10 TITE OMAHA DAILY BEE ; SUNDAY. MARCH I , 180-TWENTY { PAGES.
AMONG THE INSURANCE MEN
Progress of Tire Underwriting as Viewed
Through a Veteran's ' Glasses.
CAPTAIN PALMER GIVES A FEW POINTERS
Indemnity Contract" nnil KWn-IIvll Itosult
of Competition During tlin 1'imt Twrnlj-
rive Vf'itrit liti-nt * < > f tli Week
In liisurmivu Circles.
Captain I'nlmcr of llils clly WZB Inter
viewed yesterday upon tha subject of flro
underwriting1 , and cxprusied 1'j.utU ox-
IiaiiftUvoly , as follows :
"To Insure against \UM \ by flro inr.ina the
making of n contract by n p.trty , company
or corporation Hint mis , IIut , thy legal
right to make such contrpo' , n'i.1 ' , second ,
but not least , the cash to mitl.o t'ud " the
Indemnity promised. 'Co ntich contract
would bo valid without a consideration ,
and no party seeking ouch prolt-ctlon wculd
consider Inxuranco good U no prcmilum was
demanded or paid , as thuro Is a hazard In
sured ngalHt , n posHl'jIllty ' cf loss. It
stands to reason that tlnro must In n ccst
prlco for u Inurancu policy I menu , of
course , n contract that g.vos what Is bar
gained for In case of Inss. To fm.l Ilia cost
prlco Is the essence of underwriting. Per
fect and correct underwriting comes when
the underwriter learns to charge a fair payIng -
Ing rate for every risk Insured und learns
to draw up the contract or ; v > Ilcy properly ;
to fix the proper coat for the Indemnity
promise Is the first duty of thu underwriter.
To sell goods at n profit the successful mer
chant fixes the prlco by the pound , yard or
gallon , finding the cost prlco and fixing the
selling prlco after adding cost , expense , etc.
The underwriter must fix hlx prlco on the
same bash. Cost Is shown by cxpcrlcnco
tables , covering In flro underwriting more
than ICO different classifications of risks.
Flro losses and receipts for a given num
ber of years show remarkable averages ,
proportionate with the growth and wealth
of the country as wonderful as birth and
dc.ith averages , which can bo figured as
correctly for the future as can bo the next
eclipse of the sun. Competition In flro un
derwriting ( luring the past quarter of n
century lias wrecked cxpcrlenco tables ,
caused companies to disregard cost figures ,
and as n result has brought the business
of Insurance on the verge of ruin ,
and In dlsrcputs with their pat
rons and the public In general ,
A dcsparato struggle. Is being made by the
better companies left to return to good prac
tices In flro underwriting. Ono move Is the
80 per cent clause the first step toward ( l
better and safer clause for the companion
and the country In general , three-fourths
clause , no more , no less. Take no risk
lioyond threo-fourths the actual cash value
of the property at the time of the flro , and
wrlto no risk for less than three-fourths
of Its value , basing the premium upon the
value of the properly Insured and on the
hazard of the particular classification to
which the risk belongs , relying upon ex
perience tables for the cost prlco of the
hazard , giving credit for superior con
struction , location , Ilro protection , and , 1
would go farther , oven to the financial
standing of the owner , general reputation ,
character , prosperity of the business , the
town , the country.
"For obvious reasons the /last Items ,
which enter very materially in the hazard ,
must bo secretly charged for for the first
Items every Insurer should bo permitted to
see the figures. No good business man
would insure In a company that he knew
was charging too llttlo for Its Indemnity
contracts. Insurance Is not a question of
friendship. The business of the country de
mands that the many shall contribute to
the losses of the few as good government
demands taxes and loyal support , oven to
rallying the people to arms , otherwise the
fabric must fall. If the Idea of Insurance
is good , It must bo kept good In the full
scnso of the word ; If it Is bad , It Is wholly
wrong and should bo done nway with. As
a business It" has kept pace with the com-
morcfal progress oE the world for 2,700
years' , growing stronger every year , until
now It represents absolutely the business
life of the commercial world. Without Its
protecting Influence the combination that
lessons the hazard of loss there would bo
sere disaster In every flro loss , In every
death. If rates are too high the business
Interests ot the world will reduce the
same by healthy competition , by reducing
the hazard Insured against , by stopping , by
the aid of wholesome laws , n. flro waste that
Is fast bankrupting the whole country. The
SO per cent clause bsforo mentioned Is a
Echomo to fix the cost prlco of insurance.
