9CZ 11 Practical Workings of Oklahoma Dank Deposit Gunrnntco Law Explained. Bookless Banking and Speculative Mothodo Follow Passage o Law. The practical workings of tho Okhi honin law guaranteeing bnnk deposits wore described ly Mr. .7. W. McNonl, ono of the most Biibstnntlnl Imnkcrs of Hint state, and president of tlio Na tional Ilnnk of Commerce, Guthrie, In n short public address at Denver, Oct. 1, 1008. Mr. MeNenl said: "To my mind It Is tho most vicious and pernicious law over forced on n body of honorable men. It contain a provision for nu unlimited mutual lia bility for nil the defalcations, lack of Judgment, dishonest and Incompetent backers, without nny recognition of tho time-trial, strong banker, who may huvo spent n llfetlma In building up his reputation. Under tho provisions of this law, the State Hanking Hoard Is, required to levy an assessment equal to ono per cent, of the average deposits In each bank, nnd, In the future, to tovy ns often as may bo required, a sum sufficient to mitlntnlu this fund, at ono per cent of tho average deposits of tho state. Wild Cnt IlnnUn. "Whnt has been somo of tho results of tho actual operation of this law in Oklahoma? There have been seventy ftven now stnle bank charters Issued since tho adoption of this law, forty, two of theso with a capital stock of only $0,000 each. There has been a regular heglra for shirting new state banks without regard to the necessities of the community or the character of tho men stnrtliig the banks. "We havo ono lnstnnco of whero n man failed In Knnsns, under his own name, then started up In business under his wife's nnme and failed, beat ing his creditors out of $70,000, not paying them n cent. Under the old ter ritorial law, he attempted, under tho guise of relatives to start n bank, but In two years his business wns so trilling that It forced him out of the. business. He now Iuih already started threo banks In Oklahoma and boasts that ho will start twelve more. "Within sixty days from starting ono of lilrf banks, I am Informed, and his statement shows, thnt he had a deposit account, of oyer $109,000. Ills cashier Is under Indict ment for embezzlement. I hope and trust that he will bo nblo to explain the mnttcr without wrong to him. I only mention theso facts to show that It Is Immaterial what character of ni'in are at tho head of banks, they get tho business by claiming that tho state Is guaranteeing them and It makes no dlffercnco whatever ns to tho diameter or personality of the olllcers. A man may bet nil his money on tho races, may gamblo on tho Hourcl of Trade, may light Joint whisky, may lead a licentious life, and go out nnd solicit deposits, saying 'What do you enro whnt kind of a life I lend, tho stnto Is behind mo?' naiiku Without Cnpltnl. "Two men recently stnrtcd a bnnk of $25,000 capital, In Oklahoma City, n town of forty or llfty thousand Inhab itant!. When asked how they expected to succeed wllh n bank of $25,000 cap ital In u city of that size, ono of them replied: ''Whnt do wo care about cap ital, tho Btato Is In partnership with us?" Tho president of tho First Na tional Ilnnk of Perry wns also a mer chant and failed In business and was compelled to go through bnnkruptey. Naturally ho had to resign his connec tion wltli tho First Nutlonnl Hank. Ho How Iuih taken out n chnrter and Is president of n statu bnnk In Oklnhnmn. Ono man, when prohibition closed his snloon, quit tho snloon business nnd stnrtcd up n bank and- has thirty or forty thousnnd on deposit. "Thoro can bo but ono deduction from this enormous rush for starting now state nanus. They nro being start ed by Irresponsible, Inexperienced men, nnd, Instead of Indicating a boIUI growth for tho stnto of Oklnhomn, they Indlcnto an era of Irresponsible nnd wlld-cnt work. "Ono of tho dangerous ovlls of this Gunrnnty Law Is that it guarantees creuit deposits us well ns cash deiuis Its. Now, you nil know thnt not more man ono-tcutii or n bank's dally denos Its nro In nctual cash. Nluo-tenths are credit deposits, nro either checks nnd drafts or proceeds of loans. W'lw these- credit deposits, that nro mnde as tho proceeds of n loan, nro cunranteed tho guaranty certainly reaches to thu guaranteeing of tho loan Itself, for tho reason that tuu deposit Is merely the result of the loan. When Mr. Tnft defends his own rec ord ns a Judgo or his attitude, toward lnbor or his. policy In tho Philippines or his ndmlnlstrutlvc work In tho War Department, ho makes strong and vig orous