I don't know, do you?

Ralph Washburn Chainey is only forty-two, and as great an example of thrift as Ben Franklin was. Very early in life he acquired the habit of thrift—which is the basis of all virtues. He learned early that time was money and he is always at work. He is not only able to take care of himself, but he can and does take care of others. He is sufficient unto himself, and when one is right with himself he is right with all the world. I have known him intimately for more than a quarter of a century, and if he has faults I have yet to learn what they are.