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OUT OF THE PHILADELPHIA COFFEEPOT

Opening Remarks

by
Karl R. Bopp, President
Federal Reserve Bank of Philadelphia
9:00 a.m., Monday, May 6, 1963

1963 Conference of Personnel Officers
of the Federal Reserve System

May 6, 7» and 8, 1963
Federal Reserve Bank of Philadelphia

OUT OF THE PHILADELPHIA COFFEEPOT
By Karl R. Bopp

It is a great pleasure to welcome you, the members of the Personnel
Conference of the Federal Reserve System, your associates, and guests to the
Federal Reserve Bank of Philadelphia.

I must warn you that it is incumbent upon

me at the outset to report that some things have changed since I corresponded
with Fred Smedley about this Conference.
revealed in our correspondence.

The circumstances at that time are

Here are the relevant quotations:

Fred's letter of January 3« 1963 to Karl:
I am writing to you in your dual capacity as Chairman of the Com­
mittee on Personnel of the Conference of Presidents and President of the
host bank for the 1963 System Conference of Personnel Officers.
We are aware of your long-standing interest in personnel administra­
tion and we would like very much to have you address the Conference on a
subject of your choice.
Karl's letter of January 7, 1963 to Fred:
As "Lord High Everything Else," I agree with the dates of May 6 to 8
for the meeting of the 1963 System Conference of Personnel Officers. As
Private Secretary of the City (i.e., President of the host Bank), I do so
with the recommendation "not to stint myself" to make the occasion altogether
enjoyable. You appreciate, of course, that as "Chancellor of the Exchequer,"
Pooh-Bah (Chairman of the Personnel Committee of the Conference of Presidents)
is bound to see that "due economy is observed."

I shall also be happy to check with THE M1KAV0 as to a capacity in
which it will be appropriate for me to address the Conference. He has
already given me the preliminary injunction not to accept any specific
title for my remarks. Hopefully, they will be appropriate without a title.
How circumstances have changed in a few short months!

Now, as you all

know, I am no longer Chairman of the Presidents' Conference Committee on Person­
nel.

In real life Pooh-Bah has been executed!

iny volition.

This change in status was not of

If, however, there must be a reason for everything that happens,

there is a certain poetic justice in the change.

If you explore the rationale

behind it, you might conclude:
1.

There is a certain amount of luck in all our lives — and, as
will become apparent as we go along, I have never had much luck
in personnel.




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2.

The change was made by my peers to warn you clearly and
specifically not to take too seriously anything that I might
have to say.

3-

The tempting assumption that: "If only I were president,
things would go my way — or else," may have to be — well,
qualified a little bit.
Before you rejoice too completely in this change, you should consider

that many things happen in the Federal Reserve System that have not been predicted
and, indeed, are difficult to explain.

You never can tell; I might be back!

It is customary to welcome groups by saying how important they are.
I have just done this again 1

I am sure we have shared the experience of receiving

welcomes that, somehow, were hollow, that left us feeling unimportant.
You, however, are personnel men.

You know the elementary truth that

in a first-class organization every job is indispensable.

The responsibility

of the job may be large or small; the talents required to perform it may be
scarce or plentiful; but every function that is in fact performed should be
necessary.

I believe that the Federal Reserve System is a first-class institu­

tion; and I enjoy the opportunity to welcome representatives of every one of
its functions to meet here in Philadelphia.
I happen to have particular reasons to be acutely aware of the
importance of the personnel function.
which I entered the Federal Reserve.

First of all, it is the door through
During the summers of 19^0 and 19^1

I participated with Canby Balderston and Bill Newman in studies of Executive
1
Compensation and Executive Development for the Chairmen of the Federal Reserve
Banks under the initiative of Tom McCabe.

It was as a result of these studies

that A1 Williams and Tom McCabe asked me to join the Federal Reserve Bank of
Philadelphia.

My job?

Personnel Director!

I started to work on September 15, 19^1»

Even before the Japs attacked

Pearl Harbor in December, I was acutely aware that I was a square peg in a round




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hole.

3

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I went through the torturing agonies of one who feels himself a failure.

My feelings were all the more acute because I had come to the Bank as —
I won't say a cocky or arrogant, but —

a self-confident young man.

Nothing

had ever really challenged me before; now, suddenly, I was overwhelmed!
I bared my soul to A1 Williams and told him I thought I should resign
and return to teaching.

Although he was willing to facilitate such a transfer,

he preferred to redeem me as a continuing member of the Bank staff.