A 1 per cent rate on 50 per cent of the
hazard Is much less profitable than a 1 per
cent rate on 80 per cent of the hazard , as
(500 ( Is to $800.
"Tho cost of doing the business for the
$500 premium Is more , too , because with
only GO per cent insurance 'therela a.
greater chance of total loss. A loss with 80
per cent Insurance gives the underwriter n
chance for salvage on which a premium
has been paid. Twenty per cent is a safe
margin against moral hazard. An Insurer
carrying 80 per cent Insurance Is entitled to
n better rate than ono carrying only CO per
cent Insurance , tliusj 'Tls true that an In
telligent and equitable rate cannot be
charged unless the amount of Indemnity
contracted for is known. Every risk should
stand on its own bottom , as the Idea is com
monly expressed , start with a basis rate ,
charging for every deficiency In construc
tion for exposure , occupancy and BO forth.
This business of Insurance must bo econo
mically and honestly conducted by honest ,
Intelligent agents and managers. To that
end the business public should bo protected
by good la\\s , for the most stringent super
vision ot companies , as their ability to meet
their obligations to fulfill to the letter their
contract. Doth Insurer and the Insured
should bo compelled by the courts to stand
true to the contract made. Moro light
should bo given to the business ot insur
ance than to any other business , far It is
n business In which the entire public Is
Interested. The commissions and salaries
paid to agents and ofllcors , the actual cost
of doing business are Items ot Interest to
the general public , nearly as much BO as
the reserve for reinsurance , not surplus ,
etc. "
( iolllR to tlttiVull. .
The Columbian Flro Insurance Company
ot Louisville made an assignment last week.
This comp.tny had about $5,000 in premiums
in Omaha , Ilrcnnan , Love & Co. and Bar
nard and Giles handled the local business ot
this company.
The Anchor of London has gene out of
business ,
The Burlington of Ilurllngton , la. , has
assigned. The company did a largo busi
ness In Kansas , about $70,000 in premiums
being received annually. Most of this was
term business , upon which a reinsurance ro-
Korvo of DO per cent ot the premium tor the
first year Is charged.
So far as known there has been no statement -
mont of the Burlington's condition mada
public slnca December 31 , 1S92. a careful
perusal of which develops many interesting
features. This Btatoment was as follows !
Capital stock paid up , $200.000 ; total assets ,
$393,167 ; reinsurance reserve , t130,232 ; gross
liabilities , $173,347 ; premium receipts , $218'-
997 ; total r c.Ipts , $131 SGO ; loss s rail , $154 , .
CIS ; total expenses , $280,171. In the Item for
reinsurancercsorvo rather a "Juggling" pro
cess appears , whereby it Is loJuccd from
$240,902 to $13C,232 by the reinsurance of
$230,853 In premiums during the year 1892.
Thin reinsurance , wlillo a considerable deal ,
had never before been noticed und was not
made public at the time It was consummated.
The statement , however , \\na accepted and
no questions were asked.
Kvon Itxssaohusetts is In the wave at de
pression. Depreciation In thu value of real
estate and heavy marine loasoa liuvo decided
the stockholders of thaVellllect Marino In-
auranco company to wind up the affairs ot
the company. It has been In existence- the
past twonty-tlvo years , The assets will prob-
tbly bo sufficient to pay nearly 100 per cent
to stockholder * .
Attorney ( Irnunil lliuitliiiX Dunlilon.
Flro underwriters In Nebraska uro nomo-
wlmt jubilant over the action taken by At
torney General Hustings with relation to
the Lloyd'H companies in this state.
Kor Homo months vehement protests Imvo
beccn pouring Into the otllco ot the Insurance
department ot the auditor's olllcu , all di
rected again * ! the Insurance company known
AH "Lloyds. " tt scorns that thin company
In a foreign company that ml op Is unusual
method * in transacting Us business. It hits
no agents , or , If It has , the fact li studiously
conceited from the knowledge of the Insur
ance department and from the general pub
lic. It docs most ot Iti business by mall and
seems to have headquarters In New York ,
Philadelphia and other eastern cities. It has
been writing a great many rinks In the
larger cities ot Nebranka , dolnt ? an especially
large bnnlnesi In Omaha. Other companies
that are required to live up to the Nebraska
law complain tha.t ' 'Lloyds" Is permitted to
run without any Interference upon the part
of the state atithorltlccs. Finally , on Janu
ary 13 , Auditor Moore refcr.'od the whole
matter to the attorney general. After n
careful Investigation , Attorney General Has
tings has addressed n reply to the Inquiry of
Auditor Moorp , sctUng forth the pwlslons
of the Nebraska statutes In the premises ,
and saying that unless "Uoyds" lived up to
all the requirements , its promoters wcro
liable to criminal prosecution.
limiriini'o Menu.
