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Show The Royal laundry uses 100 portent pure soft water. ' Phone ?).. - Royal Luuudry darns your. Royal Laundry darns your 'p" Phone 90. hose. Phone 90. The Royal Laundry repairs your clothes. Phone 90. VI; e luiyal laundry uses 100, i rut pure soft water. Phone .: ..- - I Royal Laundrv reuuirs ' your clothes. Plions 90. The Royal Laundry calls for nd delivers. Phone 90. See the tt wFffd ; ' From the new deep radiator to the curving tip of the rear fender, there is an unbroken sweep of line a flowing grace of contour heretofore thought possible only in an expensive automo- - bile. Now, more than ever, the new Ford is a "value far above the price." 1 Canyon Motor '.''Company;- ' : ...... last ; CHANGE SERUICE STATION 95 MAIN STREET SHELL OIL PRODUCTS AilCOflE mORELLO . i 1 .'.v.. The Royal Laundry does it best Phone 90. All repairing done on finished work. Royal Laundry, Phone 90. ; ' J':i Cm tiiry ' ' lit trtvi'ii ii silver ikt linl h n-.- i'y lit nf tiny stlvri :ri.ns, hy (iliiiliii; H in n riil'itv I!vm ulli'itle solution, iiml tlioy In a sln Hon or I'liiniiidii suit until It turn deep yellow. Next the Ivory Is dlppd In water, mid exposed In the mm mi: II It blackens. On rubbing, the hi nek surface cbnngcs to brill i n nt sllve. Popular Selene Monthly t dlr.ni.B H ; ur In lie t'ouDU !"Ha c:ixts uinl on tslumla. luunj of iIh'Ui forming Isliiml themselves, luob in Strutiiliuli. HIT the coast i;f lluljr No active volcanoes are fount In the In terlor of aontliieiita. those In Call furula ami Alaska, although some-wha- t reino-e- from the coast, being considered as part of the coastal cbala of mountain. . ,.; PHENOMENAL GAIN IN TRUSTSERVICES By JOHN Q. LONSDALE President American Bankers Association 0 phenomenal baa been the increase iO of trust business that statisticians unable to keep a true record of us advancement. There are now something like 1,500 active trust departments 1 n banks In America, while In 1900 only 165 active trust departments had been established. In becoming the custodians or the guardians of the property ot oth- - ers, bankers as- - j0hn Q. Lonsdale aume what has been fittingly described as one ot the "most exalted human relationships ever created by law." They become at once a big brother, a big sister, an advisor, or a confessor, sworn so to conduct themselves that clients will be won to them by their ability and Integrity. Thousands ot little children have re-ceived an education and have been started off right In life through tbe trust department's sate keeping and guidance ot the family estate, number-less widows have been protected from merciless stock swindlers, many thou-sands ot business men have been re-lieved of troublesome details in the conduct of their business through the oreatlon of a living trust and still others have safeguarded their busi-ness enterprises through life insur-ance trusts. Tbe favorable reaction- - of the public toward trust department service is not accidental. It may be traced Jointly to the growing intelligence of the American people In financial affaire and to advertising to the world at large the merits ot trust services. Ad-vertising used In a sensible, Judicious way Is necessary, a power that has ac-complished much good for humanity. Among . the detailed services ren-dered by a trust department the one that seems to be winning favor the fastest Is the life Insurance trust Life Insurance Is the quickest known way ot creating an estate.. In reality It af-fords tbe possessor the opportunity of setting up a positive monetaiy safe-guard for his family and then paying for it on the installment plan. A married man is not fair to bis family If he falls to carry life insur-ance. I would say to the young man, "Buy Insurance before you buy the ring," and to the young woman 1 would say, "Marry no man so thought-less as to scoff at life insurance." 