NY STATIN lil ulAlfiO Prosperity Is Widespread and Farm Mortgages Are Decreasing , More Bank Deposits in States That Bryan Is Hopeful of Carrying , Business Conditions Generally Im proving and Better Times Prevailing. Some of the Strongest Testimony Comes from Candidate Bryan's Own State. In order to secure = ome up-to-date facts relative to conditions prevailing among the people all over the United States , and particularly in the west ern states , letters have recently been sent to business men in the large cit ies and in the country towns in those sections. The inquiries related to the bank deposits , and what better ment if any was noticeable among the borrowing classes. Some of the strongest replies that have been re ceived come from Nebraska , Mr. Bry an's own state. It is to be noted that the 01113' discordant note came from Deadwood , S. D. The complaint there was that gold is worth no more than it was four years ago , while oth er commodities have increased. Some of the replies , in l rief are summarized : Colorado. Brown & Nourse , attor neys for the First National bank : "The business of this part of the country has vastly improved under the republican administration. Cat- \ tie are worth twice as much as they I were four years ago , sheep two or three times as much. Many of the farr-.rs ( or ranchmen ) lave paid up ir .i-igages existing years ago. Col lections are much easier to make and i merchants have little trouble in col- ' lecting. We can safelj * say there is not a laboring man in the state of Colorado ( who desires labor ) who is out of work to-daj- . " Illinois. J. R. Walsh ( a democrat ) president Chicago national bank : "I never knew a time when commercial paper was paid up more promptly than todaour notary complains that he has no protesting- do. The rate of interest is now verj * low. This /.s no doubt due to the additional cur rency issued under the new law , the enormous production of gold in this countoy , and more prosperous times generally. " II A. G. Becker , dealer in cattle paM - M per , Chicago : "About $40,000,000 or $50,000,000 annually are now loaned by eastern banks on cattle , where for merly this paper was never looked upon with favor. This , of course , has niadeit very much easier for the farm er to obtain his money , thereby buying \ more cattle , and instead of selling his corn he kept this for feed , and for raising hogs. Altogether it has been quite a revolution for the farmer all through the west , and we are very sure it has come to stay , of course on condition that we retain sound money and republican admin istration. " ' Indiana. C. T. Lindsej * , Cashier of the Citizens' national bank , South Bend , Ind. , says : "Savings and com mercial accounts in South Bend have increased over four years ago 55 per cent , , and 150 per cent. each. In gen eral our farmers are well to do , man ufacturers are employing a world of men , running full time , and in some instances over time. " Second national bank , Richmond mend , Ind. : "Bank deposits in our community have more than doubled ln the past four years. At least 25 : 'Jper cent , of the mortgages on farms this locality have been paid. The [ merchants are experiencing a won- dJjrful improvement in trade. " Indiana national bank , Indianapolis - lis , Ind. : "Since 1S96 bank deposits in this community have almost doub- led. Interest rates on municipal obonds have greatly declined. There considerably more money being 1 loaned on mortgages by small invest- it ors. " Kansas. Ira P. Nye , cashier na tional bank , Eureka , Kan. : "Depos its have increased about 25 per cent , since 1S96. There has been an im provement in our local credits of from 20 to 25 per cent. Farm mort gages have decreased nearly one-half since 1S96. The principal reason there for is the universal prosperity brought on by a wise and judicious administration. " Kentucky. L. C. Murray , president , the American national bank , Louis ville , Ky. : "All bank deposits in this community have about doubled since lS96. The agricultural interests in is whole community have improved 4o such an extent as is really remark able , and contentment and plenty are shown on all hands , and only polit ical disturbances occur. We only vhope that four years more of such prosperity can be attained , for this ommunity has never before been in cli a prosperous condition. Michigan. M. L. Williams , vice president , the Commercial national bank , Detroit , Mich. : "Both savings and commercial deposits have in creased with us about 50 per cent. Wespectively , during1 the last four w UTS ; while credits of this district i tavfe increased about- per cent. The improvement in the condition of the debtor class has been material. Minnesota. J. H. Dight , cashier First national bank. Duluth : "A num ber of our