Cook County IL Archives History - Books .....History Of Chicago, 1876, Part 6 1876 ************************************************ Copyright. All rights reserved. http://www.usgwarchives.net/copyright.htm http://www.usgwarchives.net/il/ilfiles.htm ************************************************ File contributed for use in USGenWeb Archives by: Deb Haines ddhaines@gmail.com October 2, 2007, 11:42 pm Book Title: History Of Chicago 1875 I take the following synopsis of the business of the city for last year, from the commercial reports of the Tribune, prepared by its able commercial editor, Elias Colbert, Esq., published January 1st, 1876: THE BREADSTUFFS MOVEMENT. The following were the receipts of breadstuffs in this city during the past three years, flour being reduced to its equivalent in wheat in the footings: 1875. 1874. 1873. Flour, bbls.....2,566,225 2,666,679 2,487,376 Wheat, bu......24,450,390 29,764,622 26,266,562 Corn, bu.......26,990,557 35,799,638 38,157,232 Oats, bu.......11,511,554 13,901,235 17,888,724 Rye, bu...........693,968 791,182 1,189,464 Barley, bu......3,026,456 3,354,981 4,240,239 Totals.........79,504,050 95,611,713 98,925,413 The following were the corresponding shipments: 1875. 1874. 1873. Flour, bbls.......2,262,030 2,306,576 2,303,490 Wheat, bu........23,183.663 27,634,587 24,455,657 Corn, bu.........26,409,420 32,705,224 36,754,943 Oats, bu.........10,230,208 10,561,673 15,694,133 Bye, bu.............310,609 335,077 960,613 Barley, bu........1,834,117 2,404,538 3,366,041 Totals...........73,278,167 84,020,691 91,597,092 LIVE STOCK. For the first time since the construction of the Union Stock Yards—a period of ten years—we have to record a decrease in the aggregate receipts of live stock at Chicago. Of cattle and sheep, a much larger number have arrived than during any previous year, but this increase was more than offset by a decline in the receipt of hogs, and the figures stand thus: For 1874, 5,440,990; for 1875, 5,251,901, decrease, 189,089. This is not an unfavorable exhibit, in the light of the report of the Commissioner of Agriculture, which shows in the four States whence our supplies are chiefly drawn,—viz.: Illinois, Wisconsin, Iowa, and Missouri, a deficiency, as compared with 1874, of 1,222,300 hogs. The wonder, therefore, is not that our receipts show a falling off, but that they so closely approximate those of 1874. It is also consoling to know that the decline in the past season's receipts was not peculiar to Chicago, as witness the comparative table furnished below, from which it appears that the percentage of decrease at St. Louis is much greater than here, her arrivals of hogs being fully 60 per cent, less than for 1874. While our receipts of cattle show an increase of 76,877 head, there was a falling off in the arrivals at St. Louis of some 24,000 head, as follows: 1874. 1875. Chicago 843,966 920,843 St. Louis 360,925 336,934 Difference 483,041 583,909 These comparisons are drawn not for the purpose of belittling the importance of St. Louis as a live stock market, but to demonstrate the supreme ridiculousness of her claims to rival Chicago. The developments of the past season would seem to have forever set at rest the question of the continued supremacy of Chicago as the chief live stock distributing point of the world. Although the aggregate of our receipts was less than for 1874, the value of the same was some $10,000,000 greater. THE GRAND TOTAL. The following is an approximation to the total value of our trade in 1875. It includes only the first selling price, second sales not being counted, though made by jobbers: Produce trade........................$232,328,000 Wholesale (as above)..................293,900,000 Manufactures (product)................177,000,000 Total................................$703,228,000 Deduct from this for manufactures included in wholesale (about)........46,228,000 Total business.......................$657,000,000 Total in 1874........................ 639,000,000 These figures give a decrease of 6.9 per cent, in the sales of produce, and an increase of 7 per cent, in wholesale trade and manufactures. The increase of the whole over 1874 is 2.8 per cent. These totals would be materially increased if we included the sales of produce to shippers after it had once been sold in open market, to say nothing of the manifold sales of grain and provisions under which one lot may be delivered to a dozen or more traders in succession. We have also omitted sales of such articles as ice, milk, vegetables, dressed hogs, oats, etc., made in the street, from wagons, and not placed in public storehouses. The sales of real estate are not included, as they do not belong to the wholesale trade. We have dealt only with what Mr. Wemmick would designate as "portable property." The following were the totals for previous years, estimated on the same basis: 1873...............................$596,000,000 Oct. 11, 1871, to Oct. 11, 1872.....490,000,000 1870................................439,000,000 1860................................450,000,000 1868................................434,000,000 1860.................................97,000,000 1850.................................20,000,000 EXTENT OF TRADE OF CHICAGO. At the close of one of my articles in 1854, I expressed the hope that I might be here seventeen years from that date to post up the business of the city. This duty has been committed to younger hands. The nearest I have approached it was last fall during the sickness of the financial editor of the Tribune. I quote the following paragraphs from the financial articles which I wrote in his absence, bearing upon the growth and extent of the business of the city. From the Tribune, October 15, 1875. These heavy drafts upon our capital, and the cheerful response of our banks, correspond with the concentration of the wholesale trade of the Northwest in Chicago. The frantic warnings of the New York commercial papers to their jobbers to lessen their expenses, and to do all things needed to retain that trade, have not been heeded. It is surely leaving them, and is rapidly concentrating in Chicago. It is worth while again to note the causes that are contributing to this inevitable result. Take the, dry goods trade as an example. Our leading houses have ample capital, and buy at the lowest figures their goods for cash. They have agents in Europe and this country right alongside of those of the New York jobbers, and get their goods at precisely the same figures. Goods come directly through to this city; custom duties are paid here, and hence they are free from the exactions of the New York sharpers. The difference in the price of rents and the modes of doing business here more than balance the cost of freights from the seaboard, and hence goods are sold as cheap here, and even cheaper, than they are in New York. No country merchant in the North, nor in fact in the Southwest, needs now to go to New York, and comparatively few of them do so. What is true of diy goods is equally true of other lines of the wholesale trade. The business in all departments is rapidly concentrating here. The same is true also of manufactures. Only a day or two ago we were assured that a house that manufactures agricultural implements in Sterling, 110 miles west of Chicago, was sending its machines even to Philadelphia and other cities of Pennsylvania. Ohio is a large and most valuable customer. Large quantities of leather (the best produced in the whole Union), of furniture, and otherN articles, are shipped to the seaboard, and all the country this side, from the warerooms of Chicago. The large calls upon our bankers, therefore, for capital, are but a reflex of other leading interests, and prove that Chicago is already the financial as well as the commercial and manufacturing centre of the Northwest. From the Tribune of October 16, 1875. One of our leading merchants yesterday, commenting on our last article in relation to the vast wholesale trade that is concentrating in this city, took us to task for using the term Northwest—while the trade of the Southwest was rapidly falling within the grasp of Chicago. This we knew full well; but the habit, coming down from the time when very little, if any, business came to this city from below the southern line of Iowa, is still apt to show itself from the point of our pencil, and it will get out in print, to our regret and confusion. The fact is, the jobbing trade of the city reaches all the way from Texas to Manitoba. Before our railways were opened down to the Gulf of Mexico through Texas, representatives of Chicago merchants had been all through that country, and found what kinds of goods the people wanted. Manufacturers of clothing, for instance, had carefully taken the dimensions of the average Texan—no matter what his occupation might be—had found with what styles he was pleased, and of what materials they should be made, and, while jealous rivals of our city were snoozing over an exalted opinion of themselves and blessing their stars that they were not afiiicted with the restless energy of Chi¬cago, our manufacturers had already made the goods and occupied the markets of the "Lone Star" State. The same may be said of other lines of manufactured articles and of staple merchandise. Since the opening of our railways to the Southwest, in spite of the competition of St. Loufe, that broad field has been largely gleaned by Chicago enterprise. Our trade from that section is already very heavy and lucrative, and it is steadily and rapidly increasing. In speaking of the Western trade of the city, therefore, unless for special reasons, let the term "North" be dropped. We agree with our friend that simply "West" is better. As to our foreign direct trade the more we talk with our bankers and merchants the more are we surprised at the variety of the articles shipped and at the rapidly-increasing values they represent. Five years ago we had one or two houses that drew drafts and issued letters of credit upon correspondents in England and upon the Continent. The money to meet these drafts was ordered placed to the credit of Chicago houses from New York. Now all this is changed. Dealers in grain, beef, pork, and provisions, cheese, and other farm products, in most of the leading cities of England, and several upon the Continent, purchase direct of our packers and commission houses. Several large orders for wheat have just been filled on English account. The bills drawn against these purchases are taken by our banks, and in the short space of five years the balance of trade is largely in favor of this city. Though some of our importers often buy $50,000 in a single draft, week after week a balance of foreign exchange remains over, and is sold in the New York market. For the first six months of the year a single National Bank took 14,000,000 of these bills, and in the last half the amount will doubtless be larger still. These facts show why New York jobbers are in the dumps at the rapid extension of our direct export and import trade. Their disease is chronic. Growling at Chicago enterprise can do them no good. If the last five years have shown the results already achieved, before the century closes New York will retain very little, if any, interest in the wholesale trade of the West. From the Tribune, Monday, Oct. 18, 1875. On Friday and Saturday of last week, in explaining the amazing increase of the banking business of the city, we had something to say of its foreign and domestic jobbing trade. Those brief articles merely embraced what might be regarded as the headings for a dozen column articles on the same subjects. They did not mention the distant regions to which our people trade, as the following hints will show: To the Editor of the Chicago Tribune: CHICAGO, Oct. 16.