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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 :<th a phonograph
Jury Paid the Fine.
A Texas correspondent tells how an
obstinate juryman was circumvented
by his fellow judges of the facts. The
offense charged was assault with in-
tent to murder. After the jury had
been out about two hours it returned
the following verdict: “We, the jury,
find the defendant guilty of aggravat-
ed assault, and assess his punishment
at $25 fine and herewith pay the fine.”
On inquiry as to the meaning of the
last clause of the verdict it came out
that 11 of the jurors had agreed that
the defendant was not guilty, but the
twelfth doggedly hung out for a con-
viction for aggravated assault and
would not consent to a punishment
less than a fine of $25. Finding it
a hopeless tas< to bring over the ob-
stinate one to their way of thinking,
the eleven finally decided to agree with
him and “chipped in” enough to pay
the fine.—Law Notes.
To Keep a Man Interested.
You can’t really expect a man to be
terribly interested in the general
small talk of the home, and no woman
would want her husband to take part
in these trivial affairs. When Mr.
Man speaks of the incidents of the
day at his office let Mrs. Woman lis-
ten attentively, It is easier for her
to be interested in his affairs than it
is for him to become enthusiastic
over hers. One of the pleasantest
ways of spending an evening is to
read a good book aloud. Make your
home cozy and inviting by having
reading lamps lighted, by arranging
nice, comfortable lounging corners
and providing good reading material
and good music.—Chicago Reécord-
Herald.
Radium for Hydrophobia.
Experiments conducted by Italian
professors give hope that radium may
be useful in the cure of hydrophobia.
So far experiments with cancer have
given Fttle enconragement.
Indelible Blue Ink.
The French scientific papers give
these directions for a blue ink that
will resist not only water and oil, but
alcohol, oxalic acid, alkalies, and
chlorides, It is prepared by means of
four parts of shellac, two parts of
borax, two parts gum arabic, and suf-
ficient Indigo to give tne desired color,
The whole is dissolved in 40 parts of
pure water. Commence by putting the
shellac and the borax in 36 parts only
of the water in a closed receptable and
boiling until completely dissolved. Fil-
ter, and then dissolve the gum arabic
in the remainder of the water. Mix
the two solutions and heat for five
minutes, stirring from time to time.
Add the indigo after the liquid 1s cool.
When the preparation has settled for
a few hours, decant in order to sep-
arate the ink from the sediment.
Japan's Largest Industry.
The largest industry in Japan iz
textile, there being some 4,537 fac-
tories of various sizes engagel ‘n this
trade, the majority being centered in
and around Osaka.
worked by steam power,
FITS parmanentiy cured. No fits or nervous.
| ness after first day's use of Dr. Kline's Great
| Nerve Restorer, $2 trinlbottieandtrea sofros
| Dr. R.H, KLINE, Ltd, 931 Arch St. Phila, P
As trade now stands, toere is not
enough gold out of the earth,
“Penny Post’ in France.
France now joins the “Penny Post”
| community, and will presently be car
rying letters all over the repu
to all her colonies for the eq
|of two cents of our money a letter. In
that she is following the example «¢f
the United States and the United
| Kingdom, which have long successful-
ly practised such a tem. Such
transportation of letters certainly
seems cheap enough at present and
there may net scon
call for further changes in that di-
rection. But a lesson which America
may well
that of the parcels post, and it may be
that some day there will be devised a
practical meinod of establishing an
international postage stamp system.
Growth of Filetcherism.
It is diverting and instructive to
read in an Eastern magazine of the
These are mostly |
* pay his
be any effective |
learn of other countries is |
— |
A COLD BROUCHT IT ON,
Severe Congestion of the Kidneys Soem
Cured by Doan's Kidney I"
Richard M, Pearce, a prominent busle
ness man of 231 So. Orange St, News
ark, N. J., says: “Working nights
during bad weather
brought on a heavy
cold, aching of the
limbs and pain in the
back and kidneys, See
vere congestion of the
kidneys followed. Be-
sides the terrific ach.
ing there were whirl
ing headaches, and I
7 N became exceedingly,
weak. My doctor ceuld not help me,
and I turned to Doan's Kidney Pills,
with the result that the kidney conges-
tion disappeared, and, with it, all the
other symptoms. What is more, the
cure has lasted for 8 years.”
Sold by all dealers. 00 cents a box,
| Foster-Milburn Co., Buffalo, N, X.
Way of the Debtor in India.
