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Are Prepared
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O BEEF, MUTTON slum! PORK
Sausage and Luncheon
IBaicom annual ILaiFd
Visitors CoFdlially Irvvifledl
SOUTH OIVIAMA, NEB,
DODGING THE TAX ON FINERY
How Women Tourists Evade Duty on
Foreign Goods.
MANY BOAST OP THEIR TRICKS
Some Clever IminUaf Plana that
railed ana Coat Madam. Hmok
Anxiety and Soma Cold
Caah.
Does anyone think smuggling a alnT
Very few, probably. On the contrary. It
la rather regarded aa a virtue. "Among
those wealthy women who sail yearly (or
the aunny-ahorea of Franco and the 'bar
gain' shops of Paris, the majority," aaya
a well-known New York aoclal leader, "tall
to pay duty on all their purchase. As to
conscience in the matter, there la none,
even among the beat of women. ' They
have linked 'duty,' aa outlined by the cus
toms law, with politics, and they never
can understand why politicians should
make them pay all over again for Jewels
or frocks that they, good Americans, al-
. ready own, and have paid for with good
American money.
"do to any tea where a number of women
recently returned from abroad are gath
ered together," says tills authority, "and
' you will be vastly enlightened aa to the
methods by which these fair smugglers
have brought In things that TJnole Bam
should have bad revenue from. One will
confide bow aha removes the label from
each frock and deliberately walks a bit
without holding up the trailing hem, ad
ding, 'My Jewel of a Marie can get out
all those little amudgea In ten minutes.'
Another will eonfeaa how ahe deliberately
spilled soma coffee on lace ruff lea and
made a stain or two of harmless egg on
torn love of a matinee, saying: The 12
I hand out for the cleaner Is a Joke, for
otherwise I would have had to pay out 'at
least $fi.' All these aud other remarks
pass freely between women whoaa positions
are most envied and whose Uvea save for
thla erase for cheating the government at
every opportunity, are most honorable.
. Hew Artlclea Ara Concealed.
'To watoh the trunks of some rich
woman being unpacked la a revelation aa
to how duitabla artlclea can be conceuled,
for even between the thickly-folded tissue
papers that ara between the pleats of the
frocks, or la the maases of paper that are
crushed and put In the sleeves, bits of lace,
soma single flower motif or point or some
mum fumy, weightless thing will be con
ceal ad.
"For soma reason or other the customs
officials do not seam as keen In their
searching or as frequent In their discover
ies of laoas and embroideries as In their
Jewel leisures. Everyone Is familiar wltli
the holding up of pearl necklace that
alias Dallas of Philadelphia attempted to
bring through, and with W. B. Leeds'
pearl necklace, which la not a settled case
even yet. In t?i latter case, however, the
necklace was bought with the understand
ing that the duty was Included In the price,
and after the tint seizure and return a
second attempt waa made to bring the
pearls through unstrung. This prooedure
was declared fraudulent by the officials,
aa they were brought In originally as a
made ornament.- Mr. Leeds, of course, la
exonerated by the terms of purchase from
any ahara In this amuggUng case, but
whether he eventually becomes possessed
of the Jewels la ate open question.
I Daaaresr In the Tags.
Tt baa feeen 00)7. a few weeks sine a
passenger waa 'detained,' and after a brief
examination had to pay a good, round aum
In duty for the very gown on her back,
which waa obviously new and waa hall
marked with the label of a French house
whence ooma the most ooatly dresses to be
had. She did not follow the example of
the wary who stand a chance of running
through m new frock without deteotlon by
removing the label and either bringing the
dreas In untagged or tagged with the name
of a New York maker. But if the fair
smuggler uses the latest subterfuge, ahe
takes the precaution to have the gown
packed ao that It will appear ellghtly
rumpled on Its arrival.