He brought

in Bob Hilkert and transferred me to Research.
My reason for recounting this bit of autobiography is to indicate the
origin of a bias that permeates my whole approach to personnel policy and human
relationships.

What impressed me was that though I felt myself a failure, every­

one was doing his best to make me succeed!

Leading them in this effort was A1

Williams, who would not take the easy way out by permitting me to resign but who
counseled and worked to develop me.

Then there was Cas Sienkiewicz who accepted

me in research even though I might become a problem for him.

Then Bob Hilkert

assured me that I had done nothing as Personnel Director that he had to undo.
Beyond these the Bank seemed to be filled with individuals at all ranks who
somehow felt that something was wrong but who did their level best to make it
right.

Few kicked me while I was down; almost all tried to help me back on my feet.
You appreciate that this experience changed my perspective; gave new

meaning to what I had read.

It cut me down to size.

It confirmed a view, in­

herited from and demonstrated by my parents, that nobility of purpose is
independent of station in life.

It demonstrated that, within wide limits, the

members of an institution can create their own environment in which they earn
their living.

It suggested that, if only we can bring ourselves to have faith

in our colleagues, they will rarely "let us down," and are much more apt to
surprise us with the quality of their performance.
colleagues.




It gave me confidence in my

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You should also know that for many years Bob Hilkert and I have spent
about a half hour over coffee every morning that we are both in the Bank, talking
about whatever concerns us.

It should not surprise you to learn that we talk

most about the Federal Reserve, especially the people who now are the Federal
Reserve Bank of Philadelphia and who will make it a better Bank in the future.
Our backgrounds and experience had much in common when we first met.
Both of us came from teaching. Now, the real measure of a teacher is not what
he does but what his students do.

We brought that feeling with us to the Bank

and continue to derive our deepest satisfactions from the achievements of the
staff.

I may be sentimental, but it gives me a real thrill to see the masterful

jobs that the senior officers are doing, the obvious enjoyment they derive from
doing it, and then reflect that I may have had a little something to do with
their achievements.
this.

I confess

there is more than a tinge of selfishness in

So long as the senior officers perform like top professionals, my own job

is secure, except for a few not unimportant duties that the president of a Federal
Reserve Bank cannot delegate.

Bob and I fully expect to pass our final test by

seeing our own positions filled by promotions from within and seeing the Bank
move forward to greater achievement under our successors.
We have shaped and molded each others habits of thought so thoroughly
during two decades of intimate discussion that I can no longer separate what is
mine from what is his in our ideas.

In fact, I shall steal liberally and without

acknowledgment from him in what I have to say.

I do this without embarrassment

because both of us are interested in real people and real problems, not in scoring
points on each other.

Those of you who know this Bank at all will appreciate that

Bob actually does most of the things I shall say we do.

He is the consummate

master of personnel administration.
I find it useful, though a bit arbitrary, to divide a personnel program




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into two basic parts.

The first is a set of principles as to the nature of

individuals, the relationships that one believes should exist among the members
of a staff and with the institution.

The second part consists of procedures

and methods by which the appropriate relationships are developed and maintained.
The first part is essentially philosophical and ethical in character; the second
part is primarily scientific.

The art of personnel administration is to fuse

these two elements. Ideally they should be integrated as inseparably as the atoms
of a molecule; there is, however, a hazard that one part or the other will be
taken for the whole.
In the days before job descriptions, job evaluation,

labor market

surveys, and formal training programs, little science was applied to personnel
administration.

It is important to keep in mind that these methods and procedures

were developed to implement basic philosophies by forward-looking executives.
But that was so long ago that inertia has developed in some places, and such
technical aspects have taken on an independent life of their own.

I have a

suspicion that some managements behave as though they believe that formal programs
and scientific gadgetry will give them the correct answers to their problems with­
out reference to ultimate principles and real implications.

In short, what started

out as a means to an end has tended to become an end in itself.
It is because of this suspicion and because a real contribution to the
scientific aspects of our problem presupposes an expertise that is clearly beyond
my capacity that I shall concentrate on the first element that I mentioned because
it seems to me not only equally important but also relatively more neglected in
these later days.
Do not misunderstand me.

The scientific aspects are enormously important

and I am delighted to see that you are going to discuss such important problems as
extrapolation for higher salary ranges and measurements of people.
do have the problem of manning the shop.



After all we

This may involve consideration of

-6 -

scarcities of particular skills at any given moment as well as comparative
“inherent" difficulties of jobs.

