Naturally, he was very much disturbed at the possibility of losing our most valued connection, but I insisted and we stuck to our principles and refused to give the shipper the accommodation he had asked.  What was our surprise and gratification to find that he continued his relations with us as though nothing had happened, and did not again refer to the matter.  I learned afterward that an old country banker, named John Gardener, of Norwalk, O., who had much to do with our consignor, was watching this little matter intently, and I have ever since believed that he originated the suggestion to tempt us to do what we stated we did not do as a test, and his story about our firm stand for what we regarded as sound business principles did us great good.

About this time I began to go out and solicit business—­a branch of work I had never before attempted.  I undertook to visit every person in our part of the country who was in any way connected with the kind of business that we were engaged in, and went pretty well over the states of Ohio and Indiana.  I made up my mind that I could do this best by simply introducing our firm, and not pressing for immediate consignments.  I told them that I represented Clark & Rockefeller, commission merchants, and that I had no wish to interfere with any connection that they had at present, but if the opportunity offered we should be glad to serve them, etc., etc.

To our great surprise, business came in upon us so fast that we hardly knew how to take care of it, and in the first year our sales amounted to half a million dollars.

Then, and indeed for many years after, it seemed as though there was no end to the money needed to carry on and develop the business.  As our successes began to come, I seldom put my head upon the pillow at night without speaking a few words to myself in this wise: 

“Now a little success, soon you will fall down, soon you will be overthrown.  Because you have got a start, you think you are quite a merchant; look out, or you will lose your head—­go steady.”  These intimate conversations with myself, I am sure, had a great influence on my life.  I was afraid I could not stand my prosperity, and tried to teach myself not to get puffed up with any foolish notions.

My loans from my father were many.  Our relations on finances were a source of some anxiety to me, and were not quite so humorous as they seem now as I look back at them.  Occasionally he would come to me and say that if I needed money in the business he would be able to loan some, and as I always needed capital I was glad indeed to get it, even at 10 per cent. interest.  Just at the moment when I required the money most he was apt to say: 

“My son, I find I have got to have that money.”

“Of course, you shall have it at once,” I would answer, but I knew that he was testing me, and that when I paid him, he would hold the money without its earning anything for a little time, and then offer it back later.  I confess that this little discipline should have done me good, and perhaps did, but while I concealed it from him, the truth is I was not particularly pleased with his application of tests to discover if my financial ability was equal to such shocks.