I
lOUil
lust How Lloyds Takes
Queer Chances on Po
litical Results.
BLACK HAND POLICIES
1 puny Has Taken Long Shodi tor
l .vo Centuries ami Ha Nccr lie
3.. iliod on a Just Claim. I'.iiln
. .'iut Dix'n Nut Full u II. k Sonne
Ki Inronii'.
.vow York City. Tba Insurant
vsainst Mack Hand outrage and
lotsm'ii resulting lro:u the election are
not the only queer policies written by
Lloyds, the English association of
underwriters which will insure
against almost anything, providing
an adequate premium Is paid.
Lloyds baa been In the Insuring
business ever since ltiai', and there
Is no record of It ever having de
faulted on a Just claim.
Designed originally as a society
tor marine insurance and that Is
still Its principal business it has Is
sued policies against all conceivable
kinds of risks. As In the beginning
of Its career, Lloyds Is still backed
by a group of men, much more tiuni
'Tuiio than lea Urst group, and cai-li
one staud3 to lose more than d.d the
wnolu of the original group. Kach
IiK!..l.:i' oi ILn bociety niu.st uj
.crilv Cj.OOU c.n his election. Th.s
tuud makes up the reserve ng::lnst
the legitimate business of Lloy.ls
rfi:i;eiy, marine Insurance.
All the freak insurance, such us
tto policies against Black Hand 6at
rages and American eieetio.i losses,
is written by different groups or men
who are members oi Lloyds. If a
man thinks the Hlack Hand is go.ns
to blow up his store and cause, him
a loss oi lU'.UUO, he goes to the
jJoytis agency, which communicates
with the home ollice, and a group of
say, ten members will b.nd them
selves to pay $l,ul)U each In event of
loss and the policy is written.
.Nearly every stallion of import
ance on the Kentucky breed. ng farmj
u insured, some of them for as mucn
as llou.OUU. Many race horses in
training were insured until a few
years ago, wnen a succession of loss-
caused an advance of premiums to
a.ticaily a prohibitive figure. The
wuing blow came when James It.
-ne's Highball broke his leg in the
.: rurlong of a race and had to be
Proved. Highball was insured
r a very large amount.
Kaco horses and valuable poio pon.
ies are still insured, but the policies
usually only cover possible losses
while the animals are in transit. The
.angers or the race track and of the
polo field were found to bo too many
for the Insurers.
Lloyds makes a lot of money out
of the vagaries of toe veather. It
bets huge sums right along that it
is not going to rain on a certain day.
ttvery once in a while it does rain
and it pays out a pretty sum. Pro
prietors of race tracks frequently in
sure against a rainstorm on big
stake days. Halny weather will cut
ma auenaance in half, but the money
offered for the big stake must be
paid whether 10,000 or 30,000 per
sons witness the race. Recently a
suburban real estate concern which
spent 115,000 advertising an auction
sale of lots, took out a policy against
a rainstorm on the day of the sale.
Faderewskl on his concert tours,
takes out half a dozen different kinds
of insurance, accident and health,
and a separate policy on his va'ua
ble ringers. Kubellk. the violinist,
also koeps his lingers Insured on h:s
tours. Caruso and several othar
grand opera stars, carry Insurance
against colds and other maiad es
which elect only the vocal organs
Practically all the wealthy owners
of automobiles, not only insure their
machines against damage by tire,
theft, collision or other accident but
also carry liability policies. If tr.e
chauffeur run3 down and kills or In
jures anybody, the damages which
the victim gets must be paid by the
liability company.
Many business men in Britain car
ry insurance all the year round on
the life of King Kdward, as they did
tor years prior to the death of Vic
toria. Some Wail street stock speculator
make It a practice carry insurance
on the life of President Hooseveit.
because of the market upheael
which would follow the sudden death
of the head of the nation. Lloyds
will not issue its gambling policies to
everybody, it must know the man
and know that his regular business
will suffer a loss in the event of tfle
happening against wnich he Insures.
