DAKOTA COUNTY HERALD, DAKOTA CITY, NEBRASKA. .t. 2t W y-T j v & t X tv a1 is M, U -it. K J The Man Nobody Knew 51 GETTING RICH QUICK. Synopsis. Dick Morgan of Syra cuse, N. Y., a failure In lite, enlist ed in lhe Foreign Legion of the lrench army under the name of Henry HJlllnrd, Is dUflgured by shrapnel. The French surgeons ask for n. photograph to guide them In restoring his face. In -Ills rage against life he otters In derlsto'n a picture postcard bearing the radi ant face of Christ. Tho surgeons do a good job. On his way back to America he meets Martin Har mon, a New York -broker. Tho result Is that Morgan, under tho namo of Milliard and unrecognized as Morgan, goes back to Syracuse to Bell a mining stock. He Is de- icl.tTltnwl tit mnlrA min.1 t T A tAlla people of the death of Morgan. He finds In Angola Cullon a loyal de fender of Dick Morgan. Ho meets Carol Durant, who had rofused to marry lilin. She does not hesitate to tell hint that she had, loved Morgan.- Milliard finds he still loves her and Is tempted to confess. Oi 28 CHAPTER VI. Continued. "I'll havo to" admit," snld IIIHInrd lightly, "Unit the odds ore on the side oflho experts. Hut ns for the ro mance " lie smiled nt Angela and -wondered If he dared begin so soon to build up the framework of his mission. "I've been telling Angela that It's mostly hard work. Once In a while you do run Into something lurid, of course romantic, If you want to call It so. I remember one bit out of my own experience," Angela had dropped the papers, and was listening as close ly asher father. "A few years ago some friends of mine bought up an old abandoned property out in the Butto region; bought it for n song, and It was n very quiet peaceful little song 'at that, because metals had been dull, nnd to continue the metaphor my .friends weren't In particularly good voice just then. But after they'd tak en title, thoy realized that they'd only sung the first verse of the song, nnjl there were a lot more verses and a pretty strenuous chorus. There was a shnft to he unwutercd and a lot of timber-work to he done; they were In for a big expense, and their credit had tucks In It, and tho outlook wasn't any too rosy. But thirty yards from thp main workings there was a fairish sort of tunnel,. With the start of a winze thnt's a blind shaft running down obliquely from a horizontal tun nel nnd It pointed straight toward the main shaft, and It occurred to them thnt they could continue that wjnzo another few .feet, strike their main slmft about the hundred and fifty foot level, and save a lot of labor and expense thnt way by getting n clean approach to the shaft Instead of taking a lot of bother with It In Its decrepit condition. Well, they .began to go down thnt winze, and lnslujo of ten feet they struck a brand new and unsuspected vein there hadn't been any outcrop showing; It was sheer, unadulterated luck. Then they had credit they certainly dldl To make a long story short, they pawned their futures, and begged and borrowed ev ery penny they could lay their hands on, and they developed tha,t property1 to tho Inst cent, nnd when they had perhnps two "hundred thousand or so tons of four per qent. copper In sight, and thoro were Indicated ore reserves of another half a million tons, they s'oUrthnt property to n group of New Yorkers for an utterly phenomenal price, without ever having so much as touched the original shnft for which they'd bought the property I" "Ouch!" said Cullen, and "Good ness I" said Angela. "And," said IIIHInrd, smiling rcrol ilscently "If the original owners had pushed that winze for a couple of days more than they did, or If my friends hadn't decided to go at the problem Jn exactly thnt way . . . well, as I say, what's one man's romance Is another man's tragedy. My friends got their Investment bnck In something less than four months, and nfter that It was vel vet. And the selling prlco was In the neighborhood of two hundred times What they'd paid for it. Thnt's min ing history, Mr. Cullen." And Indeed It was and tho only fabrication about It was nilllard's claim of friendship for the lucky owners. Tljls, ns he as sured himself, was salesman's license every successful operator Is a "friend" of any salesman. Cullen nodded thoughtfully; his eyes were bright. Angela was alter nately regarding him with Indulgent pity, and sending I-toldyou-so mes sages to millard. "Where was this In Montana?" "SUverbow county. Near Butte. Yes, there Is romance In that country, Mr. Cullen. It's In every tree and ev ery rock, andIn every hill nnd valley and under tho ground. And I'm afraid Tra Just enough of n realist to find nost of my own under the surface," "To save my life," Bald Cullen, "I can't help thinking 6f that region as a Mark Twain sort of country som breros nnd six-shooters and Vigilantes and singe coach hold-ups and gold dust as n medium of exchange. 