The man who is intent on making the most of his opportunities is too busy to bother about luck.

The victors of the battles of tomorrow will be those who can best harness thought to action. From office boy to statesman, the prizes will be for those who most effectively exert their brains, who take deep, earnest and studious counsel of their minds, who stamp themselves as thinkers.

Think not of yourself as the architect of your career but as the sculptor. Expect to have to do a lot of hard hammering and chiselingand scraping and polishing.

First make sure that what you aspire to accomplish is worth accomplishing, and then throw your whole vitality into it. What's worth doing is worth doing well. And to do anything well, wheter it be typing a letter or drawing up an agreement involving millions, we must give not only our hands to the doing of it, but our brains, our enthusiasm, the best - all that is in us. The task to which you dedicate yourself can never become a drudgery.

Optimism is a tonic. Pessimism is poison. Admittedly, every businessman must be realistic. He must gather facts, analyze them candidly and strive to draw logical conclusions, whether favorable or unfavorable. He must not engage in self-delusion. He must not view everything through rose-colored glasses. Granting this, the incontestable truth is that America has been built up by optimists, not by pessimists, but by men possessing courage, confidence in the nation's destiny, by men willing to adventure to shoulder risks terrifying to the timid.

Many concerns now make part or the whole of their dividends from by-products that formerly went to waste. How do we, as individuals, utilize our principal by-product? Our principal by-product is, of course, our leisure time. Many years of observation forces the conclusion that a man's success or failure in life is determined as much by how he acts during his leisure as by how he acts during his work hours. Tell me how a young man spends his evenings and I will tell you how he is likely to spend the latter part of his life.

Summer, with its dog days, its vacations, its distractions, is over. We have had our holidays, our rest, our recreation. The fall season, with its new opportunities for effort, enterprise and achievement, is upon us. Let us rip off our coats and get down to business. We may have allowed pessimism to grip us during the summer months. We may even have allowed laziness to enter our bones. Now it is up to us to throw off both lassitude and pessimism. The time has come for action, for aggressiveness.