—In your article of to-day you say: "The jobbing trade of the city reaches all the way from Texas to Manitoba." This is true, and all very well, but how about the Eastern States, Canada, and the States and Territories west of the Rocky Mountains? Is the subject too extensive for even two articles? Very truly yours, MERCHANT. Exactly so. It is too broad and too important to be exhaustively treated in a dozen articles. For breadstuff's, provisions, and all farm products, Chicago has laid all the New England States under tribute for a quarter of a century. Within the last ten years the Middle and Southern States have also become large purchasers, and the trade with them is constantly increasing. It is true that some of these States purchase sparingly of some kinds of produce, but all of them are our customers. As to manufactured articles, leather, boots, furniture, and many other articles, are sent from this city all over the Eastern and Southern States. Agricultural implements are shipped in large quantities eastward, and in fact in all directions. McCormick's reaper has laid the entire nation, and even several in Europe, under contribution, as witness the immense blocks on Dearborn, Clark, and other streets. That implement alone has gathered from the wide world several large fortunes, and planted them down in Chicago. Of course our wholesale and retail dealers have nearly as strong a hold on Michigan, Indiana, and Western Ohio as they have on the country immediately west of the city. They cannot afford to get their goods, elsewhere. Our trade for many years has been very large with Canada, and an enlightened policy on the part of both Governments will swell it into immense proportions. Connected intimately with her 4,000,000 of people, both by lake navigation and railways, and producing much that she can buy in this market cheaper than anywhere else, she is one of our largest and best customers. This fact is attested by the branches of two of her largest banks doing the business between Chicago and the cities of Canada. Turning our eyes westward, to say that "the jobbing trade of the city reaches from Texas to Manitoba" in some lines does not tell more than half the truth. All the States and Territories beyond the Rocky Mountains are trading largely in Chicago. They have found that they can buy goods as cheaply here as on the Atlantic seaboard, and the disposition to do so is growing every year. Sitting in the office of Peter Schuttler, early last spring, we asked where a large lot of wagons, just passing, were going. "We are loading two cars to-day for Chico, California," was the reply. There is no timber in California from which agricultural implements can be made, and if the managers of the Union and Central Pacific Railways do not put an embargo upon us by high freights, there is scarcely any limit to the orders our manufacturers will receive for these and like articles from the Pacific coast. In fact, very considerable orders have been filled from our warerooms for Australia. We take in everything. Orders for dry goods, books, boots and shoes, clothing, hardware,—in fact, almost every kind of merchandise and manufactured articles,—come from Montana, Idaho, Wyoming, Colorado, Utah, and even from Nevada, and if Gen. Rosecrans will hurry up his railroad between Denver, or rather Pueblo, and Mexico, there will be no longer any need of specifying any particular localities. The trade of Chicago in North America will be limited only by the boundaries of the continent, while most of the nations of Europe will pay her large and constantly-increasing tribute. Such is her "manifest destiny," and the New York jobbers may as well stop their growling. If Stewart, Claflin, and the rest want to sell their goods, let them transplant their establishments to the head of the market. Chicago is the place to do it, and if not convinced of it now, they will in a very few years find it out to their cost. As a specimen of the extent of our imports, we mention that one of our wholesale grocery houses received on Saturday 33 car loads of coffee, 10 of pepper, nutmegs, and other spices, and 13 of new raisins. They expect another ship to unload on the cars next week, and another is now loading for them in a foreign port. Whole trains of, tea often pass through this city on their way to New York, and, of course, all that is wanted for distribution in the Mississippi Valley stops here. It may be asked what propriety there is in stating all these facts in the financial column. They show how wide a circuit is embraced in the business done at our banks, and by inference how large and how active a capital is required to do it. The wants of that business for several weeks past, have been immense; but our bankers have backed the enterprise of our merchants and manufacturers cheerfully and promptly, and the vast current of our commerce has moved along so quietly and so smoothly that it gave scarcely any sign of its magnitude. From the Tribune, Oct. 19, 1875. A committee of the Board of Trade have recently been collecting some statistics in relation to the trade of the city. Among other things they found that ten of our principal banks drew during the last year exchange to the amount of $418,000,000. At first sight these figures do not appear to correspond with the values of the shipments eastward of farm products during the same period. Taking the amounts of grain, cattle, hogs, provisions, and other animal products, and the average prices ruling for the year, the actual value of the shipments to the seaboard was found to be $249,500,000. Whence, then, did the banks derive the $168,500,000 over and above the value of the shipments from, this city? From all the surrounding country. Some half a dozen railways cross the Illinois Central south of Chicago, and in one way or another the collections for shipments for all the towns and cities for from 200 to 500 miles in all directions, and for even 1,000 miles westward, find their way largely to the hands of our bankers. Chicago is the financial, as well as the commercial centre of all the vast, fertile country by which she is surrounded. And besides, it should be remembered that the figures for the entire trade of the city—merchandise and manufactures included—for the year 1874, footed up to the round sum of at least $638,500,000. Hence the results reached by the committee, in view of the above facts, and of what has been said in this column for the past few days, will be readily believed. That the West and Chicago are living upon the good old maxim "Pay as you go," is proved by the fact that for a long period in the past, exchange has for nearly half the time, perhaps more, ruled at or below par. This, as much as anything else, shows how rapidly our people are becoming independent. It shows, also, that the balance of trade is often in favor of the West. It is in the memory of our business men that the price of exchange on New York has been from 2 to 25 per cent, premium, and at times it could not be had even at that. NEW YORK AND CHICAGO BANKS. At first sight it may seem ridiculous to compare the New York and the Chicago banks; but when it is considered that New York dates her origin way back to the earliest history of the nation, and claims to have the control of its commerce, and to have held it in all the past, and that it is only thirty- eight years since Chicago became a city, with only 4,000 inhabitants, the comparison does not seem to tell so very strongly against us after all. By the last bank statements of the two cities, it appears that there are forty-eight National Banks in New York and sixteen in Chicago, one-third as many; capital of the New York banks, in round numbers, $68,500,000; those of Chicago, $12,000,000, a little more than one-sixth; loans and discounts, New York, $202,000,000; Chicago, $26,000,000 about one-eighth of the figures of the New York banks. As these are the main items, it is not necessary to make any further comparisons. That the Chicago banks will gain rapidly on their metropolitan neighbors there can not be a particle of doubt. PORTLAND, ME., TO SACRAMENTO. As confirmatory of what has appeared in this column for the past few days, one of our manufacturers told the writer yesterday that, among others, he had just filled two large orders—one for Sacramento, CaL, and the other for Portland, Me. Thus in scores of cases daily do both extremes of the continent pay tribute to our city. From the Tribune of Nov. 15, 1875. Business at the banks during the past week has moved along smoothly, to the satisfaction alike of cashiers and customers. If anything, it is very quiet for the season, more so than it should be, considering the immense amounts of farm products still to go forward. Holders seem unwilling to operate to any very considerable extent, certainly not up to the means they have to do it. The packers have fairly commenced operations, but they have thus far drawn mainly on their deposits and loans on call or due when their business commences. As a class, their capital has steadily accumulated for several years past, and the abundance of money in this market for several months during the summer, and the cheap rates at which it could be had on approved collaterals, are due largely to the surplus capital for the time being, in the hands of the packers. Of course, they will be heavy borrowers before the season closes; but bankers will be only too happy to accommodate them with all the money they care to use. The time of their activity comes after most of the other departments of the fall trade have become quiet, and hence the employment they give to the capital of our banks is a great and mutual benefit. The provision trade of Chicago has grown within the last few years far beyond the expectations of our most sanguine packers. Purchases are made almost entirely by wholesale dealers in the seaboard cities and in those of Europe. Shipments are made direct to Liverpool and other cities on the other side on bills of lading, ocean freights included, made in this city. Nobody here now thinks of shipping provisions for sale to commission houses in New York. Buyers have learned to come directly to the head of the market. The stuff is paid for generally by drafts on London or other European cities, and these are promptly cashed by our bankers. The large amount of this business done in Chicago was referred to in this column two or three weeks ago. A single bank in the first six months of the present year discounted foreign drafts against direct shipments of grain and provisions, to the amount of $4,000,000. As might be expected, it sells foreign exchange to our importers in large amounts; but as yet a balance remains, which is disposed of in New York. Another fact worthy of notice is, that none of our citizens, or the people of the West, need go to New York for letters of credit to travel or buy goods anywhere on the face of the earth. Such letters are issued right here, available in any city in South America, in Northern or Southern Africa, or on the long trip all the way round the world. When Duncan, Sherman & Co. failed, two of the sons of one of our citizens were just starting from Italy eastward through Egypt, India, China, Japan, and home by California. Stating the fact to one of our bankers, the father said: "Duncan, Sherman & Co. have failed, and Brown Brothers & Co. may go next; give me a couple of letters of credit which I know will bring my boys home without any possible contingency that may occur in New York." The thing was