WIRELESS TALK WITH IUIXOOV
Terrestrial Station Keeps In Touch
With Aerial Motor Ship.
Berlin. Germany Wireless com
communication has been established
successfully between the motor bal
loon of an alrgh.: battalion and a
terrestrial wireless station.
Several messages were exchanged
in the course of an hour's flight.
The Prolific Rabbit,
in four years a pair of rabbltt
could have a pro-teny of nearly l,.
600,000. A doe rabbit produces ai
many as seven families a year,
IK
! BE
PHYSICIAN SAYS JELECTRIC CHAIR KILLS
Dr. Irvine Dei-hire sing Sing Kvecu
t( n l)lpute Dr. ShrnilyN Theory.
Osslnlng. N. Y. Dr. It. T. Irvine.
a ho was for seventeen years prison
physician at Sing Sing, take Ismie
with Dr. George F. Slirady, who has
b'.eri quoted as saying that there Is
i doubt In the minds of mlenttftV
tmi ns to whether a man shock.' 1
by electricity, as carrlel on by the
fate In executions, really dies. Dr.
Sl-iady says the results of autopsl--
t.eM on persons killed In this man
ner have not been convincing.
Dr. Irvine, when told of the state
ments of Dr. Shrady, sail: "I have
been present and seen slx'y four per.
sons put to death by electricity In
this State, and there is no doubt In
my mind whatsoeveer but what all
those men were absolutely killed
by the electric shock and that death
is Instantaneous. The changes pro
duced by the electric shock are such
thnt resuscitation, In my opinion, Is
absolutely Impossible. The amount
of fresh blood found In the cranium
In nil of these sixty-four cases I have
seen In Itself would preclude any
possibility of saving man. Then
you have tho patechlal hemorrhages
In the brain tissues. They change
in the structure of the blood after
the electrical shock. Any one of
these, In my opinion, would nrove
fMal, but when you have them all
In each and every case, as I have no
ticed In autopsies, death Is In mr
opinion, unquestionable."
Coroner Shrady Is quoted as say
in?: "I do not Insist that electrocu
tion, as now practiced, does not kill.
I only say that a scientific doubt ex
ists. If life exists In the hmlv nn,l
apparent death Is onlv simtiend-
cd animation, then the surgeon who
examines the body kills that man in
the autopsy and becomes the execi
ticiU'r." nr:v
mi:i.ti:i nv
BYKOX.
poem :
Arotiits Man Vi'ho S!i- t Wif
Aft'
Listening to "Dun Ju;;n."
Chicago. Quotations from Lord
r.yvon's "Don Juan," read by his
lawyer, brought about t!,c acquittal
of Martin Sihleyer, on trial in Keno
sha, Wis., o:i a charge of shootin;,
his wife.
The defense of Schleyer, as an
nounced by his attorneys, George V
Taylor and Calvin Stewart, was to
have been the "unwritten law," but
when th case came up a plea of In
sanity was made and the lurv d
elded that Schleyor was Insane when
he shot the woman, but he had re
covered his sanity. The Jury ae
quitted him.
Schleyer testified to his wife's
conduct with a man whom he had
shot at the time he shot her
When the caso came to argument
Taylor discussed local nolnts and
emotional Insanity. Stewart paid no
attention to the law, and not much
to the evidence, but declared that
Schleyer had been like the hero of
Byron s poem.
While the Jurymen brushed tears
from their cheeks, Stewart read from
Don Juan," and compared the
character of Lambro, who had re
turned only to find his home and
fireside wrecked and his children
turned against him.
District Attorney Baker had made
a bitter arraignment of Schleyer,
but Stewart had reached the hearts
of the Jurors through Byron's poetry.
Schleyer was formerly a promi
nent resident of Rochester, N. Y.
ForGHT DEVIL FISH.
Diver Killed Monster After Terrific
Submarine Duel.
