was twenty-five years ago. To-day it is I who would put on the brakes,

while she insists on shoveling soft coal into the social furnace.

Her metamorphosis was gradual but complete. I imagine that her first

reluctance to essay an acquaintance with society arose out of

embarrassment and bashfulness. At any rate she no sooner discovered how

small a bluff was necessary for success than she easily outdid me in the

ingenuity and finesse of her social strategy. It seemed to be

instinctive with her. She was always revising her calling lists and

cutting out people who were no longer socially useful; and having got

what she could out of a new acquaintance, she would forget her as

completely as if she had never made her the confidante of her inmost

thoughts about other and less socially desirable people.

It seems a bit cold-blooded--this criticism of one's wife; but I know

that, however much of a sycophant I may have been in my younger days, my

wife has outdone me since then. Presently we were both in the swim,

swept off our feet by the current and carried down the river of success,

willy-nilly, toward its mouth--to a safe haven, I wonder, or the deluge

of a devouring cataract?

* * * * *

The methods I adopted are those in general use, either consciously or

unconsciously, among people striving for success in business, politics

or society in New York. It is a struggle for existence, precisely like

that which goes on in the animal world. Only those who have strength or

cunning survive to achieve success. Might makes right to an extent

little dreamed of by most of us. Nobody dares to censure or even mildly

criticize one who has influence enough to do him harm. We are interested

only in safeguarding or adding to the possessions we have already

secured. We are wise enough to "play safe." To antagonize one who might

assist in depriving us of some of them is contrary to the laws of

Nature.

Our thoughts are for ourselves and our children alone. The devil take

everybody else! We are safe, warm and comfortable ourselves; we exist

without actual labor; and we desire our offspring to enjoy the same ease

and safety. The rest of mankind is nothing to us, except a few people it

is worth our while to be kind to--personal servants and employees. We

should not hesitate to break all ten of the Commandments rather than

that we and our children should lose a few material comforts. Anything,

save that we should have really to work for a living!

There are essentially two sorts of work: first--genuine labor, which

requires all a man's concentrated physical or mental effort; and

second--that work which takes the laborer to his office at ten o'clock

and, after an easy-going administrative morning, sets him at liberty at

three or four.

The officer of an uptown trust company or bank is apt to belong to the

latter class. Or perhaps one is in real estate and does business at the

dinner tables of his friends. He makes love and money at the same time.

His salary and commissions correspond somewhat to the unearned increment

on the freeholds in which he deals. These are minor illustrations, but a

majority of the administrative positions in our big corporations carry

salaries out of all proportion to the services rendered.

These are the places my friends are all looking for--for themselves or

their children. The small stockholder would not vote the president of

his company a salary of one hundred thousand dollars a year, or the

vice-president fifty thousand dollars; but the rich man who controls the

stock is willing to give his brother or his nephew a soft snap. From

what I know of corporate enterprise in these United States, God save the

minority stockholder! But we and our brothers and sons and nephews must

live--on Easy Street. We must be able to give expensive dinners and go

to the theater and opera, and take our families to Europe--and we can't

do it without money.

We must be able to keep up our end without working too hard, to be safe

and warm, well fed and smartly turned out, and able to call in a

specialist and a couple of trained nurses if one of the children falls

ill; we want thirty-five feet of southerly exposure instead of

seventeen, menservants instead of maid-servants, and a new motor every

two years.

We do not object to working--that is to say, we pride ourselves on

having a job. We like to be moderately busy. We would not have enough to

amuse us all day if we did not go to the office in the morning; but what

we do is not _work_! It is occupation perhaps--but there is no labor

about it, either of mind or body. It is a sinecure--a "cinch." We could

stay at home and most of us would not be missed. It is not the

seventy-five-hundred-dollar-a-year vice-president but the

eight-hundred-and-fifty-dollar clerk for want of whom the machine would

stop if he were sick. Our labor is a kind of masculine light housework.

We probably have private incomes, thanks to our fathers or great

uncles--not large enough to enable us to cut much of a dash, to be sure,

but sufficient to give us confidence--and the proceeds of our daily

toil, such as it is, go toward the purchase of luxuries merely. Because

we are in business we are able to give bigger and more elegant dinner

parties, go to Palm Beach in February, and keep saddle-horses; but we

should be perfectly secure without working at all.

