His good friend Mark Twain dubbed him ';St. Andrew.' British Prime Minister William Gladstone called him an ';example' for the wealthy. Such terms seldom apply to multimillionaires. But Andrew Carnegie was no run-of-the-mill steel magnate. At age 13 and full of dreams, he sailed from his native Dunfermline, Scotland, to America. The story of his success begins with a $1.20-a-week job at a bobbin factory. By the end of his life, he had amassed an unprecedented fortuneand given away more than 90 percent of it for the good of mankind.