"Rings, pina and watches ara most easily
brought 1n, and especially nowadaya, when
women wear a number of rings from morn
ing till night and also adjust many parts
of their gowns with pina of value. A
watch la different, but a thing easily
amuggled, for the toe of a boot, tha lining
of a hat or tha back draperies of a skirt
make nesting places where one may be
secured. Neckiaoes and flexible chain
bracelets ara generally dropped into a
pocket of the coat to be worn when going
off the ateamer, and unless they are Jewels
of great value, tha mere purchase of which
has raised comment abroad in the market
for precious stones and In the newspa
pers, nine tlmee out of ten they come
through without ausplclon if tha deceitful
one la calm In her bearing. The majority,
however, by some trick of eye or twitch
of hand betray themselves from nervous
ness. Hollow boot-trees ara used by some
dames of high degree, and most successful
have they been. Many a pearl necklace
haa arrived unstrung In a medicine case,
one-half of the pearls tinted pink and the
other black, with harmless coloring mat
ter in their coatings of wax. Still others
have been worn as coral, thanka to a skill-'
ful manipulation of the same coating, and
have come through aafely.
Jewels la Headdresses.
"In tha days of crinoline bustles were
made the burying place for all valuablea
to be trought through unseen, and now
the pompadour serves a like purpose. An
elaborate head dress can snd has accom
modated many unset gems successfully, al
though the records ahow many accounts
of amualDg discoveries In the coiffure of
rings and pins that hairpins had made se
cure beneath a puff or braid which to tha
uninitiated eye looked perfectly innocent
"Mere man Js made tha unwilling though
gallant medium by which many smuggled
goods strictly for feminine adornment are
brought ashore, and many are selected for
this purpose the moment they ara sighted
at the first gathering in the dicing saloon
of the steamer. It Is an easy matter for
a fashionable woman to meet any man
she choosea to approve of for any purpose,
and by the time the trip la nearly over he
will feel that the very least he can do
Is to Hake son as small extra package
ashore for her, ao flattered Is ha by her
patronage. He haa hopes, too, of gaining
the entree to the exclusive set to which
she belongs should ha ever visit the city
in which she lives, for It Is not tha native
born and bred New Yorker who allows
himself to be used In thla way unless he
Is a friend of many years' standing. After
Jewels, lace Is most dear to woman's heart,
and this aha easily brings In in extra pet
ticoat frilla and under ruftlea or in little
aoft rolls that tuck away Into various
comers. Also aha frequently declares a
few yards. Just a very few. And with
glovea it la the same.
Commissions! for Laces.
"Many a woman, too, who has Irish maid
servants that go home for a vacation, will
commission one to bring out soma Irish
crochet lace, for It sells for a song, as the
saying goes over (here, and .Maggie or
Katie Is only too glad of the opportunity
to do her friends on the Emerald Isle a
good turn and please her mistress also.
But little examination Is made of tha steer
age or second-cabin trunks of respectablo
servants, so the lace yokes and Inserting
and edges come through unheeded, and
Katie's welcome home Is accordingly cor
dial. "The dressmakers also have commissions
from their wealthy patronesses that they
accomplish at tlmea successfully, getting
the thing In free of duty, and at other
times they ara made to pay, In which cases
the patroness stands for her share with
out a murmur, In fear that the news may
spread in her set and she be twitted with
out mercy at her failure. The dressmakers
themselves have to declare the goods that
they bring over along with their model
gowns each spring and autumn, and, of
course, they reimburse themselves twofold
In the prices charged for their wares.
Borne who try to run the gauntlet and are
caught, and have not the money to pay the
duties, have to see their lovely things sold
at auction.
"Of course there is a systematic business
of smuggling that is always under espion
age, and travelers In both cabins and the
steerage are closely watched, every article
In their possession being gone over. Large
hauls of dutiable goods are made. One of
tha latest finds waa made up of silks, laces,
embroidered articles and Jewelry sewed up
in mattresses that a party of Neapolitans
were bringing out, claiming they were going
to organise a boarding house out west.
Another famous smuggler always took the
same stateroom and had a secret compart
ment. In which he would leave the costly
gems secreted from one voyage to an
other, then when his wife came to bid him
farewell he would calmly open the drawer,
hand her the Jewels and she would bring
them to land before the last bells rang."
New York Tribune.
POLITICAL PULL BANKING
Features of the Guaranty Law About
Which Oklahoma Brags.
BANKERS HOSTILE TO THE LAW
Tricks of the Politicians to Give the
Scheme sua Outward Appearance
of the Square Deal Jog
gling the Funds.
Lament Over Late Trains.
Elmer M. Thayer, a rich resident of North
Dana, Mans., became Imbued with tha revo
lutionary Ideas about marriage that have
recently been current and decided that he,
would enter Into a' trial marriage, and died
of worry over tha notoriety his action
brought upon him.
