Managing the other fellow's business is a fascinating game. Trade unionists all over the country have pronounced ideas for the reform of Wall Street banks; and Wall Street bankers are not far behind in giving plans for the tremendous improvement of trade union policies. Wholesalers have schemes for improving the retailer; the retailer knows just what is wrong in the conduct of wholesale business - and we might go through a long list.... Yet for some reason the classes that ought to be helped keep on stubbornly clinging to their own method of running their affairs.... —B. C. Forbes, 1880 - 1954