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Show FRIDAY, SEPTEMBER 30, 1929 h'" O PAYSON CHROICLE, PAYSON, UTAH TjwwKtjnHnrao: o 3 3 3FPbSS53SB5ob a S3 ., H v eo'OD'O ES -- a cm -- S 3 ct ax 3 lu 5 O 3 o 2 a: - 1 o 3 O 5 - W3 o i S3 S3 ! I CO CO : 3 -' HEATSISOilE THAN OF EXPOSURE 3 W M M M tO 50 00 tO O O AO1(0-4M- M M HM55-- 1 M CT OHikOa)U(nN(005MN55MH sMACOeiCnbtOCOAtOMCOAMA-- -- I M q X J) 5! M rf 4 4. O) to Memt 55 9H ftiKMwr jO - -w Healing Plant Now Used to Circulate Cool Air in Homes in Summer. rf K w p Smhmmm o 95 05 0 mWOOWW HW , CO 1 JOw . O 0090 -' 51 M M H OMOhA. M . M OOMOOOO. MMWOCTMOi.' wWOWOOO !4k4kCn4k-tO..M- M 0 CO ;r 7 00 AN cn M.M M bo a A o a PAM4 CO 4k 4k tO rS) ?2. QAOA 4040 oo o AO 4k M k 1 O to -- O PI CO cn 40 q a cn 2 oo -- although 7 cents of every home building dollar Is spent for heating the equipment, Holland Institute of Therntology of M I C b Holland, that out points K M M00MCTOmo MrfkMOOJr" 6J a3 M M M tO yOOMO-Jp- M Summer lient Is from two and a half to five times us deadly to humans as Vet, winter cold. 5T cobooioobAQi Jtorfii-en-i--oci- o A 4 s 5 to N M 4k OOWAM 4 W tn 4 q t 1.J IO home 52- -4 W M 4 4 H M o cn o 4k w M M W 4 4 O mmHm X w M wO w A Ol Mj)MMKWlU 4k 4k 4 (X ,S a4kb4ca4Wcoyiook,W9iWwOl.b4,ab-,y1AAHMwHKJ:'M,'309i'MN5j)OQ(5-r)CjC5- 2. 0 3 p CD 3 3 o CD ap to tsS H H MN A to M r: M tO CO MM MM 3 h NMmMONhOM4.MM1mAAAAAa'!C i M M 3w to c wc NAyiCri4kMMXA4k01WWWM.1 P M w 5 tO HNpAPpO4WO4pOA4kOA4kXAO004kOC OOJnMJOJHMNA004kwbMbM00 4 l NAOAUVICnAHO-OAAHAWMAOWMM- S3 H Si 04 nm-fntu- NNN'nMQ0000NN0MMMMMMNHHHHMMHrt M M W M M S g tsjpptvOjtw ccnMoaf,apprfkp'otcoajroo-oorfpCboOtO0iJ?94i.oOO4k.4fctotOtO4kOO4kbots9rf.9O4.tN3!:)i5 ttMOMOr-- p MM 0 COM M4kA M a 4k1tOCOlCOltOtOtOtOtOt04k w3 44AAOAAC04kOyiOMUlCflMOXAW4kMWXOH4k 0000A00OpMA004AAA4kMNIAXO4A4WWNOMW4kA oO r iOOOCTCTCOAWMWNCTOMAOWOCTMONikMto fr A1OOCaH7C0AA7O4kfcOACi1AMCntO4kCOOOAVllMAAA 3 O' o D a ence. a, O H P3 S 7w 5 tO tO tO M W M M tO M to M M M l jOJOOOOMtOpPp1Oa,kOOMat0COW1--OOCOO'o .MMANMPSNMA-JwocbtOMCltOHC. 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MpD0SpAOpMMpt04kiAtWOOMXOOXH pApAMAMOOWOOMwWWWtobtOoiuMAAbwi AMy1WMWWOOWN9MOOAXWU10AAyiMWWOX( O i - to M M 00 to 0 to t0 H M M M o to oo cn cn eo It lo to bo as H os CO to , cn t f C0tOCOMCntoMtOWCntM4kMtOMtO-- M cn o 04to m- as-- b. 0 o 0 4- Ok to to to u CCCOv. as 4k as co 4. to Cl -- cn to M M CO to A tOtOtOCOCOtOtOM ascobMcncnbto4kasooasoJi MOONOOWOoOoOrfkOOBlyjfl c 0 't AWAAOAMHONOOtOnMyjCTM01!! NHOAOoWfOOMNpVOpAOOMNMpa M,oboHM(jiMfl4OM(fiwOtOMMAMJWM,te mMMMMMmMMNNmnnmMN" co M I JX. j MMWHw95CTAM'6(pMC54kk3 iKawA kh to to Hot Spells Are Hard on the Old Folks. OHOMPCoVHPCOpHHptOATQ OO4OUlOA4kC04nWAOMOOw cab OO 00 cn o HM CO A MM WAWAHtoMHWOOp4kMM4fctOMOMW CO pH 00 AA 4k w M W W tO tO w IUMMMMMM w A W M N A to O AAHH A A O W OO A A A O A tO A 08 M W A AOOUA4kAAett0HOOMHOOMAO4kAMAAOAX0 y WlikltOAMAAOfltOMHAfibtOAAMA4k41AMtOx AM4kMMOOAWJMOOOOWXAW4kHMOAAOO'OXX4 4kpAWMHMWMpA4-4MW004kMOWNMOXOJMWM- and-a-ha- offl-cla- tion Agricultural Commission ONE of the most dUeUaied and least questions regarding the farmers problems is tlio part the bank has played, or Is to play, in 1 3 0- 2 5 Cl of the air by cooling It below the dew point, as in a dehumidifying plant, liie third method is still more com plicated. But the last Is simplicity itself. It consists merely in keeping the air moving at a given velocity. When it comes to cooling a steel mill or the stokehold of an oceanic dner or a metal mine, only a competent engineer can decide which of these four possible methods Is best in each case. But for most of us. In our homes, the choice is narrowed down by the fact that all the first three require expensive machinery. So we have to rely on air motion. Heating Plant Serves Double Duty So it Is ntirely logical, according to the Holland Institute of Therm oiogy, for the warm air heating Indus try to apply this principle to intro duce the comfort of coolness during hot weather. As a matter of fact, the leaders of this Industry have con verted the heating plant, which Is useful only for a part of the year into a real plant that improves the year round conditions In every room of the home. After