INSURANCE SECTION.
The Omaha
Sunday
Bee.
PAGES 17 TO 24.
ESTABLISHED JUNE 19, 1871.
OMAHA, SUNDAY MORNING, MARCH 12, 1903.
SINGLE COPY FIVE CENTS.
THOMAS BRENNAN, President.
A. J. LOVE, Vice President.
FRANK J. HASKELL, Secretary.
mtiati-Lov
C
ornpany
Certificate of Publication
BTATE OF NEBRASKA. OFFICE OF
AUDITOR OF PUBLIC ACCOUNTS.
LINCOLN. Feb. 1. 190S.
TT 19 HEREBY CERTIFIED, That the
American Bonding; Company of Baltimore,
In the state of Maryland, has compiled
with the Insurance Uw of thin State, ap-
Fllcable to ouch companies, and la there
ore authorial to continue the business of
Fidelity end Surety Inaurance In thla State
for the current year ending; January . Slat.
JDO
BUMMAllY OF REPORT FILED FOR
TUB TKAR ENDING DEC. 1ST liwi.
INCOME.
Premiums $t;3f.l 30.08
All other source. U7.O10.41 ..,.
Total I TO2.130.49-
DISBURSEMENTS.
Paid policy holdera HI 1,874 T,
All other payment.... 777.178. 4S
Total 11,089,062.75
ADMITTED ASSETS -
1."57,7SL!
LIABILITIES.
fnpald .Claims and Ej(- . .
senses : $12.S62.4 .
Unearned Premluma.... JU.092.37
All other liabilities -$ F17.22I.1S
Capital atock paid ut.. byO.WO.OO
Surplua beyond Capital
Stock and other lia
bilities 410,557.11-1 910 8N7.11
Total . Il.757.7gl .
Witness my hand and the aeal of the
Auditor of Public Accounta the day and
year first above written.
E. M. SEARLE, Jr.,
i Auditor of Public, Accounta.
(Seal) JOHN L. PIERCE,
' Deputy.
Certificate of Publication
STATE OF NEBRASKA. OFFICE OF
AUDITOR OF PUBLIC ACCOUNTS.
LINCOLN. Feb. 1. 1906.
IT IS HEREBY CERTIFIED. That the
New York Plate Olaaa Inaurance Company
of New York, In the atate of New York,
has complied with the Inaurance Law of
thla atate, applicable to Much companlea,
and la therefore authorised to continue the
business of Plate Glass Insurance In thla
state for the current year ending January
SlBt, 1906.
K I'M M A RY OF REPORT FILED FOR
TUB YEAR ENDING DEC. 81ST, 1304.
INCOME.
Premiums I466.69S.69
AIL other aourcea 24.516.20
Total $481,211.79
DISBURSEMENTS.
Paid policy holders $156,837.17
All other payments 866,aa.40
Total t510.6M.64
ADMITTED ASSETS ' '
IG94.224.7
LIABILITIES.
Unpaid Clalma and Eat-
penses $ $.890.
Unearned Premluma 233,481.20
All other ljabllltlea. ...... 10.1K7.5H-2i7,00.M
Capital atock paid up... 2u0, 000.00
Surplus beyond Capital
. Stock and other liablll- '
tiea 7,2n.80-447.217.80
Total
...w.-..t4.2tS.7$
Witness any hand -and" the - aeal of the
Auditor of- Public Accounta tke day and
year Brat abore written. ""
E. M. SEARLE. Jr..
Auditor of Public Accounts.
(Seal) ... JOHN I PIERCE.
' , Deputy.
EVERY KNOWN KIND OF INSURANCE
Room Na I, New York -Lift? Building.
Nebraska General Agents
4f '
AMERICAN BONDING COMPANY OF BALTIMORE,
Fidelity, Court, Contract and Saloon Bonds, Bank, Rsidju.e and Burglary Iiisnrnn:e of ev.ery description.
VTHE TRAVELERS' rNSURANCE COMPANY OF HARTFORD,
Employers Liability, Accident and Health Insurance. '
NEW YORK PLATE GLASS INSURANCE COMPANY OF NEW YORK.
CALEDONIAN FIRE INSURANCE COMPANY OF SCOTLAND,
SUN INSURANCE OFFICE OF ENGLAND,
STATE INSURANCE COMPANY OF OMAHA.
