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POSTCARD FROM MIDTOWN

Dear ArchitectureWeek,

'If you have to ask how much it costs, you can't afford it.' This was said to be J. P. Morgan's view of yachting. A 19th-century financier and predecessor of sorts to the Federal Reserve Bank, Morgan became commodore of the New York Yacht Club in 1897. His wealth is reflected in the interiors of the clubhouse he commissioned four years later.

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