! They had a peculiar way of going
|into bankruptcy among the Marawaris
| in India now unhappily giving way to
{the less picturesque method of the
[white man. When a man could not
bills he would summon his
| creditors. They were ushered into a
room in which the Thakur or house
lhold god was enshrined, but covered
{up with a cloth and with the face
turned to the wall in order that it
might not witness the scene that was
to follow. The insolvent would then,
in gdrb of mourning, lic on the floor,
| presenting his back to his creditors,
| who, on a given signal, would fall on
(him with shoes and slippers and be-
| fabor him till their wrath was ex-
{hausted. The beating finished honor
| was declared to be satisfied all around.
|—New York Tribune.
| Ducks Roasted on the Fly.
| “It is an ill wind that blows no-
| body any good,” say the residents in the
| vicinity of the burning gas well at
|Caney, and well they might, for as
|as long as the well burns and duck
icontinue to fly, they are prospering
{over others’ misfortune. The heat ris-
ling from the fire extends to a great
| height, and since the beginning wild
{ducks have played the game of the
growth of what is called “Fletcher- {moth and flame, much to their sor-
ism.” This doctrine, in brief, has for {row and distress. No sooner does a
its fundamental idea, simplicity in eat- |duck fly across the forbidden territory
ing; it contends that a human being {than it is caught and baked by %ha
should eat only when and what his
stomach craves; it opposes three hear-
ty meals a day, unles, perchance, the
system demands them eacn day. And
what one eats should be eaten deliber-
ately and chewed thcroughly.—Louis-
ville Courier-Journal.
Chinese Horses.
There is one respect in which, ac-
anese can teach the Chinese nothing
in a military way, and that is in re-
gard to the cavalry. The Chinese
have horses as good as any,known in
i the world, and are born horsemen,
{ who have nothing to learn from Eur-
ope or America. The Japanese are
notably deficient in horsemanship.
Wire Fencing in Rolls.
| Wire fencing is now made in con-
tinuous rolls instead of in sections, as
heretofore. Galvanized wires at the
intersections, fed automatically from
reels, are welded by means of small
transformers
| Never judge a woman's love for
J house-cleaning by her dislike for dirt
cording to a correspondent, the Jap- |
{torrid winds. The neighbors hava
caught onto the fact and near meal
‘time gather near the well and wait
[for the fall of the baked duck, which,
|of course, saves a great deal of time
|and trouble otherwise necessary in the
{ kitchen.—Kansas City Journal.
{
| ——————————
| Weed Fighters.
| The problem of weed destruction i3
perennial in every land. Indeed soil
{culture may be called a neevr ceasing
lwar against weeds. Of the birds that
{aid the farmer in tais struggle the
{bob white, the native sparrows and the
mourning dove are the most efficient.
| They attack weeds at that vital stage,
the seed period; hence their work,
especially against the annuals which
depend on seeds for perpetuation is of
enormous practical value.—S. D. Judd.
Mosquito Has Parasites.
They have discovered that even the
| minute mosquito is a badly infested
with destructive parasite as other ani-
, mals, and the question arises whether
v cultivation of these parasites may
| not be useful in mitigating the pest.
The Coffee Debate.
The published statements of a num-
ber of coffee importers and roasters in-
dicate a “waspy” feeling towards us,
for daring to say that coftee is harmful
to a percentage of the people.
A frank public discussion of the sub-
Jeet is quite agreeable to us and can
certainly do no harm: on the contrary
when all the facts on both sides of any
question are spread before the people
they can thereupon decide and act in-
telligently.
Give the people plain facts and they
We demand facts in this coffee dis-
cussion and propose to see that the
facts are brought before the
people.
A number of coffee importers and
roasfers have joined a movement to
boom coffee and stop the use of Ios-
tum Ifood Coffee and in theit news-
paper statements undertake to deceive
clearly
by false assertions.
Their first is that coffee is not harm-
ful.
We assert that one in every three
coffee users lias some form of incipient
or chronic disease; realize for one mo-
ment what a terrible menace to a na-
tion of civiiized people, when one kind
of beverage cripples the energies and
health of oue-third the people who
use it.
We make the assertion advisediy and
suggest that the reader secure his own
proof Ly personal inquiry among coffee
users.
Ask your coffee drinking triends if
they keep free from any sort of aches
and ails. You will be startled at the
percentage and will very naturally seek
*o place the cause of disorder on some-
thing aside from coffee, whether food,
lulerited tendencies or something else.
Go deeper in your search for facts.
