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Bl ($n ilol'nrn per enr. -1i!r In nilvnnce.
To nil fnrelcn rr.imirh'K mm Ml) rtnll.tr n month
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hrrrln or. n, f ''.
r fhlUdrlphla. Monday. Auu.l JO. 1M0
A Itlllt-tKAH VKIKinAM Villi
HIII.ADKI.I'IIIV
Things on whleh the iirnnla r-U'crl the new
rdmlnMritlmi In cnnernlrite ll nltrnllon:
Thr Drlatmrr rllir Ijrliluc. j .h.
.1 ilnitoik ''la niDwu'i to nrcommodnlr Ine
)cvrfoiin'l"'''' "" r""' "
y ronvn'ton inll.
A bnlMli'0 fnr thr 'rr - jrarv.
An Art Jmnim
vnlnroriiurit o fir n-nlr; sMppry
ioinfj 'o orrmnipiointe fnr popnintion.
J ONE BONUS THAT IS PAID
ITJHIl.K the Hoard of Publli- lMmatiou l
W tryins lo timl the inoiir-y with wliich to
pay thV bomisct to tlio tfaclieri which miRht
lffoliovp bwii paid in .lunr. the Penn-lvnnin
llnilroiui oiiiilo.Mw art- KcttitiK Ihn botuis
awarded to them In the Hallway Labor
Hoard.
The uew wage cnle vaM fixed to date from
the bi'RiniihiK of May. Cheek for a total
of $2It.0()0.()0() were mailed on Saturday to
the 2S0.fMMI emplo.M'N of the Peunlvnnla
FjBtem to eoier the bark pay under the in
creased vale for Hie month of Mil. .June
and .Tnly.
r The railroad eomnalij (Jot the money
"Somewhere and paid it to the men on the
day when it wu due.
j. Thi i one of the reason that ha been
leadinc teaehers in larpe number to eek
employment bv private enrporntioni. The
pay i better. anwa. and when nu increase
is. promleil the promise 1m kept promptly.
"MUSEUM" SCHOOL HOUSES
WJ1II.K it i always possible to aiiiu
evidence provinc the latiM' of any enter
prise or iindertakini;. public or private, from
the ideal. .John I. Cael' authentic sum
mary of the physical condition of the Phila
delphia public school cannot be dismissed
as mere liypercriticimn.
The superintendent of buildinc of the
Hoard of Public Kducat.iou report that only
2." per cent of the public rhoolhotie of
thin city are fireproof. Ninety are more
than fifty year old and four are eente
narlnnx. ' About thirty-live of the bulldiiiR
nrc described a really unlit for use and
twenty are classed as danserou. Care and
pood fortune are to be thanked if thank
arp ilup for the preservation of o much
venerable material.
It is obvious tlmt reform of the Philadel
phia school system must be comprehensive
nud conducted iu a spirit abreast with the
times. The prospective be-uus for the teach
ers tO'be derived from the new lo.ui will be
merely nu incidental improvement. Inves
tigation of the whole field is in order, and
then appropriations prompt and (.'cnerou.
worthy of the dignity of this state and city
and of the claim of education upon a civil
ized community .
Insecure museums, rickety landmarks are
about the lat tliincs desirable in the ma
terial equipment of a school organization.
WHAT IS A WOMAN?
F3H purposes of identification, the occu
pation of eery witer whose name is on
the assessors' lists is recorded. The men
are lawyers, doctor, merchants, clerks, ste
nographers, printers, carpenters, laborers
and the like.
The women in oflices and shop anil fac
tories have a well-defined status. They can
declare themeHes a stenographer or sales
ladies, or sewing-machine operators, or
dressmakers, or tailors, or what not. Hut
what is the mere wife to call herself, or the
young woman who lives at home helping her
mother or merely amusing herself.'
Some such women have been put down on
the assessors' lists s laborer. Now and
then one is recorded n a housekeeper. Some
of them are laborers in the sense that they
labor Other are housekeepers Hut how
should the wife of a multimillionaire be
designated who hires a housekeeper and
whose toiling and spinning are confined
chiefly to arraying herself like the lili.-t of
the field"?
Now and then a man is registered a a
"gent " Can it he that the wixes of the
rich are to be registered as "ladies"?
If tin is to he the rule it is certain
there will be trouble, for the "washladies"
mid the like will insist oil their right to be
ailed M the title of which they are proud.
The .lie more numerous: than the ladies of
lei ure iiml uin outvote them if the issue
should he huueil at the polls Hut before
a sirioiis iiiiillnt urisis the (icncrnl Assem
bly is liki h to make oiue regulations to tit
the '.i-r or the assessors, advised 'y the
women . iters, will hit upon a designation
for the in w eleetors not engaged in gainful
occupations whiih will be satisfactory all
around
WHY FREIGHT IS SLOW
TjlAUMIUlS' ns-ioi intions in Illinois anil
Indiana nine discoveied some facts about
the immobility of freight iars whiih have
been trbubling railroad malingers for rears.