Omaha Local Agents:
CALEDONIAN INSURANCE COMPANY PF SCQTLAND.
CITIZENS INSURANCE COMPANY OF MISSOURL .JcA-
, " ' NORTH BRITISH INSURANCE COMPANY OF :LApi ; -
- , '.ASr.. phentx insurance company;:of Brooklyn,
SPRING GARDEN INSURANCE COMPANY OF PHD-ADELPHIA, ,
. . SUN INSURANCE COMPANY. OF ENGLAND; :
; STATE INSURANCE COMPAQ -OF NEBRASKA
. t.t"
-i T; 1
. f
Certificate of Publication
STATE OF NERRAflKA, OFFICE OF
AUDITOR OF PUBLIC ACCOUNTS
LINCOLN. Feb. t, IK.
IT IS HEREBY CERTIFIED. That the
Sun lnmirance Office of London, England,
has compiled with the lnmirance Uw of
this state, applicable to such Companies
and la therefore authorised to continue
the business of Fire and Lightning In
aurance in thin state for current year end
ing January Slat. ISO.
Wltnesa my hand and the aeal of the
Auditor of Public Accounts the day and
year first above written.
K. M. SEARLE. Jr..
Auditor of Public Accounta.
(Seal) JOHN U PIERCE.
Deputy.
Certificate of Publication
STATE OF NEBRASKA. OFFICE OF
AUDITOR OF PUBLIC ACCOUNTS.
LINCOLN, Feb. 1. 1906.
TT IS HEREBY CERTIFIED. That the
Spring; Garden Insurance Company of Phi
ladelpnla. In the atate of Pennsylvania,
haa compiled with the Inaurance Law of
thla state, applicable to such Companlea,
and I therefore authorised to continue
the business of Fire and lightning Insur
ance In this state for the current year
ending; January 31st, 1906.
Witness my hand and the aeal of the
Auditor of Publio . Accounts, the day and
year first above written.
E. M. SEARLE. Jr.,
Auditor of Public Accounts.
(Seal) JOHN 1 PIERCE,
Deputy.
Certificate of Publication
8TATE OF NEBRASKA, OFFICE OF
AUDITOR OF PUBLIC ACCOUNTS.
LINCOLN, Feb. 1, 1906.
TT IS HEREBY CERTIFIED, That the
North British and Mercantile Insurance
Company of London and Edinburgh, Eng
land, haa complied with the Insurance Law
of this atate. applicable to such Companies,
and In therefore authorised to continue
the buslnexn of Fire and Lightning In
aurance in thla atate for the current year
ending January Slst, 19m.
Wltnesa my hand and the seal of the
Auditor of Public Accounts, the day and
year first above written.
E. M. SEARLE, Jr..
Auditor of Public Accounts.
(Seal) JOHN U PIERCE,
Deputy.
Certificate of Publication
STATE OF NEBRASKA, OFFICE OF
AUDITOR OF PUBLIC ACCOUNTS.
i LINCOLN, Feb. 1. 1908.
IT IS HEREBY CERTIFIED. That the
Citlxens Insurance Company of St. Louiav
In the atate of Missouri, has complied
with the Insurance Law of thla state,
applicable to such companies, and la there
fore authorized to continue the business,
of Fire and Lightning Insurance in this
state for the current year ending January'
list. ltt.
Witness my hand and the seal of the
Auditor of Public Accounta, the day and
year first above written.
E. M. SEARLE, Jr.,
Auditor of Public Accounta.
(Seal) - JOHN U PIERCE.
Deputy.
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INSURANCE HAS HAM FORMS
Development of Idea New Covers About
,( ETerjtbiog in Life.
WIDE RANGE QF PISK IS NOW WRITTEN
Compaulea WUUi Aaaome for
Premium Probability ol Almea
Aay Ercat of Calamitous Ka
uri Likely to Occur.
Ever aloe the merchants of Rhodes
. that Uttle ists 'of Turkey known to the
dullest school child because of the famous
Coloeaus that guarded the harbor settled
that It ia a fine thing for the other mer
chants to chip In and reimburse a tale
nt rlc ken compatriot tor the loss of hie
ship or cargo at sea, Insurance haa be
oonie more and more soinmon and more
things have been luaured. It was In the
tenth century, as nearly as authorities
can place It, when the great modern In
stitution of protection against calamity
was started. For a long time only ships
and their cargoes were insured and this by
mutual effort, all merchants of a port
bearing the occasional losses of their as
sociates. The practice was found so satisfactory
that It spread to Italy and to Portugal,
In which countries the form of mutual
Insurance was finally made obligatory
anvong the Importers and exporters, so
that no thriving merchant might escape
his duties towards the smitten man. It
required time alone fur men with money
to not that p roll is might be made from
insurance and before long capitalists who
were familiar with the peril of the Med
iterranean entered the business and began
the custom of Inaurance upon premium.