San Francisco. Wrapped In tho
tentacles of a giant devil fish, Martin
Lund, a diver, fought for his life In
the hold of the wrecked steamer
Pomona, which lies In thirty feet of
water in Fort Ross Cove, off the
Mr1 tin County coast.
A tentacle four Inches in diameter
first gripped Lund's legs. Another
encircled his thigh. He began to
chop frantically at the rubber-llfce
to:ir!s and at the same time signalled
to the linr.-c above that he wished
to ascend Cnable to free hlmslf in
time two more tenacles twined
about his neck. The efforts of the
men on the surface to comply with
his signal threatened to pull his hel
met off and he was forced to signal
them to desist. With only his left
arm free he hacked at the tenacles
until they were partially crippled,
but he was bHng drawn toward the
deadly beak when he saw the outline
of the devil fish's body.
Plunging suddenly toward it he
drove his knife with all his force
Into the head, repeating the blow
until he hsd slashed It Into sections.
The dyinr oc'opcs tightened Its ten
tacles until the diver was almost
crushed in Its embrace. Lund then
cut himself free and was brought
to the surface in a fainting condition.
Cornstalks for Witter Mains.
Medlcllne Lodga Kan. Experi
ments conducted by the Metropoli
tan Water Company with the rein
forced cornstalk pipes have proved
successful, and a company to manu
tacturo them has been organized
here, with Hon. Estabrook Aspinwall
as president. It Is estimated that
the pipe can be placed on the mar
ket at one-tenth of th cost of cast
iron pipe, and the new material will
outwear the Iron. The supply of
raw material Is Inexhaustible. Th
compamy will be stocked for 16,000..
000.
ILL NOT UNITE
PHYSICALLY UNFIT
,ev. Dr. H. S. Johnson'
Utterances on Subject cf
Ill-Adviscd Marriasea.
rOVERTY MARRIAGES DiSAPFRDVED
Boston I'nstor Pixi-ouragf . Mating
n Insufficient Earnings. Those
with Communicable Di.xenses, In
herited or Acquired, Should Itc
ninln Single.
Boston, Mass. "I will r-fus" to
marry persons afflicted with con
sumption or any hereditary or com
municable disease If I have personal
knowledge of such nllments exist
ing. ptH I tn nlo opposed to mar
rying divorced peopK except In the
case cf the Innocent party," said
Key. Dr. Herbert S. Johnson, pas. or
of the Warren Avenue Baptist
Chinch, in this city,
"1 'o not think It advisable to
marry .mum; couples who are In noor
rlrrurrsitnnceg. I believe, through
observation and consultation, that
i prospective bridegroom should
have i.n earning capacity of at least
ll.'i a week before he should eon-ili-r
the matrimonial venture. This
t? ten, enf, of courre, does not ap
ply In all cases, for there are always
exceptions, but I think the union of
.'iso,:s In the middle class In this
country, who are In poor circum
stances, creates nothing but a hell
on earth. ,
"When I r.inde the statement some
Mine ago from the pulpit of my
church that I would marry any cou
ple thnt wanted to g.'t married if
they did not have the marriage fee,
my remark was a facetious one, made
half in Jest and half in earnest, but
I v. Ill pladly perform the ceremony
for any unfortunate couple that
might have sinned, free of cost, if
they apply to me and give evidence
of good faith. It Is a pitiable sight
In a large city to see a young girl
carrying a babe on her arm without
a husband to show his love, or a
father to provide for her and her
offspring.
"I was, perhaps, led to make tho
statement that I would marry all
such couples that applied to me
through a case that came to me not
long ago. Our church Is so situated
In the heart of the city that practi
abillty is our chief aim. I became
Interested in a young girl who had
sinned, and I appeared In court In
her behalf. She was dressed In
mourning and carried her babe on
her arm. It develoned that when
her aged mother learned of the sin
and disgrace of her daughter, she
committed suicide by throwing her
self into the river. And that is why
I stand ready to help uplift the sin
ners that are making a struggle to
live an upright and honorable life,
and our church will assist them in
every reasonable manner, such as
finding employment for the husband,
etc.
