substantial chapel in the fall of that year. In 1864 these quarters having become entirely too small for the growing school a fine stone structure was erected on the corner of Twenty-second and Bainbridge streets, which has been remodeled and enlarged from time to time until it now has a seating capacity of something over 3,000, and a roll of about 2,700 in the main and junior departments, with a Bible Union comprising a membership of 2,300 adults which assembles at the same hour, 2.30 o'clock, in the church auditorium.

During Mr. Wanamaker's administration of the Post Office Department he attended this Sabbath School punctually every Sunday (with very few exceptions) during his four years' incumbency, traveling over 60,000 miles for this purpose.

Mr. Wanamaker is president of the first penny savings bank, an institution incorporated under special laws of the state of Pennsylvania and organized July, 1888, in one of the rooms of the Bethany Sabbath School Hall by members of the Bible Union for the purpose of assisting the poor of the community to save something for a "rainy day," three and a half per cent. being allowed on deposits; the depositors numbering January 1, 1901, over 10,000 and the amount deposited being $328,000.

A flourishing night school (or "college "), for young people engaged in various occupations during the day, who have not had the opportunity of securing an education or have neglected the advantages of earlier youth, is now in course of successful progress.

Almost every good enterprise of a Christian character in Philadelphia in the past forty years has had Mr. Wanamaker's assistance. He has also been connected with a very large proportion of the worthy business enterprises. These relations have caused him to be better known to the people of the country generally than any other citizen of the Quaker City. His theory of life and business is well described in Peter Cooper's statement about himself made at the complimentary banquet given to him once in New York. Mr. Cooper said: "While I have always recognized that the object of business is to make money in an honorable manner, I have endeavored to remember that the object of life is to do good. Hence I have been ready to engage in all new enter

prises and, without incurring debt, to risk the means which 1 have acquired in their promotion, provided they seemed to me calculated to advance the general good."

Mr. Wanamaker's terse telegram to the Bridgeton, N. J., Young Men's Christian Association Anniversary in response to its secretary's request for a brief sketch of his life, "Thinking, trying, toiling, and trusting in God is all of my biography," gives the keynote of all his wonderful success. As a merchant he has brought the people of all the world in closer touch with each other. As a philanthropist he has been a blessing, especially to the young men of many lands; as a Christian worker he has inspired thousands to lead consistent and beautiful lives. Mr. Wanamaker is not only a true citizen of a great nation, but he is a statesman and a patriot. Then :

Closer bind the sympathetic cord

'Twixt man and man! The blessing of the Lord

Ever rests on such as willing share

With those who through affliction sadly fare.

Wait then not the coffin lid to close

O'er those we love when in their last repose;
Garlands bring of flowers while life is warm,

'T will help our brother brave the fiercest storm.

HOW TO FAIL.

'HERE is inborn in every man an earnest wish to suc ceed to reach the goal at which he will find power and influence; to be honored by the world and looked up to by men. There are people in the world who fear assignment, business failure, more than they fear eternal perdition; who guard their dollars with infinitely more pains than they care for their souls.

Not long since, a well-known minister prepared a lecture on this subject, derived from the testimony of forty men of large successes. The evidence deduced is exceedingly valuable, and is here with produced in connection with the commentaries made upon it for the benefit of every young man who is interested in the general subject of success. It will be evident that in a general line of argument the obverse of the general causes of success will prove to be the general causes

of failure. Every mainspring of success is a mainspring of failure when wound around the other way, but, in addition to that general line of argument, a large number of definite, clear-cut, undeniable reasons are set forth by these correspondents, telling with cogency and power just how a young man can start out in the world and make the least of himself. These correspondents are not old ladies; they are not superannuated ministers; they are not dealing with social goody-goodies; they are not theoretical college professors more familiar with the silver question at Washington than with the silver dollars in their own pockets, but they are men who stand in the front rank of the men of action in the United States to-day; most of them are quoted with large figures in Bradstreet. It is not assumed that they may never make an assignment, for the Lord only knows what a day may bring forth; but they are not making assignments now, and even if some of them ever should it would in no wise vitiate the strength of their words, for they all have made at least one assured success in their lives a success which the future can never gainsay.

The question propounded was: "What in your observation are the chief causes of the failure in the life of the business or professional men, barring, of course, periods of national and financial depression?" In the first place it may be well to give the collection of reasons that are assigned in brief. Many of the correspondents give reasons that are expressed in very few words. These have all been gathered together in one long list; some of them may be and doubtless are repetitions, in other words, of other statements, but they are put down just as they appeared in the replies of the men. As they are canvassed, look at them, as simply a list of symptoms of a socially sick man. So here are the causes of failure expressed briefly :

Bad habits; bad judgment; bad luck; bad associates; carelessness of details; constant assuming of unjustifiable risks desire to become rich too fast; drinking; dishonest dealings; dislike of retrenchment; dislike to say "No" at the proper time; disregard of the Golden Rule; drifting with the tide; expensive habits of life; extravagance; envy; failure to appreciate one's surroundings; failure to grasp one's opportunities; frequent changes from one business to another;