The Omaha Morning Bee VOL. 52-NO. 21. Light Third Party Vote Expected (Juifihling of Leader Killing Interest Many Voters to Stick to OKI Party Linci. Rift Caused by Fusion irnllowlni la lha alahlh mt a hHm ( arllrlaa Irrnn a atari rurrvapontlrnl of Th Omaha lira, ilrrflhln lha ramnalin of sarlag. ranilltlalra fur afllr In Nrhra.lia and miHrrlaklnf In plrlura thr alal ( la niihltr mind. Th wrlra will b pnti " -! from la u dajr, rln rvpuh Iran, drniurratla unil profrvaalta acllrt lira. By PAuTgREER. Lincoln, July II. "The unpardon able tin." J. II. F.diuisteu concluded after a discussion of Nebraska poli , tic, "is to vote the republican ticket." A chairman of the recently formed progressive party he has no Mich scruples' against aiding the democrat. In fact, most of the candidate for the progressive nom ination on the state ticket are filed also on the democratic ticket. This is true of J. N. Norton, who is running for governor on both tickets. It is the cause of bitter dis sension among the progressives and has led to the entry of W. J. Taylor, a farmer of Menu, as a second candidate for the procressive nom ination for governor. It also has brought out Anson H. Bigelow, a labor attorney of Omaha, as an op ponent of Judge Arthur G. Wray iu the senatorial race. Branded As Mugwumps. Plot and counterplot, rumors and accusations of all sorts, abound in the progressive party camp. Ask Mr. Kdmistcn to name the entries for the progressive nomination and i lie will not mention Taylor or Bige low. Remind him of their omission and he will fly into something: very like rage as he brands them as mug wumps. On the other hand, there is Mr. Taylor, who talks like this: "Gentle men, you who have filed in two parties and have sworn that you afliliate with both, stand up and be ( ountcd. What ticket will you vote in the primary? Which platform will you support? Which organiza tion will direct your campaign? Which stata. convention will you at tend? Norton, if you win in both primaries, in whose car will you ride, Hitchcock's or Bigelow's? (Notice that Mr. Taylor ignores Judge Wray's candidacy, no doubt assuming that he will withdraw.) If you lose in the democratic primary you have lost in the other." Eliminated by Both Parties. This latter reference is to the pro vision of the law by which if Norton should lose the democratic nomina tion while winning the progressive nomination by a smaller vote he would be eliminated by both parties. Chairman Edmistcn declares that in such case Mr. Taylor himself would not legally have the nomination, but that the place on the ticket would be tilled by someone selected by the progressive state committee. Some claim that the progressive party is designed to lead the radicals into the democratic party. The fu sionists say that only by combining tht conservative democratic strength vith the radical support can the re publicans be defeated. Few Votes. As a matter of fact, there will be few votes in the progressive party primary next week. This is not to f.y that the ghost of Theodore Kooscvelt is not stalking in Nebraska nor that there is not a great deal of irritation at everything. It is simply that most people of all classes are .ticking to their old political affilia tions. The quibbling among the third party leaders has "killed interest in it. The shift of Wray from the governorship to the senatorship race estranged many followers. There are furthermore several men, some on the democratic ticket and others on the republican, whom the farmers favor. For another thing, the farmer vote will be light because the primaries come at a time when they are busy in the fields or threshing. Enough rain to stop farm work would bring out a larger proportion. However, the interest of the farmers has not yet been aroused. The silence of the country newspapers on men and is sues is blamed for this by the poli ticians. Splitting of Tickets. The full effect of the farm vote will not be felt until the fall election. Evert then it is hardly probable that it will go to the. third party candi dates or to those who have fused with the democrats. What may be looked for is a splitting of tickets in which voters of all parties will play with deuces wild. This spirit of independent voting is found in the most unexpected places. Just as an instance, there is George Jackson of Nelson, formerly speaker of the legislature , and once demo cratic candidate for governor. He confides to his friends that when he goes to the election booth this fait he will vote for as many republi can candidates as he does democrats. An organized factor in this split voting is the Nonpartisan league. Early in September the members of this farm organization will hold a state convention at which