done, and the young men are somewhere in Asia, traveling there and elsewhere on the letters issued by one of our leading banks. COMMERCIAL CRISES. The following article was published in the Tribune July 31, 1873. I insert it here, for the reason that, possibly, it may be of service to some one into whose hands it may fall. There is an old-time maxim that "History repeats itself." Without inquiring as to the truth of the sentiment, or attempting to give examples to confirm or to disprove it, we propose to inquire whether the supposed law can be applied to commercial crises. Of course each reader should apply the test of his own knowledge and experience to the subject, and act upon the suggestions herein submitted according to his best judgment. The history of this country seems to have developed a law that a general commercial crash may be expected every twenty years. The first occurred in 1797, the second in 1817, the third in 1837, many of our readers can remember that and the fourth in 1857, whose lessons few of our business men have forgotten. The causes which produced the first two can be found in the condition of the country at the time they occurred. After the close of the Revolutionary War and up to the time of the adoption of the Federal Constitution, the business affairs of the nation were at sea. Each State adopted trade regulations with its neighbors or with foreign nations according to its own notions of what duty or interest might dictate. There was no confidence among the business men of the period. The value of the currency issued by the States and by the old Continental Congress was virtually regulated by the peck, and not by the denominations printed on the face of the bills, and confusion worse confounded reigned everywhere. This state of things could not be endured. The Constitution of the United States, adopted in 1787, in which it was provided that Congress should have power "to regulate commerce with foreign nations and among the several States," gradually inspired confidence. Commercial treaties were made with foreign nations; all restrictions upon traffic between the States were abolished, and the country began to prosper. As time rolled on and that prosperity increased, it turned the heads of the old Revolutionary patriots. They began to speculate; prices of everything appreciated; importations of foreign luxuries were made far beyond the value of the exports the country could make to pay for them; and, at the end of ten years, the whole business public was forced into liquidation. There was no money to be had; no confidence anywhere, and very little business could be done till the "hard pan" had been reached. After the close of the speculative period, and the people found themselves standing upon the common plane of poverty, necessity forced all to work and to practice economy. Wealth again began slowly to accumulate, and the demand for our products was stimulated by the wars of Napoleon. England was hard pressed; the old hatreds of the Revolution had not passed away. A quarrel arose, and the War of 1812-'15 was the result. During the war the country was prosperous to an unhealthy extent, and struggled along after it closed till 1817, when a terrible financial crash again involved the country in utter and general ruin. As before, money seemed to have entirely forsaken the channels of trade. What little there was in the country was hid away in old stocking-legs, to reappear only when confidence was in some measure restored. Gradually liquidation did its work. Careful, persevering toil and close economy began to develop the resources of the country and prosperity to bless the land. By 1826, DeWitt Clinton and his far-seeing compeers had completed the Erie Canal; the vast teeming West was opened to the enterprise of the country, and for the next ten years the progress in the population and the wealth of the nation was truly amazing. The rapid rise in the nominal value of lands everywhere, and especially at the West, enticed thousands even of the most prudent business men to invest in them. Wild-cat banks, almost without number, were established in Michigan and almost everywhere west of the Allegheny Mountains. Everybody's pockets were full of bank-bills; and so generally did people take to speculation to get rich, instead of attending to the duties of the farm and the workshop, that potatoes were imported into New York from Ireland in 1836, and wheat from the Baltic. Importations of liquors, gew-gaws, and foreign luxuries rose to frightful figures. Of course this state of things could not last, and the crash of 1837-'8 was the bitter remedy for the moral and commercial insanity that had preceded it. The first two financial crises, as we have seen—viz., that of 1797 and of 1817 were due to the wars and the condition of the country that resulted from those wars. The period of twenty years having once been established, it is proper to inquire, right here, what were the causes that produced the third and the fourth, the conditions that may produce others at the recurrence of every twenty years, and the means by which the country may hope to avoid them. During the time between one financial crash and another, it may be stated generally that nearly the entire property of tbe nation changes hands. The wealthy men die, and with them tbe economy, industry, and prudent foresight, by the exercise of which their estates were accumulated. Their sons and sons- in-law get possession of their property. Commencing where their fathers left off, they launch out into foolish extravagance. The promoters of wild speculative schemes flatter them by parading their names as the patrons of this and that great enterprise, and visions of untold wealth lead them to plunge into debt without limit. The fact is, they did not earn the wealth in which they revel, and they don't know how to take care of it. Not to divide the business public too closely, we mention but one other class who, if we mistake not, contribute largely to those conditions which are sure to produce a crash in the financial affairs of the country. These are the men who commence life entirely poor immediately after a financial revolution. They begin to accumulate by the most careful economy and the most energetic toil. That first thousand dollars, of which all have heard, require the sweat of many a hard day's work to earn, but they earn it. The ring of their hammers late and early—no eight-hour days for them—has been hearo, by the merchant and capitalist. They deserve and have good credit. Business and profits steadily increase, and at the end, say, of fifteen years from the last crash, they are worth ten, twenty, perchance, here and there one, a hundred thousand dollars, or more. Speculation sets in, and many around them are becoming millionaires. Why should they not share in the golden harvest? They "pitch in." Go outside of their legitimate business to speculate in new cities, outside lands, and great companies expected to coin fabulous fortunes. These men who commenced poor—always the majority in business circles—join with the sons of the wealthy, and an insane desire to become suddenly rich seizes all classes. Nearly everybody gets in debt, one borrowing from another all the money he will lend, or, what is more generally true, one buying from the other, at fancy prices, all the property he will sell, and "holding it for a rise." While all is going on swimmingly, some mammoth bubble, like the Ohio Life and Trust Company, bursts, and in a few weeks, or months at most, bankruptcy stares the whole country in the face. Liquidation must then do its work, and in half a dozen years a new race of business men have grasped those enterprises which in a few years more restore the country to a solid basis of prosperity and progress. Those of our readers whose memory, and especially whose business experience, reaches back forty years, will recognize the accuracy of the facts here detailed. If the succession is to continue, the next financial crisis will occur in 1877. How far the condition of the country now warrants the expectation of such an event, let each one determine for himself. Especially will it be wise for all prudent men to watch carefully the course of financial events for the next four years. A crash can only come when nearly everybody is largely in debt, and if, forewarned by the past, people keep expenses and ventures within their means, the country will escape the repetition of the bankruptcy that has occurred every twenty years in all our past history. It is with the hope that, warned by the past, some, at least, of the readers of this article may ride in safety through all the financial storms that may befall us. When everybody is rushing into debt, it is a sure sign that it is best for wise, sane men to get out of it. It follows that, if one could foresee a crash, his best policy would be to sell all out a year or two before it occurs; have his cash in hand, and, when liquidation has done its worst, buy all the property he can and hold it. When the whole country lives within its means, and people are at work, wealth is sure to accumulate and values to appreciate. This rule has no exceptions; but of its application to the present or to the future, each reader must judge for himself. Of 1877 we make no predictions, beyond what the principles above stated will warrant. I did not then and do not now regard the crash of 1873 as at all to be compared to those of 1837 and 1857; as property did not then and since generally change hands. I compare it to the "squeeze" of 1854, and others like it. I do not look for it next year though it must be confessed that a very large class of people would be only too glad to get their property out of their hands and their outstanding notes and obligations in them. In this instance the crash may be delayed for some time; but as prices of almost everything have been steadily settling since 1873, they may reach bottom in 1877. It may be well to drop this hint, Look out for breakers one or two years after specie resumption. REMINISCENCES OF EARLY CHICAGO. AN INTERESTING LECTURE BY GOV. BROSS. A GOSSIPY DESCRIPTION OF SCENES AND INCIDENTS IN THE HISTORY OF THE GARDEN CITY. From, the Tribune, January 24,1876. LECTURE BY THE HON. WM. BROSS Gov. Bross spoke yesterday afternoon at McCormick Hall, his subject being "What I remember of Early Chicago." Following is his discourse in full: The charter of the City of Chicago bears date March 4, 1837, and the first election for city officers was held on the first Tuesday in May, 1837. Not a few of the men and women who saw it when an Indian trading post, with Fort Dearborn to defend the settlers, are still among us, and the ladies certainly would not feel complimented were they called old. Hence whatever is said about "The Early Times in Chicago" must be regarded as relative, for the city has not yet numbered 38 years. As I first saw Chicago in October, 1846, and commenced my permanent residence here on the 12th of May, 1848, I can scarcely be called an old citizen, and yet in that time it has grown from a city of about 18,000 (later in the season the census gave us 20,023) to nearly, if not quite, 450,000—an increase never before equaled by any city in the history of the world. From a city then scarcely ever mentioned, she has become the fourth in rank and population upon the American Continent. But granting for the moment that I am an old citizen, I recognize the duty of placing on record—as myself and others have doubtless often been urged to do— what I know personally of the history of Chicago. Though this may require a too frequent use of the personal pronoun, your