Hence we have a sense of independence about it. We feel as if it were

rather a favor on our part to be willing to go into an office; and we

expect to be paid vastly more proportionately than the fellow who needs

the place in order to live: so we cut him out of it at a salary three

times what he would have been paid had he got the job, while he keeps on

grinding at the books as a subordinate. We come down late and go home

early, drop in at the club and go out to dinner, take in the opera, wear

furs, ride in automobiles, and generally boss the show--for the sole

reason that we belong to the crowd who have the money. Very likely if we

had not been born with it we should die from malnutrition, or go to

Ward's Island suffering from some variety of melancholia brought on by

worry over our inability to make a living.

I read the other day the true story of a little East Side tailor who

could not earn enough to support himself and his wife. He became

half-crazed from lack of food and together they resolved to commit

suicide. Somehow he secured a small 22-caliber rook rifle and a couple

of cartridges. The wife knelt down on the bed in her nightgown, with her

face to the wall, and repeated a prayer while he shot her in the back.

When he saw her sink to the floor dead he became so unnerved that,

instead of turning the rifle on himself, he ran out into the street,

with chattering teeth, calling for help.

This tragedy was absolutely the result of economic conditions, for the

man was a hardworking and intelligent fellow, who could not find

employment and who went off his head from lack of nourishment.

Now "I put it to you," as they say in the English law courts, how much

of a personal sacrifice would you have made to prevent this tragedy?

What would that little East Side Jewess' life have been worth to you?

She is dead. Her soul may or may not be with God. As a suicide the

Church would say it must be in hell. Well, how much would you have done

to preserve her life or keep her soul out of hell?

Frankly, would you have parted with five hundred dollars to save that

woman's life? Five hundred dollars? Let me tell you that you would not

voluntarily have given up smoking cigars for one year to avoid that

tragedy! Of course you would have if challenged to do so. If the fact

that the killing could be avoided in some such way or at a certain

price, and the discrepancy between the cost and the value of the life

were squarely brought to your particular attention, you might and

probably would do something. How much is problematical.

Let us do you the credit of saying that you would give five hundred

dollars--and take it out of some other charity. But what if you were

given _another_ chance to save a life for five hundred dollars? All

right; you will save that too. Now a third! You hesitate. That will be

spending fifteen hundred dollars--a good deal. Still you decide to do

it. Yet how embarrassing! You find an opportunity to save a fourth, a

fifth--a hundred lives at the same price! What are you going to do?

We all of us have such a chance in one way or another. The answer is

that, in spite of the admonition of Christ to sell our all and give to

the poor, and others of His teachings as contained in the Sermon on the

Mount, you probably, in order to save the lives of persons unknown to

you, would not sacrifice a single substantial material comfort for one

year; and that your impulse to save the lives of persons actually

brought to your knowledge would diminish, fade away and die in direct

proportion to the necessity involved of changing your present luxurious

mode of life.

Do you know any rich woman who would sacrifice her automobile in order

to send convalescents to the country? She may be a very charitable

person and in the habit of sending such people to places where they are

likely to recover health; but, no matter how many she actually sends,

there would always be eight or ten more who could share in that blessed

privilege if she gave up her motor and used the money for the purpose.

Yet she does not do so and you do not do so; and, to be quite honest,

you would think her a fool if she did.

What an interesting thing it would be if we could see the mental

processes of some one of our friends who, unaware of our knowledge of

his thoughts, was confronted with the opportunity of saving a life or

accomplishing a vast good at a great sacrifice of his worldly

possessions!

Suppose, for instance, he could save his own child by spending fifty

thousand dollars in doctors, hospitals and nurses. Of course he would do

so without a moment's hesitation, even if that was his entire fortune.

But suppose the child were a nephew? We see him waver a little. A

cousin--there is a distinct pause. Shall he pauperize himself just for a

cousin? How about a mere social acquaintance? Not much! He might in a

moment of excitement jump overboard to save somebody from drowning; but

it would have to be a dear friend or close relative to induce him to go

to the bank and draw out all the money he had in the world to save that

same life.

The cities are full of lives that can be saved simply by spending a

little money; but we close our eyes and, with our pocket-books clasped

tight in our hands, pass by on the other side. Why? Not because we do

not wish to deprive ourselves of the necessaries of life or even of its

solid comforts, but because we are not willing to surrender our

_amusements_. We want to play and not to work. That is what we are

doing, what we intend to keep on doing, and what we plan to have our

children do after us.

Brotherly love? How can there be such a thing when there is a single

sick baby dying for lack of nutrition--a single convalescent suffocating

for want of country air--a single family without fire or blankets?

