Various factors--religious, artistic, and commercial--contributed to this movement toward embellishment. The growing wealth, at times, and the higher standards of civilization at certain stages of the Middle Ages created new demands for illuminated and embellished manuscripts. There were manuscripts with representations in water-colors in the lower margin; little pictures were inserted into the text of books; and initial letters of books or of their chapters not only reflected the writer's artistic accomplishments but also served as expository teaching upon the text itself. Of early achievements in this direction, Professor Dobschütz tells us that there were examples of sumptuous books of finest parchment in which the text was not only written in gold and silver letters but with margins covered with beautiful paintings, as in the "_Beatus_" manuscript, and cites as a conspicuous example, "A copy of Genesis in Greek at the Vienna library has forty-eight water-colors, one at the bottom of each page, telling the same story as the text.... And this manuscript does not stand alone; it is but one of a large group of illuminated manuscripts. This sumptuous appearance may be taken as a sign of the value attached to the Bible. Persecuted hitherto, it became the ruler of the Christian empire, invested with all the glory of royalty."[22] It has been said concerning _manuscript_ books that "the missals and office books, and the prayer books made for royal personages at this time" (during the thirteenth century) "are yet counted among the best examples of book-making the world has ever seen." Of a rare and very valuable collection of books and manuscripts assembled by the late Mr. J. P. Morgan under the discriminating and painstaking direction of a Columbia University professor, a writer in a New York daily says: "Massive jeweled manuscript covers, a thousand and more years old, are there, and marvelous hand-illuminated manuscripts, their gorgeous colorings and exquisite workmanship, the result of years of toil by ancient monks and mediæval artists. Many of them were once the dearest pride and delight of kings and emperors and popes. Only potentates such as these could command the services of the men who produced most of the collection."