Directors are responsible if I bore you with it. If each citizen would do it, the future historian could select what best suited his purpose, and Chicago would have what no other city has—a history from its earliest times, written by its living inhabitants. In 1854 I prepared and published some notes on the history of the Town of Chicago— in fact, going back to the discovery of the site by the French Jesuit missionaries, Marquette and Joliet, and I shall devote the hour to giving you a supplement to what used to be called "Our Pamphlet" of 1854. This was ably continued by my friend, Elias Colbert, in 1868; but neither of them pretends to give much of how Chicago appeared to the visitor in the "earlier times" of its history. CHICAGO IN 1846. Your speaker, as above stated, first arrived in Chicago early in the morning of the second Sabbath in October, 1846, now of course nearly thirty years ago. We landed from the steamer Oregon, Capt. Cotton, near the foot of Wabash avenue, and, with others, valise in hand, trudged through the sand to the American Temperance House, then situated on the northwest corner of Wabash avenue and Lake street. Soon after breakfast a tall young man, made apparently taller by a cloth cloak in which his gaunt figure seemed in danger of losing itself, and whose reserved modest manners were the very reverse of what we had expected to find at the West, called on the clergy of our party and invited one of them to preach and the rest of us to attend service in the Second Presbyterian Church. That cloak would now be well filled by its owner, the Rev. Dr. Patterson, who has grown physically as well as intellectually and morally with the growth of the city, to whose moral welfare he has so largely contributed. Of course we all went to what by courtesy, as we thought, was called a church. It was a one-story balloon shanty-like structure that had been patched out at one end to meet the wants of the increasing congregation. It stood on Randolph street, south side, a little east of Clark. It certainly gave no promise of the antique but splendid church that before the fire stood on the corner of Washington street and Wabash avenue, or that still more elaborate and costly building, the Rev. Dr. Gibson's church, at the corner of Michigan avenue and Twentieth street. That afternoon and Monday morning afforded ample time to see the city. The residence portion of it was mainly between Randolph and Madison streets, and there were some scattered houses as far south as Van Buren, on the South Side, four or five blocks north of the river on the North Side, with scattering residences about as far on the West Side. There were perhaps half a dozen or more wooden warehouses along the river on Water street. The few stores that pretended to be wholesale were on Water street, and the retail trade was exclusively done on Lake street. Stores and dwellings were, with few exceptions, built in the balloon fashion. To some of my hearers this style of building may already be mysterious. Posts were placed in the ground at the corners, and at proper distances between them blocks were laid down singly or in cob-house fashion. On these foundations timbers were laid, and to these were spiked, standing on end, 3x1 scantling. On these sheath-boards were nailed, and weather-boards on the outside of them; and lath and plaster inside, with the roof, completed the dwelling or store. This cheap, but for a new town, excellent mode of building, it is claimed, was first introduced, or, if you please, invented, in Chicago, and I believe the claim to be true. Of course the fire made sad havoc with them at times; but the loss was comparatively small, and they were quickly and cheaply rebuilt. True, Chicago was ridiculed as a slab city; but, if not pleasant, to bear ridicule breaks no bones. When our merchants and capitalists had grown rich enough to build permanent buildings, of course they did it. Then there were not as many bricks laid in walls in the whole city as there are now in single blocks anywhere near the business centre of the city. Chicago need not shrink from comparing them with those in any other city upon the continent. My first objective point in Northern Illinois was Batavia, on Fox River, 40 miles distant, where some Orange County (N. Y.) friends resided. As Frink & Walker's stages did not pass through the town except on the road along the river, the problem was how to get there. The streets were full of farmers' teams, and in half an hour's tour among them we found a man who, for a small sum, agreed to land us there Monday evening. It was nearly noon before we got started, and as two of my traveling companions lived 3 or 4 miles west of Fox River, and were bound to get home that night, they soon began to use all their arts to urge our Jehu onward. At the old tavern on the west side of the Aux Plaines near the bridge, they treated the old farmer freely, and again at Cottage Hill, Bibcock's Grove, and other places; but sooth to say, the whisky, though it had a marked effect upon the old man, must then; as now, have been "crooked," for the more he got of it inside of his vest the slower he stubbornly determined to drive his team; but he assured us he would "root along," and get to Batavia that evening, and he did. Of course, an account of my journey to St. Louis and up the Ohio homeward has no place in this lecture. MORE ABOUT TRAVELING, IN 1848. As a specimen of traveling, in 1848, I mention that it took us nearly a week to come from New York to Chicago. Our trip was made by steamer to Albany; railway cars at a slow pace to Buffalo; by the steamer Canada thence to Detroit; and by the Michigan Central Railway, most of the way on strap rail, to Kalamazoo; here the line ended, and, arriving about 8 o'clock in the evening, after a good supper, we started about 10 in a sort of a cross between a coach and a lumber box-wagon for St. Joseph. The'road was exceedingly rough, and, with bangs and bruises all over our bodies, towards morning several of us left the coach and walked on, very easily keeping ahead. In this tramp I made the acquaintance of John S. Wright, then, and for many years afterward, one of the most enterprising and valuable citizens Chicago ever had. He gave me a cordial welcome, and a great deal of valuable information. On Sabbath he called and took me to church, and embraced many opportunities to introduce me to Mayor Woodworth and other leading citizens, giving me a lesson in courtesy to strangers which I have never forgotten. I beg to impress it upon you all as a duty too much neglected in the hurry and bustle that surround us on every side. The steamer Sam Ward, with Captain Clement first officer, and jolly Dick Somers as steward, afterwards Alderman, brought us to the city on the evening of the 12th of May, 1848, and here at 121 Lake street, with Dr. Scammon's drug store on one side and Lock's clothing store on the other, the stranger from the East settled down quietly as a bookseller. The city had added 4,000 to its population in the year and a half after I first saw it; but it had changed very little in appearance. It was still pre-eminently a slab city. The Illinois and Michigan Canal had been opened the month before, and during the summer packets were put on, and, running in connection with steamers on the Illinois River, quite an impetus was given to travel through the city. To them it did not present a very inviting aspect. The balloon buildings above spoken of were mostly dingy and weather beaten. The only two stone buildings in the city built of blue limestone, brought as ballast from the lower lakes, stood on Michigan avenue between Lake and South Water streets, on the site now occupied by the Illinois Central Railroad offices. They were the aristocratic mansions of the city. There were a few brick residences and stores, but these were the exception. It was curious to notice how long some of the old balloon buildings would escape the fire. The old store in which Mosely & McCord commenced business, between Clark and LaSalle streets, on the north side of Lake, was built when the proprietors could look south to Blue Island with not a building in front to obstruct the view. There it stood, with the sign "Mosely & McCord" just below the roof, till it was all surrounded by brick buildings, and the insurance on it had cost ten times what the building was ever worth. Subtract the few scattering brick buildings on South Clark street, in the vicinity of Twelfth street, and the dingy shanties in that vicinity on Clark street and Third and Fourth avenues will best represent what most of Chicago was in 1848. BUILDING STONE. And here I may as well mention the sources from which our fine building materials are derived. Till after that year it was supposed we had no good rock for building anywhere near the city. The blue-limestone quarries from which the stone for the two dwellings above mentioned were taken, were thought to be our best and cheapest source of supply. Besides these, there had been brought from the lower lakes some sandstone flagging. It lay in front of the Laflin residence block, corner of Washington street and Michigan avenue, where it served for a sidewalk up to the time of the fire in 1871. Discussions, held for a long time by the Trustees of the Second Presbyterian society, when it was proposed to build a new church edifice in 1849, resulted in their determining to use stone found near the western limits of the city. The location has become somewhat famous as the site of our first artesian well. The rock is a porous limestone, with sufficient silex mixed with it to make it very hard. It seems to have been formed under a bed of bitumen, or coal for the pores in the rock are filled with it, and hence some of the less porous stones in the church were of a pale creamy color, while others were so filled with pitch or bitumen that it oozed out in hot weather, and they were as black as tar. Hence it was called the speckled or spotted church, a name which, referring to an unfortunate occurrence in its after history, my friend Sam Bowles said was derived from its speckled morality. The same rock was used in rebuilding the church at the corner of Twentieth street and Michigan avenue. The use of this rock was really the first important event of the kind in the building history of the city. While this material was regarded as a most excellent one for church purposes, giving them an antique and venerable appearance, it was not considered the thing for the Cook County Court House in 1852 or '53,—I did not have time in this, as in some other cases, to look up the exact date. Our wise men of that ancient period, after due deliberation, determined to use a rock found at Lockport, N. Y., a bluish-colored limestone. Fortunate it was that official plundering had not then, as now, been reduced to a science, or the entire county would have been forever swamped in the debt contracted for the money to build it. This was regarded as the cheapest and best rock that could be had for building—for such structures—and was the second leally progressive step in the building of the city. During all this time it is remarkable that no one had thought of the limestone quarries through which the canal had been cut for several miles this side of Lockport. The reason probably was that some of the strata were not well crystalized and rotted readily; but tens of thousands of cords of it that showed no signs of decay lay scattered along the canal. In 1852 or 1853 some one, if I mistake not ex-Mayor Sherman, built a store on Randolph street, it was afterwards removed to Clark street opposite the Court House,—facing it with this