The salvage corps Idea has drifted Into a
trance.
Thcro Is much trouble nt Albany , N. Y. ,
on account of the deficient water supply.
The Now York Llfo will hereafter print
In red Ink on the margin of Its applications
n notice concerning the law against rebat
ing.
out saying , but the utility of such n system
as a private enterprise has yet to bo deter
mined.
"Tho Unwisdom of Anonymous and MIs-
leadlug Literature" Is thn topic for discus
sion by life underwriters associations this
month.
Natural premium companies have distrib
uted In the past twenty years half a billion
dollars , to widows and orphans. They pay
at the rate of $1,000,000 weekly.
The bill exempting railway ticket agents
who soil accident Insurance tickets from
paying the regular Insurance license fco was
defeated In the Georgia legislature.
The Boston Store flro losses have not
been paid as yet , but a basis of settlement
has been reached and It Is said losses will
bo fixed up within the next week.
Advlccd from Fargo , N. D. , state that the
recommendations of the Inspector regarding
the defective electric wiring In the city are
being carried out as fast as possible.
Stool hull vessels have not proved profit
able for marine underwriters , and it Is
asserted that they Intend putting them on
a par with or lower oven than wooden hulls.
Underwriters at Hngorstown , Md. , demand
that the city council provide a fire-alarm
system , shut-off nozzles for hose , a paid
flro department , additional hydrants. In.
crease In the water supply , etc.
The electric light fires in the south have
raused companies to cancel out on many
plants where the Inspector has reported de
fects. The wiring In some North Carolina
towns is so bad that ratcn have been In
creased.
The flro Insurance rumpus nt Louisville
seems to bo growing. About n half dozen
strong companies are out of the board and
are writing at old rates , while board com
panies are trying to hold business on the
new and higher rates.
A bill Is to bo introduced In the Ohio
legislature requiring accident Insurance com
panies to deposit with the Insurance com
missioner bonds or securities to the amount
of $100,000 before receiving a license to
transact business In the stato.
At the February meeting of the Louis
iana Sugar Planters' as&oclatlon It was sug
gested by A. A. Woods of New Orleans that
u ( snutual Insurance company for sugar
houses bo fornipd. The planters arc dis
satisfied with present rates and clauses.
The matter was discussed at considerable
length. '
Recognition of the act o Superintendent
Snider of the Insurance department of Kan
sas has at last been taken by officers of the
Homo Insurance company of New York , and
within a tow days agents In the state will
rccclvo notification to suspend business until
the dispute is settled and the Homo re
stored to Its rights.
The Weekly Underwriter discredits the
story that an organization of flro insurance
managers is being formed to supersede- the
Now England Insurance exchange and
Southeastern Tariff association. "It is not
likely , " says the Underwriter , "that flro un
derwriters will , at this time , abandon any
aids to a successful prosecution of business ,
least of all that they will destroy the two
eastern associations upon which they have
heretofore so fully relied. "
The Insurance commissioners ot Pennsyl
vania says : "Whllo I regard llfo insurance
purely as a business , and not as n charity ,
yet in every thread of its warp and wool
I can ECO the golden tints of the sweetest
and rarest charity in the world. It Is ono
of the ladders reaching from heaven to
earth , adown which comes the answer to
the prayer of the widows and orphans as
they humbly list , 'Give us this day our
dally bread. ' "
The thirty-fifth annual report of the New
York State Insurance department gives of-
flclrtl figures showing how the flro underwrit
ing institutions fared In 1893. The flro pre
miums received were $21,090,373.45 ; flro losses
paid , $15,113,830.72 ; flro losses Incurred , $15-
106,001.53. The estimated amount of expense -
ponso for the transaction of this business Is
now taken by the superintendent to bo
33 1-3 per cent Instead ot 30 per cent , which
latter amount has been the percentage as
sumed In the case of this Item heretofore. It
Is $7,230,1349 , which , It added to the In
curred losses , makes a total of $22,336-
72B.01 ; showing , ns compared with the pre
mium receipts , an apparent net loss of
$040,352.59.
JIOOKS A\J > I'KUIODIC.ILS.
