"In the judgment of lawyers who have examined the facts of the disaster in recent years, it also seems likely that had the damage cases been conducted according to today's standards the club and several of its members would have lost. It is even conceivable that some of those immense Pittsburgh fortunes would have been reduced to almost nothing. What the repercussions of that might have been is interesting to speculate. Possibly it would have delayed, perhaps even altered significantly, the nation's industrial growth." -The Johnstown Flood, David McCullough, 259.