I am sure that any competent judge would be surprised to find how little I ever risked for myself or my partners.

When I did big things, some large corporation like the Pennsylvania Railroad Company was behind me and the responsible party.

My supply of Scotch caution never has been small; but I was apparently something of a dare-devil now and then to the manufacturing fathers of Pittsburgh.

They were old and I was young, which made all the difference.
The fright which Pittsburgh financial institutions had with regard to myself and our enterprises rapidly gave place to perhaps somewhat unreasoning confidence.

Our credit became unassailable, and thereafter in times of financial pressure the offerings of money to us increased rather than diminished, just as the deposits of the old Bank of Pittsburgh were never so great as when the deposits in other banks ran low.