"Now as to the marriage of young
girls and fellows in meagre circum
tances. There has been and Is con
stantly being brought to my atten
tion cases of hasty marriages when
neither person Is in a financial con
dition to warrant their marriage.
Fifteen dollars a week is little
enoagh to .ef;ay the expenses of
a home with Its furnishings, its doc
tor's and nurse's billd, tho bupport
of children and the mite that should
1) given to charity by all Christ
ians. Of course, when I place the
weekly salary at $15 I refer only to
the middle classes, that la Irish-Americans,
or those of Anglo-Saxon ex
traction, and so forth. I don't refer
to the lower class of people from
Ei-rope who can exist on much less.
"And In regard to persons afflicted
with tuberculosis or other diseases
of a hereditary nature to which man
and woman are subject. It is my be
lief that a man or woman unfortu
nate enough to be effected with com
municable diseases should be unself
ish enough when they are aware of
these diseases existing to be content
to merely love the man or woman
iin-1 not ark ono to have whole lives
blasted. It Is a terrible thing to
have children born into this world
with the tsint of dlaeaso upon them.
Yet there are a great many mar
riages I i this country in the course
of the year when one or the other
of the contracting persons Is a vic
tim of some communicable sexual
disease, and Is the cause of much
misery and the loss to tho United
States of millions of dollars.
'I will not marry persons whom I
know are afflicted thusly. an.1 If
there is any suspicion In my mind
I will ask them frankly about tho
matter. A man should be as unself
ish and sacrificing In such matters
as the soldier or the ftremnn or the
hundreds of other heroes, and It Is
their duty to humanity as well as
to tneir country that they cast aside
all thoughts of marriage when thev
know they are unfitted to become
husbands and fathers.
I have steadfastly refused to mar.
ry divorced persons, unless In the
cases of the innocent persons. There
are Innumerable cases of Innocent
persons being divorced through no
rauit or theirs and they should not
be compelled to suffor for the sins
f the guilty."
rooi:.Mi:v AT THE HANK.
Most of Them llelired Policemen
Their C1i!ef limy lo Wntcli
Tne nmii in itfi i form in the bank s
good deal more than a sign post.
rrjm a M until after banking
ncn-r he nan,! there apparently for
l...' so irtrvt e of directing strati
ers the in ii'n r ultiitnu. iini lUn
Is a gro ileijl more thnt he does.
That is why nt the larger bniiKs
M ere are f?w among the doormen
who have not been policemen. Man
tf them were sergennts or captains.
The chliff duty of these men Is to
watch faces and warn the tellers of
mn they suspect. Most of them are
familiar with the faces of the old
crooks and are able to pick out the
new crooks nlmo.st Instantly.
The knowledge of faces that some
of theso doormen possess Is remark
able A story Is told of George II.
Hewitt, who for thirty-one years has
been the doorman of the First Na
tional hank. New York, which Is Ep
ical of ull these men.
A man came In who fifteen years
before had been a depositor t the
bank. He had gone to Europe, an I
after tr.nt lapse of time had come
back with a beard and fifteen years
more of life on his shoulder As
Konn as he entered the bank li w!tt
was h re with bis greeting. ' Geo 1
mornl,i Mr. Farr." as though tho
man had been away for but a v.
There are probably ten th"i".-.iiJ
men who In the course of a c. a!n
leal with the First Nntlorcl. !iV"t
knows every one of ti'er.i.
There I.- another d ufy that the
doormen perform. Often during the
course of tlie day one of the clerks '
S( nt out with a large sum of money
to nnother bank. The doorman al
ways acecnipnnles him to see that .in
progress through the crowded streets
Is not Interrupted by some crook
who -nov.s the value of the roll the
clerk carries with him.
The oldest hank doorman In New
York Is George 11. Hewitt of the
First National Bank. In the old
days the police force stationed men
at man;- of the larger banks. Hewitt
was otu of these men. lie has been
ther i ever since, now more than thirty-one
years. Ills partner John Budd,
has been in the employ of the hank
for six years and before that was on
the police force for many years.