In the fourteenth century, it Is said. Lom
bard merchants introduced the usage into
England from Venice and other .Italian
cities, which then were the commercial
venter of the civilised world,
v Coaala of tke Uoyda.
. A certain tale hath it, to be. sure, that
Insurance began when a numeer of Lon
don shippers who met for beverage, pipe
and chat in an ancient coffee aouae con
ducted by one Lloyd, decided to. overcome
the effeois of raging wind and devouring
wave by' subscribing to a mutual Insur
ance fund, as did the RhodUns. Thla ia)
the origin of maritime inaurance, which
was the first form of insurance, glveu by
an etceedingly affable, well dreaaed and
ttnergetio "special agent", of one of the
great Inaurance companies the other day.
iiut authorities in indubitable record In
calf-bound books do not agree. They have
it that maritime inaurance existed long
before the Londoners wot of International
trade and exchange. But it is only fair
to the latter traditions to slate that when
the great Lloyds came Into being tire
and life insurance were unknown. They
were much later products and bare been
throwing off various kinds of offshoot
ever ainoe.
Whereas the Rhodlaa In lout might Insure
only his ship and it cargo, and the latter
only while U Waa In transport on the water,
the aaercaiU,rajr saie in 1XA iay iusure
pretty nearly anything he.happens to have,'
not only against the elements and fire but
against almost any eventuality that might
sweep away or Injure his possessions. Balth
a tome: 1
"The kinds of Insurance are almost aa
raxloua as are the things which are sus
ceptible of Injury .or destruction' and the
perils to which they are exposed." .
What May Be Iaaured.
If one should go; to an Inaurance agent
and ask. "VVhat do you Insure?" veryjlkely
his reply would be, "Anything from a
screwdriver to a windmill or from a ham
sandwich to an oil painting," as this quota
tion has been rendered by long and assidu
ous usage aa much a part of his business
aa his rate tables. He doesn't mean exaotly
all of It, however. He doea mean, though,
that he will take risks on about everything
that is capable of damage or destruction
by fire. He won't Insure a peach orchard j
againat injury by insect nor the plants in a
conservatory againat freealng nor a valu
able dog against poisoning, but he will In
sure, and cheerfully, any of these things
against loss by fire. In brief, the range of
fire Insurance covers about everything (hat
will burn, Including ships, . which are pro
tected equally against fir and other disas
ter by the marine Insurance.
Other Forma of Iasaraaee.
But there are many other forms of In
surance besides fire Insurance and ordinary
life Insurance, both of which eubjecta are
pretty well understood. Life Insurance Is
divided Into two great classes ordinary,
or class Insurance, and Industrial, or mass
Insuranoe. Ordinary life insurance Is quite
costly and there are various kinds of poli
cies, some returning the money Invested
with interest at the end of a specified pe
riod. Industrial insurance has Its amounts
adjusted to the premiums which are col
lected weekly from the polioy holders. Not
only adult, but children and all the mem
bera of the family may take out policies.
Primarily Industrial Insurance U designed
to protect the poor but self-respecting
against the debts of the last limes and
burial, or againat pauperism.
It was undertaken in England as early a
189 as a development of the "friendly" and
burial societies, but was wrought te suc
cess in ths United States since llrtl The
study of life inaurance and Its evolution
from the beginning down la absorbing and
aufflclently Intricate to be tlme-deatroylng.
For Instance one man spent several years
m (lermany merely preparing a history of
the cauaee and events leading up to the
wiuphium; inaurance piacea In I
niMtr. 1 1 An k th. i- . '
' - W.IIUM Buwrnraenc
Again, the close perusal of volumes con
cerning the theory of risks and longevity
will hold anyone for a while.
Everybody knows that Inaurance can be
procured against losses by hall, tornado
and high- winds, lightning and the Ilka, but
there are a number of other forms not so
well known.
