rhe first Indes fac work as of nore, those wl to ues,” what amen, y old, of a ¢, 80 they They ving , and tered vhich fling. more ith a ‘hich, most ering t and Art— sists a dil- plica- yn fine night l his is—a shop. mong deal- lo in- been com- sseur ffects value 1ch— nuine one ama- rare is no man- Vhilet . two vy be take say, will and, this ns off he id is a ws a h out , any ou're | look or by that nd if 1e re ’ The 5 that t and nd ule id of is to some esort. and n, in- t the reat- holi- hints TS to prices gerly that their rning "Now ek by those is to \ine- which . sev- proud ction, tiques ) con- to be eums. hed. ze the » him- alty— anvil nd ad- ciency f pos- y and , task 1SSess- evised native areers . reor- | tech- he In- super- A com- 1» that rs the zeal- build- S Tes. Tranny > num- raging the old ks, in tances carry an be vellers :dding. po en Education in Insurance Need of Schools to Train in Right Methods of Finance and Morality. By Joseph French Johnson, Q Dean of New York University School of Commerce. 00000000000 NTIL. we have business men who have been trained in the 0900000099 |, inciples and right methods of finance, the management of our banks, of our insurance companies, and of great corpor- ations, will not be subjected to wholesome outside eriticism, Things will be done in the dark which ought not to be done. Immorality is usually the joint product of opportunity and 000000000 ignorance. When we have an enlightened business world 10000000000 there will be fewer dark places in it, and opportunities for fraud, concealment, and peculation will be less. The trouble is not that there is a low standard of honor or morality in business, but that there is practically no standard at all. Well-meaning men are often at a loss to determine whether a certain profitable policy is honorable or dishonor- able. Society is just now washing the windows of the life insurance business, and many people are hoping that hereafter when a man buys life insurance he will really get all that he pays for. On that point I am a pessimist, and shall remain one unless the subject of life insurance gets into our schools. We have had investigations before, and profuse promises of reform. In a few years the abuses of life insurance will be forgotten, new companies will be organ- ized: and new men will get control of the old; and then new and wonderful ways of appropriating the people's money will be devised. Publicity will provide some protection, especially if the affairs of insur- ance companies are regularly examined by independent certified public ac- countants, but publicity alone will not be enough. It will put a check on old abuses with which the public are familiar, but it will not compel steady im- provement in the management of insurance companies, or any other corpora- tion. Nor will it create a recognized ethical standard to be observed by cor- poration presidents and directors. Nothing can do that except an enlightened public consciousness, a quick intelligence among the people instantly recogniz- ing and condemning bad methods and unfair contracts, The elements of life insurance and the mathematics of premium rates should be taught in our public schools, while in our universities, departments of insurance should be established, and placed on a par with the departments of science, language, and philosophy. Then men would be properly trained for this great and important business, and gradually we should have the evolu- .tion of an inteliigent public opinion with regard to the good and the bad. Un- til" such a public opinion exists, no matter how sensitive the individual con- science may be, I do not see how we can have a moral standard in insurance or any other business. NRARRARABR ALARA ARN AANA ARRAS Ashi) Uswnsant® Wealthy Ignoramuses 0.3 Marden. Qrnmam&F ooo p b p ) p p p OOOO OOOOOLLLLEE 8 6AAALAAAL. By O. 5. Marden. 0000000008 AS recently talking with a business man who is in the 3 midst of the great activities of New York, dresses well, and * lives well, but who, every time he opens his mouth, con- 2 demns himself, betrays his shocking ignorance of almost * everything outside of his own little specialty. He knows S 00000484 almost nothing about the great men and women who figure ® = @ prominently in current history. He could not even tell the Se0e0eses > Lames of the candidates for the presidency and vice-presi- dency just before last election. He said such things did not It is painful to try to carry on a conversation with such a man. Think of the splendid opportunities for education, enjoyment, and culture which that man with thousands of others, is throwing away! It does not seem possible that a man could do business in New York City and be so igno- rant of everything outside of his own little groove. One would think that some of the millionaires who try to make a show in the world would feel cha- grined when they contrast their cheap, shoddy education, their narrow, limit- ed intelligence, and their rutty minds, their stingy, shrivelled