If your friend admits occasional neu-
ralgia, rheumatism, heart weakness,
stomach or bowel trouble, kidney com-
plaint, weak eyes, or approaching ner-
vous prostration induce him or ber to
wake the experiment of leaving oft
coffee for 10 days and using Postum
¥ood Coffee, aud observe the résuit. It
will startle you and give your friend
something to think of. Of course, if
the person is one of the weak ones and
1says “I can’t quit” you will have dis-
covered one of the slaves of the coffee
| importer. Treat sucli kindly, for they
! seem absolutely powerles§ to stop the
gradual but sure destruction of body
and health.
Nature has a way of destroying a
part of the people to make room for the
i stronger. It is the old law of “the sur-
vival of the fittest” at work, and the
victims are many.
We repeat the assertion that coffee
does harm many people, not all, but au
army large enough to appall the inves-
tigator and searcher for facts.
The next prevarication of the coffee
(importers and roasters is their state-
ment that I’ostum Food Coffee is made
of roasted peas, beans or corn, and
mixed with a low grade of coffee and
that it contains no nourishment.
We have previously offered to wager
$100,000.00 with them that their state-
ments are absolutely false.
They have not accepted our wager
and they will not.
We will gladly make a present of
| $25,000.00 to any roaster or importer of
old fashioned coftee who will accept
that wager.
I'ree inspection of our factories and
methods is made by thousands of peo-
ple each month and the coffee impor-
ters themselves are cordially invited.
Both Postum and Grape-Nuts are ab-
solutely pure and made exactly as
stated.
The formula of Postum and the an-
alysis made by one of the foremost
chemists of Boston has been printed on
every package for many years and is
absolutely accurate.
Now as to the food value of Postum.
It contains the parts of the wheat berry
which carry the elemental salts such
as lime, iron, potash, silica, etec.. ete.,
used by the life forces to rebuild the
cellular tissue, and this is particularly
true of the phosphate of potash, also
found in Grape-Nuts, which combines
in the human body with albumen and
this combination, together with water,
rebuilds the worn out gray matter in
the delicate nerve centres all over the
body, and throughout the brain and so-
lar plexus.
Ordinary coffee stimulates in an un-
natural way, t-ar with many people it
slowly and sureiy destroys and does
not rebuild this gray substance so vi-
tally important to the well-being of
every human being.
These are eternal facts, proven, well
erly educated physician, chemist and
food expert.
Please remember we never say ordi-
nary coffee hurts everyone.
Some people use it regularly and
seem strong enough to withstand itd
attacks, but there is misery and disease
in store for the man or woman who
persists in its use when nature pro-
tests, by heart weakness, stomach an
bowel! troubles, kidney disease, wea
eves. or general nervous prostration.
The remedy is obvious. The drug caf-
feine, contained in all ordinary coffee,
must be discontinued absolutely or the
disease will continue in spite of any;
medicine and will grow worse. :
It is easy to leave off the old fash-
ioned coffee by adopting Postum F
Coffee, for in it one tinds a pleasin
hot breakfast or dinner beverage tha
has thie deep seal brown color, chang
ing to a rich golden brown when good
cream is added. When boiled long
enough (156 minutes) the flavor is not
that of rank Rio coffee but very like
the milder, smooth and high grade
Java, but entirely lacking the drug ef
fect of ordinary coffee.
Anyone suffering from disorders set
up by coffee drinking (and there is an
extensive variety) can absolutely de-
pend upon some measure of rellef by
quitting coffee and using Postum Food
Coffee.
If the disease has not become too
strongly rooted, one can with good rea-
son expect it to disappear entirely in a
reasonable time after the active cause
of the trouble is removed and the cellu.
lar tissue has time to naturally rebuild
with the elements furnished by Pos-
tum and good food.
It's only just plain old common sense.
Now, with the exact facts before the
reader, he or she can declde the wise
course, looking to health and the pow-
er to do things.
If you have any doubt as to the
cause of any ache or ail you may have,
remember the far reaching telegrams
of a hurt nervous system travel from
heel to head, and it may be well worth
your while to make the experiment of
leaving off coffee entirely for 10 days
and using Postum in its place.
You will probably gather some good
solid facts, worth more than a gol
mine, for health can make gold and
sickness lose it. Besides there's all
the fun, for it's like a continuous futere
nal frolic to be perfectly well.
There's a reason for
POSTUM
authenticated and known to every prop-
Postum Cereal Co, Ltd., Battle Creek, Micki