Introductory lecture: Higher commercial education, by J. L. Laughlin.--Railways: Railway management and operation, by A. W. Sullivan. Railway mail service, a historical sketch by G. G. Tunell. Railways as factors in industrial development, by L Jackson. Some railway problems, by P. Morton. Railway consolidation, by E. D. Kenna.--Trade and industry: The steel industry, by F. H. Head. The history of the art of forging, by H. F. J. Porter. The commercial value of advertising by J. L. Mahin. At wholesale, by A. C. Bartlett. The credit department of modern business, by D. A. Kimball.--Banking and insurance: The comptroller of the currency, by J. H. Eckels. The methods of banking, by J. H. Eckels. Investments, by D. R. Forgan. Foreign exchange, by H. K. Brooks. Fire insurance, by A. F. Dean