they will endorse candidates irrespective of on what ticket they appear. Lynn J. Frazier, who recently won the re publican nomination for senator in North Dakota, will be brought into the state to address meetings of farmers and wag earners. Arthur C. Townley. the founder of the league, and Joseph Gilbert, editor of the Nebraska league paper, the New . State, also will take the stump. et.ai mutt au Mother of Babe Born in Pen Asks State Board for Parole Delia I)e Hart Declares Her Husband Killed Mice for Making Advance to Her. Lincoln, JUIV II. - (SpccuiU - Betty June. Nebraska's first neitiieie liary baby, cried and made laces Governor McKelvie today at her mother. Delia Drlhrt, pleaded for parole before the state board of pi don and paroles. No amount o; rndddliug would Hop her screaming Finally, a lady in the room toot' Betty June away until Iter mothers' hearing wa ended. Mrs. Dellart told the hoard that the murder of John Mie vi Holt county, iu which she was involved and for which she is serving 1 to 10 years, was the result of advances made by Mize towards her. She said hrr husband, Kolla, serving life, killed Mize and she helped carry Alize't body to a hiding place. "If you get out on parole will you begin trying to get your husband re leased?" Governor McKelvie asked. "I do.Yt know that I will," she re plied. Education in Pen. Walter Rifenberg, known as the most handsome man in the peniten tiary, who is serving 25 years tor Baby Cyclone at York Tears Houses From Foundations Twister Is Followed by Damag ing Hailstorm Hundreds of Birds Killed by Hail at Wolbach. York. Neb.. July 11. (Special Tel egram.) Buildings were torn from their foundations, windmills over turned and machinery was scattered over the farms by a baby cyclone covering a strip 12 miles long and one mile wide, win struck the southern portion of the county last night. The twister was followed by a heavy hailstorm, demolishing all prospects for crops, fully one-half the wheat in shock is destroyed and prop erty greatly damaged. The hail storm extended into Hamilton county from the extreme southeastern part of York county.- Telephone and tele graph wires were greatly impaired by the storm. At the farm home of Arthur Fran ces, southwest of York, the furniture was completely wrecked by the storm, blowing in the windows de molishing a piano and greatly dam aged the outbuildings. The loss esti mated today is reported to be in the neighborhood of $60,000. Hail at Wolbach. Wolbach, Neb., July 11. (Special Telegram.) A very destructive rain, hail and windstorm struck this city at about 6 last evening. Vegetation was practically hammered into the ground. Large branches of trees were cut off, window glasses were shattered, chickens killed or drowned and hundreds of birds were killed. The storm broke suddenly and did not last over 10 minutes, but fully an inch of rain fell during that time. Reports indicate that the strip cover ed is small and does not reach far from the town limits. Three-Inch Rain. Pawnee, Neb.,' July 11. (Special Telegram.) Three inches of rain fell last night i.n a. continuous down pour that lasted 10 hours. Small Grain Damaged. Friend, Neb., July 11. (Special.) A severe windstorm struck this vi cinity Monday evening between 8 and 9 and much damage was done to trees and small grain in the shock. The wind twisted the tree tops, breaking many limbs, but in the country north and west of the city wheat shocks were torn to pieces and bundles were, in some places, carried long distances. Wind mills were blown down and de stroyed. Not much rain fell during the storm. The light plant was put out of commission by the falling of tree limbs onto the wires, and the city was in darkness for several hours. The smokestack was blown off the city power plant. A hailstorm struck the northeast ern part of Saline county last eve ning, doing considerable damage to growing crops. Listed corn will un doubtedly recover, but the checked corn that was so far advanced as to be in tassel has been damaged be yond recovery. Two-Inch Rain at Beatrice. Beatrice, Neb., July 11. (Special.) Nearly two inches of rain fell in this section of the state Sunday night, making a total of about seven inches of moisture during the past two weeks. Unless dry weather comes soon, farmers fear that their wheat will be damaged. Unusual "Wants" f Miss Alice Robertson, re publican c o n g r e s swoman from Oklahoma, used the classified "Want" Ad" col umns of her "home town" paper during her political campaign. flThis unique method of ad vertising is but one of the hundred ways to which clas sified or "Want" Ads can be utilized. f If you have something "dif ferent" or some hard prob- . lem to solve, give the work to an Omaha Bee "Want" Ad. You will find these "Want" Ads willing little workers on the job twenty four hours a day. In addi tion they work so reason ably, too. m, im. . (m i " a I "A. - Delia De Hart and Babe. murder of Jacob Davis at Ainsworth in 1V1I, asked the board to commute his sentence to 15 years. Rifenberg claimed the had become rejuvenated in the penitentiary. "I rtnlv tiarl a ttiiVrt.frruta r1lir.irinn ''fwhen I came here and after Warden Fenton took charge, they initiated schools and I educated myself, took correspondence courses and am now steward in charge of the hospital when the physician is away," Rifen berg said. Warden Fenton, Congressman Vaile of Colorado and numerous per sons who have known Rifenberg since he entered prison, presented letters to the effect that Rifenberg was a changed man and, if released, would in their opinion make good, "Tough Nuts Can't Get Away When Fred Sledge. Omaha gang ster, serving one to 10 years on a grand larceny charge, appeared be fore the board with his mother and wife, each with a baby in arms. Gov ernor McKelvie glanced at his record. It showed numerous arrests in Omaha on hold-up and larceny charges. "No use talking," the governor said. "These tough nuts from Oma ha might as well understand right now that they just can't get away with it any longer." Joseph "Shanley of Omaha, whose army records show his arm was rid dled with shrapnel in France, asked for a furlough to enter the govern ment hospital at St. Louis in order to have the arm amputated. The prison physician recommended the furlough. Shanley is serving from one to two years for burglary. . t Banker to Serve Term in Prison Sentence Imposed on F. M. Ridings Affirmed by Su preme Court. Lincoln, Neb., July 11. (Special Telegram.) The supreme court to day affirmed sentence of one to 10 years imposed on F. M. Ridings, president of the Farmers State bank, Halsey, by the Thomas county district conurt. The case was one of the first of more than a dozer prosecutions against bankheads sared by Aorney General Clarence A. Davis. Ridings was charged with issuing false cer tificates of deposits aggregating $20, 000 on the bank without delivering any valuable consideration in return. These certificates were sold to banks in North Dakota, Minnesota and other s.Xfs. , v After the ?rrest of Ridings these banks attempted to collect the money from the state guarantee fund. Davis refused to permit J. E. Hart, secre tary of trade and commerce, to draw on the fund to cover these certifi cates and took the fight to courts. The courts upheld the Davis claims that the guarantee fund was not le gally responsible for these certifi cates and $20,000 was saved the fund. Editorial Contest Is Open to All Newspaper Readers . "Your Chance to Help Form Public Opinion." That is what the The Omaha Bee editorial-writing contest offers every Nebraska newspaper reader. In co-operation with twenty-three other Nebraska newspapers, The Bee is conducting a scries of contests, each newspaper offering prizes for the best editorial submitted by one of its readers. In the case of The Bee the prize is $25; second prize, $15; third prize, $10. In addition, the three winners in each contest will be qualifed for a grand prize of $100 offered by The Bee for the best all-Nebraska editorial. , Read the rules. Then get busy. The Rules. PROFESSIONAL CONTEST: A prize of $100 for the best editorial submitted by a man or woman actively engaged in newspaper work in Nebraska: a second prize of $50; a third prize of $25. READERS CONTEST: A prize of $25 for the best editorial sub mitted by a reader of The Bee, not a newspaper employe; a second prize of $15; a third prize of $10. In addition, the three winners to be qualified to compete with the winners of similar contests conducted by 23 other Nebraska newspapers for a $100 grand prize offered by The Bee; $50 second prize, $25 third prize. Editorials may be submitted upon subjects within the following classes: (a) (b) Current politics. Current economic questions. (Examples: Taxa tion, marketing of farm products, freight rates.) Current social problems. (Examples: Prohibi tion, public schools, crime.) Human interest. (Based upon some incident or (c) (d) principle which may be expected to touch the reader's heart.) Editorials will be judged upon: (a) the interest which the subject has forNebraska people; (b) the clearness, the forcefulness and brevity with which the subject is discussed; (e) the merit of the purpose to which the editorial is directed. No editorial may exceed 500 words. Each editorial must bear the name, address and occupation of the author and must be written plainly on only one side of the sheet. Each contestant may submit one, two or three editorials. All contributions must be received not later than August 10; in case more than one is submitted, they may be sent in separately or together. Judges for the grand prizes will be three in number, appointed by the Nebraska State. Press association. Announcement of prize winners will be made at the meeting of the State Press association in Omaha August 31 to September 2. Address Editorial Contest Editor, The Omaha Bee, Omaha, Neb. OMAHA, WEDNESDAY, Strikers on U. P. System Enjoined Restraining Order Issued by Federal Court, Forbids In. j terfcrence With Men j Wprking in Shops. 