Whereas now we have a system of commercial ratings, everything was then haphazard and we suffered from a stupendous war and all the disasters which followed.
Compare this day with that.

Our comforts and opportunities are multiplied a thousand fold.

The resources of our great land are now actually opening up and are scarcely touched; our home markets are vast, and we have just begun to think of the foreign peoples we can serve--the people who are years behind us in civilization.

In the East a quarter of the human race is just awakening.

The men of this generation are entering into a heritage which makes their fathers' lives look poverty-stricken by comparison.