Story of Flood Based on Tradition Declares Pastor Dr. Frank Smith Speaks on Buckner Controversy and Biblical Truths in Sunday Sermon. "The story of the flood Is a prehis toric legend." declared Dr. Frank Smith, speaking to his congregation st the First Congregational church yesterday morning on "The Buckner Controversy and Its Relation to the Trustworthiness of the Bible.” Rev. 3. D. M. Buckner, since his retirement by the Methodist confer ence, has atracted attention through out the country because of views which did not meet approval of those in authority in the Methodist church. "Rev. Mr. Buckner, in a recent state ment, wrote that his critics have dodged the Issue and have not an swered the questions he raised,” said Dr. Smith. "I have not seen a con structive explanation of Mr. Buck ner's attitude of mind and thought. One of the questions he asked w-as 'Do you believe in the story of the flood?' I will reply to that by first stating that the Bible Is the world's greatest and best story of the entrance of Ood into human life and human experience. I will add that no new moral or spiritual truth has been given to the world since Christ was here nearly 2,000 years ago. Has Great Truths. "My heart responds to the great verities of this book—to the great abiding truths that find their echo in the hearts of men. Now, I am asked if I believe the story of the flood. If you ask me whether I believe In the story as a literal narrative of an inci dent which occurred centuries ago, I will answer ‘No.’ I doubt whether 25 per cent of this congregation have even read the story of the flood dur ing the last 10 years. "Tou know that It is not true lo say that a man built a large ship and took therein all kinds of animals and birds. This story of the flood is a pre historic legend, and we know that a legend Is a narrative, usually inter esting and based on tradition and un consciously embodying popular belief. The story of George Washington and the hatchet probably is a legend and no doubt there are stories today of I.lncoln, not based alto^i (her on facts. There was probably some foundation for the Bible story of the flood. There was a flood Jnd some prehistoric man made provls'on against such a dis aster. He pi .hably placed in his craft such animals and birds that he own ed and when the flood spread all about him, he thought the whole earth was covered. Came From Tradition. "Let us remember that the five great stories which we find in the first IX chapters of the Bible came out of the traditional past. It was an endeavor of a primitive people to state an abstract truth in a concrete form. The flood is a great prehis toric legend which the Hebrew peo ple Mm pro vert upon. But what a small thing a flood Is compared 10 the great wealth of truth we find In the Bible, which offers permanent and rpirituH! value to the people of the earth. Its inspiration rests on the influence of the personality of Jehovah on hu manity. This Inspiration does not mean that Jehovah sut down, as I would with my stenographer, and dic tated, but It means that Jehovah im pressed His spiritual and moral in fluence on the minds and hearts of men centuries ago. The Bible is authoritative and holds power over my soul; it grips the human heart with its great and enduring moral truths. "Itev. Mr. Bucknell has asked his critics whether they believe that Christ came to earth to manifest the life of the Father. I believe that Christ did come to earth to reveal the life of the Father and to soften the hearts of humanity. Man does not become a fine character until he hears the music of God's voice. God is con cerned about making men good here and now, so that they may enter heaven. There is no creed or cere monial of admittance to heaven un less a man has the key in his own heart. I say that God does reveal himself here and now.” Did God Want Slaying* Rev. Mr. Buckner has asked: "Do you believe that God commanded the soldiers of Israel to slay; that he com manded that those who worshiped other gods should be slain?” 'You can't say, ‘Thus Haith the Lord.’ to every act that Moses did or for every act of the children of Israel,” said Dr. Smith. ”1 don't be lieve that God told Germany to slay the Belgians. I don't believe that God sets his seal of approval on war and I am not a pacifist. “And again I say. that the Bible is the world's best and greatest story of the entrance of God into human life and human experience.” Prohibition Agent Shot in Battle With Moonshiners Mount Sterling. Ky., Deo. 10.—Rob ert E. Duff, federal prohibition agent, was shot from ambush in a battle with alleged moonshiners in the hills of Menifee county. Prohibition agents from various sec tlons of the state were being assem bled here to Join a posse which was being formed to go to the scene of the battle A telegram was sent by United States Commissioner W. H. Wood to the secretary of war asking that the commanding officer at Fort Thomas be Instructed to hold troops In readi ness to entrain for the scene of the battle. Former Milligan Banker ““^Pleads Guilty in U. S. Court Lincoln. Dec. 10.