speeches. Now York World (Dem.). Whnt I urn nnxlous to t'inplinslr.e Is thnt there to a wide economic and bus. InesH field In which the Interests of tho weul thirst capitalist mid tho humblest laborer are exactly tho same. Hon. Wm. II." Tart, nt Cooper Union, New York City. TO MIDDLE WEST AND ROCKY MOUNTAIN STATES' REPUBLICANS. Vou want Mr. Taft and Mr. Sherman elected, nnd they cannot be elected unless tho Republican National Committee hns sulllclcnt money to pny tho legitimate expenses of the campaign. It costs money to maintain nn organization. It requires money to pny for printing, post nge, salaries of stenographers nnd clerks at hendiiunrlers, traveling ex penses of speakers nnd numerous other details that go to make the campaign end successfully. Congress, ns you know, hits passed a law making It tinlnwftil for uk to solicit money from corporations. 'o must depend upon tho contributions of Individual voters. If every Rc inibllcan In this Western Division would contribute one dollar to tho campaign fund, wo will bo able to do nil tho things that the voters want done; we will Iks able to elect Taft nnd Sherman. Will you help? If so, please send ono dollnr to tho chairman of your State Flnnneo Committee, whoso nnme nppcnra In the list following, or send It direct to mo and you will receive the ofllclal receipt of the Itepubllcnn Nn tlonal Committee. Respectfully, FRED W. UPI1AM, Assistant Treasurer. Contributions mny Iks sent by check or money order to any of the following napicd chairmen of tho vnrlous Stnto Ilnnncc committees: Colorado, Hon. Whitney Newton, Denver. Idaho, Hon. Frank F. Johnson, Wnllaco. Illinois, Col. Frederick II. Smith, Pcorln. Iown, Hon. Lafayette Young, Des Moines. Knnsns, Hon. Frank K. Grimes, Top&kn. Michigan, Hon. John N. Hnglcy, Dotrolt. Missouri, Hon. O. L. Whltelnw, -10!) North Second street, Stl Louis. Montana, Hon. Thomas A. Mnrlow, Nebraska, Hon. John ('. Wharton, New Mexico, Hon. J W. Heynolds. North Dakota. Hon. Jiimes A. Huchnnan, Huchannn. Oregon. Dr. H. W. Coe, Portland. South Dakota, Hon. 0. W. Thompson. Vermillion. Washington, Hon. J nines I). Hoge, Seattle. - Or to Fred W. Upham, Asslstnnt Treasurer, 2.'J1 Michigan nvenue, Chicago, Illinois. "I hnve heard It discussed, nnd I think It feasible for a dishonest tunn or set of men to organize n $10,000 bnnk, then create n lot of llctltlous do iwslts ns the proceeds of n lot of dum my notes, then let the bnnk closo Its doors and call on the gunrnnty fund to pay theso deposits. Naturally, the de posits will be credited to men In no wny identified with tho noto Itself. "We had one bank failure In my town for something like $1,000,000. This would hnvo tnken more thnn five per cent assessment on tho deposits of tho stnto bnuks of Oklnhomn. Supiioslng n bnnk had $100,000 deposits on u capital stock of $10,000. Fifty per cent, or one- hnlf of its cnpltnl stock, would bo con llscntcd to make up tho ono loss. It Is more dnngoroiiH to tho honest, smnll banker than to tho large one, becnuso the lnrgo ono can prepare himself to weather the storm. "Under giilso of this law nn attempt Is being mndo to put all banks on nn exact equality. Tho man who hns spent n lifetime In building up nu honorablo reputation is sacrificed for the nako of making some poor, incompetent, dis honest hanker exactly equal to him. It Is a mistnko to supposo thnt wicrlllclng the assets of tho solvent bank Is going to prevent tho rascal from falling. Thcro is more money In It for him to fall, under this Inw, thnn thcro will bo to run." REMEDY WOULD KILL. Hard, Painstaking Work Necossary to Reforms Not tho Instantnne oua Panacona of Bryan. (Governor Hughes at Sioux City, In., Oct. 0.) If you look conditions squarely In tho fact, you see that what labor wants llrst of till Is work, nnd that Is depend ent upon tho country's prosperity. It Is hard to protect tho prosperity of tho country nnd cut out nhuses; hard to provldu schemes that won't hurt busi ness nnd will euro evils. It Is hard to do things right, but wo havo got to tnko the time and labor to do them right. In nnswer to a question I put to him tho other day Bryan said, thnt nn ounce of remedy wns worth n pound of cure. Thnt Is a fnlllcy; nn ounce of his rem edy would kill tho pntlcnt, What wo need Is tho expression of tho sound thought nnd good Judgment of tho peo ple upon which wo can depend. huvo hnd n time for two yenrs In New York lighting tho light nnd I know it Is lmrd work. You can't havo a flash of ftohlua nnd change It all in a twinkling,. What you havo to havo Is work uurtl.Ji.