Novel Forms of Proreettoa.
The very newest Is fly-wheel Insurance,
This Is a fashion Inaugurated about twe
years ago, but It baa proven popular, espe
cially among the factory districts of the
east. The owner of the fly-wheel la pro
tected againat any damage te life, health
or property that the bursting wheel may
cause. Should a section tear oat part of
the wall of hi neighbor's building, the In-
surahce ' company will make It good, or
should a few employes be maimed for life,
the insurance company takes care of the
damage suits.
Burglary Insurance is becoming an old
story. It was first put on the market
about ten years ago. All the articles in
the house are Insured the, same as fire
Insurance. When a man's house is entered
and goods stolen he turns to the company
for recompense. The rates are compara
tively low and the amounts insured for
small, on the theory that a burglar usually
can't carry away, very much.. It Worked
differently in the case of Frank 'W. Jud
son, a well known Omaha cltlien, however,
Mr. Judaon took out a Jl, 000. policy. Four
days later his home was robbed while he
and his family were away and the burg
lars had all the time they wanted to lond
stuff into a wagon. The losa was footed'
up at 11.03, but Mr. Judaon did not worry
much about the $28.
No self-respecting passenger elevator
runs in a building nowadays unless its
owner is fully protected against Injuries
to persons and property by a casualty
policy.
Protection for the Landlord.
Not only are buildings insured against
Are but old-line companies also Insure the
owner against losses in rents while the
buildings are untenable by reason of fire.
In other words, the landlord not only Is
protected . against the destruction of his
property but against loss of the revenue
therefrom while the structure is being put
In repair. Not a little of this' class of In
surance ia carried In Omaha.
Many structures are equipped with auto
matic sprinkling devices that pour forth
a torrent of water when a Are occurs. In
surance against accidental discharges of
water can be obtained. A very serious
accident of this character occurred In the
Richardson Drug co'mpany's wholesale
house last, summer. , 1
No company will, insure the proprietor
of a storage house against the loaa of
goods stored by fire, but. some' of them
will protect him against uncollected storage
charges In case the goods are burned. This
Is done upon the- theory that the goods
themselves are . held as chattels for the
charges and that If they "burn the store
house man's security la destroyed and he
Is left cither without rents or the property
that he might sell to realize on them.
' ' Health and Bad Debts.
Health Insurance Is again becoming pop
ular and th accident and casualty firms are
taking It up and pressing it with consider
able vigor. For a certain stipulation a man
Is enabled to draw weekly sums while he Is
Incapacitated from-work by alcanas. . A
new scheme In accident Insurance Is a
policy that Insures both the Insured and
the beneficiary should the latter be injured
or killed in the same accident.
Credit Insurance ha been in use for about
ten years. It guarantees the creditor
against a certain percentage of the loss
from bsd debts. After the debts have beeu
unpaid for a certain length of time the In
surance company steps In and assumes the
liability, but relax no effort of Its own to
collect the money. '
Plate, glass Is Insured against breakage
under special policies, a is blooded stock
In transit. Since automobile became pop
ular a apeolal form of Insurance; ha been
Invented for them, but It has not yet
reached Omaha, It Is said to provide for
liabilities Incurred In striking and wound
ing or killing persons or damaging prop
erty. .,.,..-..
The courts have decided , that a-news,
paper may lasue a coupon stating that If a
person accidentally killed Is found with the
coupon, filled in with their name and ad
dress, upon the body, tWO1 will be paid; and
that the amount may be collected aa on a
perfectly valid policy. But the same au
thorities have ruled that the formation of a
society of men who must contribute reg
ularly for ,nlne years, with the expectation
of receiving $1,000 when they marry at the
end of thla period, does not constitute In
surance. .
Fidelity and guaranty bonds' protecting
the employer - againat defalcation or loaa
through employes are forms . of Insurance
In common use, and the practice of bonding
all employes who handle money is growing
each year.
In fact inaurance haa no end and nearly
every poeelble'attack on property, life and
health that cannot ba prevented by ordi
nary care and watchfulness can be Insured.
UNDER NATIONAL CONTROL
Government swpervlsloa of Life Iav
' auraatcaj a Nat a raj aad Neces
v sary Provision.
The, life Inaurance business has grown
to such tremendous proportions that the
very figures startle our senses when we try
to analyse them..