A North Dana man said to a reporter:
"It Is no wonder Thayer wanted to have
a trial marriage, for ha always regarded
marriage for Ufa as a dangerous contract.
He always said that It took a brave man to
enter Into It.
"Thayer, stoutly held that only one mar
laga ii) a hundred was happy. He luted to
say that If husbands and wives spoke their
minds frankly, they would all agree heartily
with Rudolph Dugdale of North Adams.
"Dugdale took his wife to Boston on a
business trip. One fine day they made an
excursion Into tha country. Leaving tha
trolley car at a quaint village, they pur
sued their way on foot Soon they drew
near a grade crossing. There waa no flag
manonly a sign, -'Look out for tha loco
motive.' . . -
"DugdaJe. who crossed tha tracks ahead
of hia wife, heard her shriek. He turned
quickly. A passenger train had rounded the
sharp curve and waa approaching tha un
happy woman at full speed.
"She stood still, beside herself with ter
ror. The train waa almost upon her. Surely
she was lost..
"But now Just In time, with one des
perate leap, tha woman, saved herself. Then,
la a dead faint, aha fel prostrate In tha
dusty road.
" These railroad trains! Always behind
time!' said Dugdale bitterly.
"And ha seated htrnaelf on tha grass to
wait for hia wife to coma to.". Boston
.Herald,
The depositors' guarantee fund feature
of the Oklahoma banking law, has occas
ioned such widespread Interest that an ex
planation of it, together with some of the
comments of Oklahomans, gathered by the
Chicago Tribune, will aid an Intelligent dis
cussion. The state banka of Oklahoma, which are
subject to the provisions of the act, number
609, and have deposits of substantially $18,
000,600. All but one of the state Institutions
have availed themselves of the law.
There was In the state, on July 16, 308 na
tional banks, and eight of these, it Is as
serted, have given up their national char
ters In order to operate under the deposi
tors' guarantee fund. According to the
opinion of the United States attorney gen
eral, national banks may not comply with
such provisions as those contained In the
guarantee fund law. It was necessary,
therefore, for these national inatltutfona to
be converted Into state banka.
The national banka are much the more
Important Institutions In Oklahoma. Their
deposits on July 16, this being the date of
the last official report were 136,830,389.
They have heretofore held the public
money, but since the guarantee law went
Into effect these funds have been diverted
to state Institutions this, at least, la the
assertion of national banking Interests,
apparently for tha purpose of building up
the atate banka
It may be noted that on May 14 the last
previous official, report of the national
banka of Oklahoma showed deposits of
$38,312,862. These waa between the two
dates, therefore, a decrease of $1,621,863.
While there may be much academic dis
cussion about the guarantee of deposits
centering around tha Oklahoma law, It can
not be said that Oklahoma as yet fur
nishes a concrete example of how a guar
antee deposit law will work out under
present conditions In this country. It Is
easy to generalize and theorise, but Okla
homa Is tha ouly -community at this time
undertaking to have its banks provide a
guarantee fund.
atate Does Net Onarantee, -
The state of Oklahoma, according to the
law, does In no sense guarantee deposits.
It only forces the banka to provide a speci
fied sum, and provides a state banking
board which "shall have tha supervision
and management of the depositors' guar
antee fund." The state through this board
Is therefore merely the custodian of the
fund and deposits In the banks.
An Important point In the discussion of
the guarantee fund law which haa not yet
been touched upon Is tha character of the
general banking law Itself. This provides
drastic penalty for disobedience of many
safeguards, and It gives an officer known
as the state banking commissioner power
to call for reports at any time, to have
these reports published Just as they ara
submitted to a bank commissioner, to make
certain acta a felony, and tha provisions
of tha law aa a whole are much mora
strict than those of tha national banking
act .
This certainly haa a bearing upon tha
argument that weak banks would profit
by the fact that the solvent ones were
equally responsible for losses to depositors.
The banker in Oklahoma or the minor of
ficial who goes wrong In the slightest de
gree may have visited upon him swift
punishment so that extraordinary risk Is
Involved In any attempt to do crooked
banking.
Text of Guarantee Law,
That part of the banking law providing
for the guarantee fund aaya. In section 1:
"The state banking board shall be com
posed of the governor, the lieutenant gov
ernor, the president at the board of agri
culture, state treasurer and state auditor.
