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Visualize a young boy named Charles growing up in the small Pennsylvania town of Loretto, surrounded by the spirit of industriousness inherent in his German immigrant family. His father, John Anthony Schwab, toiled day and night to make ends meet, instilling lessons around the value of hard work and integrity. Charlie, as he was affectionately known, displayed a prodigious talent for both numbers and music, suggesting a multi-faceted identity that would later serve him in navigating the complex world of business.