Thirty years ago i sompsny with $3,000,000
or $4,000,000 assets was considered large. Now
companies have that many hundred millions.
Should all the insurance carried by forty
old line companies mature at once (which
would be impossible) there , ' ia not gold,
FIRE INSURANCE JN THE UNITED STATES.
. ', FIGURES COMPILED BY "THE SPECTATOR." '
A j
s- 8 2. si Is i lz : -
. E 3 : s -p. Z -Z-
Total for 1004 . $61,e25;875 1382,818,160 $125,031,o00 213,534.304 $220,392,311 $132,335,337 $7,503,428 $215,320,11)9
Increase In 1004. 1,577,500 1.J5,54 3,581,103 16.267,906 10,400,302 S.r,85:i,537 402.083 30,676,586
Totals, '1003.....' 63,202,875 806,722,215 122,350,457 19700.408 200,802,019 07,181,a 7.100.445 175,653,613
Totals, 1U02 61,402,875 838,809.367 111,327,237 185,531,94 108,071,600 . 97.007,727 8.776,621 160,340,757
Totals, 1001 61,402,875 820,410.864 103,70,608 163,526,207 175,588,078 IMl.3tl3.508 6.304.82H 163.007,522
Total. 1000..... 64.652,875 810,000,869 100,084,418 146,442,520 158.280.W8 02,472,967 . 0.280,820 155,102,232
' Total. 1800 65,602,875 3O4.0I4.14O 103,513,027 184,450.630 146.644.663 91,031,677 6,782,018 150,602,824
Totals, 1808 3.430,875 290,306.034 100,108,874 127,730,728 13O.20OJ526 74,600,524 6.640,640 131,558,044
Totals, 1807 60,830.875 283.007.032 100.533,756 . 129.764.770 137,806.088 63.623.107 6,233.574 116.007,827
Total, 1806 66,830.875 257,033.4:12 77,153.516 .123.886,032 133.545,168 '66,701,242 5,814.808 117,305,703
Total. 1805..... J 64.223,025 240,8O0,860( 63,264,217 124,508,83o 133,873.771 70,732.905 5,058,183 120,808,407
Include to premium. Interest, rent and Income from all other "sources except deposit premiums received
on perpetual risk, couimlshlou received on reinsurances (deducted from commission paid), premium of prevloua
year receded, appreciation of aecurttle owned (not aold or matured), and. In tha caea of fon-lgn companies, their
receipts from their home office. Tptal disbursements are the aggregate of the lossei paid, dividend and ex
lene, the latter excluding- deposit premium returned on perpetual risks, lot on tale or maturity of ledger asset,
Tveturu premluma and reinsurance premium of 1003 (not deducted from 1004 premium), commissions on 1003 busl-ness,-
depreciation of securities owned uot sold or mstured), and similar Items which cannot properly be cUsood
expenses; also, In the cases of foreign companies, their remittances to tbclr home offls. Decrease.
silver and currency enough In the world to
pay the amount that would be due. ' These
thousands .of millions of trust funds are
all working. In various channels for good
being Invested In. mortgages, state and
municipal bonds, railroad bonds, etc., unde;
the direction of the . officers, and directors
of these glgantlo Institutions and while Ir.
the maln-these men In charge are men ol
character and. ability, still for the pro
tection of th publlq th beneficiaries oi
these trust funds, the life Inaurance com
panies should b placed under supervision1
of the natlona) government, not that there
ia any danger of failure, but there is a
tendenoy In some companies 'of ex
travagance in expenses of management,
which under national 'supervision, with
more publicity, might be stopjped.
Every dollar spent for needles expense
la that much money wrongfully taken from
the policy holders. Life Insurance Is dif
ferent from any other article of oommerce
in the fact that th men who control anil
manag the enormous aasesta of the com
panies do not own that money, all of It
belongs to the polioy holders, who have
paid It to the companies and expect it paid
back to themselves of their baneflclarie.
National supervision would also prevent
fraudulent eoncerns t thaf call themselves
life Insurance companies, from robbing the
PMbllc, concerns gotten up for the purpose
of enriching a little ring or coterie of men
at the expense of the public, would be
probed and nipped in' the bud before they
could accomplish much harm. I believe
that nearly all ths old better class com
panies would favor such supervision. Tby
have nothing to fear and It would eliminate
the "holdup" stat supervision companies
are now subjected to by some state politi
cians, who look; upon n Insurance com
pany as legitimate prey for lining their
own pockets under the plea of making
examinations which or often a farce and
no examination that examines anything.
