He will be pictured diligent in business, but enough of a physician-long before he is forty— to prescribe for himself and his associates the necessary change "from toil to rest,” finding “joy in every change." He will firmly insist on his right to fight "and run away," that he may "live to fight another day." Giant Circumstance, who works the ruin of foolish thousands all around him, will have no terrors for his well-disciplined mind. He will see to it that on every working day the giant shall, at most, divide time with him. Thus it will happen that nervous prostration, brain-storm, and other fashionable ailments of the period, can have no terrors for him.

In business, he will be presented as a firm believer in and rigid enforcer of twentieth century system, but courteous with his associates and employees; firm but kind—not indulgent-in all his business relations with the public.

He will be found to require no instruction in common honesty, for firmly imbedded underneath his policy of honesty is a foundation of belief in the inherent righteousness of fair-dealing, and underneath that belief a sub-foundation of philosophy a sub-conscious comprehension of the incongruity of all forms of crookedness-in morals as in mechanics. He will resent duplicity as the trained ear of the musician is pained by discord.

Our ideal banker is essentially and pre-eminently a man of affairs, cool, calculating, methodically exact, judicially fair; combining statesmanly breadth of view with an eye to immediate results; temperamentally open to all comers, yet slow to assent to the proposition which comes to him in questionable shape.

He is clear of vision as to the wide difference between a business proposition and a question of public policy. He approaches the one with caution, and the other with public-spirited openmindedness. However reserved he may be socially, he is nevertheless, when within his cage, or behind his desk, or in his private consultation room, under all circumstances, a democrat-regarding every man, or woman, who does, or would do, business with his bank as the peer of every other man or woman-the only difference being the different conditions under which the customer, or would-be customer, presents his case.

He is too true to well-grounded, time-tested business principles to be swerved from duty to his stockholders by insinuating suggestions of personal advantage, or of undue profits to the bank through indirection, or by tearful pleas for the suspension of inexorable rules beyond the point of lenity which dispassionate judgment would suggest.

While the ideal banker will take a lively interest in public questions, local and general, he will personally turn a deaf ear to that insidious form of vanity which would tempt him to quit his post for a bout in the arena of politics. But when "some great cause" calls for the assistance which he can best give; or some large interest, of which by common consent he is become guardian, requires the quality and kind of service he best can render, then there will be no shrinking from the call of duty. His "here am I" will be prompt and emphatic.

He will be a shrewd observer of social and political trends, abroad as well as at home. If circumstances permit, he will travel not a little, and, wherever he is, he will be "a chiel amang" all classes and conditions of men, "takin' notes" of differences in races, environments, temperaments and education, making generous allowance for the effect of every difference upon that ultimate end of all training-namely, Character.

Finally, possessed of an open mind to the wisdom of the ages which has come down to him through literature; an open mind to the beautiful, whether in scenery or in character, as immortalized on the painter's canvas, in architecture, in sculpture, in the poet's legacy of song, and standing out on the pages of history, the drama

and the novel, he will be found broad enough, not only to comprehend, but also to feel, that literature is not a thing apart from life, but in and of itself is life-life that has been crystallized into "thoughts that breathe and words that burn."

When the great novelist of the future shall come, equipped with experience and sympathy, and with that marvelous second-sight which in a Shakespeare, or in a Balzac at his best, we call genius, then we, or the readers who come after us, shall surely find in literature, as in life, a banker large enough to fill out in detail the high ideal of whom the high-grade banker of to-day is the sure promise.