QUOTE : Some people get along beautifully, for half a lifetime, perhaps, while everything goes smoothly. While they are accumulating property and gaining friends and reputation, their characters seem to be strong and well-balanced; but the moment there is friction anywhere,—the moment trouble comes, a failure in business, a panic, or a great crisis in which they lose their all,—they are overwhelmed. They despair, lose heart, courage, faith, hope, and power to try again,—everything. Their very manhood or womanhood is swallowed up by a mere material loss.