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295 aCKNoWledGMeNtS The author is grateful for the discerning editorial eye of Pieter Martin, and the guidance of Kristian Tvedten and Laura Westlund of the University of Minnesota Press; copy editor Jean Brady and proofreader Robert frame; Margaret Bresnahan for help at the Morgan Library in New York; Paul Olson and Michael Haeg for valuable insights at an early draft stage; Marschall Smith for saving me from not a few embarrassing errors; Wendy Robson for compiling the index; and the staffs of the Wilson Library at the University of Minnesota, the Minnesota Historical Society, and the St. Paul Public Library. At Wells fargo & Company, I am especially indebted to John Stumpf and Dick Kovacevich , for leading with integrity and framing every business decision based on what is best for the customer. Most important, here’s to my wife, Mary, for her patient support and careful reading of the manuscript at several stages, and let’s hear it for the next generation of young readers, including our grandchildren Adele, Atticus, Dexter, Evelyn, fritz Nico, Theodore, and Penelope. ...

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