This was my first financial negotiation with the bankers of Europe.

Mr.Pullman told me a few days later that Mr.Morgan at a dinner party had told the telegraphic incident and predicted, "That young man will be heard from." After closing with Mr.Morgan, I visited my native town, Dunfermline, and at that time made the town a gift of public baths.

It is notable largely because it was the first considerable gift I had ever made.
Long before that I had, at my Uncle Lauder's suggestion, sent a subscription to the fund for the Wallace Monument on Stirling Heights overlooking Bannockburn.

It was not much, but I was then in the telegraph office and it was considerable out of a revenue of thirty dollars per month with family expenses staring us in the face.

Mother did not grudge it; on the contrary, she was a very proud woman that her son's name was seen on the list of contributors, and her son felt he was really beginning to be something of a man.