The fanners have derided that the iniiiitry
is not suffering so much from a shortage of
ears as from the failure of the railroads to
keep those they hae m constant use.
"" In Illinois ji record of iar at -10 1 stations
jn fortv six different utilities was made for
even days. It was discovered that 10 per
fent of the car hud remained on the siding
unmoved during the whole period. If these
ciiild have been used for moving freight
there would have been some relief for the
congestion
The Indiana farmers have figured it nut
that If each freight iar traveled one mile n
day more than ut present at least 100,000
earn would be released for new uses, and if
tl)C average cnrloild should be Increased "
per cent 1-0,000 more cars would be re
leased, and tlie reduction of the Idle time of
f.xA by one hout a duy would release 1 10,000
more, makiiiR a total of IltlO.OOO ears.
An addition of more than n third of a
million freight earn to thp available equip.
juMt of the rllronda would materially assist
In the movement of goods. The railroad
innnagers have already begun to speed tip
their earn, It was reported a few days ago
that they had already succeeded In adding
a mile a day' to the overage run, with the
result that they have released 100,000 eara
that were not working. If they can secure
the co operation of shippers who will unload
the earn as soon as they arrive at the station
instead of using them as temporary ware
houses they can release a still larger number
and nvold the necessity of spending millions
for new equipment.
THE CAMPAIGN A CONTEST
OF THOUGHT VS. PHRASES
Thus Far Mr. Cox Has Managed to Shine
Only as a Nolsemaker of Unusual
Industry and Vociferation
EVHHY political candidate of the first
class has a sacred nnd inviolable right to
be dull. Hut tlmt great privilege Is belug
pretty generally abused in the present cam
paign. There are various sorts of dullness. The
sort that characterizes Mr. Cox on the stump
is, perhnps, the most Irritating because it is
obtrusive and pretentious.
Mr. Harding and Mr. Cox hnve the ad
vantage of the grcutest forum in the world.
Whatever they may say. whatever sugges
tion they have to offer for the guidance or
inspiration of the country will be heard,
like the muskets at Concord bridge, around
the world.
These are perplexing times for everybody.
From men who wish to preside for four
yeais over the tle'inles of the most powerful
nation in the world and direct the course of
ii u t ion ii 1 policy in year that have brought
to ii the full responsibilities of world lead
ership, one has a right to expect sound ad
vice nnd clear and unequivocal statement.
One has a right, too, to look for sincerity
nnd wisdom und courage In such men. Yet
Mr. Cox reached what seemed to be the high
point of hi campaign by Haunting in the
face of the country the tatter of one of tjic
oldest and dreariest party arguments ever
devised. That was when be shouted about J
boodle in the Hepiiblicnu camp.
Now, boodle is n word of thrilling impli
cations. It is a hated word suggestive of a
hated practice. Hut nobody knows better
than the Democratic candidate that boodle
at such Is out of date and that it is no
longer considered to bo a safe or efficient
factor in public affairs.
There ate exceptions to this rule. Tam
many is one of them. Some of the munici
pal eleition in Ohio and elsewhere have
occasionally provided others. Hut you can
not buy or safely try to buy the presidency
or any other office of importance.
."Money Is still used, and used too freely.
in American politics, but it is used for the
most part in ways that may be called legiti
mate. It i doubtful whether fifteen or
fifty millions, even if such sums were avail
able lo campaign managers, could turn nn
election in the Tinted States, no matter how
the spending wa done. This Is because
a barrel is a liability rather than an asset to
any impoitnnt candidate.
Money has lost more elections than it has
won, The American people, negligent and
easy-going iu relation to the affair of gov
ernment, are consistently nnd determinedly
opposed to corruption by money. It is the
thing that they will not tolerate. Political
manager know thi. Campaign funds ire
used, therefore, in way that might be que
tinned on the ground of logic or good taste,
but the sum spent for the purchase of votes
have grown steadily smaller for generation.
There vvn a time when fanners iu the
Middle West wouldn't go to the Tolls unless
they were "paid for their time."' Whole
armies of voters used to be bought in the
South. Hut these are diflerent tlihes. Money
eliminated I.owdeu and Wood from the pri
mary campaigns .with a swiftness that wa
actually startling.
Mr Mnrding's method of cniupaigning
mny not be ideal or wholly inspiring, but
it i a far better method than that of Mr.