1 know It's childish, but Vve" never been out there, andJt'n hard 'to get over what wo learned at school." He surveyed his VHUnftv jn-nh ! nrrnjrintly ; tho fountain, whlchln his moments of complacenco had all tho attributes of a geyser for him, was suddenly a fecblo faucet, nnd the tidy lawn was no moro seductive thnn n window-box, "The up-to-date schoolbooks;" snld Hllllnrd, laughing, "have a good many changes In them. Tho West of the early eighties Is all gone, the atmos phere Is all gone, tho old-style miners are nil gone ; you used to see some pic turesque sights even ten years ago, but nowadays you best realize how tho in dustry has changed when you see n couple of pals hunting for work In nn auto drive up to a camp, ask for a Job, get it, park the auto, take tho tools out of tho delivery body on be hind, nnd pitch In. And you can Im agine tho other changes that accom pnny that one. Of course, that's es pecially typical of Arlzonn, but we get It In Montana, too. I'm not saying thnt the color has gone out entirely, be cause It hasn't, but In the old tlnysTIto West was tho West, and now It's mov ing East ns fast as It conveniently can, so that If you want to get tho pure spirit of It, as It Is today, you'll have to go down to Wall street. That's where It lives." "Mining mining I" mused Mr.- Cul len. "Sounds adventurous just to say It." He gnzed at tho fountain. "And no Industry Is less understood oven by Intelligent men, Mr. Cullen. As n matter of fact, tho public doesn't oven understand most of the commoa .est terms. The buying public doesn't even know what It Is buying. That's why It's so easy to sell worthless stock." "Oh, Mr. IIIHInrd I" "For Instance," lie said. "I spoke of a certain number of tons In sight, nnd thnt's ouo of the very commonest ex pressions In a fnko prospectus. I sup pose you know you couldn't see It, don't you?" "Why, nol" said Mr. Cullen, blank ly. "Couldn't I?" 'You might actually see a few thou sand dollars' worth"." "Why," said Angela, surrrlsedly. "I thought It stuck right out on the walls I Jn gobs I And you knocked It off with a pickax I And shoveled It up!" "Not, exactly that," said Hilllnra kindly. "Sometimes y.Ou go at an ore body with steam shovels, and other times you don't. But when you remem ber thnt three or four pounds of cop per to every hundred pounds of rock means n very handsome profit, If your costs aren't excessive, you hnve some Idea of how little you could knock off a wall. No--you tear down tho whole mass. You go at It wholesale." "What 1 meant by romance," said Mr. CullenT "wasn't nocessnrlly luck. And besides, this yarn you'vo Just told us doesn't Illustrate what I call a business proposition. What I'm try ing to get nt is that you've got an oc cupation that Isn't a cut-and-drled one llko the average. There's breadth to It vision. There's drama. There's the outdoor side to It. There's " "Don't forget," IWllard warned him, "that I purposely ga,vo you that Illus tration, and I think you've missed the moral. It wns a business proposition. My friends bought tho mine for the values they knew were there. They'd have made money If they'd gone ahead "Now You Juat Walt a Second." unwnterlng and timbering nnd develop ing the old shaft so thnt It wasn't all bull luck, not by any means. And I claim thnt the romance nnd the drama and the excitement is In tho combination of business senso with that wonderful possibility of accident. Yon don't go In at random; you use your best Judgment, and expect about ten per cent on your money nna It's the chanco of getting a thousand per cent that keeps tho game alive. Somo men don't oven got the ten . , . mighty few over get tho thousand. I'm satisfied, nnd more thnn satisfied, that tho gods have been good to me, and put mo somewhere In between." "I suppose for the people on tho In side," snld Mr. Ouljen, "a mining prop, osltlon Is Justus safe and businesslike By HOLWORTIIY HALL Oopjriihtby