—Louis Larson. Henry Carnes and Thomas Skaggs were sentenced by United States Dis trict Judge Thomas C. Munger to serve respectively five, two, and • year and a day in the federal peniten tiary at Leavenworth, Kan. Larson was convicted of automobile stealing and Carnes and Skaggs pleaded guilty to Indictments charging illegal pos session of narcotics. Adolph Kotas, former banker of the town of Milligan, pleaded guilty to tbs charge of converting liberty bonds by means of forged endorsements. His sentence was deferred. Activities of Insurgent Bloc Portrayed in Song and Verse Efforts of Radicals in Congress to Gain Control of Government Chief Theme at Gridiron Dinner— Guests Met by Fascisti—President Harding Interested Watcher and Listener. Omaha Be© Lcasd Wire. Washington. Dec. 10.—The radical bloc in congress and its efforts to gain control of the government formed the chief theme of burlesque at the Gridiron dinner. The dinner fol lowed the annual election of the club, at which Arthur Sears Henning. Washington correspondent of the Chicago Tribune, was elected presi dent. President Harding, who headed the list of distinguished guests, was an interested watcher and listener as the activities of the insurgents were portrayed in song and verse. As the guests entered the hall they noted pickets attired in the black shirts and hats of fascistl. One of the picket banners bore the legend' "Mr. President, are you with us or against us?" "The hour has come.” President Hornaday of the club had scarcely rapped for order when a mob of fascist! rushed into the hall in vio lent protest against this rule by "lame duckH.” A new president had been elected by the club a few hours earlier and the occasion was taken to burlesque the radical program on the Capitol hill to wipe out "lame duck” congresses. Witches Brew Broth. The third party skit was the chief feature, written as presumably Shakespeare or Bucon would have written a one-act characterization of the radical bloc's drive. The scene opened with the three witches brew ing a "new party broth” in a caul dron. The witches were Borah, La Follette and Hiram Johnson. The music was an enlivening fea ture of the dinner. There was a par ody on a well known song entitled, "Sailing, Palling, Over the Three Mile Line,” which described the troubles of the rum ships, while "Listen to the Mocking Bird” was paraphrased into a story of the democratic victories in the -last election with the refrain, ‘Moisten to the McAdoo." The names of other possible presi dential candidates were in like man ner attached to the several verses. The musical skit was entitled “The Gridiron Follies of 1922,” with the so loists and chorus attired in harlequin suits of various colors. “I thought the follies was largely a leg show," remarked one of the sing ers, when the title had been an nounced. "Sure enough," was the re sponse. "Produce the leg.” There upon a wooden leg, encased in a big boot, was hoisted on a tall pole in the background and the performance proceeded. Notables Attend. The gathering was remarkable for its personnel, including President Harding, Vico President Coolidge, every member of the cabinet, the Brit ish and French ambassadors, Associ ate Justice Sutherland of the United States supreme court, Daniel Willard, president of the Baltimore & Ohio; C. H, Markham, president of the Illinois Central railroad; K. A. S. Franklin, president of the International Mercan tile Marine company, besides a score of senators and senators-elect, includ ing Edwards of New Jersey, Couzens of Michigan, Representative Volstead of Minnesota, prominent newspaper owners and editors and distinguished then from all sections of the country. Speeches were mnde by President Harding, Justice Sutherland, former Vice President Marshall, Senator Borah, Rev. James E. Freeman, rec tor of the Epiphany church, Wash ington, and "Uncle Joe" Cannon. This will lie the last public entertainment in the national capital at which the venerable ex-speaker of the house will appear. He was presented with a bronze gridiron as a memento of the occasion Suburban Police Stations in Omaha Urged by Clubs Police Must Be Equipped as Well as Criminals to Cope With Them, Expo nents Say. Practically every civic and improve ment organization in Omaha is unani mously in favor of the proposed plan for the establishment of suburban po lice stations and motoreycle patrol service. This question has been dis cussed in a large number of meetings ■ of the various organizations. Police Commissioner Dunn is a j strong advocate of this new system of police protection, pointing out the fact that practically every criminal operating in the city, outside of the business district, does so with the aid of automobiles or trucks. Lorenz Petersen, grocer, Thirty sixth and Ames avenue, ut a meeting of the Monmouth Park Improvement club, stated had this system been in effect his store would not have been robbed. At 2 