Cox. The Hepublican candidate has the
quality of modesty. He reveals day by day
a wise disposition to keep his feet and grap
ple honestly with the issues that are turned
up almost every day from beneath the sur
face of Kurnpean politics to demand vigilant
nttention iu the I'nited States He has not
the audacity to offer one and only one
lemedy for a disease that exposes changing
symptoms almost every twenty. four hours.
Mr. Harding measures his words. He is
not a wild promler nnd he makes no preten
sions to the gifts of prophecy. It is Cox
who i striviug to be known as a man of
pep, a dashing and cocksure knight, by bor
rowing bits of stage business from Hryun,
bit of it from Hoosevelt and bit of it from
Wilson.
Hetwcen a man who prefers to be thought
ful, alert and observant in a dav of world
change and crisis and one who hustles about
the country with ready -made and unchang
ing platitudes and mi air of slapping the
whole electorate familiarly on the back at
liiist once a week, there can be no choice
but one. The dullness of .Mr. Cox is not
only extreme. It is fori ed upon you.
If there is a fault in the Harding method
of approach In questions that acutely (rouble
the country it is, pel Imps, the fault of a too
great restraint. Any iiiiididate can make
promises which he does not intend to fulfill.
A ii v man who has not the advantage of
knowledge and expenenie inn tell the loun
try that he knows all about Kurope, all
about the part we should play in future
world affairs, all about the cuds that we us
a nation should seek.
Wiser men are likely to know that, while
guiding principles are clear for the eyes of
Americans, the methods by which they shall
lie established are still debatable. They are
debatable because of unexpected changes of
front nnd mind among some of the older
governments. These are the realities of the
campaign, and Mr. Cox Is apparently un
aware that they exist.
Questions of industrial relations, taxes
nnd ofree speech represent the great un
settled problems of the hour nt home.
Harding doesn't presume to have a ready
solvent for every ache and 111 in the domestic
order, and for that it is necessary to admire
him.
Cox has no doubts. He knows! He is
the fixer with his tools in his bund. He
disdains to be a student of affairs.
Neither of the candidates utters the in
syiriiig note that comes with an Instinctive
mastery of the truth. Hut (lie progress of
the campaign has brought two personalities
Into sharp contrast that is by no means
favorable to the Democrats,
Harding hns it trlrk of reticence which
troubles some of his friends, yet these
are not times when safe decisions can be
.swiftly made. When Harding talks be talks
EVENING' PUBLIC LEDGER-; PHILADELPiqA, MONDAY, AUaTJBT'-SO,
with frankness' and In all sincerity. It N
difficult for Co.x to be frank. Appeals In
his behalf are being made upon the ground
that he Is wet nt heart. And even those
closest to him do not seem to know whether
lie Is wet or do" In that highly Important
place.
(live Mr. Cox any old ceho of partisan
propaganda and he will mnke it orchestral.
Hut do not sk him to talk of practical
affairs in language that any one can under
stand. Kvery one is disposed to feel nowadays
tlmt the campaign is n disappointment. Yet
with nil the faults that weaken Mi'. Cox and
the obvious shortcomings of the front-porrh
campaign, political discussion even now In
this country Is kept upon a higher level than
It attains anywhere else In the world.
Hefore vVeeping over the Democratic rnn
dldate it might be well for Americans to re
member the campaign carried on by I.loyd
(eorge throughout I'ngland immediately
I after Jho close of the wni). The man who is
now premier ni iirunin sain wiin iieuoera
tion a hundred things that he did not mean
and made a thousand promises that be had
no menus of currying out.
In France there is little open discussion of
political Issues and newspapers do not know
the meaning of Independent opinion. Here
we do occasionally find n courageous and In
formed approach to the challenging facts
nud an honorable effort among men of nil
parties to put able mind completely iu the
service of the nation.
Kvcn in the routine cninpnlgns the note
of rigid partisanship is not now ns con
spicuous as it used to be. Mr. Cox has
tevived It for the moment. lie is making
an oh! -fashioned campaign of assaults nnd
phrase. It I to the credit of the Hepub
llcnn that they can make a patient effort
to find the simple truth nild express It with
out nn accompaniment of brass bands. That
sort of service is not nlvvnys picturesque.
It docs not nlvvnys get the applause of the
gollerics. Hut It is a service that some men
In American public life must do now nud
in the future If the nution is to be snfely
guided in the wilderness of dangers nnd per
plexities created by the wnr. To avoid thnt
duty and fill the nlr with the noise of mean
ingless "charge.," as Mr. Cox has done, Is
to affront the better intelligence of the whole
coifhtry.