Do4d. Ueu) ft Co.. Ins. ns anything else. The troublo comes In knowing when a mine's n mine, and" when It's a swindle, and I guess you hnve to be a metallurgical shark to know thnt nnywny. But tho way things havo been going for the last year or two, with all this speculation In the rmctnls, nnd all tho fortunes that have been made, sort of set mo to thinking that with good ndvlce, you" "I beg your pardou," said IIIHInrd quickly. "There's been mighty little speculation In motnls, Mr. CuJJcu; but there's been n tremendous amount of speculation In' stock. The difference between West nnd East; tho differ ence, between Insider and outsider the difference between tiro capitalist and the gambler Is this tho 'East, the outsider nnd tho gnmblcr buy stock; tho West, the Insider nnd tho capitalist buy mines. Buy them out right nnd develop them first nnd ex ploit them nfterwnrd. If they're good, the West keeps them to Itself nnd pockets the profits; If they're slinky, tho West sells stocks to the East, and gets Its profit that way, and calmly steps out from under. Tho nrt nnd science of underwriting . . ." "Now you Just wait a second," In terrupted Angcln, who had been fidget ing and playing with her wrist wntch. "Dad Mr. Milliard! This Is nwfully Interesting, hut dinner's In just n few minutes, nnd " "Plenty of time," snld Cullen, wnv Ing her off. "Plenty of-time! Go nhead, Mr. Iltllliud. This Is too good to miss. Smoke n cigarette for nn appetizer?" "Thank you." Illlllnrd, having de cided to tnke complete 'ndvnntngo of the present opportunity, marshaled salient details as he held n match for' his host. "Well, perhaps I can show you best by an nctunl example. I'm out of tho game entirely, ns I snld, but I was Invited n day or two ngo to Join a New York syndicate In flnnnclng n property I appraised my self In 1914. It's owned at present by .four boys with a shoe-string npleco. They .can't finance it themselves, so they need help, nnd they've come to Wnll street nnd whispered their se cret through a megaphone. Now sup pose, Just to mnko It clear, all around, thnt you and I and Angela are to form n syndicate! to -underwrite the com pany." Ho wns sustnjned by the re flection thnt oven though he enmo In tho guise of n mountebank, there wns nothing dishonorable about the wares ho had brought to sell. "Oohl" snld Angcln, Joyously, "Thanks I" Simultaneously her fnthor gave her a little frown of affectlonnto remon strance, and Hllllnrd gave her a little smllo of affectionate esteem. "Now, tho boys who own It," snld Illlllnrd, "are In such straits that we can practically dictate our own terms. I don't mean to Imply thnt we'd tnke too great nn ndvnntngo of them, but It's a plain case of supply and de mand, nnd we're naturally Interested in a bargain. Wo go over tho mlno very carefully, and find that although It Isn't actually producing any copper just yet, because the owners ran out of money before they could get that fnr, It has enough ore reserves to guarantee at least ten thousand tons a year for twenty years, provided tho necessary equipment Is bought nnd put Into operation. Thnt tonnage, with tho" price of copper whore It Is now around thirty cents nnd the, cost of production what It Is now, and other factors what they nro, now would eventually mean a net profit of about a quarter of a million dollars a ye,ar. So first wo have these present owners organize n corporation, capitalized nt two million dpllurs." Cullen smoked violently, nnd looked puzzled. "You're getting out of my depth. How do you nrrlvc at thnt?" 'That's so as to Insure ton per cent dividends, And the mine can pay ten per cent, provided wo enn arrange to get the capital. You see, Mr. Cullen, n copper mlno Isn't llko u factory, and you can't figure It the snmo wny, bo-, cause a factory runs on Indefinitely, and If you simply replnco tho ma chinery whenever It wears out, there's nothlifg to prevent tho snmo plant from keeping on making tho same sort of product for n hundred yours. Hut every pound of ore you tnke out of n mlno leaves that much less for tho future, nnd oventunlly your ore's go ing to bo all gone. Aiid If this par ticular mlno Is going to bo exhausted In nbout twentv years, It stands to reason that It's being exhausted at the rate of onetwentlcth, or five per cent, n year. You must tako that always Into consideration. And therefore, every stockholder Is entitled to get