'Crckd CMoliae" Vv'lnm . rude oil Is subjected to Of tn.m iiiMtlllntlon by Ore the HiiW irlurt dlsllil off tip to a tempera imp .if TiTi degrees f'nhrenttalt. Ahnv ifiiipi-rtiiur- the hydrocarbons un (it: it till riVnwiposltkm, With tin 'i!i tii.it komi HyM fr. iVjcIb art .".buffi TliN U narking and the I '.rlit )i'miicIh ure crtHkeil tfiimillite 'i I rnltuMe for tlwidna tvhen prop :'y trmm-i- t to. remov e nlijw llniiiilil ' ..In? .n't itihet fmftt!iii.'P' r!0$fW How to Play 17BRIDGE . I Wml'' Wynne Ferguson I Author of PRACTICAL AUCTION BtUDCB i Copyright, 192. by Hoyle, Jr. . . ARTICLE No. 12 " In the preceding article problem hands were given illustrating end plays. Simple as they were, they have puzzled some of our readers so the following solutions should be closely studied: Answer to Problem No. ft Hearts Q Clubs none Diamonds Q, 8 ' Spades 7 Hearts K Hearts A, 10, 4, i Clubs 7 i Y : Clubs none Diamonds J, 10 : A B : Diamonds none ' Spades none t . Z : Spades none I' Hearts J, 8 Clubs 8 Diamonds 2 J Spades none (a) If hearts are trumps and Z Is in the lead, how can Y Z win one trick against any defense? i . (b) If hearts are trumps and either A or B is in the lead, how can A B win all of the tricks? (a) Solution; Y Z can win one trick by the lead of the eight of clubs by Z. Y should trump with the aueen of hearts. B must over-trum- p with the ace so that Z must now make the jack of hearts. (b) Solution: If either A or B is in the lead, hearts should be led and won in A's hand with the king. A can then lead either the tea of diamonds or seven of clubs which B should tramp with the four of hearts. B should then lead the ace of hearts, dropping Z's jack and thus enabling B to win the balance of the tricks. This end play was given to show the importance of the lead. Very frequently it is worth a trick or more to have one hand or the other in the lead, so be careful to figure out in advance, if possible, whether or not it is advantageous to obtain the lead yourself or allow your partner or an opponent to do so. ' Answer to Problem No. 7 Hearts none ' " Clubs 9 ' Diamonds A, 3 Spades 8 Hearts S Hearts 2 Clubs A t Y s Clubs none Diamonds K, 6 't A B: Diamonds 9, 7, $ Spades none : Z i . . Spades none Hearts 10 . Clubs none .,. Diamonds J, 4 Spades 2 ,- .- A There are no trumps and Z i in the lead. How can Y Z make all of the tricks against any defense? Soiutuin: Z should lead the ten of hearts and discard the eight of spades from Y's hand. Z should now lead the deuce of spades and A is forced to dis-card. If hediscardsthesixof diamonds, Y should discard the nine of clubs and Y's ace of diamonds and Z's jack of diamond i will thus win the balance of the tricks. If A discards the ace of clubs, Y should discard the trey of diamonds and Y will thus win the balance of the tricks. No matter what A discards at trick two, Y Z can win the balance of the tricks. This end play is given to show the importance of forcing the opponents to discard. Very frequently tricks tan be gained by so doing. Answer to Problem No. S . . Hearts none , Clubs J, 2 Diamonds K - Spades J Hearts S . Hearts 7 Clubs 10 : Y x Clubs Q, 3 Diamonds none . :A B : Diamonds 9 Spades 6, 3 : Z 8 Spades--non- Hearts 9, 2 ' Clubs 4 ' - Diamonds A .' Spades none Clubs are trumps and Z is in the lead. How can Y Z win three of the four tricks against any defense? Solution: Z should lead the nine of hearts and discard the king of dia-monds from Y's hand. Z should now lead the ace of diamonds. A should trump this trick with the ten of clubs and Y should over-trum- p with the jack. Y should now lead the jack of spades and no matter what B plays, Y Z must win one more trick. If at trick two, A refuses to the trump ace of diamonds, Y should trump with the deuce of clubs and lead the jack of spades. B can either trump with the queen of clubs, in which case Y's - jack of clubs is good, or trump with the trey of dubs, in which case Z over trumps with the four of clubs. In either . case Y Z must therefore win- three tricks. This end play is given to sliow the necessity at times of trumping your partner s tricks in order to get into an ; advantageous position yourself, or to place your partner in that position. For example, suppose at tnck two both A and