It is my opinion, the trauma of the of the 1918 Pandemic, and the after effects of the recession which followed WWI contributed to the split in 1923. In January of 1918 the new Bible school was started, with new staff and expenses. During the year the publishing ministry was expanded with new equipment, while at the same time many church members were lost to the flu, church services were canceled by the government (which at the same time was investigating the COG for its members not going to war teaching), and the General Assembly had to be canceled. Keeping the printing ministry and the school opened fell on AJT, who used his home as the first dorm for many of the students - they lived with the Tomlinson and ate at their table. Some of the students did fall sick of the flu, with one dying. Though not reported widely, AJT's young granddaughter (Thelma Hughes) died of the flu in April of that year. Reduced income, greater expense due to expansion, a building in Harriman, TN that was going unused, and great personal sacrifice due to housing the students had a greater effect on AJT then some historians fail to recognized. Following the end of the pandemic and the war, COG begin new ministries, such as the orphanage and the building of a new church/tabernacle in Cleveland. The publishing house was expanded to accommodate the Bible school. This may have led to the terrible change in the financial system where all local tithes where sent to Cleveland, and in turn a committee of seven (which may have never operated) was to send money out based on need and effectiveness.This led to financial shortages, for funding all the ministries going on in Cleveland. AJT made the mistake of moving money around to keep everything up and running. In the end it was, in my opinion, over expansion, the lack of money and AJT being too personality invested in the continued operation of the church. For those who opposed AJT, the use of an incomplete audit and the claims he profited personally led to the split of 1923 (both claims were proven wrong in court). It was the COG who engaged in the lawsuits against AJT following the split (didn't someone say, the COG has never lost a church building), and I have always felt AJT's belief in not taking your brother to court failed him. He should of gotten lawyer-ed up like the COG did.His since of believing he was called by God to lead the COG has its roots in the many personal sacrifices and vision he cast to get build the organization. Also, there were those false prophets in the assembly (1914) who stood up and said AJT should be GO for life. So pastors and leaders, what will you sacrifice to keep you local church and denomination going? After its all over, how will you react when a someone says you did not wrong and its time for you to go?