stone. Everybody was delighted with its beautiful color. It was found to become very hard when seasoned, and pronounced a marble by President Hitchcock, of Amherst College. It very soon came into general use. In December, 1853, the Illinois Stone and Lime Company was formed, with A. S. Sherman, now of Waukegan, as its efficient manager. The next summer, Harry Newhall built two very fine dwellings of it on Michigan avenue between Adams and Jackson streets, and M. D. Gilman followed with another next to Newhall, and after that its use became general. It is conceded to be one of the best and most beautiful building materials in the world. Cheaply quarried and easily accessible by water, Chicago owes much of her prestige and prosperity to these Athens marble quarries. From it also Chicago constructs the best sidewalks in the world, for, resting on an inner and outer wall, they are unaffected by frost, and are always smooth and pleasant to the pedestrian. Before, and especially since the fire, Chicago has drawn upon the beautiful sandstone quarries of Ohio; the red sandstone of Connecticut and of Lake Superior; she has cheap access to the marble deposits and the granite of Vermont, Massachusetts, and Minnesota, 150 miles west of the head of Lake Superior, and it is now conceded that no city in the world has a better variety of building material or is making a more judicious and liberal use of it. OUT OF TOWN, CORNER MADISON AND STATE. Going back to 1848, after remaining a week at the City Hotel, corner of State and Lake streets, I was admitted to a most excellent home, that of the late Rev. Ira M. Weed, corner of Madison and State streets, where Buck & Rayner's drug store now is. This was considered far south, and as the sidewalks were not all good, the best that could be found was south on Dearborn to Madison, where a very large sign on a paint shop, where the Bank of Commerce now is and directly opposite The Tribune office, reminded me to turn eastward. The sidewalks, where such luxuries were indulged in, lay in most cases upon the rich prairie soii, for the string pieces of scantling to which the planks were originally spiked, would soon sink down into the mud after a rain, and then as one walked, the green and black slime would gush up between the cracks to the great benefit of retailers of blacking. One's disgust can be under¬stood when it is stated that this meant some minutes of active personal service in the morning, for this was long before the pro¬fessional bootblack was born— certainly before he made his advent in Chicago. In March, 1849,-I think March was the month,—my family having arrived per steamer Niagara the August previous, we commenced housekeeping on Wabash avenue between Adams and Jackson streets, in a cosy little house at the modest rent of $12 per month. In May following I bought of Judge Jessie B. Thomas 40 feet on Michigan avenue, commencing 80 feet south of the comer of Van Buren street, for $1,250. The Judge had bought it at the canal sales in the spring of 1848 for $800, on canal time, viz.: as Dr. Egan afterwards directed in taking his pills, one-quarter down, balance in one, two and three years. I paid the Judge his profit, and what he had advanced on the first payment, and assumed the balance due the Canal Trustees, and took the deed to me directly from them. It was in a safe place during the fire, and of course is now a very ancient document. In the fall of 1849 I bought a small wood house that I found moving along on Wabash avenue, and moved it on my lot. In this modest home we spent some six very happy years. Judge Manierre lived on Michigan avenue, corner of Jackson streev where the Gardner House now is. Harry Newhall lived on the block north. Mine was the only house on block 9, except a small tenement on the rear of a neighboring lot, where lived an African friend and brother named William. There were at first NO SIDEWALKS for a considerable distance north, and hence we were not troubled with promenaders on the avenue. The lake shore was perhaps a hundred feet east of the street. There my brother John and myself, rising early in the morning, bathed in summer for two or three years. We had an excellent cow-for we virtually lived in the country—that, contrary to all domestic propriety, would sometimes wander away, and I usually found her out on the prairie in the vicinity of Twelfth street. I saw a wolf run by my house as late as 1850. An incident in the purchase of the lot will illustrate the loneliness of our situation. The rule of speculators at the canal sales was to buy all the property on which the speculator could make the first payment, and then sell enough each year to make the others. Judge Thomas had followed this plan, and advertised a large list of property in the spring of 1849. He sold to myself and the Rev. Dr. Patterson adjoining lots at $1,250 at private sale; but it was agreed that these should be sold with the rest, so as to attract customers, as Michigan avenue had become somewhat popular as a prospective place of residence. When my lot was struck off to me for some $1,300, Harry Newhall came across the room, and said, "Bross, did you buy that lot to live on? Are you going to improve it?" "Yes," was the reply. "Well," said he, "I'm glad of it; I'm glad some one is going to live beyond me. It won't be so lonesome if we can see somebody going by night and morning." We then lived, as above stated, on Wabash avenue, between Adams and Jackson streets. REAL ESTATE. In the winter of 1851-'52, my friend, the late Charles Starkweather, insisted on selling me 14 acres of land immediately south of Twenty-sixth street, and east of State to Michigan avenue. Capt. Clement and myself went out of town to look at it, going across lots south of Twelfth street. It was away out on the prairie, and I made up my mind that the price ($500 per acre) was too much. I could raise the $1,000 to make the first payment; but where was the 6 per cent, on the balance for the next ten years to come from? Capt. Clement took the property, paid the $1,000, and, in seven months, sold it for $1,000 an acre, clearing in that time $7,000 on an investment of $1,000. But the Captain let a fortune slip through his hands, for that 14 acres is now valued by James H. Reese, Esq., at $560,000, or $40,000 per acre. In that case, as in scores of others, I, too, just escaped get¬ting rich; but I have an abundance of good company, for hundreds of my fellow-citizens have missed opportunities equally good. Take the following instances: Walter L. Newberry bought the 40 acres that form his addition to Chicago, of Thomas Hartzell, in 1833, for $1,062. It is now valued at $1,000,000. Maj. Kingsbury had been off on an exploring expedition about this time, till his pay as an army officer, above his immediate necessities, amounted to some $600. A brother officer advised him to salt this down for his two children. He bought for it 160x180 feet corner of Clark and Randolph streets, and 27 acres on the North Branch. It is now worth from $600,000 to $1,000,000. One quick at figures could probably show that at compound interest the cost of the land would have realized much more than it is now worth. In time this certainly will be true; but if the rents of the land are taken in place of the interest, let him who has time to make the figures determine which would have been the more profitable investment. NO PAVEMENTS. I said we had no pavements in 1848. The streets were simply thrown up as country roads. In the spring for weeks portions of them would be impassable. I have at different times seen empty wagons and drays stuck on Lake and Water streets on every block between Wabash avenue and the river. Of course there was little or no business doing, for the people of the city could not get about much, and the people of the country could not get in to do it. As the clerks had nothing to do, they would exercise their wits by putting boards from dry goods boxes in the holes where the last dray was dug out, with significant signs, as "No Bottom Here," "The Shortest Road to China." Sometimes one board would be nailed across another, and an old hat and coat fixed on it, with the notice "On His Way to the Lower Regions." In fact, there was no end to the fun; and jokes of the boys of that day—some were of larger growth—were without number. Our first effort at paving, or one of the first, was to dig down Lake street to nearly or quite on a level with the lake, and then plank it. It was supposed that the sewage would settle in the gutters and be carried off, but the experiment was a disastrous failure, for the stench at once became intolerable. The street was then filled up, and the Common Council established a grade from 2 to 6 or 8 feet above the natural level of the soil. This required the streets to be filled up, and for a year or two Chicago lived mostly on jack-screws, for the buildings had to be raised as well as the streets. Until all the sidewalks were raised to grade, people had to go up and down stairs from four to half a dozen steps two or three times in passing a single block. A Buffalo paper got off a note on us to the effect that one of her citizens going along the street was seen to run up and down every pair of cellar stairs he could find. A friend, asking after his sanity, was told that the walkist was all right, but that he had been in Chicago a week, and, in traveling our streets, had got so accustomed to going up and down stairs that he got the springhalt and could not help it. THE COURT HOUSE SQUARE should not be forgotten. On the northwest corner of it stood, till long after 1848, the Jail, built "of logs firmly bolted together," as the account has it. It was not half large enough to hold the Aldermen that, if standing now, ought to be in it, not to speak of the Whisky Ring, and certainly it was not strong enough to keep them there. The Court House stood on northeast corner of the Square—a two-story building of brick, I think, with offices in the lower story. They stood there till 1853, when they were torn down to give place to the new building completed in that year. I said we had no gas when I first came to the city. It was first turned on and the town lighted in September, 1850. Till then we had to grope on in the dark, or use lanterns. Not till 1853 or '54 did the pipes reach my house, No. 202 Michigan avenue. But the more important element, water, and its supply to the city, have a curious history. In 1848, Lake and Water, and perhaps Randolph streets, and the cross streets between them east of the river, were supplied from logs. James H. Woodworth ran a grist-mill on the north side of Lake street near the lake, the engine for which also pumped the water into a wooden cistern that supplied the logs. Whenever the lake was rough the water was excessively muddy; but in this, myself and family had no personal interest, for we lived outside of the water supply. Wells were in most cases tabooed, for the water was bad, and we, in common with perhaps a majority of our fellow-citizens, were forced to buy our water by the bucket or the barrel from water-carts. This we did for six years and it was not till the early part of 1854 that water was supplied to the houses from the new works upon the North Side. But our troubles were by no means ended. The water was pumped from the lake shore the same as in the old works, and hence, in storms, it was still excessively muddy. In the spring and early summer it was impossible to keep the young fish out of the reservoir, and it was no uncommon thing to find the unwelcome fry sporting in one's wash-bowl, or dead and stuck in the faucets. And besides they would find their way into