"What Are. Rules Made For ? " Is the prin
cipal theme cjlscussed. in the January Ar
chitects' Hlcctrlcal Bulletin. Published at
Now York city.
The Omaha Druggist for February Is out
on Its us.ua ! pilgrimage. U very appro
priately heads Its nous Items as "pellets. "
Omaha Druggist , Omaha.
"Harold's Valentino Bush" Is a timely
short story for children very appropriate
for February's Our Llttlo Ones and The
Nursery. The Uussoll Publishing Company ,
1913 Summer street , Boston.
A splendid portrait of ISHzabeth Palmer
Peabody with n rovluw of her eventful ca
reer opens the February number of The
Kindergarten Nows. Milton Ilradley Com
pany , Springfield , Mass.
"There's Nothing Too Rich for the Baby"
Is the catching title to * some now music
that has already achieved fame In the old
world. It is composed by II. W. Potries ,
Phelps JluslG Company , 52-54 Lafayctto
place , Now York.
Goldthwalto's Geographical Magazine for
January discusses the prospects ot future
polar expeditions , showing the great ad
vantages they will have over those of the
pasU. The article Is by Robert Stoln ,
United ( States geological survey , and Is
entitled "Tho Proposed exploration of Hlles-
mcro , " Ooldlhualto's Geographical Maga
zine , 27 Hast Twenty-first street , Now
York city.
"Francis Fletcher , Explorer and Priest , "
Is the tltlo of an Interesting article by the
bishop of Iowa appearing In the quarterly
edition of the Sowanoo Review. The sub
ject ot the article accompanied Sir Francis
Drake In his voyages , and Illustrates the
religious-side of the grim buccaneers , "who
prayed and fought with equal zest. The
University Press , Sowaueo , Tenn.
The Anaconda Standard displays its en
terprise by the Issue of an almanac for
ISO4 In which facts and figures relating to
the city of Anaconda and the state of
Montana are collected. It Is a valuable
addition . .to' the statistics ot the west.
Among the facts revealed It shows that the
total mineral product -of Montana from
1SC2 to 1S92 wuc $300,441,311. Anaconda
Standard , Anaconda , Mont.
The Value of Cereals and Vegetables as
food Muffs Is discussed by James Wood ,
M. I ) . , In the February number of The Die-
lello and Hygienic Gazette. The writer ar
gues that "nutrition depends upon digesti
bility. It would ninko no difference how
rich a foodstuff wore In nutrltltlvo elements
If they were In such relation to other ele
ments as precluded their being appropriated
to the use of the system. " The Gazette Pub
lishing Company , 1218 Ilroadwajr , New York.
A very learned disquisition entitled "Fa
bian Economics" Is contributed by W. H.
Mattock In the February number of The
Fortnightly Review. The author shows the
drift nC English socialistic thought and then
replies to Its claims , Herbert Spencer con
tributes to this number n brief outline ot tha
characteristics of his distinguished friend ,
the late Prof. Tyndnll. Leonard Scott Pub
lishing Company , 231 Broadway , New York.
Beds and Bedrooms Is n tlicmo made very
Interesting In the February edition of The
Sanitarian , The couch ot the sleeper and
the Invalid , the Infant and the decrepit
and aged , and their sleeping apartments as
found In all lands anil In past ages , no well
ns many historical records and Incidents
relating to effects upon health are reviewed ,
making n most interesting article , The
Sanitarian , Brooklyn , N , Y.
Extracts from " 96 ; A Romance of Utopia , "
by Frank Rosowalcr , now In liress , con
tains an account ot the platform ot an
Imaginary political" party called the Frco
Labor party , supposed to have spruntr up
In 1S96. In this platform the main Issue
Is between capital and labor , find their re
lations are presented In n novel and striking
manner that , will bo of great Interest to
the labor world. Financiers and econo
mists will also find In It much to ponder
over. The work is being published In
Omaha. '
Richard II. Edmonds In the February Is-
SHO ot The Southern States contributes a
valuable essay on "Tho Increase of Cotton
Production. " The writer says "tho cul
tivation of the cotton plants , the manufac
ture of Its fibre and the distribution of its
product afford employment to a much larger
amount of capital and labor than any other
branch of mechanical industry , and yet so
far as Europe and America nro concerned
this vast agricultural and manufacturing
system has been built up almost within the
limits of the past century. " Manufactur
er's Record Publishing Company , Baltimore ,
Md.