'Hearing Set for July 20 The 1'iiion 1'aiilie railroad oh 'lied an injunction order from Fed- oral Judtjc Woodrougli yesterday iicrnoon, retraining striking em ployes from any Interference with the company's property or those who re main on their jobs in the shops. The restraining order is patterned after the one obtained Monday by the Burlington. Northwestern and Missouri Facific roads are expected to take similar action soon. . 15 Unions Affected. The Union Facific order is di rected at 15 unions of shopcrafts men and the railway employes depart ments of the Union Facific and American Federation of Labor. More than 1,700 employes are af fected. Judge Woodrougli set July 20, the same date as the Burlington hear ing, for this one. Claims Conflicting. "We honestly believe that shop men on the Union Pacific system are out as strong, if not stronger, than on the day they struck," said J. H. Furse, president of Union Pa cific System Federation No. 105, in a statement last night. "We have received no reports to indicate that any of our men are re turning to work, and, although it is entirely possible that the railroads are hiring new men, we don't believe the men they are hiring are me chanics." W. H. Guild, assistant to the vice president of the Union Pacific sys tem, said last night a total of 172 former employes returned to work on the system Monday and 236 new men were hired, according to this statement. "Everything is moving in good shape," added Guild. Trainmen Meet in Bluffs and Endorse Strike Resolutions of Support Are Adopted by Members of "Big Five" at Session in Labor Temple. About 1.000 trainmen of all rail roads running into Council Bluffs at tended a session of the "Big Five" unions at the La'jor temple Tuesday and adopted resolutions pledging themselves as" individuals to urge each of their respective crafts to give full and unqualified support to the present strike. Bert Parker, head of the switch men, presided at the meeting. After a general discussion of the situation and various declarations of senti ment, a special committee was ap pointed to draft resolutions. J. W. Dingman was chairman; F.. S. Stev ens, secretary, and H. G. Lemard, Fred G. Austin, George A. Siders and J. B. Fergeson were members. The resolutions were drawn as follows: "That we will take up with our different crafts the matter of giving our brother craftsmen, who, we be lieve, are making a stand for the just and right, our full and unqualified support. Hiind any one of the organizations or its officers to any part of this. "That it is and was a vote of the (Tarn to Page Two, Column Six.) JULY 12, 1922. Scenes in Path :v;;,,v(r--.-Tr -Z 32; - ' '" " . ,''1 ' - -I - ' Scenes showing damage done by tornacTo at Gregory, S. D. The tornado, sweeping a 20-mile path, killed one and injured 33 and resulted in property damage esti mated at 3,000,000. -4) Gregory, S. D., July 11. (Special.) J. H. Wilkerson Named to Succeed Landis Washington, July 11. James H. Wilkerson was nominated today by President Harding to be federal judge for the northern Illinois dis trict, succeeding for Judge Kenesaw Mountain Landis, who resigned sev eral months ago to become arbitrator of organized basball. James H. Wilkerson, successor to Judge Landis, has had a long career in Chicago as county attorney, mem ber of the Illinois legislature, as istant and later United States district attorney of Illinois. He was born at Savannah, Mo., December 11, 1869; graduated from Depauw university, Green Castle, Ind., and started the practice of law in Chicago. As assistant district attorney he prosecuted before Judge Landis the Standard Oil rebating cases in which Judge Landis announced the famous $29,000,000 fine. In 1910 Mr. Wilker son headed the prosecution of the anti-trust suits ' against the leading packers, and in 1911 he was ap pointed district attorney by President Taft. As assistant attorney general of Illinois he was prominent in the prosecution of the notorious embez zlement case against Governor Small. York Motorist Injured by Overturning of Car York, Neb., July 11. (Special Telegram.) O. W. Tomkinson lies in the Lutheran hospital with a