LAUGHED OUT OF GRAFT
rpHK reconstruction of Prance as described
by J. A. M. (le Sanchez, a member of
the French High Commission, who was in
town the other day. is an inspiring tale, but
not all of it is fully comprehensible by
Americans. As we admire we can also un
derstand the material restoration of the
northern departments. On a smaller scale,
but with comparable speed. San Francisco
was revived. The job that has been under
taken and brought to about two-thirds of
completion is in a sense nu American job
conducted by Frenchmen.
Hut the chastisement of profiteers which
M. de Sanchez reports ha a ('allie racial
Hair which Is inimitable. A certain extor
tionist was penalized ."0,000 francs, and as
part of the sentence the judge 'ordered the
publication of the decision nt the offender's
expense iu ull the Pari newspapers three
times ii mouth for six months. All Puris
laughed. The pirate tied.
And just us there lire few sharper weapons
than jeering French contempt, there Is no
place on earth which feels its point so
acutely. Addicks, the "(ias Mnu," boasted
many times of his impervlousness to satirical
criticism. So long as his mime" nnd affairs
4iad publicity, even notorious, be exulted.
Hut France i quite n sensitive ns she is
ironically keen Voltaire had, Anatole
France ha today, an ideal audience In
Pari it is ilcliciously possible to laugh
profiteers out of business.
Puzzled, we can ut least applaud, though
with a sigh. What would become of our
ariogant machine politicians, our grafters iu
trade, the varieties of insolent boobs who
offend us, if their hides could be pierced by
the arrows of stinging satire even had we
the wit to sharpen theinV
Monarchy or republic, victor or van
quished. France is unique. The potency of
her laughter fur surpasses her guns, great
though they be, und something that may
justifiably be called civilizutiuu Is the cou
seqiiciHc. BRIDGE JOB DONE
rpHK Heiisalem bridge, wliich is to be
opened this week, is a public utility of
first-rate importance.
rlii" completion of the hnndsome spun over
the Pennypack creek will not only exprt a
beneficial influence on the development of
this portion of northeast Philadelphia, but
It will provide a much-needed relic to auto
trallie, private and commercial, ,pn the New
York route. The detour by way of the
Castor road or the Hustleton pike from the
Hoosevelt boulevard will now be obviated
and a much more direct course can be taken
from the broad thoroughfare into the Welsh
road and Hensalem pike.
I'mler normal conditions the work should
have been completed several years ago. The
war is, of course, the prime explanation of
the delay, but as the months passed by that
excuse upplied to belated municipal improve
incuts is increasingly convincing. The fin
ishing of the bridge is a sign that things can
be accomplished even under riither trying
conditions of labor and materials.
With this substantial product to its credit,
the administration sets itself nu interesting
example iu progiess.
OPINION STRIKES
WAStthe case with the threatened
Al
strike on the Haltic some weeks ago, the
walkout of New York longshoremen on a
matter of opinion concerning (Sreat Hrit.iin's
Irish policy is a decldel departure from the
ordinary factors in labor disputes The
, strikers on the Manhattan docks have quit
work because of conditions accompanying
the imprisonment of the mayor of Cork.
The present o of Archbishop Miilinix nu the
White Star liner oi ensioned the earlier
trouble.
If employers choose to take u leaf from
these doings they can base tenure of a job
on approval or disapproval by their stuffs
of the League of Nations, on 'Democratic or
Itepiiblicaii political atlilintions, or on the
(olor of hair, taste iu dress or preference in
pies.
Whatever else mny be sold of situations
resulting from such causes, it cannot he
denied that they will breed considerable con
fusion. Heretofore It hns been thought that
wages and conditions of employment were
the basis of disagreement between-labor and
capital. The new order of things opens
possibilities which can hardly be called en
gaging. The New York prohibition agents bar,,
reported they have indisputable evidence tli.it
Mcfiraw bought liquor at the I.ainbs' Club
nn the night on wliich Johnny 'Hlnviu Went
home with him. Subsequent events indicate
that it must have been the kind of liquor
lUUl wouiu uia-c a inuvii
bit fisht
,
ATTENTION, LADIES!
Qeorge D. Thorn, the 8tate Expert,
Tells You About Voting The
Brady Family of Pennsyl
vania: Its History
Ily (IKOKOH NOX McCAIN '
GKOItGK D. T1IOKN, expert of the State
Department on the subject of reglstra
Hon and enrollment; is nlso chief of the
Hiirenu of Elections. He hns issued a little
fourteen -page monograph that should be Iu
the hnnds of every womnn voter.
It tells In a plain, mntter-of-fnet way
about the duties of voters, candidates and
political committees under the laws of Penn
sylvania. In less thnn two pnges Mr. Thorn tells
what are the qualifications thnt entitle n
womnn to vole nt the ensuing November
election.