souls, with their mocking wealth and their display of the art works of the masters and the books of great writers in their libraries which they cannot read intelligently. How this ostentatious show of the material mocks the mental poverty, the brain penury! It is pitiable, as well as ludicrous, to see men who are rolling in wealth ignorant of the great world they live in, of the significance of all the principles and conditions which ameliorate and elevate mankind, men who know nothing of art or of science or literature, and whose mental penury is deplorable. They seem to think that a palatial residence, gorgeous furnish- ings, and fine carriages can be substitutes for that which makes a real man or a real womaa. —Success Magazine. interest him. RRLARRL AARC RRR RAR RRR Sova. wefYyw Modern Philosophy Brutalizes Man By Dr. Emil G. Hirsch. Poon) Apri pnSl is much the same as he was a thousand years ago. The same elemental passions, ambitions and appetites obtain. They are the same as those of the animals. Science has brought us to realize this, and our peep into the workshop of nature has had a tendency to brutalize humanity. Our knowledge that man is only one of the company of I brutes has led small men to teach that man in all things is merely a brute. In their desire to unify the world they have jumped at the conclusion that man is no different from the other creatures that tenant the earth. In their passion to show him as a beast, philosophers and authors have reveled in vice and depravity, calling it realism. Society is drifting without a compass. It is a period of transition; the old canons are gone and the new ones have not yet been found. The latest an- nouncement of modern philosophy is that you may do what you want to, but don’t get caught at it. If you do, commit suicide. In this philosophy of bru- tality you have an explanation for the fact that literature always paints life as a struggle between the forces of desire and duty. Never before in the history of the world was there so great a need of mas- ters. Men who will interpret life in terms of sanity and sanctity, of duty and righteousness. LARAARRARRAARR RRR RANA RRQ nani Most oY mprprmniv Dying Men Give No Sign 5 of Care for Future Cpemhifiselife By Dr. William Osler. *NUssenfiyom S a rule, man dies as he has lived, uninfiuenced, practically, by the thought of a future life. I have caretul records of about fives hundred death beds, studied particularly with ref- erence to the modes of death and the sensations of the dy- ing. —Ninety suffered bodily pain and distress of some sort or another, eleven showed mental apprehension, two positive terror, one expressed spiritual exaltation, one bitter re- morse. The great majority gave no sign, one way or the other; like their birth, their death was a sleep and a forgetting. The preach- er was right; in this matter man hath no pre-eminence over the beaslt—"as one dieth so dieth the other.” As we travel farther from the East our salvation lies in keeping our faces toward the rising sun and in letting the fates drag us, like Cacus nis oxen, backward into the cave of oblivion. I would urge the clinical physician as he travels farther from the East to look well to his companions, to see that they are not of his own age and generation. To keep his mind receptive, plastic and impressionable, he must travel with the men who are doing the work of the world, the men between the ages of twenty-five and forty. FOUND IN MAIL BOXES. Pranks of Boys and Slips by Dream ing Adults, Postmaster Busse has learned a good many things since he assumed control of the great postal system centering in the Government builds ing, and one of these is that all the matter found in the street mail boxes does not have to go through the mail One of the downtown mail collec tors recently took into the office a woman's pocketbook containing $75. A card found in the purge bore the name of a prominent family, who was notified to call at the Government building. She appeared much mystified as to the reason for the summons, but when asked if she had lost a pocket- book she promptly described the purse and it was turned over to her, She had lost it, she said, but had no idea that she had placed it in the mail box. “lI mailed a half dozen letters,” she said, “and I suppose I must have dropped the purse into the box at the same time.” Numerous small parcels are found in the mail boxes, put there evident- ly by absent minded persons. Not long ago a much worried man went to the post office in the middle of the night and explained that he had dropped a $20 bill into a box in La Salle street. “lI went to mail a letter,” he said, “and instead of taking the letter from my pocket I took out the bill and shoved it through the slit. No soon- er had it gone than I woke up, but it was too late.” A collector was sent to the box and the money was recovered. Out on the Noriwest Side a mail collector was astonished one day to take from a letter box six sterling silver teaspoons, a razor, a pair of