-on- sclentlous work, Intelligent nnd thought ful, ns well ns determined, to make remedies square with tho exigencies of our life. When wo consider everything, what wo want Is to perfect tho upbuilding of our country and promoto a stendy, for ward movement In tho middle of tho road, as Is the aim of tho Itepubllcnn parly and our great futuro President, Taft. It Is greatly In tho Interest of tho workluginan, therefore, that corporato cnpltnl should bu fairly treated. Any Injustice dono to It nets directly upon thu wnge earners, who must look to coc iwrato wealth for their employment. Hon. Win. II. Tuft, at Cooper Union, Nuw York City. "The so-called colonial policy of the United Stntcs has added to our trade, nlrendy, something over ono hundred million dollnrs a year." Mr. Taft, at Clovelnnd, 0. Political Snapshots. "Tho leader of tho Uepubllcan party during the Civil War was Abruhnm Lincoln, and It hns never lost the In spiration of his leadership," Mr. Taft, at Kansas City, Mo. Tho tnrlff nffects trusts only ns It affects nil other Interests, It makes alt theso Intercuts, lnrgo or small, profit nblo; and Its benefits can bo tnken from tho lnrgo only under penalty of taking tliom from the small also. President Hoosevclt, nt MlnnenpollB, Minn., April 7, 1003. llelenn. Omaha. Santa Fe. LETS OAT OUT OF BAG. German Manufacturers to Flood America With Goodi If Bryan Should bo Elected. Tho following cablegram to the New York Sun under date of Oct. .1 shows what German nianufncturers expect to do should Hryan bo elected: "Hcrlln, Oct. Tho gladiatorial tight between President Roosevelt and Mr. Hrynn has suddenly nroused Ger man Interest In tho American Presi dential caftipnlgn nnd columns nro now devoted to extracts from tho niammojh cnmpnlgn documents of the combatants. German hopes of Democratic victory have been revived and many merchants and manufacturers have suddenly grown optimistic about a revision of the tariff which will enable them to flood America with thvlr poods." Tho German manufacturers evidently are shrewd observers. If Mr. Hrynn should bo elected and his "downward revision" doctrine with ultltuato free trade bo carried Into effect we would soon 1k Hooded with German-made gowls of every description, nnd our fac tories could go out of business. I'i-otc;ttv Tariff Tlicnrr. On tho other hnnd, should Mr. Tnft bo elected our friends the Germnn man ufactijrcrs would not be nblo to brenk through the wall of protection which would bo mnlntnlncd for tho benefit of American labor. Tho protective-tariff theory as de fined in tho Republican platform, nnd ns adhered to by Mr. Tnft, Is that In order to maintain high wages In this country thoro must bo "tho Imposition of such duties ns will cqunl tho differ ence between tho cost of production nt homo nnd nbrond, together with n rea sonnblo profit to American Industries." Mr. Taft points out that the cost of pro duction Is determined chielly by theso three elements : "Thocost of material, tho cost of lnbor nnd tho Interest on capital, or what Is known as tho manu facturer's profit." "Tho normal oiterntlon of protection, whero comimtltlon has free scope," Mr. Tnft nsserts, "Is to lower the cost of producing nnd so to reduce prices to tho public. As n consequence, nfter ten yenrs' operation of a particular sched ule, It ought to result that the cost of production In this country Is mnde less, nnd therefore thnt tlto difference be tween tho cost of production In this country nnd nbrond Is less, nnd there fore thnt the duty ought to be reduced." Duttrn of Next A ttuiliilnlrit (Ion. Tho function of the next ndmlnlstrn tlon Is not to be spectacular In the en nctnicnt of great statutes laying down now codes of morals or nssertlng n new standard of business Integrity, but Its work lies In tho detnlls of furnishing men and machinery to aid the hand of tho executive In making the supervision of tho transactions (of corporations) so closo, so careful, so constant, that tho business men engaged In It may know promptly when they are transgressing tho Hue of lawful business limitations, nnd may bo brought up standing when over this occurs, nd may bo prosecuted when tho violations of law are flagrant nnd delimit, and promptly restrained nnd penalized. Judgo Taft, at St. Charles, Mo. . Hrynn Is developing Into n real hu morist. Ho has advanced so far along the lino that ho can now announce him self as "tho