Suggest to your wife that she give up a dinner gown and use the money to

send a tubercular office boy to the Adirondacks--and listen to her

excuses! Is there not some charitable organization that does such

things? Has not his family the money? How do you know he really has

consumption? Is he a _good_ boy? And finally: "Well, one can't send

every sick boy to the country; if one did there would be no money left

to bring up one's own children." She hesitates--and the boy dies

perhaps! So long as we do not see them dying, we do not really care how

many people die.

Our altruism, such as it is, has nothing abstract about it. The

successful man does not bother himself about things he cannot see. Do

not talk about foreign missions to _him_. Try his less successful

brother--the man who is _not_ successful because you can talk over with

him foreign missions or even more idealistic matters; who is a failure

because he will make sacrifices for a principle.

It is all a part of our materialism. Real sympathy costs too much money;

so we try not to see the miserable creatures who might be restored to

health for a couple of hundred dollars. A couple of hundred dollars?

Why, you could take your wife to the theater forty times--once a week

during the entire season--for that sum!

Poor people make sacrifices; rich ones do not. There is very little real

charity among successful people. A man who wasted his time helping

others would never get on himself.

* * * * *

It will, of course, be said in reply that the world is full of

charitable institutions supported entirely by the prosperous and

successful. That is quite true; but it must be remembered that they are

small proof in themselves of the amount of real self-sacrifice and

genuine charity existing among us.

Philanthropy is largely the occupation of otherwise ineffective people,

or persons who have nothing else to do, or of retired capitalists who

like the notoriety and laudation they can get in no other way. But, even

with philanthropy to amuse him, an idle multi-millionaire in these

United States has a pretty hard time of it. He is generally too old to

enjoy society and is not qualified to make himself a particularly

agreeable companion, even if his manners would pass muster at Newport.

Politics is too strenuous. Desirable diplomatic posts are few and the

choicer ones still require some dignity or educational qualification in

the holders. There is almost nothing left but to haunt the picture

sales or buy a city block and order the construction of a French

château in the middle of it.

I know one of these men intimately; in fact I am his attorney and helped

him make a part of his money. At sixty-four he retired--that is, he

ceased endeavoring to increase his fortune by putting up the price of

foodstuffs and other commodities, or by driving competitors out of

business. Since then he has been utterly wretched. He would like to be

in society and dispense a lavish hospitality, but he cannot speak the

language of the drawing room. His opera box stands stark and empty. His

house, filled with priceless treasures fit for the Metropolitan Museum,

is closed nine months in the year.

His own wants are few. His wife is a plain woman, who used to do her own

cooking and, in her heart, would like to do it still. He knows nothing

of the esthetic side of life and is too old to learn. Once a month, in

the season, we dine at his house, with a mixed company, in a desert of

dining room at a vast table loaded with masses of gold plate. The

peaches are from South Africa; the strawberries from the Riviera. His

chef ransacks the markets for pheasants, snipe, woodcock, Egyptian quail

and canvasbacks. And at enormous distances from each other--so that the

table may be decently full--sit, with their wives, his family doctor,

his clergyman, his broker, his secretary, his lawyer, and a few of the

more presentable relatives--a merry party! And that is what he has

striven, fought and lied for for fifty years.

Often he has told me of the early days, when he worked from seven until

six, and then studied in night school until eleven; and of the later

ones when he and his wife lived, like ourselves, in a Fourteenth Street

lodging house and saved up to go to the theater once a month. As a young

man he swore he would have a million before he died. Sunday afternoons

he would go up to the Vanderbilt house on Fifth Avenue and, shaking his

fist before the ornamental iron railing, whisper savagely that he would

own just such a house himself some day. When he got his million he was

going to retire. But he got his million at the age of forty-five, and it

looked too small and mean; he would have ten--then he would stop!

By fifty-five he had his ten millions. It was comparatively easy, I

believe, for him to get it. But still he was not satisfied. Now he has

twenty. But apart from his millions, his house and his pictures, which

are bought for him by an agent on a salary of ten thousand dollars a

year, he has nothing! I dine with him out of charity.

Well, recently Johnson has gone into charity himself. I am told he has

given away two millions! That is an exact tenth of his fortune. He is a

religious man--in this respect he has outdone most of his brother

millionaires. However, he still has an income of over a million a

year--enough to satisfy most of his modest needs. Yet the frugality of a

lifetime is hard to overcome, and I have seen Johnson walk home--seven

blocks--in the rain from his club rather than take a cab, when the same

evening he was giving his dinner guests peaches that cost--in

December--two dollars and seventy-five cents apiece.

