FDR has been quoted as saying he got the phrase from Ct Yankee. I think Cyril Clemens may be the person who elicited this information from him. A quick key word search in the Twain's World CD would probably confirm the phrase itself, and flipping through some old MTJs might confirm the CC connection, upon which I have only my memory to rely. I think CC also published a booklet on "Twain and FDR" and I have a copy but no time to dig it out this moment. Kevin Mac Donnell Austin TX