V refused to trump the ace of diamonds. In that case Z can lead a trump or the deuce of hearts. If r, A B must win two trump tricks no matter how Y plays. If Z , leads the deuce of hearts, A should . discard and no matter which trump Y plays, B can over-trum- p and thus enable A B to win two tricks. Note this end play carefully for it is a tricky one. Answer to Problem No. 9 Hearts K Clubs none Diamonds none , Spades Q, 4 ' Hearts none Hearts none . Clubs Q : Y : Club- s- none . Diamonds none :A B: Diamonds -- r- K Spades 10,3 : Z . . j Spades K, 7 .. . Hearts Q Clubs none . Diamonds none ; Spades A, 2 ". Spades are trumps and Z is in the lead. How can Y Z win two of the three tricks against any defense? Solution: Z should lead the deuce of sndes. If A plays the trey of spades, Y should play the four. If A plays the ten of spades, Y should play the queen. In either case, B is forced in the lead, cither with the seven or kine of spades. He must win this trick or Y Z will win all three tricks. Having won this trick, B can lead either a spade or a diamond. If he leads the spade, Z wins the trick with the ace and Y's king of hearts must win the next trick. If B should lead the king of diamonds, Z should discard the queen of hearts and A is forced to trump. As Y just overplayed A's trump on the first trick, he can still do so no matter what was played on the first : trick. As a result Y must thoswm trick two and Z's ace of spades must win trick three. In this way Y Z must '" win two of the three tricks. This end l, play is given to show the importance of , throwing; one opponent in the lead so . that he is forced to lead a suit to his disadvantage. ' ' Other end plays will be given from ' time to time, but the best way to profit from these example hands is to be on '. the lookout for opportunities in actual . . play. ; .,'' ,. ; Boy' Ct M.i.vi. i :..;. 7 ... Where ex pert a fulled the - ot a former living tnnr S:ir:in.u I succeeded. An oleiii'- pump mi,,. to a well ceased funel limbic ' n ;' pert from I'litttsliurg tr:is nn.iivV y locate the trouble. Then un e.s;. from the pump factory Invcstti;.'". with similar results. The boy in-gested that bis father look In th v- .1 H did. Thfi Writ ma rfrr ' - Term for High Wlr The Naval ohservutor.v hiijs hljrii Hter occurs BO minutes later r;ier day on an avernce. Illjrh tvuier fol lows the transit of the m'n acni. 'he meridian of any plnre by a cei 'uln Interval, which Is known ut Hi. 'esfiihlishuwDt of the port." T!il Interval la approximately the iinn Mirimghout the year for sr. on. dnre. but differ widely for illiToierv .teres. ' Moxarl Cvct " t An orciiiilxei uf ..' " t V I'lirlii piilnnlltett bin ( t-o- , t. tl.i" uutlliii'lttea In oriilo: ". tin, .i'Kii!nton.. Aiming tieni er oei i leil (!! "'Klrsl I'liii.e'l nil :l Morjii" t'v.le' The w-- r;..-- t nn ri'liirne. wlih Mile Iti'in i n1, i iil t'h. i s Mil oxpliinnlon , i 'lie iinirKlttN "N'o freo nA'f' til. v le " Jaiy of Grecian Or'gio? Vrt.il by Jurj Ih generally eoiuedeil i h.ive originated with Hie (!reek i Alliens a certain number ot lr-- , u by Lit. heard nail rt' ! il iimor the direction of u ludui rj .'ii to be tried at '. d'f i ' en up of men liearlnn eiul. Ciii'e " i .i nyHtoin wns adopted ii. i the Normiins innile nne "t n v.- - fnriii of Jury when ihej in i I'i'L'liinrt In HWV enlllne i.iiw BANKERS FIND GROUP BANKIN6WIESPREAD Over 13 Billion Dollars of Bank Assets Ih - Affiliated Systems Numbering 1p850 Members In Nearly Every State. Over 1.850 tanks with more than thirteen billion dollars In resources are shown to be associated with chain or group banking systems In the United States In facts recently gath-ered by the Economic Policy Commis-sion ot the American Bankers Asso-ciation. The chairman of the com-mission, R. S. Hecht ot New Orleans, pointed out that the facts indicate that "almost 7V4 per cent ot our banks and over 18 per cent of our batiklug re-sources are In the great net of group or chain banking that now covers al- - most every part of the country." The commission's facts comprised '' chain and group banking