This is followed by n list of the registra
tion days In nil cities, boroughs and town
ships In the state, nnd how the prospective
women voters should go nbout getting their
names on the polling lists.
Then there nrc concise Instructions con
cerning party enrollment, nnd the way the
woman voter must be registered, according to
party preferences and affiliations.
IF THKUM nrc nny among the millions of
new voters who yearn to try their 'pren
tice hand at running for public office, full
instructions are given by Mr. Thorn just
how to go nbout it.
They are told how they shall spend money
for lawful purposes In campaigning, in
cluding the "ballyhoo,',' which conies under
the bend of public meetings nnd demonstra
tions. To keep fair candidate free from the
rntniigliug net of corrupt expenditure, de
tailed instructions ure given for filing their
election expenses.
The little work concludes with a political
calendar for the November election which
can be carried in the vest pocket beg par
don, the handbag of the fair citizen.
(icorge I). Thorn will have more feminine
blessings showered upon his nstutc gray
hnlrs than he has known in nil his official
life for this thoughtful nnd comprehensive
vnde lucrum for the womnn voter.
MA.IOU WILLIAM (J. MUHDOCK,
known for his netivlties ns bend of the
draft organization at Hnrrisburg during the
world war. anil now nujutnnt ot tne Ameri
can Legion, department of Pennsylvania, is
nn author and publisher.
Not. of course, ns u business venture but
ns historian-genealogist. g
On the 1Mb and lfltli of the present month
there was held at Money, Pn., the second
reunion of the Itrady family, of which Major
Murdock Is a distinguished member.
It is one of the old family clans of Penn
sylvania that had its origin 1711 yenrs ago
when Hugh Itrudy took up 200 acres of land
in Hopewell township, Cumberland county.
That was the log-eobiu beginning of a
sturdy race that today numbers among its
members governors, senators, soldiers,
clergymen, authors nnd men of affairs in
business and industrial life,
Cyrus Townseud Itrady. clergyman,
author und soldier, who died lameuted by
tens of thousands of renders, was of the
clan.
Governor Hrndy, of Idaho, was another.
When It conies to the list of soldiers this
volume of biography from the 'pen of Major
Murdock tells the story of as fine a line of
Scotch -Irish patriots ns one can find in nny
genealogical work in the country.
Cumberland county wns the birthplace of
u score of families whose sons and dnugh-k
ters in the succeeding century nnd n half
have made history iu Pennsylvania, and,
iudeed. iu the I'nited States.
There were the (inlbraiths, McCormicks,
Hnistous, Kvnnscs, Hnrclays, McCulls,
Hrcwers and llamiltnus, nil militant
Presbyterians who served both. (.Sod nud their
country fnitlifully.
TDK1 Hev. Dr. Way land Hoyt, gifted
Hnptist clergymnn and religious writer,
widely known nnd beloved in this city, was
once, years ago, a dinner guest iu the home
of u descendant of one of the (Snlbrniths of
this nnie Cumberland county Scotch-Irish
colony.
Turning to hi host during dinner Dr.
Hoyt inquired, "Hy the way Mr. X
where did your nucestors settle'"
"They settled in Cumberland county nbout
the middle of the eighteenth century." was
the reply. "They were hnrd-hended, (Sod
fearing Scotch -Irish of the kind that when
they were not priying they were fighting;
when they were not fighting Indians they
were fighting among themselves, and when
they were not praying or fighting they were
drinking whisky."
The distinguished divine shook with
laughter, though the hostess at the other cud
of the table frowned with manifest dis
pleasure at hei husband.
After the departure of the guest the wife
reproached her husband for bis outspoken
description of his iimestry.
"Dr. Hovt will think that they were a
pretty tough lot," was her indignant com
ment. "So they were, for they had big men in
those days," vvn the smiling response.
Hrxnnnns of members of the Ameri
can Society for Psvchienl Hesearch iu
nnd nround Philadelphia ate interested iu
the announcement that the death of Dr.
.Tame II. Hyslop, Its late secretary and
director, will make no change iu the prog
ress of its work.
The society constitute Section H of the
American Institute for Scientific Hesearch.
a corporation created iuder the laws of
New York back in 11101.
A point of secondnrj interest i that its
endowment fund now exceeds SIS.I.OOO. the
income from which pav for its publications,
namely, its Journnl nud Proceedings, und the
expense of the office ill New oik.
With all the ridicule nnd derlinu thnt
have been heaped on the society iu the past
twenty yeurs the size of it endowment i
pretty conclusive evidence thnt there are a
large' number of people interested enough in
the scientific nspei t of this question of the
hereafter to back their convictions with
cash.
TIIK list of honorary fellows of the
American Society for Psychical Hesearch
is rather astonishing from the standpoint of
ilistincuished names.