Md.Tho
The second volume of "Orations and Ad
dresses of George William Curtis , " edited
by Charles Eliot Norton , is now out , and
Is almost ontiiely devoted to the problem of
civil service reform , which Is treated in
all Its important phases and viewed In
various aspects. This volume alone makes
a book of over 5W ) pages , and the flood of
words spent In support of the reform must
Impress the student very much llko n
vigorous but unsatisfactory treatment of
symptoms , Indicating clearly that the evil
sought to bo remedied has Its source much
deeper than the surface of experience. Har
per & Brothers , New York. For sale by
Megeath Stationery Company , Omaha.
Under the caption , "Free Trade In the
United States , " Chauncoy II. Dcpcw In
the February Issue of The Nineteenth Cen
tury enlightens the British readers of this
periodical on the politics of our country.
As a brief synopsis of our political move
ments and parties It is a very able presenta
tion , giving to the reader a clear and correct
Idea of Iho causes leading to the present
situation. In UK ; com so of his remarks
ho confides to his readers the statement
made to him by the late Secretary Blalne ,
that while In President Harrison's cabinet
he had 150 vacancies to fill and was obliged
to deal with -1,000 applicants. Leonard Scott
Publication Company , 231 Broadway , New
York.
"Tho Dogs and the Fleas , " by ono of the
dogs , as the author explains Its anonymous
source , Is a satire upon the poor
and the rich and _ jvmy perhaps bo
likened to the barking of a dog who
don't know how to get at his enemy
but who seems to realize there must bo an
enemy where there Is so much bite. The
style of the work Is In no sense Instructive
but rather scunlllous , and Is of a nature
to bring the cause of labor Into contempt
It is easy to get rid ot the fleas by setting
flro to the hair , but the problem Is , do so
without Injury to hide or hair to kill the
fleas without also killing the dog , In other
words to remove evils without creating
greater evils In their place. Douglas Me-
Calhim , Chicago.
"London Money Power , the Great Red
Dragon , " by L. B. Woolfolk , is a conglom
erate combination of fact and fancy epito
mizing the struggle for truth and utterances
of error with which the ago Is laboring.
Following in line with a recognition of in
nate wrongs Involved In the prevailing sys
tem ot commerce , the writer hero and there
strikes a brilliant spark of truth , and then
again soars In flights of Imagination that
sound as If coming from a victim of night
mare. In this strain ho connects the Lon
don money power with prophecies of the
scriptures showing that n flighty Imagina
tion can easily fall Into deducing almost any
sensational wonders. L. B. Woolfolk , 90
Fulton street , Now York.
The Chicago Dally News Almanac and Po
litical Register for ISO4 has made Its appear
ance. Being a standard authority on matters
treated of In the best publications of this
kind , It needs no extended notice. Briefly ,
therefore , it may bo said that In addition to
the usual statistical matter covering elec
tions in every state , \\hlch has been compiled
with great care , the present volume contains
many articles of especial value to the Ameri
can citizen who desires to Keep posted on the
leading political questions or events of the
day. Among them are to bo mentioned those
of the Hawaiian dlfllculty , the Bering sea ar
bitration , the dispute between Franco and
Slanf farms and farm mortgages , modes of
assessing and collecting taxes in each/state
in the union , the national silver convention
in Chicago , the repeal of the purchase clause
of the Sherman act and the International
monetary conference. The Wilson tariff bill ,
as framed by the hoiibo ways and means
committee , Is compared , item by item , with
the McKlnley law. As a handbook of refer
ence this complete und yet compact almanac
Is unexcelled. Prlco 25 cents. The Dally
Nowa , Chicago.
Wo are under obligations to Commissioner
Thomas J. Dowllng for parts I and II each
ot the ninth and tenth annual reports of the
Bureau ot Statistics ot Labor of the State of
Now York covering the years 1891 and 1892.
The causes and effects of , strikes and boy
cotts upon each of the many trades and oc
cupations , particularly their relation to wages
and to the subject of relative wages In vari
ous occupations , may bo studied to great ad
vantage from the numerous tables of sta
tistics and facts presented In these volumes.
The number of persons pngaged In these oc
cupations Is also shown , and what makes the
whole more valuable Is an ela tirato index
through which Its manifold Infprmatlpfi may
bo quickly reached. The subject of the
eight-hour day , child labor , the workday of
minors , meal hours , holidays"Sanitary regu
lations , protection of llfo and Jimppayment
ot wages , prison labor and labor organisa
tion are severally reviewed in summarizing
the results of observation. All Irt all , It Is a
valuable acquisition to the world's knowl
edge relating to the regulation of labor. Bu
reau of Statistics of Labor. Albany- . Y.