the hot-water reservoir, where they would get stewed up into a very nauseous fish chowder. The water at such times was not only the horror of all good housewives, but it was jusily thought to be very unhealthy. And, worse than all this, while at ordinary times there is a slight current on the lake shore south, and the water, though often muddy and sometimes fishy, was comparatively good, when the wind blew strongly from the south, often for several days the current was changed, and the water from the river, made from the sewage mixed with it into an abominably filthy soup, was pumped up and distributed through the pipes alike to the poorest street gamin and to the nabobs of the city. Mind you, the summit level of the canal had not then been dug down and the lake water been turned south. The Chicago river was the source of all the most detestably filthy smells that the breezes of heaven can possibly float to disgusted olfactories. Davis' filters had an active sale, and those of us who had cisterns betook ourselves to rain-water— when filtered, about the best water one can possibly get. As Chicago, with all her enterprise, did not attempt to stop the south wind-from blowing, and her filthy water had become unendurable, it was proposed to run a tunnel under the lake to a point two miles from the shore, where the water was always pure—one of the boldest and most valuable thoughts ever broached by a civil engineer, but our able fellow-citizen, E. S. Chesbrough, not only planned, but carried out the great enterprise to a successful conclusion. Ground was broken March 17, 1864; it was completed Dec. 6, 1866, but it was not till March 25,1867, that the water was let in and began to be pumped into the pipes to supply the city. A few words as to the way it was constructed: In digging under the city a hard blue clay is reached at the depth of a few feet. Experiments proved that this bed of hard, compact clay extended under the lake. At the foot of Chicago avenue, where it was proposed to sink the shore end, a bed of quicksand had to be passed through. To do this, cast-iron cylinders were procured, 9 feet long. The flanges by which they were to be bolted together were on the inside, so that they could sink smoothly through the sand. These were lowered successfully, as the material from the inside was taken out, till the hard pan was reached. Brick was then used. The water 2 miles from shore was 35 feet deep. In order to start that end of the tunnel an octagonal crib was, built of square timber, framed and bolted firmly together, with several water-tight compartments and a space in the centre left open sufficiently large to receive the same kind of cast-iron cylinders as were used at the shore end. The crib was nearly 100 feet in diameter, and, if I mistake not, 50 or 60 feet high. It was built in the harbor, and during a calm it was towed out 2 miles and anchored due east of Chicago avenue; then scuttled, the compartments were filled with stones, and it was imbedded firmly into the mud at the bottom of the lake. The cylinders were bolted together and forced down into the hardpan, the water was pumped out and the brickwork, was fairly commenced. The shore shaft was sunk 90 feet, and that at the crib 85 feet, and then workmen at each end commenced excavating and bricking up the tunnel towards each other. Of course I need not give more particulars, nor speak of the 4-mile tunnel to the corner of Ashland avenue and Twenty-second street, where new pumping-works are in process of erection—our works on the lake shore being found only capable of supplying the 450,000 people now said to be in the city. Chicago may well be proud of her Water-Works, for they are truly splendid, and furnish her with an abundance of as pure water as can be found in any city in the world. We had no sewers in 1848. The first attempts were made a year or two later with oak plank, I think on Clark street. I have no time nor space for particulars, but will only add that a thorough and effective system has been extended through all the more thickly settled portions of the city, and the deepening of the Illinois & Michigan Canal carries the sewage down the Illinois River, and, except when the ice covers the canal and river for many weeks, it does no damage whatever, and does not even make itself known by offensive odors. Our mails from the East came by steamer from St. Joseph or New Buffalo, or by stage from the west end of the Michigan railways, till Feb. 20,1852, when the Michigan Southern was opened to this city. Of course during severe storms, while navigation was open, and during the winter and spring, when the roads were about impassable, they were very irregular. Sometimes we would be a week or two without any news from the outside world. Our long winter evenings were employed in reading,—much more so than now,—in attending lectures and debates at the Mechanics' Institute, in going to church, and in social life. Chicago people have always had abundant means to employ their time fully and profitably. The post-office stood on Clark street, on the alley where the north side of the Sherman House now is. It had a single delivery window a foot square, opening into a room with a door on the alley, and another on Clark street. All the city could see the flag flying from the Sherman House, when the mail steamer from the other side of the lake was signaled. Each one knew how long it would take her to reach her dock and the mails to get distributed. For a long time before the delivery window would open, the people would begin to assemble, the first taking his station at the window and the others forming in line through the rear door into the alley, often far into the street, like along line of voters at election. Here I saw one day an incident which I mention as a tribute to one of the best and noblest of men, and as an example for all of us to follow. At one time when we had been without a mail for a week or more, I stood in the line perhaps a dozen from the window and Robert Stewart two or three ahead of me. Just as the window opened and the column began to move, a woman, poorly clad and evidently a foreigner, rushed in at the front door, and, casting her eye down that long line of men, the muscles of her face twitched and she trembled with anxiety. She evidently expected a letter from dear ones far away over the broad Atlantic. Not a word was uttered by the crowd, and there she stood waiting in agony for the crowd to pass by, till it came Mr. Stewart's turn, when, with a kindly wave of the hand he said, "Come here, my good woman," and, placing her directly in front of him, she grasped her letter, and with a suppressed "thank the Lord and you sir," she left, the most happy person in the crowd. Any man might do such an act for a lady in silks; but only a noble, Christian gentleman like Robert Stewart would do it for a poor, forlorn woman in calico. There was not a railway entering the city from, any direction in 1848. Some strap rails were laid down that fall, or during the winter following, on the Galena & Chicago, now the North-Western, and in 1850, through the personal endorsement of ex-Mayor B. W. Raymond and Capt. John B. Turner, men to whom Chicago is greatly indebted, it readied Elgin, 40 miles westward. So cheaply and honestly was it built, and from the time it was finished to Elgin, 40 miles, so large and lucrative was its business, that it paid large dividends, and demonstrated that Illinois railways could be made profitable investments. It became, in fact, the parent of the vast railway system of the West. It was marvelous how rapidly railways were projected in all directions, and how quickly they were built. The Michigan Southern Railway was the first great Eastern line to reach this city, which it did on the 20th of February, 1852. The Michigan Central was opened May 20th of the same year. These gave a very great impulse to the growth and prosperity of the city. These were times when the coming of great enterprises seemed to fill the air, and the men were found who were ready to grasp and execute them. The necessity of binding the South and the North together by iron bands had been broached and talked of in Congress and elsewhere in 1848, and a few sagacious men had suggested the granting-of alternate sections of the public lands to aid in the construction of the road as the only means by which it could be built. It had worked admirably in the case of the Illinois & Michigan Canal, and it was agreed that the importance of the work-would justify a similar grant in aid of a great through line from the Lakes to the Gulf of Mexico. With the characteristic-forecast and energy of her citizens, Chicago furnished the man who combined all interests and furnished the friends of the measure in Congress the means to carry it. That man was John S. Wright, who, as before stated, was one of the most far-seeing and valuable citizens Chicago ever had. The whirl and excitement in which he lived clouded his mind toward the close of his life; but if any one among bar earlier citizens deserves a monument to his memory, that man is John S. Wright. I had the same office with him in 1849, and hence know personally of what I speak. At his own expense he printed thousands of circulars, stating briefly, but with sufficient fullness, the arguments in favor of building the road, its effect upon the commerce and the social and political welfare of the Union; that in granting the lands the Government would lose nothing, as the alternate sections would at once command double the price of both. To this a petition to Congress to make the grant was attached. At that time such mail matter went free to postmasters, and with a small circular asking them to interest themselves in getting signers to the petitions, or to put them in the hands of those who would, Mr. Wright (giving employment to his clerk for weeks) sent two or three of them to every postmaster between the Lakes and the Gulf of Mexico. In the early part of the session of 1849-'50 these petitions began to pour into Congress by; the thousands, and still all through the summer of 1849 they kept coming. Members from all sections stood aghast at this deluge of, public opinion that seemed about to overwhelm them, unless they at once passed a law making a grant of lands to the States to open a railway from Chicago to the Gulf of Mexico. Our Senators, Douglas and Shields, and Representatives, Wentworth and others, saw their opportunity, and the bill was passed on the 20th day of September, 1850. On the 10th of February, 1851, the Illinois Legislature chartered the company, and its construction was placed in the hands of Col. R. B. Mason. I need not add that a better selection could not possibly have been made.