I regret particularly that I must be in

Washington when you will be discussing systematic grievance procedures tomorrow.
Every management likes to believe that its organization is "a good place in which
to work."

We believe that is true here.

But the history of institutions records

too many cases of serious error in that judgment for us to be complacent.
The burden of my message is not that techniques are unimportant but
rather that mastery of them will contribute immeasurably more to the solution
of our real problems if application is motivated by empathy, a respect for the
individual, and a passionate desire for equity.
Let us begin, then, with our conception of the nature of the individual.
The outstanding characteristic of individuals, of course, is that each is unique.
We consider it our function to seize the opportunities that this diversity provides
in creating an institution that exposes the strengths of its members and submerges
their weaknesses even as we attempt to promote improvement in all respects.

Since

we are not paragons ourselves, we do not demand perfection in others though we
strive for that goal.

In baseball it is not necessary that a 20 game winner be

also a .400 hitter before he can make the team —

or even be a star performer.

With us, it is not necessary to be a Ph.D. in economics to be vice president in
charge of data processing or collections.

But just as a championship baseball

team needs good hitters and fielders as well as good pitchers who play as a team,
so we strive to develop a strong team with each man playing the position that is
correct for him and the team.
This approach, as well as our size, may help explain why we have not
developed a formal system of rotation.
enlarges opportunities and ambitions.

We appreciate that variety of experience
And we do move people from time to time.

But each move is made with reference to particular individuals and in the light
of all the surrounding circumstances.




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This approach is based on experience acquired during my brief tour in
personnel.

I remember that I analyzed the experience of all supervisors who

were considered of exceptional capacity by their peers.

I was shocked to find

that some of them had held the same position for more than a decade.

I remember

being determined to "do something” about that. I even negotiated a few transfers.
You can imagine my surprise when some of these individuals asked to be returned to
their former positions!

Why?

For many reasons.

I would be the first to admit

that one of the reasons was that some had been in the same job too long to
change.

But this was not the only reason.

Some had achieved the peak of their

performance in the light of their inherent capabilities.

They preferred success

in the job they held to the risk of failure in another —

possibly more

responsible job.
I must confess that this problem continues to trouble me because a
number of basic principles that I accept point to different answers when applied
to the facts of a given situation.

One of these principles is that an institution

gains strength and efficiency to the extent that it affords each member a maximum
opportunity for self-fulfillment.

A second principle is that variety of experience

enlarges opportunities and ambitions.
the practice of rotation is based.

This, of course, is the principle on which

The fact on which these two principles

sometimes clash is that some individuals fulfill themselves short of occupying
the top job.

Now, a moment's reflection will demonstrate that life is tolerable

only because this fact is indeed true.

How would you feel if everybody on your

staff wanted your job and felt himself qualified to handle it?

No, life is

tolerable for those in responsible positions in part because few really envy them.
Life would be more enjoyable if everyone had a realistic comprehension of his own
capabilities; but even under these ideal circumstances, the inherent conflict
would remain.




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Do you promote an individual even though it is your considered
judgment that, unless there is a Pauline conversion, this will be his last
move —

or do you invariably fill the vacancy with individuals who have greater

probability of still further development?
I do not believe that the old Navy principle of "up or out" is
applicable to the Federal Reserve Bank of Philadelphia.

We gain strength by

having a substantial core of department heads and junior officers of long
experience who have reached and are continuing to perform at the peak of their
abilities and derive satisfaction from doing so.
I became convinced of another characteristic of the individual early
in my career as a teacher.
himself.
foster,

It is simply that every individual must educate

The university, especially the faculty, has a responsibility to create,
and develop an environment in which it is exciting and significant to

learn, to understand, and to comprehend.

But the student has to do the educating.

I feel equally strongly that every man has to train himself, has to do his own
growing.

It is the responsibility of management to foster an environment in

which members can grow.
Obviously not all individuals have equal capacity to grow.

It is

critically important, therefore, to select the right individuals if the institu­
tion is to develop far beyond the capacities of its current management —
is our ambition.

There are no sure-fire methods of selection.

which

I do not wish to

create the impression that Bob and I feel we have found a litmus that we can apply
to an individual to determine his capacity for growth.

We have, however, devoted

countless hard hours to the problem because of its importance both to the future
of the Bank and to the lives of every individual on its staff.
We have developed and distributed to all officers a little check list
of the factors we consider in appraising an officer.