back nt least five per cent of his money each year to cover that de preciation, In addition to whatever he ought to get for ordinary profits, which Is nilother five per cent Otherwise'' "Oh I I sec !" cried Angela, "Prove It I" commanded Hllllnrd In dulgently. "Why, If the company Just paid flvo per cent for twenty years, nnd ut the end of It, your oro was till gone, the people would only Just have got their money back, and they wouldn't hnve made nay real profit ut uIU" "Exactly!' nm HilliiuO. s., ti., company must pay nt least ton per cent half for bona fide dividends nnd half for depreciation." "OhoV said Cullen, opening his eyes. "Is thnt why the big mining companies pay-such big dividends? I thought It was nil clear profit I" "No, sir. Tho dividends of n min ing company lmVs to ho very high to be attractive at all; they have to mnko good that depreciation. Well, we mnko tho" boys Incorporate, as I said, for two million dollars, on which we can pay ten per cent. I'll show you hnt tho setup looks like." llo wrote on the bnck of nn old envelope: Capitalization .$2,000,000 200,000 shares ot $10 each. "Now, the conipnny (nnd you must remember thnt so fur wo hnven't any ofllcinl connection with It), agrees to tnke over tho property, and pay tho present owners for It with S0.000 shares of stock, nnd It also agrees to sell to you und Angela and mo tho other 120,000 shares at n dollnr npleco, or $120,000, of which wo ngrco to pny Imlf In cnsIiTnnd the babuice In about ninety days. "Now then, vc own 120,000 shnres for which wb'vo pnld, nnd agreed to pny $120,000. That Is, we've under written these shnres for a dollar nplece, and paid down half the nmount. Now let's begin to look nt It from the public's standpoint. Hero's n mine with plenty of oro; nnd n company with cash enough on hnnd to begin pioduclng nt n profit very soon al though nobody pretends thnt It's ac tually producing now. It has $00,000 In the bnnk, and another $00,000 duo In ninety dns. It can go hhend nnd contract for machinery nnd workmen, nnd It does, and yon nnd Angcln nnd I are still letting tho former owiiers manage It, but since we're In control of tho stock, wo cither elect ourselves ns directors, or elect other people whoso names enrry weight with tho public, so that we can always direct the general policy, and see that It's careful and conservative. From every angle, then, financial und moral, tho venture looks llko n big success. So jou and Angela and I go to a good broker, or to n group ot brokers, and mnko them n proposition. Wo con vince them of the value we have; wo let them send their own engineers out lo mnko u report, nnd ns evidence of good fulth, wo pay nil their expenses; we let them go over our "books. Every thing's fnlr nnd squnrennd above board. And we agree thnt these bro kers will take some of this stock off our hnnds to sell. to tho public (be cause they've got a selling organiza tion already established, and plenty of customers who look to them for ml vlce) nnd It's agreed that they'll pay us say, four dollars a shore for what they think they can soil. The brokors then -do somo advertising, send out their circulars and bulletins nnd pamphlets to their customers, and sell that stock to tho public for unywhoro from six to tight dollars n share. That Is, tho public Is glad enoughwhen tho prospect's n good one, to pny seven or eight dollnrs (becnuso every share's going to he worth ten) for what cost the broker four dollars, and cost us one dollar which we've nlrcndy got back from the brokers, nnd wo've still got tho hnlf of those 120,000 shares of ours left besides! .So here's tho final balance sheet!" He hastily totaled the list, nnd handed It ovpr to Cullen. Capitalization $2,000,000-200,000 shares at $10. Stock paid to Individual owners ,, 80,000 shares Stock sold to syndicate for $120,000 ,120,000 Bharcs Total , 200,000 shares ' Of our 120,000 shares We sell to brokers 30,000 shares Leaving 90,000 shares We give brokers a two year option at $3 apiece on 20,000 shaios Leaving .., 70,000 shares Wo pay lawyers, experts etc. 10,000' shares Leaving , CO.000 shares "And thnt bnlnnco of 00,000 shares," ho ald, "belongs to us three. The brokers nro making n inarkot and es tablishing a price ; and In order to pro tect thomselves, they can't afford to let tho stock sell under tho prlco they're charging the public because If they did, tho public wouldn't