* ----------------- *From the Tribune, Feb. 4. THE "PRAIRIE FARMER" AND JOHN S. WRIGHT. The Rev. J. Ambrose Wight, writing from Bay City, Mich., under date of Feb. 1, in relation to the lecture on "Early Chicago" recently delivered in McCormick's Hall, says: "My early Chicago is earlier. I arrived there in September, 1836, and had my head quarters there till May, 1843, when I removed there, and remained till May, 1865. "The thing that more especially pleases me in the lecture is the tribute to my old friend, John S. Wright. If Chicago, the State of Illinois, and the old Northwest, owe anything to anybody, it is to John S. Wright. The lecture states his movement in the matter of the Central Railroad. But that was only one of his undertakings for the public good. For fifteen years he was constantly engaged in some scheme with the same end. His establishment of and success with the Prairie Farmer were things remarkable, considering his age and supposed qualifications for such a work. He had never done a day's work on a farm in his life, and presumptively knew nothing about it. But he possessed a remarkable insight info public needs. He started his paper, freely acknowledging his own deficiencies, but threw himself on the help of the farmers, whose acquaintance he constantly made—putting as his motto at the head of his paper, "Farmers, write for your paper." And this flag was still flying in the last copy I have seen of that journal. For ten years that paper held a place which money could never pay for, and was essential to the growth of the country where it circulated—settling, one after another, such questions as these: "Will the cultivated grasses grow on prairie lands?" "Can sheep be kept to advantage here?" "Can orchards be a success?" "How shall we fence these open lands?" and hundreds of other questions of like kinds—the machinery to be used on the farm; the stock most profitable; and the claims of dozens of discoveries and inventions, good, and good for nothing. Mr. Wright relinquished the elm, it is true, after a year and a half, but his enthusiasm and insight gave impulse and direction, and made it a success. "Then the system of public schools in Illinois owes its first impulse and direction to him, though he knew no more of school-teaching than of farming. He began work at that as soon as his paper was fairly launched ; setup a department in it for public-school education, corresponded and wrote unweariedly for it. There was no system of schools in the State at that time. The "common school," on the South Side, for Chicago, was kept in a story-and-a- half building, up stairs—the building standing at the corner of State and Madison streets—the pedagogue being a Mr. Bennet, I think; and my impression,is that the school was common enough. The schools over the State were just as they happened to be. "Mr. Wright drew up a system for the State, published it, printed circulars, got friends for it, and had it made a law, against a pretty strong dislike from the southern and central parts of tne State. -------------------------- Permit me to say here, by way of parenthesis, that omnibuses and horse-cars were introduced nearly ten years after this time. The City Railway Company was chartered Feb. 14, 1859. Pardon the remark, that whatever honor attaches to driving the first spike belongs to your speaker. It was done on State, corner of Randolph. The road reached Twelfth street on the 25th of April, 1859, only seventeen years ago. Now the whole city is gridironed with them, and they are essential to its business life. I should like to give you the history of the Rock Island, the Alton & St. Louis, the Burlington & Quincy, the Pittsburgh & Fort Wayne, and other roads, but time and space forbid. For several years succeeding 1854, the leading men of Chicago had to endure a great deal of eating and drinking, as our railways were opened to cities in all directions; and for this ser- -------------------- And, when he found it defective, he reconstructed it, and it became a new law. And this old law of Mr. Wright's, made over as the Indian gun was, is the system now. True, he soon got powerful helpers in Chicago, among whom I remember as the earliest, William Jones, J. Y. Scammon, Dr. Foster, W. H. Brown, and Flavel Mosely—succeeded by such others as the Hon. Mark Skinner, John Wentworth, and a good many more, including William H. King, Esq. "Another of Mr. Wright's public movements was that of the 10-per-cent.-loan law. The Legislature, moved by the southern Granger interest, had passed a law making a higher interest than 6 per cent, usurious. Mr. W. knew, that a repeal of that law was a hopeless undertaking. But it prevented all obtaining of money for use—operating especially hard against the interests of Chicago and the northern end of the State, where recovery from the financial disasters of 1836-7 had set in with a good deal of strength. He therefore drew up an amendment to the 6-per-cent. law, allowing an interest of 10 per cent. "on money loaned." As usual, his circulars flew like the leaves of autumn; and, contrary to the prediction of many, the amendment passed the Legislature. The relief was instantaneous and great. Chicago — old Chicago — knows Mr. Wright's peculiarities well enough. He saw further into a subject, in the beginning, than most men. But once in it, he seemed to love his ability to handle it, and often his interest in it; and the outcome sometimes threw undeserved obloquy on the whole undertaking. Had he been able to carry things through as he begun them, he had probably been a millionaire, and alive to-day." Mr. Wight does not state, what most of our older citizens know, that, when Mr. Wright "relinquished the helm" of the Prairie Farmer, "a, year and a half" after it started, he committed it to Mr. Wight, as its editor. The sterling integrity, untiring zeal, sharp, strong common sense, and trenchant pen of Mr. Wight made the Prairie Farmer for many years one of the very best agricultural papers ever published in this country. Mr. Wright was too completely absorbed in the other important enterprises of which Mr. Wight speaks, to give much attention to his paper, though retaining the proprietorship of it. But to his enterprise in starting it, and to that of Mr. Wight in conducting it, Chicago and the Northwest owe a far greater debt of gratitude than they will ever be able to repay, or even appreciate. Those, were forming epochs in our history, and much of our wonderful progress and prosperity are the direct result of their labors. -------------------- vice, as for all others, they showed a capacity and willingness, as well as a modesty, which has made them distinguished all over the country. On the 10th of May, 1869, the Central and Union Pacific Railways joined rails at Promontory Point, thus completing the grand railway system across the continent. And here I may be permitted the incidental remark that we who live with them, and enjoy the first fruits of their enterprise, do not sufficiently honor the men who bridge our great rivers and bind every section of the Union together in bands of iron and steel, never to be broken, such men as Wm. B. Ogden, John B. Turner, R. B. Mason, Thomas C. Durant, Leland Stanford, and scores of others that might be named. History shows that it was not only the men who bore the victorious eagles of old Rome through distant nations, but who built roads to connect, them with the Eternal City, that received the highest honors. Thus it was that great national thoroughfares were built thousands of miles long, from the North to the Black Sea, and as in that case all roads pointed towards Rome, so at least nine-tenths of all the roads in all this broad land point to Chicago. Do you know that the title even now worn by the Pope of Rome has come down to him from those old road-builders? Pontif ex Maximus simply means the greatest bridge-builder, the proudest, and thus far the most enduring title ever worn by earthly monarch. Let our city honor the men for making Chicago commercially in this centennial year what Imperial Rome was politically in past ages. While we give all honor to these men, let not the name of John S. Wright be forgotton, who, addressing himself to even the greater work, in 1849, combined and gave direction to the political and moral forces that enabled them to complete the grandest system of improvements ever made in the history of the world. You will expect me to say something of the press of the city. In 1848 the Journal had rooms in what was then the Saloon Buildings, on the southeast corner of Clark and Lake streets. The Gem of the Prairie, and The Tribune as its daily, maintained a precarious existence in an old wooden shanty on the northwest corner of Lake and Clark streets. Messrs. Wheeler, Stewart and Scripps were the editors. It was burned out, and then located at No. 171 1/2 Lake street. My friend the Hon. John Wentworth published the democrat in very aristocratic quarters at Jackson Hall, on LaSalle street, just south of Lake. He had the only Hoe power-press in the city. In the fall of 1849, finding I preferred my old occupation of using books rather than of selling them, I disposed of my interest in the book-store to my partners. It was the original of the great house of Jansen, McClurg and Co. The leading member of the firm now—my brother-in-law—I left in the store a mere boy, whose duties were to sweep out, carry packages, and generally to do a boy's business. I mention this as an example for the boys who hear me to follow. I then formed a partnership with J. Ambrose Wight, then editor of the Prairie Farmer, — a most valuable paper, owned by John S. Wright,—and we bought out the Herald of the Prairies, a religious paper, the organ alike of the Presbyterians and Congregationalists of the Northwest. The latter half of the concern survives in the Advance. It was then published on Wells street, on the corner of the alley between Lake and Randolph streets. We soon moved to 171 Lake street, next door to The Tribune, and in the rear building, on an old Adams press, the first power press ever brought to the city, we printed our own paper, and also The Tribune, for Messrs. Stewart, Wheeler & Scripps. The press was driven by Emery's horse-power, on which traveled, hour by hour, an old black Canadian pony. So far as my interest in the splendid machinery of The Tribune is concerned, that old blind pony ground out its beginnings, tramping on the revolving platform of Emery's horse-power. By the autumn of 1851 Mr. Wight, a man who, as editor of the Prairie Farmer, did very much towards laying the foundations of the rapid progress and the great prosperity of the West, and now pastor of the Presbyterian Church at Bay City, Mich., and myself, found out by sad experience that the Prairie Herald, as we then called it, could not be made to support two families, for we had scarcely paid current expenses. I therefore sold out to Mr. Wight, taking in payment his homestead lots on Harrison street. That winter rather than have nothing to do I remained in his office with him, working for the large sum of $1 per day. After a vacation of a few months the late John L. Scripps and myself formed a partnership and issued the first number of the Democratic Press on the 16th of September, 1852. We started on a borrowed capital of $6,000, which all disappeared from sight in about six weeks. We put in all our services and profits, and about all the money we could borrow, never drawing a cent from the firm till after the first of January, 1855. This required nerve and the using up of funds to a very considerable amount, which we had obtained from the sale of real estate; but we thought we could see future profit in the business and we worked on, never heeding discouragements for a moment. The hard times of 1857-'58, brought the Democratic Press and The Tribune together, and Dr. Ray, J. Medill, John L. Scripps, and myself, became equal partners, with Mr. Cowles as business manager. Dr. Ray and Mr. Scripps have ceased from their labors, but not till they had done most effective and, valuable work in the development and progress of Chicago. Mr. Scripps was Postmaster during Mr. Lincoln's first Administration. Both he and Dr. Ray were able and very cultivated gentlemen, and the memory of them should have a high place in the esteem and gratitude of their fellow citizens. Mr. Medill, Mr. Cowles, and myself, still stand by the old Tribune, with what efficiency and success the reading public can best judge. I should like to have an hour to pay a passing tribute to the men who gave character