Bald board shall have the supervision and
management of tha depositor's guarantee
fund, hereafter provided for, and shall
have power to adopt all suitable rules and
regulations not Inconsistent with the law
for the management of the same."
Section 2 Is the one which provides for
assessment on bank deposits In order to
maintain a fund cvf at least 1 per cent of
the deposits of the bank. In the event of
the fund becoming reduced below 1 per cent
assessments may be made at once to bring
the fund to the required amount
For new banks with necessarily fcut lim
ited deposits, the capital stock Is assessed
primarily In accordance with section 3,
which follows: I
"Banks and trust companies organised
subsequent to the enactment of this act
shall pay into the depoeitor'a guarantee
fund S per cent of the amount of their
capital stock when they open for business,
which amount shall constitute a credit fund,
subject to adjustment on the basis of Its
deposit as provided for other banks and
trust companies now existing at the end of
one year. Provided, however, said 3 per
cent payment shall not be required of new
banks and trust companies formed by the
reorganization or consolidation of banks
and trust compnnUs that have previously
complied with the terms of this act"
Greater Idea Is Planned.
It seems apparent from the reading of
the succeeding section that the drawers
of tha new law had In mind the possibility
of the national .banks of the country or
ganizing under federal statute to guarantee
depoelta This section may suggest Mr.
Bryan's Idea of a national Issue on a de
positor's guaranty act.
Inasmuch as he Is actually making a
campaign on such an Issue, the charge that
he and Governor Haskell were authors of
the Oklahoma law has some semblance of
color. Section 4 reads:
"Provided, That In the event national
banks should be required by federal enact
ment to pay assessment to any depositor's
guaranty fund of the federal government,
and thereby the deposits In national banks
In this state should be guaranteed by virtue
of federal laws, that the national banks
having availed themselves of the benefits
of this art may withdraw therefrom and
have returned to them 90 per cent of the
un lined portion of all assessments levied
upon snd paid by said banks."
Guarantee Fond First Lien.
Section ( provides for the taking over of
any bank by the bank commissioner.
The guarantee fund is made a first lien
on all assets. This Is dealt with In section
t, as follows:
"In the event that the bank commissioner
shall take possession of any bank or trust
company which is subjoct to the provisions
of this act, the depositors of said bank or
trust company shall be paid In full, and
when the cash available or that can be
made Immediately available of said bank or
trust company ta insufficient to discharge
Its obligation to depositors, tha said bank
log board shall draw from tha depositor's
guarantee fund and from additional asset
tnenta. If required, as provided In section X.
the amount necessary to make up the de
ficiency,, and the state shall have for the
benefit of the depositor's guarantee fund a
first Hen upon the assets of said bank or
trust company, and all liabilities against
tho stockholders, officers and directors of
said bank or trust company, and against all
other persons, corporations or firms. Suoh
liabilities may be enforced by the state for
the benefit of the depositor's guarantee
funds."
The bank commissioner Is dealt with un
der tha guarantee fund, which provides
that he shall be appointed by and with the
advice and consent of the senate and shall
hold office for the term of four years. Mo
officer or employe of any bank or any per
aon Interested as owner or stockholder .of
any bank, shall be eligible to the office of
bank commissioner. However, no person
may be appointed as bank commissioner
who shall not have had at least three
years' practical experience.
He must give bond In tha aum of $26,000.
It Is his duty, or that of his assistants, to
visit every Institution subject to the pro
visions of the act, at least twice a year,
and oftener If he deems it advisable for
the purpose of making a full and careful
examination. He and his assistants are
authorized and empowered to administer
oaths and to examine under oath the stock
holders and directors and all officers and
employes and agents of such banks or
other persons.
It will be seen that this provision comes
near putting every one connected with the
bank In the power of the commissioner,
and also "other persons."
Fear Politicians Accept Law.
As to the benefits fo the guaranty law,
there are divergent opinions, though an
officer of the Oklahoma Federation of
Commerlcal and Industrial organizations
says:
"It Is difficult to find bankers who will
orfenly favor the law, not excepting the
state bankers themselves, who generally
object to being quoted for the reason that
they fear criticism either way might bring
down upon them the mailed hand of the
politician. An official of one of the strong
est state banks expressed what he con
siders to be the position of state bankera
by aaylng that while In a meauaure It
might be of temporary advantage to atate
banka In smaller towns, they all view the
law with more or less apprehension and
treat It as an experiment.