all, why not? If the heating systems Job U to circulate warm air the farmer. The bat, is of between the two, however, is a vtiy simple one. Both sides are subject to criticism foy the condition that exists today. The major 6hareoftlie blame rests ou those banks that have failed through disregarding fundamental principles in loaning other peoples money, that have encouraged the farmer to expect hank loans without first putting ills business on the earning basis which would justify a bank to lend him money. One of the underlying reasons for ,the failure of so many country banks has been the existence of too many banks. With tlie limited business of the commmunity divided among too many banks it was impossible for them to make enough money to justify the employment of officers w ith the proper ability to manage the bank successfully. Then the scramble for business was so hard that good judgment and foresight were forgotten In granting loans, with the resultant failure of the weaker institutions. In tlie future, banks are not going to loan the money of their depositors without the kind of security that can bo immediately realized upon in case tlie loan is not paid, or unless the applicant presents a sound and successful record of operation whether that business bo manufacturing, merchandising, or farming. Farming-BankinInterdependent This is a perfectly obvious attitude, because country banking cannot be successfully and profitably carried on unless farming is successfully and profitably operated the two businesses are dependent upon each other. There is no longer any question that the time lias arrived for these interdependent businesses to reach a common ground of understanding of tlio requirements that both must meet for their mutual welfare. There is no doubt but what the future prospeii'y at tlie farmer and the basis of coopmtion between banker and farmer is tlio intelligent diversification of crops. It is necessary, however, to have the light conception of diversification. The mistake that many farmers have made in at tempting to diversify lias been to iine.it too much money, time and land in u new and untried crop sometimes a hazardous crop, or one for which no immediate market has been developed, resulting in a loss of the initial effort and discouragement of future efforts on a more conservative basis. Disregarding tlie primary and essential principle of farming namely, increasing earnings by decreasing the cost of production through tlie practice of building up soil by crop rotation and intemive cultivation, is responsible for a large share of the farmers trouble today. ss The Human Body as a Radiator Summer. In against which It splashed. In the case of several grilles, tlie spread nt tlie ceiling was noticeable for some feet. Tlie air from wall and baseboard grilles was carried well across the room before the velocity was dissipated. Here, then, Is a practical application of air motion as a cooling method for the average home. When we are entertaining friends on a sweltering summer evening, all we need do is to turn on a switch in tlie Kitchen and set a cooling breeze coursing through the house. No Sleepless Nights. When bedtime comes, we can be sure of getting to sleep easily and quickly, without tossing and sweutlng through half the night, because of the steady cooling currents that pla.v over our beds. Grandmother and grandfather may sit in the air stream and so pass through the "hot spell" without those distressing attacks of heatstroke that make midsummer a dread period for old folks. And baby's cradle may be placed where the wind blows over it moderately, so that the little one, too, Is free from summer Illnesses due to heat. And In contrast with elaborate evaporating and dchumidifjing mil chinery, this plant Is inexpensive, both in operating cost and in original cost of the equipment. On tlie first point, tests showed that the total cost of cooling a large dwelling by this method amounts to slightly less than a cent an hour. Logically, we want to know what happens to the propeller system dur ing winter. Well, one of the outstand ing effects of the increased air velocity is thnt the house can he warmed up on cold winter mornings