people in mercantile pur suits who hud borrowed money and were unable to pay four years ag 5wve large 13 * reduced or wiped ou their debts. Some who were in goo financial condition have become ver , much betteroff. , We do not know o any merchants of business capacitj who have not very materially im proved their position. A. L. Alness , president Scandina vian-American bank , St. Paul , Minn. "This bank's deposits compared wit ] three years ago have increased 9 per cent. I estimate G5 per cent , o mortgages on homesteads of median ics , laborers and small business men have been paid and 23 per cent , have been reduced. Money has been chea ] and abundant since 1897. " Montana. H. II. Matteson , cashier First national bank of Great Falls Mont. : "Bank deposits show an in crease in our community as comparer with four-years ago of 118 per cent Four years ago our sheep interests which comprised almost wholly our borrowing class , were heavily in debt To-day , while they have not beconc loaners of money , they are far less tn debt , and as a general rule are car rying increased flocks. Nebraska. S. II. Burnham. presi dent First national bank of Lincoln Lincoln , Neb. : "Bank deposits have increased in the banks df this city during the past five years 64 per cent , Never in the history of this state has money been at so low a rate on good securities as it is at the present time. Farmers can borrow all the money they want on first mortgages on their farms at live per cent , interest , while four 3'ears ago it was difficult for them to get it at all. Four years ago it was almost imxwssible for a busi ness man to borrow a dollar from any bank in the city of Lincoln , while to day we are loaning as low as five per cent. t A very large percentage of mortgages have been paid , or at least a portion refunded at a much lower rate of interest. " North Dakota. Union national bank , Grand Forks. N. D. : "Bank deposits in our community , as com pared with four j-ears ago , have shown from 25 to 30 per cent , increase , in cluding both savings and commercial accounts. This county is 25 per cent , ahead what it was four years ago in general prosperity. " First national bank , Fargo , N. D. : "The bank deposits in our community show a good increase over four j-ears ago , running from 20 to 30 per cent. A good many mortgages have been paid up since 1S96 , some mortgages which could not in 1S96 be renewed at ten per cent , can now be renewed at six and a half to seven per cent. The cheapening of monej- has helped out our citj' and state wonderfully. " Ohio. 'Charles A. Hinsch , president Fifth national bank , Cincinnati , O. : "Deposits and clearings in this city have increased in the neighbor hood of 33 per cent , as compared with conditions as thej- existed four years ago. The deposits of this bank have increased 300 per cent. Most of our local debtors are in very much better condition now than ihcy have been for many years. The increased bal ances of country banks indicate the payment of farm mortgages , due to the improved condition of the farmer. " South Dakota. C. L. Oleson , cashier Security bank of Dakota , Howard , S. D. : "I take much pleasure in in forming yon that the deposits of our bank as compared with four years ago are now just 100 per cent , larger. Ten farm mortgages are now paid off to everj * one that goes on record , while then ( four j-ears ago ) none were paid off , and great quantities went on record. " William Selbie. cashier American national bank , Deadwood , S. D. : "This community is not a criterion of general prosperity , for gold mining is our main industry , and some of our heaviest savers among the labor ing classes have taken their savings , often considerable in amount , in go ing to AlasKa. In the agricultural district around us , however , the change has been very marked. A great many debts have been paid off , and the bank deposits have been doubled. " A POLITICAL PLATFORM. " x 4 you s' " * the pops all frown W. < en they heard that Cholly Towne Had been quietly turned down ? Yes. Did you see them faces make- When they said : "We'll have to take One more pull for Bryan's sake ? " Of course. Did you hear the silver bell Peal forth joyfully and well- That Towne didn't get a smell ? Sure. Did you see Dick Croker smile , Stretch hi : , mouth half a mile. When the Towne men lost their pile ? You know it. Did you see him smack his chops When the ice trust knocked the props From beneath the western pops ? You bet. Did you think this two-faced crew Can deceive the crowds anew , As they did in Ninety-two ? Nit. Plenty of AVorU for Labor. The state labor bureau of New York has made a report from 66 of the leading1 industries of the state. The report shows that wage earners have had a marvelous advance in pros perity. The men employed was as iofc- lows : Number. Total Wajres. June 1,1894 ( free trade.15,112 53,246,143 June 30,1S89 ( protection.25,81 12.S31.65l Exports Stcadlljr Increase. For the eight months ended Augu&4 31 , 1900 , the total exDorls from Ihe United States amounted an increase of $49,500,501 for ifca eight months of 189'a. 4 * 1S99. 