In the morning a large truck backed up to his front door, every light in the store was turned on and the thieves took their time (about three-quarters of an hour) in helping themselves to the best of his stock. Numerous instances like this have been quoted in meetings showing that if Omaha is to have the protection it should have, the police must be j equipped equally as well as the crlm- j inals. Petitions are being circulated by the various civic and Improvement organ izations and thousands of signatures will be presented to the city commis sioners at a meeting some time this month. Organizations that have endorsed the plan are: Rotary club. Triangle : club, Kiwanis club, Continental club. Lions club, Omnha Chamber of Com- j merce. Business and Professional Woman's division, Omaha Real Estate board. West Leavenworth Improve ment club. Monmouth Park Improve ment club, Field club. North Omaha Activities association, Fontenelle Im provement club, Kenwood Fairfnx Im provement club, Southeast Improve ment club, Omnha Manufacturers' As sociation. Moving picture houses are co-oper ating in the movement by running films this week, including a map of the policed districts and showing that from 85 to 90 per cent of the city is not policed, except by an occasional motorcycle officer. The city commissioners’ budget for expenses will be determined about January 1. when members of these clubs hope to see the necessary funds to put this system into effect appro priated. Hunt No Longer, Diogenes; Here Is an Honest Woman Oh, Mr. Diogenes, hurry with your lantern; here is—not an honest man— but an honest woman. Agnes Miller, 4526 Decautr street, picked up her groceries in her usual manner and placed them in her bas ket at the Piggly-Wiggly store, 4327 Decatur street Saturday. When she arrived home she discovered that she also had a sack of money. In the sack was J250. It had been left on the counter by the cashier of the store. She caJled the manager of the store, i She was given a sack of flour as a j reward. Double Compartment Mail Boxes Declared Success Washington, Dec. 10.—Records kept by the Postofflce department during the past two weeks on "double com partment” boxes in this city indicate the probability, it was announced, that similar boxes soon will be placed In all the larger cities of the country. The boxes have two slots, one for local mall and one for out of-town mall. Only 6 per cent of the mail taken from the experimental boyes were found in the wrong com partment. Nebraska Brief on Language Law Is Completed Attorney General Davis Makes Public Principal Points in State’s Contention on Law. Lincoln, Dec. 10.—A brief in su preme court of the Nebraska lan guage law lias been prepared at the office of Attorney General Davis, it was announced, for submission to the United States supreme court at Washington, December 18, without oral argument. It is sup posed here the Nebraska law will be considered at the same time as that of the laws of Ohio and Iowa. The Nebraska law stands suspended as a result of the writ of error issued by the supreme court of Nebraska. In the brief made public today the attorney general's office makes the following points: The Nebraska foreign language slatute was a legitimate exercise of the police powers of the state. The Nebraska statute does not cur tail constitutional guarantee of re ligious liberty. Tho Nebraska statute is neither un reasonable nor arbitrary classifica tion. The Nebraska statute does not violate the constitutional guarantee of personal ilnerty or private prop erty. The state has the right to regulate courses of study in schools. Tip From Woman Leads to Arrest for Murder Buy City, Mich., Dec. 10.—Arraign ment of Harold H. Mendell. 42, charged with slaying his closest friend, Rollin Morgan, 35, whose body was recovered from the Kawkawlln river August 9, was postponed until Monday. Mendell is being held in communicado at the county jail. An admonition to investigate Mor gan's death, received at the sheriff's office from an unidentified woman, led to the charge against Mendell, ac cording to Sheriff Theodore Trudell. Tho sheriff said the woman called while he was absent and told Mrs. Trudell Morgan's death might not have been accidental. Morgan was father of three chil dren, the eldest 7 years old. Cost of Harvard University Over Six Million Yearly Cambridge, Mass., Dec. 10 —It costs more than $6,000,000 a year to run Harvard university. The annual state ment of the treasurer. Charles C. Frances Adams, shows that the total expenditure reached the sum of $6,045,071. involving an operating def icit of $77,536 for the year ending June 30. The deficit, however was much smaller than that of the preced ing year, when the university ran be hind over $338,000. ----- Spook on Ocean-Going Steamer Turns Out to Be Stowaway With Piccolo Hoboken, N. J., Dec. 10.