buy up tho rest of what the brokers have to sell, but they'd buy It In the open mar ket. So tho brokers protect tho mar ket by what's considered perfectly legltimnto means, although somo folks call It manipulation, nnd thoy keep the prlco up by main strength until the first dividend Is paid, and nfter thnt tjiey don't have to worry, beeniiHc now everybody sees what a good thing It Is, nnd flocks In tn tako advantage of It, and the quotations Jump up to twclvo or fifteen. Everybody' mndo money; the brokers hnve made theirs; tho pub lic's mnklng theirs, and when the prjec Is right tho syndlcnto sells In open mailed tho 00,000 shares It hud left, nnd you nnd Angela nnd I have each made a quarter of a minion dollnrs without really risking n "elnglo cent I Because, us I said, wo got our money back right at tho beginning." Angola, who had followed tho In trlcncles of tho setup with the fjvellest Intei est,-turned pnle; nnd Cullcu's Jaw sagged. Hllllnrd, returning his foun tain pen-to his pocket with the utmost nonchnlnnce, had no moro apprehen sion left In him, for Cullon had swal lowed tho halt whole. Cullen, Average Man that ho was a good enough manager of his own Binnll enterprise, but woefully Ignorant of tho financial world at large Cullen coughed rnsp. inRiy. "It's a very pretty picture, but sup poso tho market never goes up?" "It will ns soon ns there's a dividend In sight; thut's Inevltuble. And oven If It vtnyB pegged at seven or eight, . - .m nroilt for niT lent l wrt" . ' "But suppose thero's never a dlvl. rteiul?" . ' "Don't wo know tiicro will ba? Didn't I pay wo control tho board of directors?" "Ilutjfliippnsp.you can't find brokers to" Hllllnrd gesticulated broadly. "Why, ns u matter of fact, wo don't enre very much If wo don't 1 That's! tno commoner method, nnd thnt's tho wny to got our money back almost at once, nnd then piny on velvet. But If Instead of working through brokers, we were willing to tie tip onr capital a little longer, we'd mnko considerably moro money In the long fun, ns you can plainly see. We'd ndvnncc our hundred nnd twenty thousand dollnrs, wnlt until dividends could be dcclnred, nnd then get tho stock listed on tho curb nnd begin to feed It out to tho public through n fiscal ngency. Thoro'd bo twice ns much In It for us, hut wo wouldn't bo In thnt perfectly delight ful position of owning a lot of valunhlo stork which literally hadn't cost up unythlng. Or, of course, wo could offer somo of tho shnres to our personal friends nt a fnlr prlco, nnd reimburse ourselves that way. Knowing that It's Cullen Had Swallowed the Bait Whole worth ten or fifteen, wo wouldn't feel very guilty about selling It to personnl acquaintances at- eight or nine, would" wo? Why not when wo know for a ccrtnlnty thnt It ought to go up to fif teen? Thoy'd bless us for It 1" "But the main point; tho staggering thing nbout It, s " "Is thnt If the public gets ten or fif teen per cent dlvldonds,"-sntd Illlllnrd, "or buys at ton nnd soils a few dollnrs higher, It thinks It's lucky; nnd In tho mpnntlme, tho underwriters mnko any thing tip to n thousand, per cent, and get It In n few months. And I'vo known somo of theso syndicates to turn over In n few days." "Oh, I want to do It!" said Angolft ecstatically. "I wnnt to do It! Dnd! Let's bo n syndlcnttNmid go out, to Montnnn until It's overt Como on I Let's !" Illlllnrtl laughed cheerfully, at her. "In this particular case," ho said, "tho syndicate's about half formed. Nothing final, but It's pending, And It Is gppd so good thnt I doubt If any layman could break Into it with n cold chisel," Again, ho excused himself on tho ground of .salesman's license. "But thnt's the fundamental, Mr. Cullon that's how tho thing Is done, and that's how tho public carries tho whole bur- ilcn of flnnnclng, and docsnlt know It." Ho assumed nn nttltude of cosy un concern. Angela, her breath coming rapidly, wns regarding lilin with awe struck eyes. Mr, Cullen, his mouth drawn to n perfectly straight line, was gazing spellbound nt the orderly nrrny of HgurcH on tho envelope. "And this Is n genulno mlno?" ho managed presently. "In my opinion, It's n very wonder ful prospect," snld Illlllnrd, nnd ho be lieved every word of that solemn state ment. . Mr, Cullen folded tho envelope, nmi then suddenly, ns though too cautious to betray his profound absorption (which ho hnd been betraying frankly for nt least twenty