The question is: How far have Johnson's two millions made him a

charitable man? I confess that, so far as I can see, giving them up did

not cost him the slightest inconvenience. He merely bought a few hundred

dollars' worth of reputation--as a charitable millionaire--at a cost of

two thousand thousand dollars. It was--commercially--a miserable

bargain. Only a comparatively few people of the five million inhabitants

of the city of New York ever heard of Johnson or his hospital. Now that

it has been built, he is no longer interested. I do not believe he

actually got as much satisfaction out of his two-million-dollar

investment as he would get out of an evening at the Hippodrome; but who

can say that he is not charitable?

* * * * *

I lay stress on this matter of charity because essentially the

charitable man is the good man. And by good we mean one who is of value

to others as contrasted with one who is working, as most of us are, only

for his own pocket all the time. He is the man who is such an egoist

that he looks on himself as a part of the whole world and a brother to

the rest of mankind. He has really got an exaggerated ego and everybody

else profits by it in consequence.

He believes in abstract principles of virtue and would die for them; he

recognizes duties and will struggle along, until he is a worn-out,

penniless old man, to perform them. He goes out searching for those who

need help and takes a chance on their not being deserving. Many a poor

chap has died miserably because some rich man has judged that he was not

deserving of help. I forget what Lazarus did about the thirsty gentleman

in Hades--probably he did not regard him as deserving either.

With most of us a charitable impulse is like the wave made by a stone

thrown into a pool--it gets fainter and fainter the farther it has to

go. Generally it does not go the length of a city block. It is not

enough that there is a starving cripple across the way--he must be on

your own doorstep to rouse any interest. When we invest any of our money

in charity we want twenty per cent interest, and we want it quarterly.

We also wish to have a list of the stockholders made public. A man who

habitually smokes two thirty-cent cigars after dinner will drop a

quarter into the plate on Sunday and think he is a good Samaritan.

The truth of the matter is that whatever instinct leads us to contribute

toward the alleviation of the obvious miseries of the poor should

compel us to go further and prevent those miseries--or as many of them

as we can--from ever arising at all.

So far as I am concerned, the division of goodness into seven or more

specific virtues is purely arbitrary. Virtue is generic. A man is either

generous or mean--unselfish or selfish. The unselfish man is the one who

is willing to inconvenience or embarrass himself, or to deprive himself

of some pleasure or profit for the benefit of others, either now or

hereafter.

By the same token, now that I have given thought to the matter, I

confess that I am a selfish man--at bottom. Whatever generosity I

possess is surface generosity. It would not stand the acid test of

self-interest for a moment. I am generous where it is worth my

while--that is all; but, like everybody else in my class, I have no

generosity so far as my social and business life is concerned. I am

willing to inconvenience myself somewhat in my intimate relations with

my family or friends, because they are really a part of _me_--and,

anyway, not to do so would result, one way or another, in even greater

inconvenience to me.

Once outside my own house, however, I am out for myself and nobody else,

however much I may protest that I have all the civic virtues and deceive

the public into thinking I have. What would become of me if I did not

look out for my own interests in the same way my associates look out

for theirs? I should be lost in the shuffle. The Christian virtues may

be proclaimed from every pulpit and the Banner of the Cross fly from

every housetop; but in business it is the law of evolution and not the

Sermon on the Mount that controls.

The rules of the big game are the same as those of the Roman

amphitheater. There is not even a pretense that the same code of morals

can obtain among corporations and nations as among private individuals.

Then why blame the individuals? It is just a question of dog eat dog. We

are all after the bone.

No corporation would shorten the working day except by reason of

self-interest or legal compulsion. No business man would attack an abuse

that would take money out of his own pocket. And no one of us, except

out of revenge or pique, would publicly criticize or condemn a man

influential enough to do us harm. The political Saint George usually

hopes to jump from the back of the dead dragon of municipal corruption

into the governor's chair.

We have two standards of conduct--the ostensible and the actual. The

first is a convention--largely literary. It is essentially merely a

matter of manners--to lubricate the wheels of life. The genuine sphere

of its influence extends only to those with whom we have actual contact;

so that a breach of it would be embarrassing to us. Within this

qualified circle we do business as "Christians & Company, Limited."

Outside this circle we make a bluff at idealistic standards, but are

guided only by the dictates of self-interest, judged almost entirely by

pecuniary tests.

I admit, however, that, though I usually act from selfish motives, I

would prefer to act generously if I could do so without financial loss.