All of those iiamid are connected with
the work and are cvidcntlv neither ashamed
nor afraid to face the music of opposition.
Here are some of them:
Ht. Hon. A. .1. Halfoiir. London: Hr.
Hon. (Scrub! W. Halfoiir. nngland : Vis
count .lames Hrvce. England ; Dr. Charles
L. Dana. New York; Prof, (icorge Dumas.
Paris: Cainllle Flainmnrion, Frame; Prof.
Th. riournoy, Geneva, Switzerland; Dr.
David Starr .Ionian, chancellor emeritus of
Leliind Stanford I'nlversity. Calif. ; Dr.
Morton Prince, Hoston ; Prof F. ('. S.
Schiller, Oxford, F.ng. : Dr. Hnris Sidis,
Portsmouth. N. II ; Prof, .lolin Dewey, Co
liimbiii rnivcrsity. New York city; Prof. .1,
Gibson Hume. Toronto, Canada, and Prof.
Adolf Meyer. M. D . Ilaltiinoie, Mil.
Statesmen, scientists, university profes
sors und psychologists me all lepresented
in the above, which is only about one. fifth
of the list.
If all the prominent business men. scien
tists, university professors, clergymen and
physicians whose names figure in "Who's
Who" who believe in investigating this sub
ject of a life be) ond, and who contribute
to the society's work, were published in the
Kviinimi Priu.ic Li:iiui:n. I fancy It would
occupy several columns of Its valuable space.
Polish Atmosphere nt Home Headline.
This does not menu what you think.
It only refers to the growth of sympathy
in the Itulian capital fnr the Poles. And yet
we make jokes about tlie language that the
Poles speak !
The new star in the northern cross has
already begun to fade awuy thus eurlv
setting tlie example for somo of the pollticol
stark who will become so dim on November
3 that they will no lousrr bo visible.
LET'S
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NOW MY IDEA IS THIS!
Daily Talks With Thinking Philadelphians on Subjects They
Knoiv Best
CHARLES At HEXAMER
On Rising Insurance Values
MANY business men. by fuiling to keep
track of the changes iu values both of
real estate and merchandise wliich they keep
stored' in their buildings, nre running the
risk of heavy loss in ease of fire, is the
assertion of Charles A. Hexamer. secretary
of the Philadelphia Fire, Underwriters' As.
Nocintion.
As Mr. Hexamer puts it. "The failure of
many business men to follow appreciation
of values and make their insurance pre
miums nccordlngly is likely to mnke them
involuntary self-insurers.
"In other word, the business man who
is not cognizant of the change in values due
to changing conditions, or. being so. does not
net upon it. is likely to find himself, insteud
of being covered by insurance, facing u lnra
tinnncinl loss, if he should be unfortunate
enough to have his establishment burned.
"The underwriter.' nssocintlon and insur
ance brokers individually have constantly
warned business men of these changing con
ditions and just how they were retlectcd in
fire Insurant e linbility, nud yet many of
them hnve failed to heed.- Klther they do
not realize their risk, or else they prefer
to take it lather than pny heavier premiums.
"I can remember two comparatively recent
cases where just such neglect cost two
prominent besiues men heavily. One of
them hud a loss of more thnn .$200,000 nnd
the other lost, over nnd above the Insurance
which lie collected, nbout .flST.OOO.
Advances and Insurnnro
"Vulees have more than trebled in the Inst
ten venrs and they hnve doubled since the
war." A well -known builder tells me thnt
the cost of constructing buildings bus n!.
vnnced 00 per cent during the Inst year.
All these advances reflect themselves propor
tionately in the insurance.
"Fire insurance must be based nn replace
ment value. In other words, if a man in
sured his building anil stock for $lfl().()00 i
few yeurs ago. in11 order to be covered it
would be necessiuv for him at least to double
his insiiriuiie in the intervening period.
' "According to the law. in order to avoid
nny discrimination in rates, it is nccessnrv
to figure on SO per cent of the total value
of tflepropcrty to be insured ns u bnsis for
computing rate. Iu rases of blanket in
scrance, thi i inised to 1)0 per rent.
"Now it I not obligatory for the business
man to insure for so per cent us the en
Insurance plan n quires, but this must be
regarded as a standard ratio. He may in.
sure for a smaller percentage, but, of course,
would be rliargid at a higher rate than the
standard amount or if he chooses to insure
for the full US' per cent, ins rme is ue
creased. "The wny vnluis are changing these days,
the average business man should keep in
pretty close touch with his insernnce broker
if he' would hi thi- sjifc side, and nvold
possible loss.
