natural advantages with like limitless opportunity. As to location, 
city sites are seldom chosen by convention, or the fittest spots favored. 
Chicagoans assert that a worse place than theirs for a city cannot be 
found on the shores of Lake Michigan. New York would be better up 
the Hudson, London in Bristol channel, and San Francisco at Carquinez 
strait. Indeed, it was by a Yankee trick that the sand-blown peninsula 
secured the principal city of the Pacific. 
It happened in this way. General Vallejo, Mexican comandante residing 
at Sonoma, upon the arrival of the new American authorities said to 
them: "Let it bear the name of my wife, Francesca, and let it be the 
commercial and political metropolis of your Pacific possessions, and I 
will give you the finest site in the world for a city, with state-house and 
residences built and ready for your free occupation." And so it was 
agreed, and the general made ready for the coming of the legislature. 
Meanwhile, to the American alcalde, who had established his rule at 
Yerba Buena, a trading hamlet in the cove opposite the island of that 
name and nucleus of the present San Francisco, came Folsom, United 
States army captain and quartermaster, to whom had been given certain 
lots of land in Yerba Buena, and said: "Why not call the town San 
Francisco, and bring hither ships which clear from various ports for San 
Francisco bay?" And so it was done; the fine plans of the Mexican 
general fell to the ground, and the name Benicia was given to what had 
been Francesca. A year or two later, with five hundred ships of the 
gold-seekers anchored off the cove, not all the men and money in the 
country could have moved the town from its ill-chosen location. 
Opportunity is much the same in various times and places, whether 
fortuitous or forced. More men make opportunity than are made by it, 
particularly among those who achieve great success. Land being 
unavailable, Venice the beautiful was built upon the water, while the 
Hollanders manage to live along the centuries below sea level. 
The builders of Chicago possessed varied abilities of a high order, not 
least among which was the faculty of working together. They realized 
at an early date that the citizens and the city are one; whatever of 
advantage they might secure to their city would be returned to them by 
their city fourfold. 
"Oh, I do love this old town!" one of them was heard to exclaim as,
returning from the station, his cab paddled through the slushy streets 
under a slushy sky. He was quite a young man, yet he had made a large 
fortune there. "It's no credit to us making money here," he added, "we 
couldn't help it." So citizenized, what should we expect if not unity of 
effort, a willingness to efface self when necessary, and with intense 
individualism to subordinate individual ideas and feelings to the public 
good? In such an atmosphere rises quickly a new city from the ashes of 
the old, or a fairy creation like the Columbian Exposition. Imagine the 
peninsula of San Francisco covered by a real city equal in beauty and 
grandeur to the Chicago sham city of 1893. 
The typical West-American city builder has money-created, not 
inherited, wealth. But possession merely is not enough; he gives. Yet 
possessing and giving are not enough; he works, constantly and 
intelligently. The power which wealth gives is often employed in 
retarding progress when the interests of the individual seem to clash 
with those of the commonwealth; it is always lessened by the absence 
of respect for its possessor. But when wealth, intelligence, honesty, and 
enthusiasm join hands with patriotism there must be progress. 
Time and place do not account for all of Chicago's phenomenal growth, 
nor do the distance from the world's centres of population and industry, 
the comparative isolation, and the evil effects of railway domination 
account wholly for San Francisco's slow growth toward the end of the 
century. For, following the several spasms of development incident to 
the ages of gold, of grain, and of fruit, and the advent of the railway 
incubus, California for a time betook herself to rest, which indeed was 
largely paralysis. Then, too, those who had come first and cleared the 
ground, laying the foundations of fortunes, were passing away, and 
their successors seemed more ready to enjoy than to create. But with 
the opening of a new century all California awoke and made such 
progress as was never made before. 
Coming to the late catastrophe, it was well that too much dependence 
was not placed on promises regarding rehabilitation made during the 
first flush of sympathy; the words were nevertheless pleasant to the ear 
at the time. The insurance companies would act promptly and    
    
		
	
	
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