advance agent of prosper lty" without cracking a smile. Sioux City Journal. Tho Republican party Is not only rich lu men, but rich In practical nnd beneficlent principles It Is rich, too, in Its record, In promises performed and pledges fulfilled, nnd so we nre for party and party principles first, nnd will ncqulesco in tho choice of the mn Jorlty, rallying around the standard bearer who will curry us again to vic tory. nonJaniea S. Sherman. "Tho present business system of the country rents on tho protective tariff and any attempt to change It to n free trade basis will certainly lead to dU nster." Mr- Tuft, nt Columbus, 0. IAT M TO THE FARMER In 1893 Two Hundred Bushels ol Kansas Corn Bought 1,000 I'cct of Lumber. Now Ono Hundred Bushels Buys 2,000 Poet A Concreto Illustra tion Showing Why Land Values Havo Increased. Out In Knnsns a great dcnl Is being said just now about the lumber trust, the high prices of lumber nnd the ter rible expenses attached to the building of houses, cribs and other buildings, nays the Jewell County Republican. The principal buildings being erected this fall on tho farms aro corn cribs In which to store nway the immense crop which was raised throughout Cen tral Kansas, and Is now matured and will bo ready for the crib In a very short time. In a political discussion here the other day the old story of tho high prices came up nnd It wns as serted that a large amount of corn would necessarily be placed on tho ground this yenr because of the high price of lumber. Ono fanner who has no particular lovo for the trusts, but Is Inclined to look on the bright side of everything nnd who Is well satis fied with present conditions, declared that In 18!).", when lumber wns very cheap, nnd likewise com, It took -'00 bushels of corn to buy 1,000 feet of cribbing lumber. Now, when lumber I nt the highest point It ever reached In the history of Jewell County, 100 bushels of corn will purchnse 2,000 feet of cribbing lumber. According to J. W. Berry, of this county, who Is a good nulhorlty on tho prices of farm prod ucts and lumber, nnd makes this asser tion, using corn as a purchasing power, lumber Is only one-fourth as high as It was thirteen years ago. 2Vr on Hntty Street. Although this county is in tho whent bell of Kansas, mnny of the farmers havo raised corn. Both crops wero Just like they had been made to order, nnd tho prices will place tho tillers of the soil on F.nsy street for somo years to come. In Jewell County there Is a funn which has been on the market for sale for tho past year, and was held nt $20 nn ncre. Tho farm consists of 120 ncres. Fifty acres nre planted to corn. The other day tho entlro crop wns sold for $t(J nn ncre, the purchaser to gath er tho com, lenvlng tho fodder on the ground. A part of the field will bo light and will not average more than twenty bushels to tho ncre, whllo tho remainder of tho field will give up from forty-five to sixty hushols. Fifty acres of tho land was planted to wheat and tho value of tho crop was cqunlly ns great ns the crop of corn, while the flvo-ncro pntch of alfalfa produced oven moro money in proportion thnn either of thu other two crops. Vnlucn InoroiinoU rvo Tlinpn. There nre no Improvements whntover on tho farm, but the price has boon raised .100 jor cent nmMhc owner Is not very nnxloii3 to sell nt thnt. How ever, he snys If ho hnd the slightest Idea thnt Hrynn would bo elected on tho third of November he would sell his lnnd nt $30 an acre, and In two yenrs ho could buy It back and ninko moro money thnn by farming it. In this county there Is nnother farm which was sold In .1801. There nro SO ncres In the fnnn. nnd the purchnse price wns $500, or 5,000 bushels of corn nt tho prevailing prlco nt that time. In tho meantime, tho SO hns been considerably Improved. A part of tho lnnd hns been put to tnme grnss, a lino orchard Is now one of tho assets, good buildings havo been erected nnd tho lnnd hns grown more vnlunblo be cause of the development of tho coun try. This month tho land wns sold ngaln, tho purchase prim being $2,500, or the price of 5.000 bushels of corn at tho present price. IlrnNoun Tliul Am Still Oooil. "I am sending Taft to the Philip pines," said President) MeKInley, "be cnuso he Is tho broadest nnd the most unselfishly bravo man I know, and bo cnuso ho will carry the spirit of tho con stitution of the United States In his very blood." Theso seem to be excellent reasons nlso for sending Taft to tho White House. The American peoplo