That is about the extent of my altruism, though I concede an omnipresent

consciousness of what is abstractly right and what is wrong.

Occasionally, but very rarely, I even blindly follow this instinct

irrespective of consequences.

There have been times when I have been genuinely self-sacrificing.

Indeed I should unhesitatingly die for my son, my daughters--and

probably for my wife. I have frequently suffered financial loss rather

than commit perjury or violate my sense of what is right. I have called

this sense an instinct, but I do not pretend to know what it is. Neither

can I explain its origin. If it is anything it is probably utilitarian;

but it does not go very far. I have manners rather than morals.

Fundamentally I am honest, because to be honest is one of the rules of

the game I play. If I were caught cheating I should not be allowed to

participate. Honesty from this point of view is so obviously the best

policy that I have never yet met a big man in business who was crooked.

Mind you, they were most of them pirates--frankly flying the black flag

and each trying to scuttle the other's ships; but their word was as good

as their bond and they played the game squarely, according to the rules.

Men of my class would no more stoop to petty dishonesties than they

would wear soiled linen. The word lie is not in their mutual language.

They may lie to the outside public--I do not deny that they do--but they

do not lie to each other.

There has got to be some basis on which they can do business with one

another--some stability. The spoils must be divided evenly. Good morals,

like good manners, are a necessity in our social relations. They are the

uncodified rules of conduct among gentlemen. Being uncodified, they are

exceedingly vague; and the court of Public Opinion that administers them

is apt to be not altogether impartial. It is a "respecter of persons."

One man can get away with things that another man will hang for. A Jean

Valjean will steal a banana and go to the Island, while some rich fellow

will put a bank in his pocket and everybody will treat it as a joke. A

popular man may get drunk and not be criticized for it; but the sour

chap who does the same thing is flung out of the club. There is little

justice in the arbitrary decisions of society at large.

In a word we exact a degree of morality from our fellowmen precisely in

proportion to its apparent importance to ourselves. It is a purely

practical and even a rather shortsighted matter with us. Our friend's

private conduct, so far as it does not concern us, is an affair of small

moment. He can be as much of a roue as he chooses, so long as he

respects our wives and daughters. He can put through a gigantic

commercial robbery and we will acclaim his nerve and audacity, provided

he is on the level with ourselves. That is the reason why cheating one's

club members at cards is regarded as worse than stealing the funds

belonging to widows and orphans.

So long as a man conducts himself agreeably in his daily intercourse

with his fellows they are not going to put themselves out very greatly

to punish him for wrongdoing that does not touch their own bank accounts

or which merely violates their private ethical standards. Society is

crowded with people who have been guilty of one detestable act, have got

thereby on Easy Street and are living happily ever after.

I meet constantly fifteen or twenty men who have deliberately married

women for their money--of course without telling them so. According to

our professed principles this is--to say the least--obtaining money

under false pretenses--a crime under the statutes. These men are now

millionaires. They are crooks and swindlers of the meanest sort. Had

they not married in this fashion they could not have earned fifteen

hundred dollars a year; but everybody goes to their houses and eats

their dinners.

There are others, equally numerous, who acquired fortunes by

blackmailing corporations or by some deal that at the time of its

accomplishment was known to be crooked. To-day they are received on the

same terms as men who have been honest all their lives. Society is not

particular as to the origin of its food supply. Though we might refuse

to steal money ourselves we are not unwilling to let the thief spend it

on us. We are too busy and too selfish to bother about trying to punish

those who deserve punishment.

On the contrary we are likely to discover surprising virtues in the most

unpromising people. There are always extenuating circumstances. Indeed,

in those rare instances where, in the case of a rich man, the social

chickens come home to roost, the reason his fault is not overlooked is

usually so arbitrary or fortuitous that it almost seems an injustice

that he should suffer when so many others go scot-free for their

misdeeds.

Society has no conscience, and whatever it has as a substitute is

usually stimulated only by motives of personal vengeance. It is easier

to gloss over an offense than to make ourselves disagreeable and perhaps

unpopular.

We have not even the public spirit to have a thief arrested and appear

against him in court if he has taken from us only a small amount of

money. It is too much trouble. Only when our pride is hurt do we call

loudly on justice and honor.

Even revenge is out of fashion. It requires too much effort. Few of us

have enough principle to make ourselves uncomfortable in attempting to

show disapproval toward wrongdoers. Were this not so, the wicked would

not be still flourishing like green bay trees. So long as one steals

enough he can easily buy our forgiveness. Honesty is not the best

policy--except in trifles.

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