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Rh compared with 382 people for the United States as a whole, showing that the railroads have been doing their share in the development of this region. The banking capital, from such figures as I have been able to obtain, is $33.88 per person for all classes of banks in the Northwest, and $18.00 for national banks only, as compared with $45.28 for all classes of banks and $18.98 per person far national banking capital for the whole country. The deposits in our banks are $941,935,000—not quite 5 per cent of the total deposits in the United States of $19,663,857,000; and the deposit per capita in our part of the country is $164.00 against $214.00 in the United States as a whole. What a chance here for growth

I have spoken of agriculture as the first of the great agencies the success of which is so vital to all, and in agriculture I include all forms of activity engaged in by the farmer. It is true that in Minnesota, Montana, Washington, Idaho, and Oregon lumbering is, and in the last four states for a considerable time will continue to be, a most important part of Rh