broken shoulder, bruised body and internal injuries as the result of an automobile accident north of Bene dict last night. The front wheel of his car be came entangled in a rut, causing the machine to turn turtle and pinning Tomkinson under the wheel. Sur geons performed an operation on the injured man. He will recover, physi cians predict. Code Bill Suit Lost Lincoln, July 11. Application of Attorney Orville Jones of Lincoln for a peremptory writ of mandamus compelling Darius M. Amsberry, sec retary of state, to submit the civil administration code bill to a refer endum of the people in the fall elec tion, was denied by three judges of the Lancaster district court here. The decision was unanimouv t Mall It (..fll Oallf M . Mi Saw.., K M. allala KM, (I ! UK l M4 (I IWII U ft taataa, I'll . M of Tornado at One is dead, 33 are injured, and property is damaged $3,000,000 in the wake of a tornado that sw-ept a 20 mile path Saturday night from Gregory county, South Dakota, 100 miles southeast to Bloomfield, Neb. Howard Hughes was killed at St. Charles, S. D., a town of 200, that was virtually wiped off the map. Mrs. J. Hughes, mother of Howard, and V. Miller were dangerously injured. Mrs. Charles Shankweiler was probably fatally injured and 24 others were hurt at Creighton, Neb. Lakes Andes, s. D., a summer re sort, was virtually destroyed, and Mrs. H. Z." Miller, wife of a resort owner, was dangerously injured. Her baby, 8 months old, was swept away in the wind and found uninjured in a corn field hours afterward. urcgory county larmers are es timated to have lost $1,000,000 through the storm, which was marked with heavy falls of rain and hail. Relief is being sent to the devasted area from Sioux City, la. Harrison Attacks Brazilian Commission Lincoln. "Neb.,' July 11. (Special Telegram.) Frank A. Harrison, who recently resigned from the Brazilian commission following a row over method of expenditure of the appro priation made by congress, returned to his home at Lincoln today. "There are three classes of per sons on the commission," Harrison said, "those who want to draw pay without working, those who would not know how to work if they wanted to and those who were de termined to grab as much of the $1,000,000 appropriation as they could get." Omaha in 15th Place in Bank Deposits Per Capita Omaha ranks 15 among cities of the United States in bank deposits per capita, according to figures com piled by the Chamber of Commerce bureau of publicity. Per capita bank deposits are $508 in Omaha, as compared to Cincin nati's $500. Detroit's $466; St. Paul's $400; Milwaukee's $407, and Seattle's $400. . Cities leading Omaha in per capita deposits are Pittsburgh, San Francisco, Boston, Denver, Los Angeles, Cleveland, New York, Kan sas City, Chicago, Philadelphia. St. Louis, Richmond, Dallas and Balti more. , Gregory, S. D, J. E. Masters Elected Grand Ruler of Elks Atlantic City, N. J., July 11. The first executive business session of the annual convention of the Benevolent and Protective Order of Elks com menced today with Grand Exalted Ruler William Wallace Mountain presiding. Most important of the reports presented was that of the Elks national memorial headquarters building commission, headed by For mer Governor John K. Tener of Pennsylvania. According to the report of the grand secretary, Fred Robinson, charitable work bv the Elks since 1880 amounts to $13,730,433.20. J. Edgar Masters of Charleroi. Pa., was unanimously elected grand ex alted ruler. Pawnee City Banker Heads Savings Bank in West Pawnee City, Neb., July 11. H. A. Eull, former successful banker of this county, is heading a new savings bank recently organized in Long Beach, Cal., by him. It is called the American Savings Bank of Long Beach and has a capital of $200,000 and a surplus of $40,000. They opened for business on July 1. Wife of Congressman to Be Buried at Hastings Hastings, Neb., July 11. (Special Telegram.) Funeral services for Mrs. Mira Andrews, wife of Repre sentative W. E. Andrews, will be held at the residence here at 2 Fri day afternoon. The funeral party will arrive from Washington Thurs day morning. m , Fall Authorized to Survey Columbia Basin Washington, July 11. The bill authorizing Secretary Fall to investi gate, survey and report to congress on the Columbia basin irrigation project in Washington state was passed today by the senate. Navy Enlistment Resumed. Washington, July 11. After a year's suspension, recruiting for the navy, under orders published today, will be resumed. Sixty-five thousand men will have to enlist or re-enlist in the coming year in order to keep the navy up to the 86,000 men authorized under the naval appropriation bill. TWO CENTS Rail Strike Taken Up by Cabinet