7,685,414 , "U Sort ' Looks If I'd " , , o' as Have to Expand. M'KINLEY , WE'LL VOTE FOR YOU. Air : Red , White and Blue. McKinley , the pride of the nation ! Our leader undaunted and true ; The hero of our veneration. Allegiance we gladly renew ! By virtue of ties never sundered , By love for the red , white and blue , By the guns that for freedom have thun dered , McKinley , we'll all vote for you ! CHORUS. McKinley , we'll all vote for you ! McKinley , we'll all vote for you ! McKinley , we'll all vote for you ! By the guns that for freedom have frun- dered , McKinley , we'll all vote for you ! Your voice for our welfare has sounded , The trials of state you have borne ; Your glorious deeds have redounded And hallowed the path you adorn ! For honesty , justice and reason And all that impresses the view , For triumph o'er error and treason , McKinley , we'll all vote for you ! CHORUS. With Roosevelt valiantly aiding , Inspiring your fearless command , With colors of glory unfading A soldier devoted you stand ; So firmly for righteous expansion. For honor and loyalty , too , For manhood in liberty's mansion , McKinley , we'll all vote for you ! CHORUS. C. P. R. LABOR AND CAPITAL. An Instance In AVIiIcIi They CoOperated erated to Mutual Ad- ' vantage. There are millionaires and million aires. There is the case of Mr. Matthew C. D. Borden , a millionaire mill own er , of Fall River , Mass. , widely known among his friends and in that town as "Matt , " equally well regarded by the millionaires of the "dry goods dis trict" of New York. It was a ques tion in Fall River whether , on ac count of the slack demand for cer tain kinds of prints , certain of the mills should not close down. Mr. Borden thought not. It was he , by the way , who had a year or more ago taken the lead in raising the pay of his employes some ten per cent. , thus causing1 all the other mill owners of Fall River to follow suit. This time he said that production oughj not to stop , that the mills ought to be kept going , that the men ought to be con tinued to be paid if there was any way to do it. He saw a way. Per haps he figured that there was no great element of risk in the transac tion ; yet if there was any , he took it freely. He ordered some $600,000 worth of cotton goods , so that there is no reason why there should be in Fall River any disquieting labor situa tion for a long time to come. We believe that there is a deep lesson in this thoroughly patriotic action on Mr. Borden's part for all large em ployers. The matter of employing somebody , and equally the matter of working for another , is just as much a process of giving and taking as the simplest or the most complex of busi ness transaction of any kind. No one can do all the work ; no one : an make all the money. No employer san make more than a certain percent age of the monejor , if he tries to dose so , other capitalists , equally solid finan cially and equally brainy , will step in and cut his profits down. The employe can by no process obtain more than he aught to have , more than the business man will stand , for the employer will simplj * shut down rather than continue long to run at a loss. In a word , the capitalist cannot have anything better than a fair thing. He is a fool to ex pect it. and the laborer , on the other hand , cannot get more than the busi ness will stand , though he ought in every case to have what he deserves. It is easy to argue from this point , ind we believe that nobody will deny that the better employers and em ployes understand one another , not merely getting better acquainted per sonally , but understanding what a self- respecting , ambitions employe wants , and expects , and deserves , and appre- siating , on the other hand , that the capitalist must turn his money over , must make something , deserves some thing , deserves especially well on ac- : ount of the risk and worry he is un- fler when all this is understood , we' ' should be on the verge at least of the millennial period , when there would DftTcr l > e a strike or a lockout , because Llerewould never be cause for one. Mill Operatives. tie acraihern states to-day there tire afcovh 12 000 operatives in mills. itfat TofflHfcf fc s comparatively new EM fcS"i B Jfca * re < /protection. . UNCLE CONSIDER'S ADVICE. Silver That Xob djAVnnts Piled Up In the Treasury \rimlt AVliIIe Gold In in Use. Before writing a word on the sil ver question I went to my Uncle Con sider for good advice. "Uncle , " I said , "do we really need free silver free coinage ? " "Need it need free coinage ! " ex claimed the old man. "Why , we've got it. This" government has a right to coin all the silver it wants to , hasn't it ? " "Yes , but suppose we need more ? " I suggested. "Need m-o-r-e , " he repeated , slowly , "why , how much silver have we coined ? " "Well , I see by the mint reports that we've coined $625,300,000 worth. " "And how much gold ? " "Six hundred and twenty-six million six hundred thousand dollars' worth , " I said. "And where is that silver now ? " "Well , I said , "I see by the last mint report that $56,443,000 is in circulation. The people have it , but $508,000,000 is lying idle in the treasury. " "Five hundred million silver dollars piled up in the treasurj- , you say ? " "Those are the figures , uncle. " "And how much gold is there in the treasurj- ? " "About $ SOQCO,000 , and most of this we have just rented from the English at four per cent. , and we've got to pay it back. " "What , no real gold at all ? " said Uncle Consider , thoughtfully. "Hiring gold from the English , you say , just to keep up appearances ? " and ray uncle got up and walked the floor. After a few minutes he stood up , wrung his hands and said , slowty : "I've been a bimetallist all my life , Eli , and it seems as if everybody else has been that way , too , for we've coined $625.000,000 worth of silver that nobody wants. The people won't take but $36.000,1000 of it , while they take $500,000,000 of gold. We can't sell it to England for gold. It's only worth 50 cents to the dollar , anyAvay ; and just to think , with all this silver rusting in the treasury , a lot of miners and popu lists are yelling for more silver , and they want the government to pay a double price for it , too. No , Eli. I'm a bimetallist , but I know when I've had enough. It is my deliberative opinion that we'd better go a little slow on silver for awhile and let gold catch up. If the people want silver very badly , let them go to Mr. Carlisle and get some out of that $500.000,000 pile in the treasury. The old highway man used to blow a man's brains out and get his monej" . but these free coin ers , Eli , seem to want to blow our brains and get our brains. " Then Tincle laid down his Bible and went on reading Mr. Preston's mint re port. INCREASED SAVINGS. McKinley Prosperity Svrells the Sav ings llnnk Deposits of the People. Mr. Bryan continues to argue that the people want something more than the full dinner pail. The } ' are getting it. They wear more clothes , use more cotton , use more wool , buy more fur niture afed have and save more money than they did under the Cleveland democratic control of national affairs. How much , better they have fared under the administration of President McKinlej- shown by the following comparative statement of deposits in the savings banks : No. of Depositors. Deposits. 1S99 4,254,510 S1,7S2,974,4S1 1S94 3,413,477 1,265.450,116 Inc. under McKinley. 541,033 $517,524,065 That is to say , general prosperit } ' has increased , the number of savings banks has increased by nearly SOO.OOO , the deposits by over $300,000.000. JTevr Tru st Friends for Bryan. In connection with the fact that Mr. Croker , of ice trust fame , and Senator Jones , of the Round Cotton Bale trust , are supporting Mr. Bryan , it is interest ing to add that Mr. Bryan's recent meeting at Parkersburg , W. Ya. , was presided over by ex-United States Sen ator Camden , an old-time democrat , who , besides being one of the richest men in West Virginia , is a large stock holder of the Standard Oil company. It is not supposed that the intimate connection of Senator Camden with the Standard Oil company was even so much as mentioned by one of the Bryan papers. S1LVEK AiND COTTON. Bryan's Theory as to Parity and Price Is Disproved. Otvlncr to Good Time * of ( he Pint Four YcnrM the I'eoplitf - Ui - Inf More Cotton Thau Ever Ilcforc. Everything seems to go wrong for the silver theorists. Their claim thai wheat- and silver kept pace , was long ago exploded by the fact that while sil ver has continued to fall since 1SOG wheat and practically everything else produced by the farmer has continued to rise. Their lust attempt , however in the effort to sustain this argument was cotton , which continued to fall in price until 1S99. They studiously avoided the fact that the cotton production of the United States , the world's chief cotton pro ducer , has enormously increased , and that- this fact accounted largeJy for the decreased price , but kept hammering away with their assertion that the si multaneous fall in the price of cotton and silver was proof of the accuracy ol their general claim that the price of silver governs the price of farm prod ucts. But- now the last prop is knocked from under this theory