—A weird piping coming from a coal Diinker on | the transatlantic liner America shock ' ed Otto Schmidt, a coal passer, to | death, so his fellow stokers Insisted, : when the liner arrived from Bremen i today. The ship’s doctor, however, said it was heart disease. In any event, the stockers were full of the story of the haunted ship. They said the "tweet-tweet" kept coming from the bunkers and they all got so frightened they appealed to the cap : tain for action. He investigated and as a result a stowaway, who had aspirations to play on the piccolo in the opera orchestra here, was brought | to the deck. His ambition was so ! great, he said, he couldn't lesist the j temptation to practice. * He's going back. Governor-Elect Invites World to Inauguration Call for Enough Provender to Feed 2,000 People Two Days Broadcast Over Oklahoma. Oklahoma City. Dec. 10.—A call for enough provender to serve 200.000 per sons two days lias gone out over Ok lahoma. Governor-elect J. C. Walton, demo crat, has invited the world at large to his inaugural party, January 10 and 11, at the state fair grounds here. He said he expects his guests to come by ox trains, airplanes, motor cars, special railroad trains, riding the rods and cushions, afoot, horse back and by nil other methods of travel. He will serve them barbecue and give a square dance on the complete ly floored-in circle of a half-mile race track. Dan V. Lackey, prizefight promoter, is chairman of the committee of 300 members arranging the festivities. List of Supplies. Here is a tentative list of supplies for the barbecue, prepared by Lackey: Five hundred beef cattle, 200 hogs, 200 sheep, 5,000^ chickens, 1,000 tur keys, 3,000 rabbits, 1,000 squirrels, 200 opossums, 500 ducks and geese, 10 buffalo, 10 bears, 10 deer, 10 an telope, 5 tons of coffee, 5 tons of salt, 5 tons of sugar, 1,000 pounds of pep per 250 bushels of onions; 100,000 loaves of bread; 100,000 buns, 15 car loads of firewood and 3 carloads of pineknots for kindling. Here might be included, also, as listed by Lackey, 3,000 persons :o serve the multitude, ami 500 expert butchers, sheers and harbecuers. The new governor is to take his office on a stand erected In the race track paddock. The two houses of the state legislature will convene in joint session on the stand and swear into office thee hief justico of the su preme court who will then administer the oath to the chief executive. This is to take place January 9. The two day celebration will follow. I’arade to Start Fun. The new governor will ride a $5, 000 saddle horse, seated on a $10,000 saddle, in a parade which will start the festivities. The horse has been promised, according to Lackey, by Col. Zach Mulhall of Mulhall, Okl., and the diafnond and ruby studded gold-mounted saddle by Col. George Miller of the 101 ranch. Both are members of the central barbecue com mittee, as is also “Pawnee Bill,” showman and rancher. Word has gone to democratic head quarters in every county of the state to enlist all the old-fashioned fiddlers who know how to play "Turkey in the Straw.” Other oldtlmers who spe cialized in calling the figures for dances are being sought. Adjt. Gen. C. F. Barrett has prom ised that units of the Oklahoma Na tional guard will police the gather ing. From National guard and regu lar army sources in the state, accord ing to Lackey, It is expected that enough tents can be gathered to shel ter the visitors. Indians to Stage Dances. Among the especially invited guests of the new governor at hts inaugural party will be about 1,000 Indians, representing all the tribes living In Oklahoma. Several tribes have prom ised to stage dances. Governor-elect Walton was the nominee of the democratic party. In his statewide campaign he promised that if he wero chosen for the office of chief executive his Inaugural ball would be no "pink tea party,” for the "400,” but would be a real old fashioned outdoor celebration for any one who cared to be present. The barbecue will carry out his campaign promise. Walton's barbecue, however, will not be the first inaugural celebration of Its kind in Oklahoma. C. H. Has kell, the first governor of the state who, in 1307, took the oath of office three hours after the president had signed the statehood bill, gave such a celebration at Guthrie, the former state capital. Mother and Four Small Children Die in Fire Eldorado, Kan., Dec-10.—Mrs. C. C. Catton and her four small children were burned to deah at Hav erhill, 12 miles south of here, accord ing to a report reaching here. When Mr. Cotton returned to his home from a trip to Augusta he found his wife outside the house dead with her cloth ing burned from her body. The house was burning and the cries of the chil dren could be heard. They were dead when he fought his way through the flames and carried them out. Mississippi Flood Control Legislation Discussed Washington Deo. 10.