Two of the most valuable articles In the
great American and English Encyclopaedia
of Law now assuming such extenslyi pro
portions are contributed to the twenty-third
volume by Mr. Charles S. Loblnglor of
the Omaha bar upon the subjects "Stqck"
and "Stockholders. " Each of these ar
ticles constitutes a concise yet exhaustive
treatment of the most important points of
legal construction that have arisen In the
many caSes In our courts Involving the
rights and liabilities of members of Incor
porated companies. The material Is ad
mirably classified so that- the 'reader may nt
a glance find the topics In which ho Is In
terested and the statements of law are
amply supported by numerous citations of
current reports and authoritative text books.
Mr. Lobluglor'ij contributions evince the
cxpendlturo ot much time In careful re
search and the results fully meet the re
quirements of a. ready and accurate work
ot reference.
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DICTIONARY
work of reference to all the words in the English language , PAEDIC are :
with a full account of their origin , meaning , pronunciation 1. Its thoroughly encyclopaedic character , being not only
and use. The publication of a good and useful book is a a comprehensive Dictionary , but also a very complete En
/ distinct gain to any generation. When the practical and cyclopaedia.
permanent value of such a work as this is thought , when
. Its and its wideness of
2. comprehensiveness range , , \
involved is considered
the amount of research necessarily , '
not only modern words , whether of an ordinary or a technical
then it will be seen that there can scarcely be any limitation
and scientific nature , finding a place in the work , but also all
tion to time or painstaking care necessary to bring it to a
' obsolete words and phrases to be met with in the works of English
successful conclusion' It is impossible that such work as
writers from the to the .
glish i3th century present day.
this'can be done effectively and done in haste. The con
tinuous labor and unremitting care involved in the production 3. The history of each word and the historical and logi
tion of an ordinary dictionary can be fully understood best- cal development of its various meanings arid uses are traced
by those who have entered upon so exacting a task ; but out , showing to the reader by illustrative quotations the history
when , as is the case in this instance , there is added to and development of each word.
the the and more comprehensive character
Dictionary larger
. The richness and completeness of the illustrative
4.
of the Encyclopaedic treatment of the words , then
acter quotations , the value of which is materially increased by the
the labor and res earch are proportionately increased.
fullness and the exactness of the references ,
The have in the AMERICAN ENCYCLOPAEDIC
public now
5. The treatment of the etymological portion of the
DICTIONARY most exhaustive Dictionary of the English
a work in accordance with the results of the latest researches in
. It and has been carried out on
designed a
language. was
Comparative Philology , and the grouping of the various spellings
plan , the effectiveness of which cannot be questioned , the
ings of each word under the principal form.
intention being to trace the history of each word step by
step , thus showing the successive gradations of meanings The exactness and clearness of the pronunciations , the
as they rose out of each other , and each meaning has been system adopted being simple , and at the same time of such a
illustrated as far as possible by quotations from the writ nature as to show clearly and readily the minutest differences
ten and printed language. This necessarily involved a in the phonetic values of the vowels.
amount of extra research and care. '
great 'feat
Also many other valuable and distinctively exclusive
It has been the _ aim of- the publishers to maket his ures entirely too numerous to attempt to give a list of in the
work ab.Q e all things a People's Dictionary , and. with that limited space at our command.
end in'view ' the Greek and Hebrew characters have been
embraces thousands
The Encyclopaedic Dictionary many
and in their will be found
the
entirely eliminated , place "
words and subjects than any previous dictionary of the"
Greek , ( aq'd Hebrew words prefaced by "Gr. " or "Heb. , " as more
English language. It gives over 50,000 important cyclopaedic
the be to signify their root , and the words themselves
case1 may ,
' subjects not given in any of the standaicl cyclopaedias , It is
selves h' $ e been set in English equivalents , so that anyone the embodiment of many dictionaries in one , embracing Botany
one may"fead them. This , no doubt , will be appreciated Law
' , Chemistry , Mineralogy , Zoology , Anatomy , and
any
by thos'euwho do not read Greek and Hebrew , and certainly
classical and biblical
Medicine. It is also complete as a dictionary
tainly tib 'objection ' can be offered by those who do , as of the .
tionary , and is a perlect glossary English language.
they willnbe at no loss to comprehend the change.
bb 111
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