to Chicago in 1848, and the years that followed. To Thomas Richmond still with us; to John P. Chapin, Charles Walker and Captain Bristol, heavy dealers on Water street; to Judge Giles Spring, Judge George Manierre, S. Lisle Smith, William H. Brown, George W. Meeker, Daniel Mcllroy, James H. Collins, and others of the Bench and Bar; to Drs. Maxwell, Egan and Brainard; to Editors Dick Wilson, T. A. Stewart, John E. Wheeler, and James F. Ballantyne, as well as to Ray and Scripps; to the Rev. Dr. Tucker, Parson Barlow, and perhaps several others of the clergy. I should like to speak of Mayors F. C. Sherman, James Curtiss, J. H. Woodworth, and Thomas Dyer, all of whom have been relieved of all earthly cares. Many of our oldest citizens still linger among us. Of these, Col. Gurdon S. Hubbard first came to Chicago in 1818—the year Illinois became a State. Still hale and happy, may he long bless Chicago with his presence. Of our ex-Mayors previous to 1860, William B. Ogden, the first, Buckner S. Morris, B. W. Raymond, Walter S. Gurnee, Charles M. Gray, Isaac L. Milliken, Levi D. Boone, John Wentworth, and John C. Haines, are still living. Of the clergy we have still the Rev. Dr. R. W. Patterson, "whose praise," like one of old, "is in all the churches." Of our leading citizens we have still a host, almost too numerous to mention. The names of Jerome Beecher, Gen. Webster, Timothy and Walter Wright, S. B. Cobb, Orrington Lunt, Philo Carpenter, Frederick and Nelson Tuttle, Peter L. Yoe, C. N. Holden, Charles L. and John Wilson, E. H. Haddock, E. D. Taylor, Judge J. D. Caton, J. Y. Scammon, Grant Goodrich, E. B. and Mancel Talcott, Mahlon D. Ogden, E. H. Sheldon, Mat. Laflin, James H. Reese, C. H. McCormick and brothers, P. W. Gates, A. Pierce, T. B. Carter, Gen. S. L. Brown, Peter Page, William Locke, Buckner S. Morris, Capt. Bates, and many others, will at once recur to our older citizens. Some of these gentlemen were not quite so full of purse when they came here as now. Standing in the parlor of the Merchants' Savings, Loan and Trust Company, five or six years ago, talking with the President, Sol. A. Smith, E. H. Haddock, Dr. Foster, and perhaps two or three others, in came Mr. Cobb, smiling and rubbing his hands in the greatest glee. "Well, what makes you so happy?" said one. "O," said Cobb, "this is the 1st day of June, the anniversary of my arrival in Chicago in 1833." "Yes," said Haddock, "the first time I saw you, Cobb, you were bossing a lot of Hoosiers weatherboarding a shanty-tavern for Jim Kinzie." "Well," Cobb retorted, in the best of humor, you needn't put on any airs, for the first time I saw you, you were shingling an out-house." Jokes and early reminiscences were then in order. It transpired that our solid President of the South Side Horse Railway left Montpelier, Vt., with $40 in his pocket, but by some mishap when he reached Buffalo he had only $9 left. This was exactly the fare on the schooner to Chicago, but the Captain told him he might buy some provisions, and if he would make no trouble and sleep on deck the boy could come to Chicago for what was left. Cobb got some sheeting, which some lady fellow-passengers sewed up for him, and he filled it with shavings, and this made his bed on deck. He got a ham, had it boiled, bought some bread, and, thus equipped and provisioned, he set sail for Chicago. There was then no entrance to the Chicago River, and the vessel anchored outside, a long way out, and the cabin passengers went ashore with the Captain in a Mackinaw boat. A storm springing up, the mate lay off for three days between Michigan City and Waukegan. When the vessel returned, a cabin passenger, who had returned for baggage, was surprised to find Cobb still aboard. Cobb told him the Captain had gone back on him, and would not let him go ashore without the other $3, and what to do he did not know. The gentleman lent him the $3, and Cobb gladly came ashore. Though he knew nothing of the carpenter's trade, he accepted a situation to boss some Hoosiers, who were at work on Mr. Kinzie's excuse for a hotel, at $2.75 per day, and soon paid his friend. From that time to this he has seldom borrowed any money. Mr. Haddock also came to Chicago, I think, as a small grocer, and now these gentlemen are numbered among our millionaires. Young men, the means by which they have achieved success are exceedingly simple. They have sternly avoided all mere speculation; they have attended closely to legitimate business and invested any accumulating surplus in real estate. Go ye and do likewise, and your success will be equally sure. Having seen Chicago in 1848 with no railways, no pavements, no sewers, scarcely an apology for water-works—a mere city of shanties, built on the black prairie, soil-the temptation to imagine for her a magnificent future is almost irresistible. I beg leave with characteristic Chicago modesty to refer to a prophecy which I ventured to make in 1854. I had just written and published the first exhaustive account of our railway system, followed by a history—the first also— of the city. In the closing paragraph I had the following sentences: The city had then not quite completed the seventeenth year of its existence, and I ask: "What will the next seventeen years accomplish? We are now (1854) in direct railroad connection with all the Atlantic cities from Portland to Baltimore. Five, at most eight, years will extend the circle to New Orleans. By that time also we shall shake hands with the rich copper and iron mines of Lake Superior, both by canal and railroad, and long ere another seventeen years have passed away we shall have a great national railroad from Chicago to Puget's Sound, with a branch to San Francisco." By the time the building of the road was fairly undertaken, San Francisco had grown so largely in wealth and population that the main line was forced to that city. But in June, 1869, two years before the thirty-four years in the life of the city had passed away, I rode from Chicago to Sacramento with my good friend George M. Pullman in one of his splendid palace cars, with a dining car attached, and no one could possibly fare better than we did on the entire trip. Another line was open from Sacramento to Vallejo nearly right across the bay from the City of the Golden Gate, so that practically the prophecy was literally fulfilled. Perhaps it was only a fortunate guess, and as I was educated in New England, you will permit me to guess again, and to bound the city for you on the nation's second Centennial, viz., on the 4th of July, 1976. I think the north line will probably begin on the lake shore half way between Evanston and Winnetka, and run due west to a point at least a mile west of Aux Plaines River; thence due south to an east and a west line that will include Blue Island, and thence southeast from Blue Island to the Indiana State line, and thence on that line to Lake Michigan. With my eye upon the vast country tributary to the city, I estimate that Chicago will then contain at least 3,000,000 of people, and I would sooner say 4,000,000 than any less than 3,000,000. I base my opinions on the fact that the gastronomic argument controls mankind. Men will go and live where they can get the most and the best food for the least labor. In this respect what city in the world can compete with Chicago? And I also assume that the nation for the next, hundred years will remain one united, free and happy people. But, gentlemen, in order to realize the magnificent destiny which Providence seems to have marked out for our city, permit me to say, in conclusion, that the moral and religious welfare of the city must be carefully guarded and promoted. Philo Carpenter (still among us) and Capt. Johnson established the first Sunday-school here July 30, 1832, and the Rev. Jeremiah Porter (also still living) organized and became pastor of the First Presbyterian Church (now Dr. Mitchell's) on the 26th of June, 1833. Brave old Jesse Walker, the pioneer Methodist, also preached sound doctrine in the earliest years of the Town of Chicago. All other denominations were also on the ground early, and through all her former history our people seemed as active and earnest in religious efforts as they were enterprising and successful in mercantile and other business. Let all our churches address themselves earnestly, faithfully, to the work of moralizing, if you please converting, the people, working as their Divine Master would have them work; let respectable men, honest men, and especially religious men, go to the polls, and banish from places of trust and power those who are stealing their substance and corrupting, aye even poisoning, the very life blood of the city; let us all, my friends, do our whole duty as citizens and as men, ever acting upon the Divine maxims that "Righteousness exalteth a nation," that "Godliness is profitable for all things," and with God's blessing Chicago, as in the past so in the future, shall far outstrip in wealth, population and power all the anticipations of her most enthusiastic and sanguine citizens. MAYORS OF THE CITY OF CHICAGO. City Incorporated March, 1837. 1837 William B. Ogden. 1838 Buckner S. Morris. 1839 Benj. W. Raymond. 1840 Alexander Loyd. 1841 Francis C. Sherman. 1842 Benj. W. Raymonds. 1843 Augustus Garrett. 1844 Alanson S. Sherman. 1845 Augustus Garrett. 1846 John P. Chapin. 1847 James Curtiss. 1848 Jas. H. Woodworth. 1849 Jas. H. Woodworth. 1850 James Curtiss. 1851 Walter S. Gurnee. 1852 Walter S. Gurnee. 1853 Charles M. Gray. 1854 Isaac L. Milliken. 1855 Levi D. Boone. 1856 Thomas Dyer. 1857 John Wentworth. 1858 John C. Haines. 1859 John C. Haines. 1860 John Wentworth. 1861 Julian S. Rumsey. 1862 Francis C. Sherman. 1864 Francis C. Sherman. 1865 John B. Rice. 1867 John B. Rice. 1869 Roswell B. Mason. 1871 Joseph Medill. 1873 Harvev D. Colvin. 1876 Harvey D. Colvin. POPULATION OF CHICAGO. 1835 3,265 1836 3,820 1837 4,179 1838 4,000 1839 4,200 1840 4,479 1841 5,752 1842 6,248 1843 7,580 1844 8,000 1845 12,088 1846 14,169 1847 16,859 1848 20,023 1849 23,047 1850 28,269 1851 34,437 1852 38,733 1853 60,652 1854 65,872 1855 80,028 1856 84,113 1857 93,000 1858 90,000 1859 95,000 1860 112,172 1861 120,000 1862 138,835 1863 160,000 1864 169,353 1865 178,900 1866 200,418 1867 220,000 1868 252,054 1869 273,043 1870 298,977 1872 364,377 1874 395,408 1876 (est) 450,000 1885, (estimated by Jno. S. Wright), 1,000,000. 1911, (estimated by J. N. Balestier), 2,000,000. 1976, (estimated by Wm. Bross), 3 to 4,000,000. CONCLUSION. The history of Chicago from 1850 to 1876 remains to be written. I have most of the materials, but fear I shall not have the time and the patience to put them together. Somebody should do it, for such a work would show a more astonishing progress than has ever been realized by any other city in the history of the world. I respectfully commit this little volume to my fellow-citizens as my contribution to the facts, that should be stored away in our libraries in this Centennial year, with the hope that they may in some way interest and perhaps benefit those who are to come after us. Additional Comments: HISTORY OF CHICAGO. HISTORICAL AND COMMERCIAL STATISTICS, SKETCHES, Facts and Figures, REPUBLISHED FROM THE "DAILY DEMOCRATIC PRESS." What I Remember of Early Chicago; A LECTURE, DELIVERED IN McCORMICK'S HALL, JANUARY 23, 1876, (Tribune, January 24th,) By WILLIAM BROSS, Ex-Lieut. Governor of Illinois. CHICAGO: JANSEN, MCCLURG & Co., BOOKSELLERS, PUBLISHERS, ETC. 1876 File at: http://files.usgwarchives.net/il/cook/history/1876/historyo/historyo101nms.txt This file has been created by a form at http://www.genrecords.net/ilfiles/ File size: 94.5 Kb