—Legislation affecting flood control on the Missis sippi river was discussed here by di rectors of the Mississippi liver flood control association, preparatory to the appearance of spokesmen for the organization before a house committee next week. It whs decided to make the pending Humphries-Wilson bill the basis for discussion before the committee. Aside from the flood control ques tion, the house committee will take up navigation on the Mississippi and the Ohio, with particular reference to the maintenance of the barge lines established by the federal government. This matter will be discussed by rep resentatives from Pittsburgh and other mtdwestern cities affected. Doug and Mary Charter Vessel to Circle Globe New York. Dec. 10.—Douglas Fair hanks and Mary Piekford plan to circumnavigate the globe in a Jap anese liner next spring. The trip will start from San Francisco. KODAKS And many other us. ful articles in our stock will solve the g'.ft problem. Christmas Greeting Cards and Seals. The Robert Dempster Co. Eastman Kodak Co. 1S13 Farnem Street. Branch 308 South 15th Street. State Refuses to Prosecute Editor Under Kansas Law Action Against William Allen White, Charged With Expressing Sympathy for Strikers in Railway Walkout, Dismissed—Judge Says Suit Was Started Without Investigating Facts. Emporia, Kan-. Dec. 10.—The state's case against William Allen While, Emporia editor, charged with violat ing the industrial court law by plac ing a placard in the window of his newspaper oflice, was dismissed in district court. Judge W. C. Harris presiding. Mr. White appeared at the court with his attorney. White, in a statement after the hearing, declared he had been “ku kluxed” and “by a court that did not have the 'guts’ to pull out thel1" shirt tails and give a ku klux parade.” It. M. Hammer, attorney for White, asked Judge Harris if he would make a statement as to whether White had been done an injustice by the admin istration's actions. After reviewing the information and citing the fact that three times Mr. White appeared demanding trial and three times the state refused to t:y him, asking continuances, Judge Harris said: Judge Soys Wrong Done. "The state has a legal right to a dismissal of its case, but it is a great wrong to charge a person with a criminal offense and humiliate him by arrest maliciously or without prob able cause; the lay mind associates arrest with guilt. The court is forced to the conclusion in this case by the conduct of the moving party, that this case was commenced maliciously or recklessly ■without investigation of the facts to ascertain whether a prosecu tion was Justified and in event the action was equally reprehensible. "A defendant in a criminal prosecu tion is entitled to fair treatment. 1 do not think the defendant In this case has had it. lie is left in a most embarrassing position.” Judge Harris emphasized the wrong that had been done Mr. White by re citing rumors which the state's persis tent refusal to try him had started. White Disappointed. "Of course, I am bitterly disap pointed at the outcome of this case, Mr. White said in a statement this evening. "I was arrested during the late railroad strike for posting in my window a placard declaring half-way sympathy with the strike in which 1 did not wholly believe. The governor had ordered all placards down. I denied his order In order to test the case in the court because good lawyers said it was an illegal order. The test was brought because I feel that Gov ernor Allen, in his anxiety to make the Industrial court function, over stepped the law in his order forbidding an outside party to the controversy to express any temperate opinion about the controversy and because I sin cerely feel It was against the good public policy. The point I raised never has been decided in the courts. Hero was a chance to decide it. “Now, to understand exactly why the state did not want It decided, a few facts must be known. First, the attorney general advised the governor against making the arrest, directing that I had not violated the picketing law, and the attorney general would not draw up the warrant. No Law Violated. “Judge Jliggins, chairman of the in dustrial court, declared publicly that 1 had violated no law. lie agreed with the attorney general. But Judge McDermott of the industrial court felt that an arrest should be made and is responsible for the warrant, signed by a clerk In the governor's office. “The warrant alleged two things for which there was not the slightest evidence and that is why Judge Mc Dermott is afraid to have it tried. The two things were a charge of con spiracy with three men I never saw or heard of and a charge that I had stopped Santa Fe trains, which is silly. Now. the reason those two tricky charges were made wras to prevent me from going immediately In the su premo court and demanding relief on a habeas corpus. This I could have done if the warrant had been drawn merely alleging the fact in the case. "I begged the governor to amend the warrant in accordance with the undis puted facts, so that he could get the supreme court to decide the funda mental question at issue in the su preme court. I had his assurance be fore he left for the governors' confer ence in the east that some way would be found to get the case into the court. But Judge McDermott vetoed him. Of course, as the attorney general's office did not believe in the case, as it had been brought against their judgment, they would not try it. And so we go into the next labor controversy with out an important point settled, which might have been settled. No Cases Tried. "Under the promise of the trial, I asked that the placards come down and they came down all over the state. 