affiliations In the broadest sense of tho term, the re-port said. Tbey Included those groups In which the controlling element was a particular bank, there being report-ed 78 Instances of this class involving 407 banks and about $6,473,000,000 In combined banking resources. They Included also groups In which a holding company, not sub-sidiary to any particular bank, was In control and ot this class 28 Instances were found,' Involving 3S0 banks and nearly (5,335,000,000 In resources. The report also Included groupings In which control was exercised by persons and these cases num-bered 167, involving 1,071 banks and about 81,468,000,000 la assets. The Total Figures The total was over $13,275,000,000 in aggregate resources. Some of'the sys-tems comprised 50 to 100 banks each. Head offices ot the groups were tound In all Jurisdictions, but nine ot the atatea and the District of Columbia. "We have not included in these fig-ures," the report says, "banking groups la which a commercial bank, a trust eompaay and an investment bouse, and sometimes a savings bank, are tied together by some form of stock holdings aha operated as com-plementary elements la an organiza-tion rendering complete financial serv-loe- .We have held that such groups are similar to a departmentalized bank aad different In the purposes and op-erations from a chain or group bank-la-system. ' Tor purposes of the present report we deflae chain or group banks as sys-tems la which centralized, control, whether corporate or personal and either rigid or informal, directs the operations ot two or more complete banks, not .functionally complemen- - tary, each working on Its own capital aad nnder Its own personnel and lo-cated la one jor more Cities or states.- - Commenting on the question wheth-- f er the' raplfl development of chain banking was, In the nature ot a reac-f- . tion against restrictions imposed on ' branch banking by the banking laws la many states, the report says that observation does' not wholly confirm this theory since' chain banking Is prevalent in some s'tates where vir-tually no restriction is Imposed on branch banking, as well as in those where the establishment ot branch banks Is prohibited. It adds: The Question of Branch Banking "However the facts do show that banking laws have been a factor in some cases, and probably In some sections, In the spread of chain banking. Instances have come to our attention where expansion along chain bank lines has beea carried out by state banks whdBe expansion along branch bank lines was stopped by the passing of state laws prohibiting fur-ther branches. Yet whether expansion would have been along branch bank lines It the laws had Imposed no bar-riers. It Is Impossible to say. There Is obviously a well developed banking opinion In come sections that the chain bank method brings to outlying banks the strength of a big organization without depriving them of their local individuality and sympa-thies. Ia view of the mixed factors noted, we feel It is unsafe to general-ize as to what bearing branch banking laws have en chain developments. "Tbe recent era of rapid chain bank developments has found-- specific re-flection in some state legislative ac-tion tending to restrict or control chain er group banking. Also we find a sharp difference et opinion among state bank commissioners who have expressed their sentiments regarding chain banking." Ia a foreword to the report. Issued la booklet form by the association at its New York City headquarters, Chairman Hecht says that "the Eco-nomic Policy' Commission does not Intake a stand in advocacy ot or In op--' position to thl new Method of con-centrating banking resources through the affiliation of banks Into groups and eaatae, bat la simply offering as a fact ndlac body: what wa believe is the trst complete aatlonal picture of this rapidly growing movement Sie's Through ui,e ot the snphleitli'iited ulrls In this nel'liburhood declined nn Invtlntlon to a Ionise party yesterday on the icmund "In I s!;e h 'en enprnod often pnoin;li j Ohio Ktnre .lonrnfil ' j Reminderi of Old