will undoubtedly show on November l that they hnve come to that conclusion. Canton, 0., Repository. "In his own personnl experienco Mr. Bryan furnished proof that the peoplo do rulo. Ills candidacy now Is a pro tost against tho popular verdict twlco officially recorded. He Is nrraylng his soaring ambition against thu repeated decisions of the millions of electors." Hon. James S. Sherman, Republican Vlco Presidential candidate. Tho effect of the organization of ln bor, on the whole, hns been highly beneficent principles It Is rich, too, employment for tho wholo lnborlng community. I hnvo not tho slightest doubt, and no ono who knows nnythlng nlKMt the subject can doubt, thnt the existence of labor unions steadies wages, Hon. Win. II. Taft, nt Cooper Union, New York City. A gift for nppolutlng tho wrong man would not be a desirable quality In a president. ROUND THE CAPITAL Information and Gossip Picked Up Ilere and There In Washington. Prospects for Social WASHINGTON. Again tho tldo of society has turned. It Is no longer whero to go, but when to re turn. Society has hnd Its fling, and n merry ono It hna been, despite all thnt hns been aald to tho contrary, and now tho moro serious considera tions of homo ltfo conio to tho front. With tho Bummor's gnyetlcs In Bar Harbor nnd Newport now only a memory, tho fashionable Bet Is of vnrl ous minds ns to whero to spend tho noxt month. Virginia Hot Springs holds out n beckoning hnnd to those who hnvo rovciled In tho summer's dissipations. But in Washington tho curtnin has been rung up and tho stago sot for the coming Benson by tho arrival of tho president nnd Mrs. Roosovclt, and tho raising, of questions which necessi tate tho return of tho ofllclal fnmlly, ns tho cabinet Is called. Tho opening of tho winter season Is In the dim fu Tragic Coincidence IT Is a tragic coincidence that tho two distinguished members of diplo matic corps who havo recently died Minister Hnugo of Norway and Am bassador Speck von Sternberg of Ger mnny should havo both been sur vived by beautiful nnd childless widows, who at somo tlmo In their girlhood claimed tho samo city, Louis ville, as tholr homo. Tho dramatic Badness of tho dual Incidents still hangs llko a pall over that Inner clrclo of Washington so ciety whero tho two happy couples shono ns regnant lights. That both men died In their father land wbon oh temporary visits thoro with their Amorlcnn wives, dooming tho young widows to solltnry Journeys homo, la a further pathetic parallel. Baroness Speck vo"n Sternberg, tho later of tho two diplomatic women to bo bereaved of an idolizing husband, returned from abroad recently and has No Hunters to Accompany the President NO JOBS FOR' HUNTER'S I THE army of rough riders, trappers and men who "catch 'cm alive with their hands" who hnvo been looking for ward to tho president's African trip In quest of big gamo as an occasion in which thoy would play a part, will bo disappointed. Mr. Roosevelt nnd his son Kermlt, ono taxidermist, and ono naturalist from tho Nntlonal museum will consti tute tho Roosevelt party. Thoy will bo tho only Americans In It. Just how largo a following of natives will bo necessary tho president himself does not yot know. Although tho president la to recolvo ono largo dollar for each word written by him about tho trip, ho is not con templating tho throwing of money right and loft to equip himself for the novel oxporienco of shooting real big gamo. By tho tlmo tho president will havo been "separated" (this Is tho word Insane Hospital to THE Government Hospltnl for tho In anno has Just oponed its male nurscB' homo. Tho building Is designed to accom tnodato a largo nuinbor of tho mnlo nurses nnd nttondanta who havo bore toforo been quartered in buildlnga In which pntionta woro cared for. Thoy will bo enabled under tho now condi tions when work on tho warda 1r over to go to a, building romoved from tho pntlents and containing homelike up polntmentB. Tho need of su.h a homo hns boon recognized by tho hospltnl nuthoritlos for a long time In tho plans originally prepared for tho extension of tho asylum thoro wne provision mado for tho erection of such n structure. It was finally ollmlitted. A building threo stories high, how ever, was ercctci for tho female 1 tiorr Season Are Bright turo, but with tho White Houso opened many of the embassies will follow suit. Washington is a great gathering plnco for conventions, especially In tho autumn, and this year tho season opened with tho Tuberculosis