We feel this document is a

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useful tool in encouraging and facilitating self-appraisal by each officer.
Fortunately, our corps of officers is small enough so that we know a good deal
about the performance, strengths, and weaknesses of most of them.

This, as you

can imagine, is the most important and most frequent topic of our conversations
over coffee.

This means, in turn, that we have the great advantage of being able

to operate with a minimum of formalities.

For example, we do not have a regular

periodic review with each officer concerning his strengths and weaknesses.
A weakness is important when it results in poor performance.

Improve­

ment is most likely to result if it can be discussed as soon as possible after
a specific performance has demonstrated existence of the weakness, when the
point at issue is still alive, the surrounding circumstances are still fresh in
memory and the discussion has meaning.

A sense of urgency and involvement may

well be lost if discussion is deferred, perhaps for months, until the next
annual review.
Our view is that development of the official staff is a continuous
not a periodic process.

Strong points are buttressed and shortcomings are

mitigated most effectively on "live work" as it is being performed.
Of course this takes time, a lot of time, and at inconvenient times;
but of all the hours we spend, we consider these the most productive.
What characteristics do we seek in those who will carry on after we
are gone?

I shall steal generously from Bob in what I have to say.
First, we seek technical competence, a term which covers more territory

than appears at first blush.
specialized fields.
right."

The executive is usually competent in one or more

In the plying of his own profession he is "good in his own

In the heading of an organization, however, he demonstrates his recogni­

tion of his own strengths and limitations.

He realizes that the organization is

too complex for him to be able to excel in all the fields which enter into the




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business.

Therefore, he selects and trains capable subordinates, and really

delegates.

His big task is in the field of planning and coordinating and

controlling the activities which comprise the business.

This is all part of

technical competence.
Second, we seek a broad, intellectual outlook. I cite two extremes
to illustrate what I have in mind.

Some individuals limit their serious reading

to matters they "need to know," if I may borrow a phrase from the classification
of documents for security purposes.
this would be —

To illustrate from your own speciality,

an obviously non-existent —

hypothetical personnel officer who

would not read anything about the Civil Service because "thank goodness, Reserve
Bank employees are not under Civil Service" or about unionism because "thank
goodness, we are not unionized."
Such an individual may have all the answers to past questions but he
does not even know what questions to ask about the unknown future, to say nothing
about answers.

At the other extreme are those whose curiosity is unbounded.

They

read not only in their own specialty but widely in the whole dramatic experience
of mankind.

Such study need not, of course, be haphazardl

At this extreme are

those whom John Stuart Mill called "capable and cultivated human beings."
Third, the leader should have a highly developed sense of honor. You
may point to cynics who have acquired great wealth and power.

But they are

"lesser men" and are so regarded by all clear-thinking individuals.

The real

leader is motivated and guided by moral and spiritual values.
Fourth, he should be concerned for the public interest. The corpora­
tion executive whose pholosophy is "the public be damned" is today a rare bird.
In the first place, it simply is not a workable philosophy in this day and age —
if in any age.

More important, however, is that the business leader today thinks

and works in the public interest because he feels it is right to do so.




The days

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of the publicly irresponsible executive are, if not over, at least numbered.
Fifth, we seek skill in human relationships. The great problems of
the age —

international, national, and corporate —

tionships of people.

have to do with the rela­

There can be no peace among nations, no political peace

at home, no industrial peace, without the cooperation and collaboration of men
of good will.

Securing the cooperation of men of diverse interests requires

the exercise of the highest kind of social skill.

It is the skill which,

perhaps more than others, is the distinguishing characteristic of the business
leader.

This skill, however, is almost certainly impossible of attainment unless

it rests upon a foundation of the other qualities and accomplishments which I
have enumerated.
It was Robert Browning who wrote:
exceed his grasp."

"Ah, but a man’s reach should

In that spirit permit me to close with a statement of —

not the achievements but —
Bank of Philadelphia.

the ambition Bob and I have for the Federal Reserve

It is to create a working climate in which —

(a) Each member of the staff is and feels himself a necessary
and therefore important part of the Bank.
(b) Each individual derives deep satisfaction from contributing
all within his power to the services we render.
(c) Each individual is rewarded in proportion to his contribu­
tion to those services.
(d) Supervisors at all levels want their subordinates to make
good, help them make good, and rejoice with them when they
do.
(e) The Bank is prepared to achieve ever higher goals in the
future despite the mortality of every individual in it.




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