The only police captain In this bus
iness is Francis J. Kenr of the Cen-tr-1
Trust Company. Kear retired
ou his pension, but Instead of living
in Idleness Is to be seen every day
watehihs the faces that enter the
tr-st company, looking for old ac
qu U; tances In ihe crooked worlJ.
Another old timer Is Christopher
Sr-.lth cf the Merchants Bank. Smith
had the post nt Broadway and Cham
bers itreet for eighteen years. There
was not a prominent New Yorker In
the o'd days that he did not know.
One day President Grant was eros
mg thb street there when a truck
cam-' tearing around the corner..
Smith grabbed the President Just :n
time and saved him from Injury. The
Gnnal turned to hlm with a hum ir
oua expression on his face and said:
"You are the first man who ever
Jerked me around like that."
After that whenever Grant pass 1
that way he had a cigar for the officer
on the post. Smith has tales to tell
of all the men of that day, Arthur,
TUden, Tweed, Roscoe Conkllng.
Tiier j is not a Judge that he did not
know, nor a mayor.
Army Education.
The conditions confronting officer
ana r.ien who ha-e children to edu
cate, are simply pitiful. Many an
offlrj.- Is at this moment in debt, and
paying Interest on borrowed nionev.
so that he may send his son or his
aaugnter to a good school, or keep
them In some ity where their educa
tion wir. be continuous and uninter
rupted. No matter of domestic
isonomy touches officers more deen
ly than than this of the children's
education.
It is true that the public schools
of a city, if the post be near a city,
are generous In taking boys and girlg
in, and some do so for a tuition lee;
but it is. nevertheless, a fact that an
army officer cannot demand local
schoj' serMce as a r;ght, because of
his profension and his residence on
i military reservation. Even when
iiea- a city, the po3t is outside of it.
and the children spend from two to
four hours daily travelling behind
army mules to and from the school
houwe. The so-called "post schools" no v
eaU. Wished, and to which children
are Boim times sent through absolute
necessity because of isolation, are a
farce, for the officer having the high
8 undlng tltla of "Superintendent !
Post Schi ols." Is generally bo fu'.lv
occupied with other engaging military
amies mat ne can give little or no
attention to the school development
and system, while the man who t
teacher has usually never acto. In
to ; capacity before,
Asnln, officers and men are co
chani.ee about that the education of
td- rhiidren is subject to sad and
osflv Irterruntions. as thev frennnnt.
ly go back one grade In their trans-
ler iron, one locality to another.
i there not a remedy for this?
West. Point represents hundreds of
similar, though smaller cases, an i
these children are as lust v. m inval
and as Ai-ierlcaa as any the nation
produces. Army and Navy Llf.
I'atrnlriHn In Various Clilen.
Berlin's patrolmen are to 340,
Llvriucol's are 1 to 4 4 9. London's 1
to 4 9 U . and Philadelphia has 1 patrol.
man for ever) 511 citizens, (in
Manhattan Island there is but ono po
liceman to every 643 Inhabitant.
Tho Kind You Have Alwnm
ill use for over 30 vonr.
. . . , mm vuu m,F uvl VI V J till 111 HUH.
All Counterfeit!, Imitations and "Just-ris-pood" nro but
Experiments that trifle with and endanger tho health of
Infants and Children Experience against Experiment,
What is CASTORIA
Cast or la Is a harmless substitute for Castor OU, Pare
Boric, Drops and Soothing Syrups. It is Pleasant. It
contains neither Opium, Morphine nor other Narcotlft
substance. Its ago is its guarantee It destroys Wortni
and allays Feverishness. It cures Diarrhoea and Wind
Colic. It relieves Teethlnjr Troubles, cures Constipation
and Flatulency. It assimilates the Food, regulates the
Stomach and J towels, giving healthy and natural sloop.
The Children's Panacea The Mother's Friend.