In these strenuous tiroes of keen
competition with ups and downs and con
slant fluctuations pf fortunes, we find only
too often that Ufa Insurance Is about all
the tangible aasests men have left when
death or old age overtakes them. I believe
that life Insurance in voles the moat sacred
of truats. The banker receives funds to
hold only from day to day, but the life In
aurance company receives money to hold
In trust for ths span of a human life. What
consideration of good time and bsd times,
of peace and war, of plenty and famine,
of th weaknesses pf humanity and the
accident of chance art Included In this
contract of a life) tlpie are beyond the
ability of any man to foresee and scarcely
to comprehend. Too great safe-guards can
not be thrown around this beneficent busi
ness. President Roosevelt In his lust mes
sage recommended national supervision of
life Insurance and I sincerely hope con
gress will la the near futur enact that
reoosHsaendatlon Into law. JOHN STEEL.
OUR FRATERNAL SOCIETIES
laasaeaae ., Growth ef th Plai
M steal Lit laaaraaeo 4
lalted atates.
f
When the statement Is made that over
7,000,000 of lives are Insured In oar fraternal
societies, and thrfor 2Q,0u),0u0 of th
population pf the l'tylt4 Slate ars directly
Interested tn the successful management
and perpetuity of this system of protection
the mind scarcely grasps the stupendous
magnitude of the social and business
interests Involved In fraternal Insurance.
When It Is stated that over 60.000 benefit
claims were paid last year to the bene
flclurles of deceased motnbers, amounting
to marly $70,000,000, some estimate of the
proportions . of tho great benefit being
dispensed to mankind may be gained. If'
there were fifty to a roach, this would load
1,000 coaches, or 100 trains of ten coaches
each. What a funeral procession this
would makol
While fraternal Insurance Is In Its youth
as yet, still over $900.0UO,000 have been paid
to beneficiaries. Thla business vaat that
the mind can but feebly gray ita Import,
has been handled through this system of
organized philanthropy at so small a
proportion of cost per member per year,
that It seems beyond all reason.
The average mortality cost lost year was
only $9.23. In some societies the mortality
cost was aa low aa $2, and the coat of
management was only $1.87 per capita. On
the basis of benefits paid it cost IS 2-6 cent
for each dollar, and on the basis of pro
tection In force it cost only $1.26 per $1,000.
The sixty-three societies reporting to the
National Fraternal congress In 1903, 661.&S1
nsw members, a number greater than th
population of any one of twenty-three of
our states and territories. This new busi
ness in one. year brought protection to Ita
members amounting to $760,629,410.
The total amount of protection carried
by our fraternal societies la more la
amount than one-half of all the capital
Invested In manufacturing, and more than
one-third of the amount Invested In rail
roads In thu United States.
The fraternal societies have other
meritorious features beside paying claims,
for In them we find exemplified the highest
type of fraternity; through the lodge system
and ritualistic teachings ia nurtured th
best sentiments for the betterment of man
kind. An Independence Is taught, and a
desire to prosper us well as to protect
becomes the wish of the members. The de
gree teams become well drilled batalllona of
men, a reserve upon which our government
could drew If necessary, and find them
loyal, for their lodge room teaching haa
bei'n loyalty to Uod, home and country.
Were the United State tented In, It would
be one vuxt lodge room with many signs,
grips and pass words, still with much th
suine fundamental truths tuught
Our old line critics In paat years first
said, "they cannot live." Later, "It la only
a queatlon of a few years;" but new they
are mellowed down to "the fraternal
societies are good educators for life In
surance." Since Tom Lawson ha "Fren
sled Financed," thilr Investment Insurance
schemes, the Influx to th fratni nal socletlea
Is truly marvelous, and life Insurance In It
simplest form as presented to the publlo
by the fraternal societies, Is being taken
In ever Increasing amounts.
In Nebraska we have some good strong
home fraternal bueirance amleltea; sevaral
of thrra have their own hum office build
ings, and their prHiprity I evidenced by
th growth In their membership and
raswuroe. Nebraska ia a healthy slut, and
offers exceptional advantage to thee
societies. W. K. SHARP.
fresldent, The Royal UlgulaaeWte,
it.
s