by the fact that cotton is selling in the New- York market for double the price of 1898 and 1899 , while silver continues its downward course. The price of an- ounce of silver in March , 1896 , just prior to the nomina tion of Mr. Bryan , was a little over 70 cents and the price of a pound of cot ton was 714 cents ; or , in other words , in 1896 it required ten pounds of cotton to buy an ounce of silver ; to-day an ounce of silver is worth C2 cents and a pound of cotton over ten cents , so that it now only requires six pounds of cotton tomy an ounce of silver in stead of ten pounds , a-s was the case in 1896. The fact is that the price of cotton , like that of everj'thing else , is gov erned by the ability of people to buy and the relation , of production to the world's demand. Under the prosperity and manufacturing : activity which pre vailed in the United States in 1892 the home market took a much larger share of our enormous cotton crop than it was able to take nnder the business depression and inactivity of manufac turers which existed in 1S94. The official reports of the bureau of statistics show that the consumption of cotton in the United States , which amounted to more than 1.571,000,000 pounds in 1S92 , fell to 1,086,000,000 in 1894 , a reduction of nearly one-third , while in 1S99 the consumption of cotton in the United States amounted to 2,006- 000,000 pounds , having ncarl- doubled as compared with 1894 , and increased over 30 per cent , over the corresponding period of 1892. The per capita consumption of cot ton in the United States amounted to over 24 pounds for each individual in 1892 , but it fell to less than 16 pounds in 1894 , and increased to more than 27 pounds in 1899. Nearly 35 per cent , of the entire cotton crop was consumed at home in 1S92 , and in 1S94 less than 29 per cent , was con sumed at home , while the figures for 1899 show a return to the conditions of 1S92 , the proportion of the cot ton crop retained for home consump tion in 1899 being again nearly 25 per cent. The relative importance of .the home market of this single item of cotton illustrates the value to the farmer of a prosperous market at home for any and all of his produc tions. The figures of the bureau of statistics and of the department of agriculture show similar conditions regarding the home consumption of farm productions in prosperous j'ears as compared with years of terrible depression under democracy and a low tariff , in which people were com pelled to reduce their expenditures lor food and clothing to the very lowest possible figure , and the re sult is that the home market under the prosperity of 1900 is worth hun dreds of millions of dollars more to the cotton planter than it was under the depression which is sure to re turn to the country in case Mr. Bryan and his followers are permitted to force upon tne country their policy of free silver and a low tariff. The following table shows the home consumption and exportation of cot ton in the years 1892 , 1S94 and 1899 : Home Consumption. Exportation. Pounds. Per. Pounds P.C.re- consumed. capita , exnorted. tained. 1S92..1,571,35,173J4.03 2,935,219.811 24.87 1S94 . . .l.OSG.093,15 : } 15.91 2,653,282,325 28.80 1899 . . .2,006S .795 27.14 2,787,919,122 34.03 Democracy's Trust Record. At this tme , when Mr. Bryan is talking about the "trusts" as if he were the only person in the country who is against them , it will , perhaps , be well to bear in mind that the dem ocratic party when in power did not place any anti-trust laws on the na tional statute books. In the closing days of the last session it furnished the majority against an anti-trust bill introduced by the republicans in the house. When the Wilson bill was passed seven years ago by the demo crats contained some features that were put in so obviously for the bene fit of the sugar and other trusts that President Cleveland refused to sign the measure and it became a law without his signature. He did not have the hardihood to veto it. "Wool Growers Are Prosperous. Wool growing- has received an un exampled impetus under the protec tive tariff of the Dingley law. In 1895 there were 38,298,733 sheep in the United States , valued at $65,167,735. There are now 63,121SS1 sheep , worth $246,175,335. The flocks have almost doubled and their value is four times as great as under the paralyzing1 free EoTiprlnle of thft Wilson law. THERE IS NO RETREAT. An Incident of 1'rcnldritt MclClnIcjr'0 Ijlfe IIM it Soldier Shown HI * Character. "There is no such word as retreat , boys. Charge ! " "There is no such word as retreat. , Kinley nearly -10 3 ears ago. They pic ture the character of the president of to-day as of the soldier of 1852. Thomas O'Callahan. with one eye blinded and one ear closed to sound forever by a bullet wound , received un der