Merchants Taking Wilis
"The bait which makes many business
men gamble with heavy loss is the feeling
that values will decline later and their in
suinnce rntes will then be smaller. Those
conditions could be met when they ar
rived, but, in the meantime, tlie man so
gambling is taking a heavy chance.
"Many business men who were holding
goods for higher price, particularly, ran this
rink. sAnother thing which has aggravated
this' condition bus been the transportation
situation, which has held many goods In
warehouses when they should be on their
vvuv to their ultimate iMijisuiners. Manv
others have been awaiting developments in
the fall am! Have been holding off chaugiug
their insurance uites.
judications nre that our premiums will
increase aboct 10 per cent during the pres
ent venr. which will menu n premium total
of S1U.000.000. So far this year this utj
ha had a total loss by fires of four and
u linlf million dollars, and this will probably
reach six millions by the em! of the year
"I'lie loss of insurance companies then
has been ."0 per cent of their prei ns.
The cx'ifiise ratio of the fire insurance busi
ness i.i' nbout 10 per cent. Fifty per cent
of the balance must be reserved us a sinking
fund i"1' ""' uy conllagratloi)s, which will
leave just ." per cent dividend for the stock
"The average loss ratio by fire in this city
Is nbout -10 per cent, so that this, has
,'fPl'
bctA'r'rt.1K"tly ubovc uorji
uuovc uoruiui.
J920
HOPE IT BLOWS OVER
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n few years ngo had a per capita loss ratio
of $l..ri0, while this year 'her per capita
cost, figuring ou n 'J.000,000 population,
will be nbout ?.'!.
"There has been a Til per cent increase in
fire premium receipts in New York in thc
lust six months, while here there has been
about u 10 per cent increase. This is due
largely to ncci'inulatlon of values and thy
transportation situation.
Merchants .Must He Watchful
"It is nn interesting fact thnt the pre.'
niiums of the metropolitan district of New
York city are equivalent to the premium
of the entire state of Pennsylvania. Phila.
delphia's premiums amount to nbout one
third that of the state. The loss ratio of
the stnte has been about 10 per cent of the
premiums.
"If business men. however, become nlive
to the necessity of watching changing values
more closely am! insuring in proportion,
they will not be likely to have such une.x.
pcctedly large losses. If they do .not, tin
loss will be entirely their own, becjiusc thev
themselves, and not the Inscrnncc com
panies, will be linble.
"Hut the pity of it is that many of them
will be tnking this risk not voluntarily, but
involuntarily, and without full knowledge of
the risks which the changing conditions ure
imposing on them."
With Neither Dear Charmer
DY.MPATHY is due to Miss Alice Paul
kJ nnd to the party of militant suffragists
entire. After half a eentcry of struggle,
in tlie culmination of which thev bore so
conspicuous u part, the nineteenth amend
ment was to be signed and proclaimed.
Secretary Colby had the proclamation, nlso
n pen and ink. It was only neccssiirv to
receive n formal certification from the gov.
ernnr of Tennessee. Miss Paul und her
faithful lieutenants were on bund, some of
them having sat up nil night awaiting th
nrrivaI(of the document. The movie men
were with them, straining ut the leash to
confer imniortnlity upon one nnd all. And
then Secretary Colby, without budging from
the fastness of l."07 W street northwest,
wrote in lijs nmue the moment he received
the certification ns if he were signing i
voucher at the club.
vt lint part in all this was played bv Mrs.
irrie Chapman Catt of the rival and
Curr
nonmilitiint organization does not directly
appear. Mie Is u inuiveloiisly tactful opera,
tlve, whose hand has the invisible sleight.
If she weie to make any claim, it would
doubtless be modest to humility, like that of
Ilrctus as nn older, not a better soldier.
Perhnps she had iccelwd ghostly warning
of a mectitfg nt Phihppl. At any rate, when
Secretary Colby vv hided his fateful pen lie
was iiiiencirclei! by the eager fair, iiiifilincd
by the guarantor of immortality . Tho pln
feathers on the wings of fame brushed by,
but did not touch Ins or nny cheek. y
Was this wise in a diplomatist, a seere.
tary of state? Probably. It seems, iu fnct,
so wise that one suspects Mr. Colby of
tearing u leaf from the book of his kins.
iiiiiii, Augustus Thomas. The playwright
also was once caught iu u plight which
obliged him to stage a drama with two
leading ladies, each having a claim ,on tho
title role. He called the play "Tha Other
Girl," mid in his curtuin speech he re.
marked that at least he would be able to
explain himself to either, were t'other dear
charmer away. The diplomatist bus, iu
fact, scored.even upon the crafty dramatist,
for lie enjoyed his dignified and most signlll.
cant function, anil also his breakfast, un
perturbed by cither dear channel'. New
York Times,
Candidates vho are Inclined to pride
over being received with Mowers are re
spectfully Invited to remember that the
floral displays, at funerals are sometimes
quite superb.
