"Success in life depends more upon forming habits than upon anything else, except good health. I could name two or three friends of my own, men of high intelligence, admirable humor, undiminished zeal, who have failed, and will fail to realize their possibilities, simply by a lack of method. Who does not know men who, up to age forty, their friends say that they could do anything if they would only choose, and after the age of forty that they could have done anything if they had chosen?"    A. C. Benson.