much more rapidly than with an ordinary heating plant Also, air circulation throughout the dwelling Is improved. Instead of or two air changes an hour there are from four to six when tlie propeller moves air through tlie sys tem. This produces more uniform and consequently more healthy tempera tures In the rooms. Easier to Heat Home, Too. Higher heating efficiency and con slderable fuel economy result, for three reasons: First, no forcing of the heat er is necessary during extremely cold weather. This practice is costly of fuel and burns out parts which are expensive to replace. Second, tlie temperature of the whole system Is lowered, the air leaving the grilles at an average of 160 to 170 degrees in an ordinary warm air system, but only 140 to 130 In the propeller system. Third, heat los3 from the heater and heat pipes Into the basement is decreased by about half. And finally, the propeller forces warm air to every room In the house, even those mobt remote from the central heating plant: it means an end to that room tlmt could never be kept warm. two-stor- M "3 2. as 60 tf a cminri cloAn Think what this means. The air we rode through is of the same temperature as that of the air we found so jtsufferabie before we started outer virtually so. Tlie relative humidity Is the same, too. But riding through still air at 40 miles nn hour Is equivalent to sitting in moving air with a relocity of 3,320 feet a minute. This suggests that mere motion of the air may he used for cooling purposes. And that Is exactly what science has dis covered witliin recent years. Air motion makes any moderate states the condition feel cooler, technical guide book of the national society of engineers. And 12 years of research at the Pitts aurgh laboratory of that organization and the United States Bureau of Mines bas made It possible to calculate exactly what cooling effect any velocity )f air motion will have in any condi ion of temperature and humidity. Equivalent to Temperature Drop. The facts are made use of in all sorts of Industrial problems. As a matter of fact; engineers know four ways to cool the air in buildings. The first is to take beat directly out of air by passing It through cold water or cold brine sprays, or over cold coils, or both Ih second Is to reduce the humidity 3 o si-- all . nluvoil g. O cn Moving Air Has Cooling Effect. Tlii" i xpei ienee occurs on hot mughen not a breath of gy" owning wind h aslii a:.d there seems nothing In o do in t perspire and suffer. we get into the family ,.r. si. tit off at about 23 miles an aoui, and feel the air eddy past with throughout the house in winter, why shouldnt it circulate cool air In summer? Tills has been brought about by the introduction into the vaporaire heating plant of a propeller run by a noiseless electric power unit. course, its first efTect is to move the air through the house at a much higher velocity than the unaided force or gravity will move It. Whereas the ordinary warm air heating system, operating under winter conditions, changes the air in each room from one to two times an hour, the propeller system, operating in summer, turns over the air from four to limes an hour. And this steady and moderately rapid motion of the air ''Ults in appreciable cooling during the summer. Tests are cited by the Holland Institute of Thermology to show that this occurs on all floors of the home Cooling Breezes Throughout House. Uen a considerable distance from tlie grille, the cooling-effec- t of the air motion Is distinctly noticeable. On this point, the language of the l test report Is graphic: "Propeller circulation produces a well defined cooling effect which is readily recognized by bodily sensations. This circulation results in cooling and Increased comfort to the occupants of the house. "The velocity of discharge from fioorgrilles as shown by the tests was sufficient to carry a good share of the cooled air all the way to the ceiling, 1 grateful coolness. Presently, the speedometer slides up to 40 miles. We stop perspiring, forget the Heat, become comfortable. After an hour or two we return home, refreshed and o ,M1 1L32. PPPPpMpOOQOAAAMtJ! to SSSbbcrscobbMCocotP o HOW ww p :, cooling plants are rare, although