I'miilent ami iVeretaries .Will 10iMte Interference ;. of Union.: With Mail Trains or Commerce. Daugherty Ready to Act By ARTHUR SEARS IIENNINC. Dinah Mr ImwiI Washington. July 11. The United States Rovertiment will not tolerate ii'terlcremc with the transit of the mails, interruption of interstate com merce or interference with the ri(;ht of employment. This wa unanimous decision of Prcsidrn Harding and his cavinet at the scmi-wcckly meeting today. The strike of railway shopcrafts employes was the principal subject of discus sion. It wa determined, moreover, that all the resources of the government should be employed, it necessary, to carry out this policy. After the cabinet meeting it was announced at the White House that President Harding would issue a statement setting forth in detail the attitude of '.he government toward he strike and indicating the meas ures that may be invoked to deal with it. Harding is Anxious. Believing that the coal strike is now in process ' of settlement the president has ceased to worny about that matter but did not conceal tho fact that he is prey to considerable anxiety over developments iu the railroad strike. He regards it his duty to adopt a tirm attitude and to lose no time in checking by aggres sive action the spread of violence which already has begun to interfere with transportation and the transit of the mail?. Attorney General Daugherty said that the situation up to date, in his opinion, did not warrant tne. institu tion nf letral nroceedines aeainst the strikers by the government, but that as soon as the president denned me policy of the government he would be ready to proceed to carry out any measures within his jurisdiction which the executive may specify. The Department of Justice con tinnpH rlnrinir the dav to appoint special deputy marshals to cope with violence wherever requests tor sucn reinforcements were made by judges or district attorneys. Mail Interfered With. Postmaster General Work sub mitted to the cabinet meeting a sur vey of the instances of interference with the transportation of the mails. Three thousand miles of railway mail service on the Wabash railway will be out of operation today, ac cording to the telegram received by tfie Postoffice department from S. H. Cisler, superintendent of mails at St. Louis. Superintendent Cisler states that President J. E. Taussig o fthe Wabash Raiyway company has made this announcement, but did not say what trains will be with drawn. Mr. Cisler is also advised that the situation on the Missouri, Kan sas & Texas railway is assuming se rious proportions and that this road has been unable to provide train ser vice since yesteday on the Hannibal & New Franklin line. Superintendent Cisler stated that the fuel situation is very Serious be cause of the impossibility of getting, coal moved over, foreign lines from the mines. The Frisco system announces that it has no intention of withdrawing "rrai.ns. Cisler states that no trouble was reported at Springfield or other points in Missouri yesterday and that the situation in Kansas City is good, Mrs. Stokes Wins Suit to Save Dower Rights New York, July 11. Mrs. Helen Elwood Stokes won her fight to have her dower rights to property valued at more than $6,000,000 restored when Supreme Court Justice Daniel F. Cohalan handed down a decision in the suit she brought against her husband, W. E. D. Stokes, wealthy hotel man and real estate operator. Mrs. Stokes alleged that she signed -away her dower right9 to the prop erty under a misapprehensicm that it was necessary for, her to do so at once. The defendant claimed that she had signed over her dower rights as part of an ante-nuptial pact. Mrs. Stokes, who secured a separa tion from her husband and $18,000 a year temporary alimony last fall, will have an interest amounting to about $2,500,000 in the Stokes prop erty, it was said, if Justice Cohalan's decision is upheldTby the high coui ' to which appeal will be taken. Missouri Pacific Rescinds Order to Cancel Eight Trains Falls City, Neb., July 11. (Special Telegram.) Superintendent W. F. Kirk of the Omaha division of the Missouri Pacific announced that the previous order cancelling eight trains on the division has been rescinded due to the new development in the coal miners' situation. All trains will run according to the old schedule. The Weather Forecast. Wednesday, fair; not much change in temperature. Hourly Temperatures. 5 a. m 89 a. m 39 7 a. m J R a. m ..64 9 a. m . 10 a. m o 11 a. m 73 li (noon) 1 p. m 2 p. m S p. m 4 p. m ft p. m (I p. m 7 p. m .7S ,7 .76 .It .9 J M M m R .la . I P. m Highest Tuesday. ChfTrfln 70 Davrnnort M Draw SO l) Molar .....HO North run ... Purblo Salt Lak CUT.. Mntu Fa SfaerMaa liodir tlty 74 lender to