minutes), tossed It back to Illlllnrd. "When you'vo got n syndlcnto that'll let mo In for say, thirty coats," ho snld, with elnbornte humor, "Just pass alor.g tho good word, will you?" "I never try to do business with my friends," Hold Illlllnrd, with tho most dellcnto touch of reproof. A lonely man in his home town. (TO BE CONT1NUHD,) "Give" and "Get" Tho two little words "give" nnd "get" sum up tho differing creeds of earth nnd the ambitions of mankind. Thoso who nro eager to bestow, to en rich tho world around them, to bless, to help, to uplift, constitute tho one class. Tho other crowd grasps every thing for self, only ItH own. Traits of the Grizzly. Tho grizzly rarely hiUTnates, prefer ring to prowl tho forests In tho winter month's. Ho Is n ment enter, a well ns being fond of honey, roots and eggs, and usually kills his own food. Two cubs como to the mother benr In her den ntnong tho rocks, and sho Is In sanely courageous in defeuso of them. llomeTom ftlplfftJk TO LEVY TAX ON BILLBOARDS Commission Recommends That Massa. chuselts. Legislature Get Revenue From Advertising Devices. Tnxntlon of billboards and nil other kinds of outdoor advertising devices, ns well ns regulations of tholr size, location and manner of construction, In recommended In the report of the spcclnl billboard commission submit ted to tho legislature. Tho only advertising signs exempt from tho legislation recommended by the commission nro thoso which havo been erected In conformity with exist ing lnw nnd which cnll attention to tho person -occupying the premises on which tho sign nppcars 'or to the busi ness that Is done on these premises,' or ndvertislng tho property Itself or nny part thereof ns for sale or to let. For all other signs, tho commission recommended thnt an annual cxcIbo tax bo levied, tho amount to bo de termined by tho. division of highways of tho public works department, hav lng In mind In ench case tho location of such sign or device, tho character, of tho neighborhood, tho number nnd class of .persons usually passing with in reasonable distance of the sign, nnd such other factors as tn tho Judgment of the members of the division will glvo to n sign In thnt particular loca tlon a particular value for advertising purposes. Boston Transcript. KEEP CAR IN A GARAGE The new enr mny be tnken care, of easily when your home'hnppens lo be situated nt tho side of n iltl. This Is nn Inexpensive gurngo nnd Is built where the cellnr would ordinarily be. It Is one ot Los Angeles' popular wnVa of combntlng tho high cost offenrng log. Towns on the Honor Roll; Moro towns whoro" memorial tree plnntlng 1ms been reported for tho honor roll of tho American Forestry association of Washington nro "'an nounccd oh follows: Lnnhain, Md., Augusta, Gn., Thompson, Go., Carbon dale, III., Indianapolis, Ind Green dale, Ky Laarnngo, Ky., Louisville, Ky Now Orleans, Ln Wnlthnm, Mass,, Caruthersvlllo, Mo., Camp Dlx, N. .T., Brooklyn, N. Y., Mnmnroncck, N. Y., Mohegnn Lake, N. Y Now York city, Tnrrytawn, N. Y Sharon nil!, l'u Marlon, Vn., Bridgeport, Conn., Collego Pnrk, Gu Mlllcdgoville, Go., Lognnsport, Ind Hobnrt, Ind., Frank fort, Ky., Middlesex, N, J., Elmiru, N, Y., Mctueheri, N. J., Lumbor Bridge, N. 0 Addyston, O., Hatboro, Pa., Memphis, Tenn., Appleton, Wis. Th American Forestry association Is reg istering tho thousands of mciuorlul trees being planted nnd will send free tree dny programs on request and free certificates of registration. Beauty Always Appreciated. Noble architecture and flno lntul scape gardening exemplify tho helpful effoct of nrt. The people's enjoyment of thorn, of buildings nnd parks, shows our need of beauty nnd tho neces sity of gratifying tho deslro for beauty. Tho exlstenco of this craving and tho fcqtlsfactlon of It aro ovldonco that a pcoplo has risen from barbarism to civilization. Spokuno Spokesmno. Re view. Early Care of the Lawn. Get ready to reseed nnd top dress tho lawn ns soon na tho frost Is out of tho ground. Fcrtlllzo and roll. If tho fertilizer Is to bo dried. sheep manure test It carefully In a liowor )ot und sco that thcro Is no weed seed in It. Much of tho sheep manure hu been dried, but not sterilized. Pay Debt to Community. Don't think your only debtM tiro thosp mensurable in dollars and cents. Your community also 1ms a claim on you In tho way of Interest and u bit of time now und then. j M i 1 : i n '6 3 1 I -4 v l ..-