THE shipping business in the United States, to a large extent, has been developed by Scotsmen; not alone transatlantic commerce, but that with the British dominions and other countries. One of the leading spirits in developing the trade with Australia and New Zealand is Charles Kydd, a member of R. W. Cameron & Co., New York.

Mr. Kydd was born in Forfar, Scotland, January 17, 1847, the son of Alexander and Ann Ormond Kydd. He was educated in the schools of Forfar and Edinburgh, and acquired his early business training in the National Bank of Scotland, beginning as a clerk in 1863, and in the Bank of British North America, where he secured employment in 1873. He came to the United States in 1870. After leaving the Bank of British North America, 1874, he connected himself with the house of R. W. Cameron & Co., Australian merchants, of which firm he has been a partner for more than twenty years. He has taken an active part in the building up of commercial relations between America and Australia, New Zealand and South Africa. He is a director and member of the Executive Committee of the United States and Australasian Steam-ship Co., New York. Mr. Kydd attributes his success solely to persistent application to business and patient effort to improve every opportunity— that success in any line can be attained only by hard work and intelligent preparation for larger usefulness.