I remember perfectly how anxious I was to get that loan and to establish myself favourably with the banker.

This gentleman was T.P.Handy, a sweet and gentle old man, well known as a high-grade, beautiful character.

For fifty years he was interested in young men.

He knew me as a boy in the Cleveland schools.

I gave him all the particulars of our business, telling him frankly about our affairs--what we wanted to use the money for, etc., etc.