A world court muy be pretty good, but
It has its limitations, ns It would discover
it it ever tried to settle the differences be
tween Itepubllcuiis und Democrats,
Women who decline to vote will not be
debarred from complaining about the statu
of the nation any more than the thousands
of males who rgt'lurly disdain the franchise.
The theatrical season otieusMonlelit. but
JllC nnvles-i.ie-illwnvs- with lis. Zm
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What Do You Know?
QUIZ
1. How do gypsies get their name?
2. How long before the Civil "War did
"Uncle Tom's Cabin" appear?
3. 'How many American possessions h.ive a
territorial form of government?
4. What 'was the nationality of Jenny Und,
the famous Hingcr7
6. Who said, "Lord, what fools these mor
tals be"?
C. On what dnto docs IJiillowcen fair
7. From what state was Orant elected Presi
dent?
8. What tiro the two largest cities In Aus
tralia?
5. What Is a petit Jury? '
10. What Is tho npse of u church?
Answers to Saturday's Quiz
t. An argosy Is it largo merchant vessel,
especially of Venlco or Itagus.i Tin
mime Is derived from the latter city
and In Its original form was "ragusy"
It hns not, us In often Inferred, any
relation to, the Argo, the ship of the
Argonauts of Greek mythology
2. The suffix "istan" In such words ai
Ueluchlstnn, Afghanistan. Kurdlstiin
and Arablstan means land or land of.
Ueluchlstnn, therefore, means the Ur.d
ot the Onluclis.
fl. I-oulslana Is tho westernmost state from
which any President of the United
States lniB ever been elected
4. Kiichnry Taylor was this President.
5. Albert Hertel Thorwuldson was a cele
brated sculptor. He died in 1841 One
of his masterpiece:! la the famous Lion
of Lucerne.
6. Tho elder Pitt, "the friend of America,"
and after whom Pittsburgh Is n.inicil,
wns the Uarl of Chatham. The younger
William Pitt was n second son and
henco did not Inherit the title. Both
I'ngllsh statesmen wero prime min
isters of their country.
7. Tho Initials A. M referring to time,
stand for ante meridiem, Ixfors
midday.
8. John Wilkes Booth, who ass.issln.ited
Abraham Lincoln, was tracked to
Howling Oreun, nenr Fredericksburg.
Vn. There he took rcfugo In n barn
and, after refusing to surrender, win
shot. after the barn had been tired, on
April 2G, J8G5.
9. "I differ with you on that subject" Is
regarded us better Kngllsli than 'I
differ from you on that subject"
10. Five nnd u half yards make a rod. pole
or perch.
A Minion of the Moon
IHAVK always loved the moon,
Loved it ornnge, round, und big.
Loved it shrunken, pale and small
Ah it perched upon u twig
Of a poplur
Hy a wall,
I have loved it sharply curved
(Such Cellini might design
Were ltis bend quite clear of wiiic).
As a cradle for n stnr,
Or when birds nrc singing
Sleepily, sleepily,
And the mists lie on the meadows,
A wind comes blowing
My moon away
With the night's dark shadows.
I love this -.noon nil wcnrywhlte,
Weary from guarding
'The stars through the night,
I love tho moon
That comes at smoky dusk
Of Inte October
A jovial Fnlstalr of n moon
That'll none too sober.
And if against ull nature
This moou should -wear a lint,
It would sit a trifle crooked,
I'm very sure pf that !
And, lnstly, moon of moons
The moon that I love best,
The moon in silver drcst,
The moon that climbs
Above the college tower:
Strange but beautiful a flower,
With Its sliver pollen sifting
Down upon tho campus walk.
The elms are etched in silver
Ami tho Lady of the Fountain
Now climbs the strange moon llovver
From tower unto mountain.
Its silver beauty bums more bright
As some one sings
Across the silvery night
"Lord Jeffrey Amherst"
And one moro flippant
Slugs the round . .,
"All the Alums have diplomas so white.
Cheer up, '10! Your own ure in sight-
Turralii, turrala " i
I have ulways loved the moon.
Dorothy Homans, in N. Y. Kveniug los''
The ennny tnxpuyers who do not jj
to have their bills increased by n M'i'-"K ;
lor ueiuy in jniyim-m. . .' they.
ofilcc of the Ux Jet-elver today. fVt SJl '
know that tomorrow Ih the ,1ns day of" . ,
for deuv iii miymeiit am i-nm' . ,
If they wait pntll weunewtiy ni --
I u
iIjtuuy too tug, win uo uu
IS
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