modern science has made them entirely practical. According t the latent figures of the United States Iublic Health Service, i persons died from heatstroke and only 241) ns a result of exposure to cold in one year. In the preceding summer and winter l.floo were killed hy heat and hy cold. The statistics do not account for the vast number l of heat prostrations. But though the cooling of theaters, auditoriums, si bools, hospitals, hanks, factories, ollioes and other structures has become common practice, the loane for comfort, health and eiii Imiey is neglected except for This heating during cold weather. would not he the case, the Holland Institute of Therntology suggests, If the ner.ge home owner would just "take a tip" from a common experi- MWAWAOOAONOAWOAOHOAifcbAbMiubAjkbffi ooocnoooooocnowtoooooooc'iocnoocnocacnoo oWX By H. LANE YOUNG Associa- sr American Bankers financing r fj M to COLD, INSTITUTE FINDS 3 m ct ic iK3 io b ic b o fJ'CJtS55iOVi3rcOOuO h ?! !fk t0tOOMM70MtOtOOOiCntO4kOO0 . TO THE i 3 - THE FARM PROBLEM O 3 : J2ct- DIE FROM THE BANKS PART IN iJC o to w 37 IMflY f'OSC PEOPLE 3 S3 o3 B 5 a-- . p- T 5' 1U g 3 fD -- O f s " a, 1 - 3 "Si 3 Kri,SK " - ytOM- 0 y As An Agriculturalist Sees Farm Boards Job The new Agricultural Marketing Act approaches farm relief from a materially different point of view from that of former bills before Congress in recent years, says Dean H. L. Bussell of Wisconsin University College of Agriculture in the American Bankers Association Journal. "It contains a new idea, fraught with the greatest posibilities the organization of a Federal Farm Board," he iays. "It has been possible for farm cooperatives to borrow from Federal, aided institutions before, and at a low eg rate than city business men had to pay for working capital, made by but this is the first set-uthe government in which a commls-uohas been carefully chosen to give undivided attention to an effort to solve the problems of a farm group. "It is hard to conceive of a higher legree of responsibility than must be iSBiimed by this commission. No board uvcr created by congressional action uas been clothed with as wide plenary It is authorized not only to lowers. ulvUe but to execute, to plan and pul ds plans into effwtivo action, to buy ind held, to dump, to dip into the its Federal treasury to accomplis-lmis with what wmuld be almost resources to any private concern. The boards only ob to to succeed, and no govern-uenta- l agency even during the war ime emergency had a wider latitude. "Many will think tlie farm relief rogram will lie universally applicable 0 the individual land owner or oper. tor. Such procedure is far from the ase. Aid is to be extended through ooperathe organizations hy making t possible for such groups to obtain 'ash advances to hold crops so as to icrmit of more orderly marketing. "While the primary relation Is with cooperatives, the individual or unorganized f irmcr will also profit hy tlie activities of T's organized fellows. If a stabilized program of merchandising is able to eliminate the surpluses that n i com-nerci- il exert such depressing influence on prices the general price relation should be improved. It this occurs the individual farmer should also benefit. "It Is here the government is pro. posing a novel attampt in economics. Through stabilization corporations for each commodity It is proposed to make possible the handling of the surplus so as to lessen Its disturbing influence on prices. With products such a program is, of course, conceivably possible, but one wonders what would happen If a stabilization corporation had to handle a perishable crop in great quantities. "Is it going to be possible for a stabilization corporation to stabilize? It would be one thing if It had merely to stabilize the American situation, but often that situation is complicated with world conditions. Perhaps tlie very fact that such a stabilization corporation is in position to function may have a steadying effect on the market. Markets respond to psychological stimuli as do individuals. The very fact that the government has now def. iirite'y stopped Into tlie breach with all of its resources available to make the new plan work will exert