has money—created, not inherited, wealth. But possession merely is not enough; he gives. Yet possessing and giving are not enough; he works, constantly and intelligently. The power which wealth gives is often employed in retarding progress when the interests of the individual seem to clash with those of the commonwealth; it is always lessened by the absence of respect for its possessor. But when wealth, intelligence, honesty, and enthusiasm join hands with patriotism there must be progress.
Time and place do not account for all of Chicago's phenomenal growth, nor do the distance from the world's centres of population and industry, the comparative isolation, and the evil effects of railway domination account wholly for San Francisco's slow growth toward the end of the century. For, following the several spasms of development incident to the ages of gold, of grain, and of fruit, and the advent of the railway incubus,
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