napkins and a stick of candy. Then the owner of the property appeared and identified it. “My five-year-old son confessed,” said the claimant, “that he took the things and shoved them into the mail box just for the fun of seeeing them disappear. He had to stand on his sled in order to reach the box.” One day a youth employed by a big commercial house was sent by his em- ployer to deliver in person an impor- tant document to an attorney, with instructions to hurry back with the paper as soon as the lawyer had look- ed it over. The boy had been out late the night previous and was half asleep. In an absent minded manner he dropped the envelope into the first letter box he came across. When he reached the lawyer's office he sudden- ly remembered what he had done. The envelope was not addressed, although it was sealed, and for a time it looked as if it would have to go to the dead-letter office in Washing- ton before the owner could recover it. The standing of the business house, however. was such that the post office officials consented to turn the envelop over without a delay of several weeks. One of the biggest surprises a mail collector ever received occurred in Hyde Park, when he took from a let- ter box a live sparrow. No explana- | tion was found for the bird's presence | in the box. little creature was but soon recovered The slightly injured, and flew away. The queer things found in the let- ter boxes, however, do not compare in number and variety with the strange stuff the mail collectors take from the package boxes. Many peo- ple mistake these boxes for waste paper receptacles. Old shoes, bottles and worthless articles are found often in these big boxes, but occasionally something of value is discovered not intended for mail. An instance of the sort occurred a short time ago when a State street collector turned over to the sorters at the post office a box that bore neither address nor stamps. From the man- ner in which the package had been wrapped, the clerks came to the con- clusion that it was not legitimate mail, and it was held for a claimant, who appeared the next day. «1 was drunk,” he confessed, “but don’t tell my folks. I had bought some goods at a department store and had started for home. [ was feeling pretty good when I met a friend. ‘What you got?’ he asked me. ‘New shoes? ‘Yep, I answered. ‘Why don’t you send ‘em out by pneumatic tube? he asked. “1 suppose he was ‘joshing’ me be- cause I was so full, but I didn’t see it in that light then. I went along on my way back, when suddenly I spied one of the package boxes. “There's one of those pneumatic tubes now, was the thought that flashed through my muddled head. “I'll just ship thuse shoes home ahead of me. I let 'em go, and here I am.” He got the shoes.—Chicago Post. Ben Franklin's Grave, They had been dining at one of the clubs, very wisely and very well, and the New Yorker was taken out by his Quaker City friend to see the town. In the course of their trip they rode on a street car past the grating in Christ Churchyad, whereat the Phila- delphian pointed and said: “Benjamin Franklin is there.” “Is it possible?” exclaimed the New York man, who, in his youth, had read of Franklin. The car passed on a square to the Friends’ Burying Ground, and the Philadelphian forgetfully pointed at the brick wall, remarking: “Benjamin Franklin is buried there.” “Great Scott!” exclaimed the New Yorker, “is Franklin buried at every street corner in Philadelphia. buried The Right of Interpretation. Somebody suggests that the boy who ran away from home because he didn’t get enough pie has the instincts of a great politician, Wrong. The politician would have stayed at home, stolen the pie and made his mother think she had eaten it herself.—Philadelphia North American, Catarrh Cannot Be Cured With LOCAL APPLICATIONS, #8 they cannot reach the seat of the disease, Catarrhisa blood or constitutional disease, and in order to cure it you mast take internal remedies, Hall's Catarch Cure is taken internally, nnd actsdirectly on the blood and mucoussurface Hall's Catarrh Cure Is not a quack medicine, It was vrescribed by ono of the best physi- clans in this country for years, and is u reg- ular prescription, It fs composed of the best tonics known, combined with the best blood purifiers, acting directly on the mue eous surfaces, The perfect combination ot the two ingredients 1s what produces such wonderful results in curing catarrh, Send lortestimoniails, free, F. J, Cukxey & Co,, Props., Toledo, O, Bold by druggists, price, 75c. dake Hall's Family Lills tor constipation Morley's Epigram. The following comment on Presi- dent Roosevelt is reported to have been uttered by John Morley soon af- ter he had visited the White House: “What do I think of your President? Well, he is a sort of cross between St, George and St. Vitus.''—New York Press. Mrs. Winslow's Soothing Syrup for Children teething softensthegums,teducesinflamma- tion,allays pain cures wind coli .abottis The Vienna poiics are about to experi ment :