GENUINE CASTORIA ALWAYS
Bears the
The Kind You Hate Always Bought
I If M.
hi use ror
To All Our
The Great
AMERICAN FARMER
Indianapolis, Indiana.
The Leading Agricultural Journal ot the
Nation. Edited by an Able Corps
of Writers.
The American Fnrmr ic fV,
licWi Tf en" .". v .
llSUecl. It fills a nnwitirm rf fL.
E, . - t "i 11.3 uiYu nuu nas iaKen ine leadtn?
ltesn Site f 7Ural PeP,IeJn CVer' section of United
iLetr ;f ff rmf r and his family something to think
about aside from the h drum of routine duties.
Every Issue Contains an Original Poem by SOLON G000E
WE MAKE THE EXCEPTIONAL OFFER OF
Two for the Price of One: THE COLUMBIAN
The Oldest County Paper and THE American FARMER
BOTH ONE YEAR FOR $I.OO
all oX?TE!,;led ?iff" ismade to"ew subscribers, and
THE COLUMBIAN. j, ,,.,, ,,a.
A man can acquir? a great many
disagreeable habits, and become in
time so used to the txperience that
it appears to be all right. That is,
a man can become a downright hog
and become so used to the bristles
that he never fetls them when he
is obliged to nut hi
chester Union,
AN.Y0LT "KMKVK VOIR SKNSKK?
i . , oniD nun Milieu,
littvlnif been Impaired if ot utterly 1-
, uhhi iiiturrn, are fully re
stored by Ely's Cieam Halm, ran ymi
doubt that thin r K. ,i ' ... .')
tliat ban been said ot it by the thou
muds who have lined It? it Is applied
directly to t.h .ft-..t.i ..i 11 '
and iNtrliia its healing work at ..nee.
" ny nui jtei it unlay? Al druuiriHta
I Ely lW, . vlK:
fnreet, Jew orlc. mi i-..,.i... en
cents. 1 "
Do the bill colWtitisi uiu-..,.,. ,i
, . .
CASTORIA
xur mianii ana i;nunrAn
The Kind You Have Always Bought
Bears tt
Signature of
flnns-lif. ami nitti i
O . WW
has bnrne 1m lmntiA
ami nas ocen iimtio under his per
Bonal stipcrviHlon Bineo Its infancy.
Signature of
uver r5U Years.
CT, NCW VOKft crrv.
OFF
ER
Subscribers
t : t
fiit-uiry rami journal put
1 t' . , J . . . c.
The t;irl U tlie mother of tlie woman
jiiNt uh the "the hoy is the fat her of the
Mian." The period when the womanly
fuiietioiiH begin is one to be carefully
watched mid considered. Irregularity
or derangement ut this time inuy l
promptly met and eured by the me of
Dr. 1'ierce'n Favorite Prcwi -iption.
Hut UfKleetiHl at thi critical period
nmy entail yearn ol future toillerinK.
Favorite l'reHciip'.ion' act directly
upon tho womanly orm-i ulvimr them
perfect vigor ami abundant vitality
It removes the obMtructioiiM of health
and lutppiiieH-i, ami deliver woman
hood from thecriit l bondage of "feiiule
wenknens".
Well recognized authoritirtt of all
HchiKiUof medicine-have nothing hut
praise for the ingredients of Dr. Pierce'
Favorite Prescription. Koud to Dr. It
V. Pierce at Hull do. N V f.-rfree
booklet giving ingredients ami what
medical authorities nay about them.
Not a imtent-nicdlclne but a ' KaviwiW
Prescription" of Dr. Pierce who mak
es the diHeuscHof women his ajieciality.
It has forty year of cures back of it.
Mother, he said, putting his arms
around her and kissing her on the
brow lam going to tnairy tlie
sweetest, the loveliest, the noblest
girl in the wot Id. Looking up in
to his eyes, the good lady by a
great effort managed to keep back
her tears as she answered in broken
tones: My poor -boy! Chicago
Record-IUraM,
o