the national colors at Gettysburg , is now a resident of Fort Collins. lie served through the war with distin guished bravery. "I served under President .McKinley in 1SGU and have met him frequently since. Kvery meeting brings back to me one of the most patriotic e.xpres- tions that ever passed the lips of u soldier. A party of 40 mun under the then Mi\j. McKinley wcn.t . on scouting duty. They were perilous times then. "All uent well until we reached the top of a hill and unexpectedly ran into a body of 'Johnnie. . ' numbering be tween 300 and -UK ) . They were in am bush , drawn up in firing line and await ing our approach. Our first knowl edge of their presence in the ambush was a volley , which brought down our three fronit fours of horses and men. "Hetreat ! " our captain shouted. "There is no such word as retreat , bo\'s. Charge ! " eame a second order , this time from Maj. McKinley. who , drawing his sword , dashed ahead , fol lowed by every one of the men except those who had given their lives to the pause. The enemj- were completely astounded , and. at our charge , re treated in confusion. Before we started on this scouting1 expedition , we were ordered to take three days' provisions. 1 had a sack of pounded oats on the pommel of my saddle. After the rout of the enemy , I turned the oats out to feed my horse , and found 15 bullets in the sack. My horse was wounded , as was Maj. Me- Kinley's , and his sword hilt was cut to pieces by bullets. Maj. McKinley laughingly called attention to it , and at the same time complimenting his men on. their bravery , remarked : "You have done me a great favor , boys , and * if it ever lies in my power , I'll reciprocate. " POLITICAL TRICKSTERS. It SCCIIIH Tln-y Are the Kind of I eo- I > lc Thai Ilrynn Prefers ( n Side AVIth. In recent struggles within local sections of the democratic party be tween the "better element" and the disreputable element , Bryan has chosen every time to side with the disreputable element. ' Bryan personally took the stump for Goebel in Kentucky , despite the advice and warnings of the best democrats of the state , who had put up Brown for governor , as a protest against the crimes against free gov ernment and political decency that Goebelism notoriously meant. Bryan has given oilicial recognition to the booole Clark wing of the de mocracy : i Montana. An "entang ling alliance" with the man who cor rupted the Mantana legislature and some state judges in order to get a seat in the senate , does not seem to worry his conscience one whit , so long as tLe alliance means $200,000 contribution to his own campaign fund. In New York the official recogni tion given by Ban to Croker , as against Hill , was the chief means wherebj * that notorious Tammany Hall boss , who lives in England on New York political plunder , defeated Coler for the nomination for gov ernor though Coler was the man whom the best democrats of New- York wanted nominated. Croker op posed Coler because he opposed Tam many's attempts to secure plunder and pelf from taxpayers. This vic tory for Croker , won by brutal im perialism , aided b } ' the recognition from Bryan , the New York Even ing Post ( Ind. ) has described as the "victory of cash over principles , of matter over mind. " The decent democratic press of New York has since been bitterly complaining of the fact that Brj-an is the first dem ocratic presidential candidate who has ever so personally humiliated himself as to give recognition to Croker. WE'VE HAD ENOUGH OF YOU. Oh , Billy Bryan ! We've had enough of you. You said four years ago what wasn't true. Every voter knows , in the country near and far , Your prognostications from the tail end of a car. So keep up your spouting , and say all you can , But remember it's not Bryan , but McKIn- ley's our man ; For what McKinley said has all come true. The country it is prosperous and we don't want you. you.GEORGE LAMBERT. "Poet Laureate" of the Illinois Industrial Republican League. JJenefaetloiis Prove Prosperity When times are good and people are 3usy they can afford to give freely : o churches , to education and to char ity. Last year's benefactions exceed all previous records. They amounted io $79,749,930 , as compared with $33- 670,129 in 1S9G , $20,943,549 in 1895 and $19,567,116 in 1S94. Of the total amount in 1S99 there was given to educational institutions the sum of $55,831,817 , to charities $13,206,676 , to churches $2,992,393 , to museums and art galleries $2,636,500 , and to li braries $5,012,400. Company Building- nn End. During the month of August new companies were organized in New Jer sey with aggregate capital stocks of $23,000,000. This is the lowest for any month for years , and indicates plain.y hat the era of consolidation of manu < 'acturing interests is practically at at and.