con gress, which brought together distin guished mon from all parts of tho world, ninny of them with tholr wives and other fcmlnlno kin. This mnde necessary a reception or two nnd mnny luncheons and dinners, nnd theso stnrtcd tho ball rolling. Although tho ball mny alow up when tho delegates depart for their English, French, Ger mnn, or other homes, it will bo kept going on tho way toward tho new year and a new administration. Moantlmc. thoro will bo tho official opening of tho Whlto House, with a ro coptlon for congress nnd tho Introduc tion of Miss Ethel Roosevelt into so ciety.. Miss Roosevelt Is planning to hnvo a stream of young houso guests nnd all the "cousins" will tnko turns nt Joining in tho entertainments, of flclal and otherwise. Mrs. Nicholas Longworth will chaperon her sister on most occasions, relieved by her undo, Admiral William S. Cowlcs, who filled tho samo gonial ofilco for Mrs. Long worth when she made her debut. in Death of Envoys begun tho packing of her effects at tho German orabaasy. SI10 has a right to tho Balary of her husband nnd to tho occupancy of tho embassy In Washington for threo months after tho ambassador's demise. As tho widow of a diplomat who died In service, tho former beautiful Miss Langham of Louisville will enjoy a considerable pension from tho Germnn government. No moro sumptuous hospitality wbb lavished In Washington than that emanated from Baron von Sternberg nnd Ills peculiarly alluring Kontucky wife. Tho whlto ballroom of tho Ger man embassy during tho Incumbency of tho Von Sternborga has been tho Bccno of princely festivities. Tho pathetic llttlo diplomat with tho gentlo wistful face that always ap pealed, was a man of large personal In come. No woman In Washington dressed moro exquisitely than tho wife of whom ho was so Justly proud. Tho invalid diplomat, because of the dotormlncd malady that finally closed his enreor, appeared seldom In society laot winter. His presence with his wlfo at tho last state function of tho season nt tho Whlto Houso was the oc casion of heartfelt congratulations nmong his friends. Thoy bolloved ho I was better and going to get well. used In Washington) from tho govern ment servlco nnd tho monthly chock for $4,1G0.CG 2-3 will bo going to somo other man. It will bo incumbent upon him to mind hla pennies, elso, Instead of n trip of profit, It will develop Into ono of cxponso. President Roosevelt does not yet know tho scientists that aro to accom pany him. AH ho knows. Is that ho In tends presenting specimens of African nnimnls to tho National musoum, and1 that ho has naked thnt institution to send along two men, ono to preserve tho specimens nnd the other to make notes that will bo of benefit to natural history. No definlto Itinerary has been yet arranged. Tho president will go whero ho can find tho game, and if ho falls to find It ono placo ho will go to another, and when ho has found it ho will camp thero. Tho delallo of tho trip will not ho arranged, therefore, until nfter ho has consulted hla guides, who will not bo from tho United Stntcs. Tho caravan will bo mustered In after he reaches tho African coast. Reports that tho president has ac cepted an Invitation from this or that official or dlgnltnry aro also premature. Tho president hna received no lnvl tatlons and hla plans nt present will hardly admit of his accepting any. House Male Nurses nurses and attendants when tho hoa pltal extension waa completed. As no appropriation was avallablo for tho construction of a building for tho male nurses, ail that it was possible to do waa to remodel ono of tho buildings already on tho hospital reservation. Tho building finally Belected la what was known ns tho oast lodge. Several yenra ago It was utilized for female pa tlonts. It Is n combined throe-story nnd two-story brick building. Entirely remodeled to meet tho re quirements of tho situation, It con Inlns 33 roomy apartments, capnblo of providing for nbout 58 mon. It la lighted throughout by electricity. Lava tories, shower bnths nnd bathrooms, nil lined with Vermont marble, aro on each floor, On tho first floor Is a largo club or reception rooss running tho entire width of tho building, which will bo used ns a reading room or pos sibly ns a billiard room. Employes who nro to occupy tho building aro being nssigncd to quartors thoro now, nnd thoy havo expressed themselves ns pleased at their now sur roundings, which thoy regard as mak ing for their comfort and pleasur after working hours. ,