Rom y The 1'i.i, olne Mil Itonse Ii now e villttk park. He tiieliMllnni tin bi " ..u-eiie- ii v 'lt ml ."' P ' ' ' 4 Hudson Engineers Develop New Windshield . .w- - tor-- - IV ' ' ' , " ', ' ; " ' " J ' " ' - r , ' ! Riding ease a " Uan't Great Eight ii further amplified tlirot gh the we of a new, novtl toggle lever which pei. ' ? retain full control of the car while opening or closing the windshield. The toggle lever hold the . i absolutely rigid in both position t i MODERN EDUCATION REVERSES OLD IDEAS Business Institutes Use the Plan of Getting People to Think Rather Than Merely to Learn There la one general principle at the basis ot all good teaching and It Is that a person learns more readily by assimilating the experiences which he himself encounters than In any other way, says Harold Stonier, Na-tional Educational Director ot the American Institute of Banking. This Institute la the educational section ot the American Bankers Association through which 35,000 bank men and women are receiving scientific instruc-tion In their chosen business. "The most advanced people In teaching today are emphasizing the Importance of activity on the part of the student," he eays. "In the school-room of former days we often heard such phrases as, 'Be still,' 'Learn by heart,' 'Don't do that,' 'What does the book say?' The newer education asks, 'What do you think?,' 'What was your reaction to that experiment?,' 'What did you discover?,' 'What rea-sons have you for your answer?' The New School Calls for Action "Jhe 'expressing, school Is taking the place ot the repressing and lis-tening school. The classroom ie be-coming an open forum, a studio of a place ot mental growth. The modern concepts ot education are personal experimentation, Individual Investigation, critical discussion and creative Tbe pupil really learna only as he is able to assimilate the new meanings ot tacts and principles with his previous ex-periences. Activities therefore con-stitute the pivotal force around which are grouped the new factors in educa-tion. The primary responsibility of the teacher is to furnish a constant stream ot activities which will afford the stimulating urge to mental growth. "Education is a process of experi-encing, and the program ot the instl-- i tuta is ao arranged as to give the greatest opportunity to gain by such experience. Through this we develop the art ot thinking. Thinking has been described as the ability to han-dle experience and to bring It to bear on a problem. Effective thinking arises when we are presented with the choice ot conduct. Our previous experiences become helpful as we marshal them and bring them to bear upon the matter of our choice." The students In the American Insti-tute of Banking by reason of tbe fact that they continue to go on about their employment in banks while taking the banking association's study courses have an opportunity to combine learn-ta-g with practical thinking and action. SCHOOL SAVINGS GROW A total of 4,232.(35 school children artlelpated la school savings banking H the United States during the last aeheel year, depositing $28,672,496 end reJUax ap net savings ot 810,539,928, bringing total bank balances now cred-ited to this movement to above 60 rfHlIon dollars, according to the an-imal report of the Savings Bank divi-sion of the American Bankers Asso-eUtlo- Schools to the number of 15,-l-T are enrolled In the plan. Blood Transfnslam The first transfusion of blood Is sup posed to have been made on Novem-ber 23. 1007, at a meeting of the Royal society In London. For purposes of experiment, the college hired a mar for twenty shillings. A silver tube was used to connect the carotid artery of a sheep with a vein In the man's arm and twelve ounces w-r- e let In, Ash the Blacksmith In the wlcdow of a blacksmith'! ahop Id an Aberdeenshire village a algn la exhibited, rending, "Teeth Chrefolly Extraktt." The dentist U Its the village once a week and ase the smithy as a anrpery. Hov plena tat o reflect that If the dentlrt can julta cope with one's etntibnmpsl V, r, tha blacksmith Is there to lenrt 4I |