1 am now denied a trial, and what is more, the state has not dared to try anyone else for displaying that poster, though banks, big stores, hotels and offices all over Kansas dis played the objectionable placards. “It all amounts to this: This indus trial court law, which I believe was written to establish law and order in industrial controversies, will never stand in the books if under It men are arrested on tricky warrants that the state dare not defend in courts. Prussian methods on tho part of offi cers of the law on behalf of law with out warrant of law, are worse than lawless methods of capital and labor In their battles. If I was within the law in contending for the right of free utterance for the puhlic wholly outside the controversy, then I should not have been subject to a shang haied arrest. If I was wrong, and if the industrial court law does gag the public whose interests the law should protect, then I should have been tried and put in jail. I was ‘Ku Kluxed' and by a court that did not have the guts to pull out their shirttalls and give a Ku Klux parade.” Governor Denies Injury. Minneapolis, Dec. 9.—"It's all non sense to talk about an injustice i ty ing been done William Allen White,” declared Governor H. J. Allen of Kan sas, here tonight, when informed of Mr. White’s statement following dis missal of the case against him at Em poria. "Mr. White stated at the time that he was trying to see how near he could come to violating the law” con tinued Governor Allen. "The whole incident has been a merry holiday for him and there Is nothing sadder to see than a merry man now shedding crocodile tearB in ar. effort to make the public believe that he had been martyrized He is making more fuss than Alexander Ho wat did when we sent him to jail. The attitude of public minds has not been changed toward the industrial court law." ‘City Beautiful’ to Rise on Site of Flame-Swept Town Steps Taken to Prevent ‘Shack town’ on Ruins of Astoria —Rain Quenches Dy ing Embers. — Astoria, Ore., Dec. 10.—(By A. P.)— Halil fell oil the ruins of As toria's business district, helping fire men to quench the smouldering re mains of the blaze which Friday w iped out the heart of this eentury-old city. But neither the rain nor the gloomy aspect quenched the spirit of Astoria's leading citizens, who vigorously at tacked the job of rehabilitation. The vision of a “city beautiful" to replace the one gone up in smoke was before the men who gathered to plan the reconstruction. To avoid the springing up of a "shacktowm" on the ashes, they made provision for the erection of temporary structures out side the hurned area under permits is sued by authority of a committee which took charge of the entire locdl situation. An executive committee, composed of officials and business men, clothed itself with power to handle not only relief work and reconstruction prob lems but to administer municipal af fairs until such time as orderly condi tions ure re-established. The relief work was well In hand to day and there was no prospect of physical suffering. To provide meals for such as could not be accommo dated In the homes of the city. Na tional guard forces today began serv ing meals from two rolling kitchens in one of the buildings which escaped the flames. Insurance adjusters established headquarters at the courthouse and sent out notices to all fire sufferers to send in their claims. No official estimate of the aggregate loss was made, hut the general opinion of busi ness men who were familiar with local conditions was that the loss would be between $10,000,000 and $12,000,000. Sugar Beet Farmers Will Get $ 1 Bonus Scottsbluff, Neb., Der. 10.—(Special Telegram.)—The Great Western Sugar company has announced that it will pay sugar beet farmers an additional $1 per ton, above the $5 minimum, as a first payment under the sliding scale contract on December 22. This means that in the four factory dis tricts of Scottsbiuff, Gering, Mitchell and Bayard, the sum of $647,000 will be paid out. The company announces that it does not consider this the final pay ment by any means and many beet growers believe that the final bonus, based upon selling price for sugar, will amount to about $2 a ton, giving farmers of this region $1,500,000 in excess of the $3,500,000 guarantee un der their contracts. The payment is expected to materially aid business conditions in this region. PENN MUTUAL LIFE $5,000.00 Policy Costs $69.70 Age 40; dividends reduce this cost after first year: organized 1847: assets over 200 millions. 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