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Concretely, what I most realized about business in that year--and I have been learning more each year without finding it necessary to change my first conclusions--is this: (1) That finance is given a place ahead of work and therefore tends to kill the work and destroy the fundamental of service. (2) That thinking first of money instead of work brings on fear of failure and this fear blocks every avenue of business--it makes a man afraid of competition, of changing his methods, or of doing anything which might change his condition. (3) That the way is clear for any one who thinks first of service--of doing the work in the best possible way.