"The atate banking board Issued a state
ment In July showing an Increase of twenty-nine
In the number of state banks since
the law went Into effect, and In deposits of
more than $3,000,000. Opponents of the law
point oat that several million dollars In
school money and other public funds were
transferred to the atate banka to assist In
making this showing by the state adminis
tration." National Bankers Fear Act.
National bankera of Oklahoma preaent an
attitude of practically unanimous hostility
to the law. This feeling la presented by F.
P. Johnson, president of the American Na
tional bank, Oklahoma City, who says:
'The guaranty of bank deposlfs In Okla
homt Is a failure ao far aa largely Increas
ing the deposits of state banks la con
cerned. The mass of the people pay little
attention to It, but continue aa heretofore
to carry their balance with banka that they
know and have confidence in, regardless
of whether the lattear are 'guaranteed' or
not
"But It U up to the- state officials, who
were among tho original propagandists of
the Idea, to make a showing for the sys
tem. Thus, w ben the deposits of state
banks did not increase as fast as expected
after tha new law went Into affect all
state and school funds were transferred
.from tha national to tha state banks, de
pleting the 'former for the benefit of tha
latter. Then came promises of large state
deposits to such nationals as would sur
render theln charters and reincorporate aa
state banks. Be It said to the credit of the
nationals that not over 4 per cent of them
have yielded to the temptation.
"The whole proposition in Oklahoma has
resolved Itself into a thinly-veiled attack
upon the national banking aystem of the
country, and this will Inevitably follow In
every state that adopts a guarantee sys
tem."
Mr. Johnson Is a democrat, as well as are
the principal directors In his bank.
Claims Bank Was Sacrifice,
The alngle Institution which has been
closed since the law went Into operation
the International Bank of Coalgate was
closed for failing to obey an order of the
board. According to the statements It had
fewer loans and overdrafts and larger de
posits when closed than when granted a
license, three months previously.
Dr. L. A. Conner, president of the Inter
national Bank of Coalgate, charged that
Governor Haskell closed his Institution In
order to afford an example of the working
of the law for political effect
"Less than $M0 of the depositors' fund
was needed to pay off the depositors," he
said. "There was over $17,000 In tha bank
at the time it was closed, and Receiver
Bchults has made no attempt to collect
the outstanding notes. He haa been there
three months, drawing $126 a month, which
the directors of tha bank will have to pay.
and $1,600 expenses will be against tha
bank and not a dollar of It was necessary.
The overdrafts In the bank were for cotton
and stock and were of tha same character
that Is held by every bank in tha state."
It Is charged that Governor Haskell and
William Jennings Bryan were tha authors
of the law, had It passed, and then censed
the closing up of the International bank
at Coalgate to show how the law would
work. The Coalgate bank had a capital of
$38,000. Its president charges the closing
was pureiy for political effect
Improving Live Stock,
Maclyn Arburkle In 'The Round-up" Is re
sponsible for this one:
Shortly after a new administration took
hold of a well-known southern railroad a
great number of claims were preferred
against the company on account of horses
and cattle being killed along the 11ns In
Kentucky. To make matters worse. It ap
peared that every animal killed, however
worthlesa It may have been before the ac
cident, Invariably figured In the claims
subsequently presented as being of the beat
blood In Kentucky. One dsy, In conversa
tion with one of the road's attorneys, the
president became very much excited in
referring to the situation,
"Do you know," he exclaimed, bringing
down his fist on the desk, by way of em
phasis, "I have reached the conclusion that
nothing in Kentucky so Improves the live
stock as crossing It with a locomotives
Young's Magazine.
Why Noah Went to Sea.
Captain Prlt chard of the record breaking
Mauritania told a group of Americana on a
recent voyage that a sailor's life waa a hard
one.
"It Is not so hard as It used to be before
the coming of steam," he said, "but it Is
still fearfully hard, for all that. In fact, I
neVur heard but one man who had a da
cent excuse for going to sea."
"Add who was he. captain T" sold a Clil
cagoan. "Noah," the captain answered. "For If
the old fellow had remained 00 shore he
would have been dxow aed, WaaMngtoo
Btar.
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