undoubtedly a strong stabilizing effect. "It would be presumptuous to forecast what the ultimate effect of the new act will he. It can, however, he definitely stated that In the present plan much of the philosophy that had been so drastically criticized as eco. nomically unsound has been eliminated. The existing plan is woTtlt trying. It will undoubtedly cost the Federal treasury no inconsiderable amounts of money, but if it produces the hoped-fo- r result It will have boon well worth while. BANKING FINDS THE WAY TO SAFER ERA By FRANK W. SIMMONDS, American Bankers Association In considering the hanking situation throughout the country, the fact should be kept in mind that while one bank iu tea failed during the past eight years, it Is far more Important that nine banks out of ten, operating in the same general field, serving the same communities and meeting almost Identically the same problems, weathered the economic storm of readjustment successfully. This achievement cannot be ascribed to any element of luck, but rather to consistent adherence to sound banking principles and profitable practices. Through worthy and efficient management they met the issues and problems confronting them, squarely and successfully. Banking is regarded as the keystone of our entire business structure, hence bank failures are rightly regarded as intolerable public calamities that must absolutely be prevented. The three or. major objectives of all Inter-banganizations, whether local, county, district, state or national, are to make banking safer for all concerned and, through increased efficiency iu bank management and supervision, to lessen or eliminate all forms of losses so that greater rewards may accrue to banking and better service to the public. There Is definite evidence throughout the country of a strong and growing spirit of cooperation among bankers and banking organizations, which Is resulting more and more In strengthening the work of all. Cleai inghouse associations among banks In city, county or district groups undoubtedly constitute the chief line of defense against bad banking practices. They have demonstrated that they are the principal factor in bringing about reformation in banking regulations. Improvements In basking methods and the observance of sound banking principles. For many years the primary purpose of a clearinghouse association was the clearance of checks, but today It Is the clearance of banking ideas and the solution of banking problems. Clearinghouses supply the local machinery essential for setting up and putting in practice necessary standards and uniformities. There are now 435 clearinghouse associations In cities, towns, counties and groups of counties in the United States. Men today are more intelligently than ever before. Banking is combining the best elements of competition with sound group action. By virtue of this combination, individual thought has much wider possibilities of expression. In general, group action has not stifled but has stimulated individual thinking and Initiative. Better lnter-banorganization and relationships afforded hy clearinghouses would have undoubtedly saved many institutions that have suffered failure in the past. The clearinghouse activities of the American Bankers Association are conducted for the purpose of encouraging ever widening cooperation along fundamental principles and practices among banks associations. through clearinghouse Bankers in every city, county or district can, through the agency of a clearinghouse, promote better, safer and more profitable banking and also serve their communities better. There never was a time when successful bankers were so alert to the value of team work for putting the entire banking structure in prime condition. Sound bank management la the order of the day. Constructive cooperation Is more than a sentiment. It Is an economic necessity, a matter and sucof enlightened cessful bankers more and more are utilizing the agency of constructive group action in developing and establishing necessary standards and uniformities in banking practices. Each year banking is becoming more of a science and attaining higher profes. sional standards. k group-minde- d k j |