Any one who hopes to find in what is here written a work of literature had better lay it aside unread. At Yale I should have got the sack in rhetoric and English composition, let alone other studies, had it not been for the fact that I played half-back on the team, and so the professors marked me away up above where I ought to have ranked. That was twelve years ago, but my life since I received my parchment has hardly been of a kind to improve me in either style or grammar. It is true that one woman tells me I write well, and my directors never find fault with my compositions; but I know that she likes my letters because, whatever else they may say to her, they always say in some form, "I love you," while my board approve my annual reports because thus far I have been able to end each with "I recommend the declaration of a dividend of - per cent from the earnings of the current year."