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(Copyright, 1916, by W. G. Chapman.) “Here, miss—give him as good as he sent and we'll join in.” A snowball, hard as a rock and spot- ted and lined with frozen dirt and gravel, was pressed into Mina Lay- ton’s daintily gloved hand. The lad who had provided her with this ammunition, together with his comrades, sent a fusilade after the scampish urchin who had missed his mark and landed a snowy sphere across the neck of the passing young lady. The effect was discomfiture, for the loose snow fluttered inside her fur collar. She laughed merrily, however, for that was her sunny way. Then she directed the hard sphere pressed into her hand after the scudding refu- gee. “Awh! don’t you know & girl can’t throw?” yelled a derisive voice. “Indeed, I can!” disputed Mina, and then—‘oh, dear! how clums: She stood rooted in dismay. Her marksmanship had been sadly at fault. ad flung with vim, but her aim had been erratic and— Crash! Past the flying fugitive the snowball had sped. It cleared a high picket fence and, headed for a habitation it inclosed, struck a win- dow pane, burst through it and disap- peared, leaving the discomposed cul- prit dumbed and abashed. The group of urchins, spying a farmer’s bob coming down the street, dispersed in its direction. Mina stood rooted, expecting each moment to see someone come out of the house seek- ing to learn the cause of the destruc- tive bombardment. There was not the least sign of in- terest or occupancy about the house, Got Through the Window Quite Grace- fully. however, and no attention was paid to the crash or damage. Involuntar- ily Mina moved through a gateway and approached the building. A pass- ing, lad, on a keen run from some companions at a distance, made a shield with his hand at his lips to e the warning he uttered “Lookout, haunted !” 5 Mina halted with a little thrill. She glanced a trifle flutteringly and then curiously at the grim-looking place and recalled its recent history. It had been vacant for a ygar, but a few months previous had gained a ten- ant in a certain Victor Russell, an urtist. She had met the gentleman several times, had been introduced to him, but to her, as to all others, he was reserved—rather sad and de- pressed, she fancied, and it was not easy to approach him with more than formal courtesy. Mina had heard that the stranger had some secret care or grief that clanded his life. More than that, he shut himself up absolutely in his home and admfited no visitors. There had been yeporicd mysterious visits of strangers from some other towns—two Indies, a gentleman who suggested a physician. At times for several days a woman was said to have been flitting about the upper rooms, but never in the ground outside. Then one night a village lad pass- ing the place arrived at his home, pale and breathless, with a queer story to relate. He had seen a white-robed figure appear on an outer balcony of the house singing a wierd, curdling strain and a inying the same with wild, frantic gestures to the rising full moon. A man had ap- peared, forcibly bearing her into the house amid her ringing screams. There was a local art society and several times Mr. Russell had lec- tured on. studio work at the request of its director. It was at the rooms of the society that Mina had met him and his statuesque face, classic and clean-cut, had attracted her. He had _ “eturned her greeting when he met her an the street, but nothing more. Mina conquered a natural innate Iread and went nearer to the house and ‘right up to the broken window. miss—that house is met She ventured to glance In and through the window to sev if any further dam- age was done. “Oh, dear!” palpitated Mina and her brow wrinkled in pretty dismay. The snowball had landed against a chandelier after bursting through the pane. The impact had shattered it, so solid was the well-packed sphere. Outspread upon a drawing board di- rectly under the chandelier was a sheet of paper, near to it drawing utensils and water color plaques. There was heat in the house, it was evident, for Mina could see where the particles of grimed snow were melt- ing. In a finsh she realized the condi- tions. Here was possibly some favored | conception of the artist’s fancy in peril of mutilation, possibly destruc- tion, The grime and wet would irre- Pparably damage the sheet. Mina act- ed on a speedy impulse. She ran around to the front door and rang the doorbell frantically several times. No one appeared in answer to her sum- mons, She sped back to the window. “If it will only raise!” she uttered breathlessly and she gave the lower sash a push. To her perfect satisfac- tion it went up easily. Mina utilized a nearby flower box for a platform, got through the window quite grace- fully considering her urgency and reached the table. “Just in time—I am so glad!” Mina uttered fervently to herself, and with the exception of one or two trifling Stains the sheet was unmarred nfter she had swept it clear of the melting snow. Only then did her eyes take in the subject of the almost completed picture—it was a portrait of herself! A strange thrill pervaded her be- ing. The secret interest of Victor Rus- sell in herself somehow stirred her. She was startled from a puzzled rey- erie by a voice at the window. “What's the matter, lady?—a fire? I saw yer climb in—" and a wonder- eyed urchin drew back as Mina pre- cipitately got outside window again. “A snowball broke the window,” she explained, “and I—I was trying to fix things,” and then, literally, she took to her heels, for, in the distance, com- ing down the street, was Victor Rus sell. And the urchin told Victor Russell all he knew, which was enough to en- lighten the interested artist. He was a frank, outspoken man and two di later when he met Mina on the stre he thanked her for her friendly efforts in his behalf. “But it was all my fault,” she con- fessed, aflush with embar nent, He did not allude to the portrait, but after that the ice seemed broken. | He made no attempt at concealing his pleasure whenever they met at the art rooms or on the street. Then one day a girl friend of Mina rudely dispelled the delightful romance that had come | into her life. “Oh, have you heard,” gossiped this innocent but excited tale- rer, “that the woman at Mr. Russell's is his de- mented wife? Think of it—married! She has spent part of her time there and the rest of it with his sister in the city,” and Mina went her way chilled and stricken. “IT am the happiest man in the world!" spoke the voice of gome one hurrying behind her, and then the al- most boyish exuberance of Victor Russell died down as he scanned her blank colorless face. “Ah! I see,” he added, “you have heard something. I understand there is a rumor about that I have a wife. Not that lucky! The lady under comment is the wife of my brother, a war correspondent, just returned. through the!/ She suffered a mental | | shock, which his return has entirely | cured. They are both at the house | and our long, patient care of dear | Evelyn is over and sunlight has come back to us.” And Mina was glad that the poor lady had come back to reason and! happiness, and gladder that Victor Russell was not married, and gladdest of all that she read in his dear eyes | a sure reflex of the love been growing up in her heart since the day of aS stray snowball. that had | | | THE K@FAIRY TALE by MARY GRAHAM BONNER WOODPECKERS’ BAND. “Well,” said Daddy, “what will the story be about this evening?” “Birds,” suggested Nancy. “How does that suit you, asked Daddy. “That will be fine,” said Nick. “All right,” said Daddy. “Here goe: The Woodpecker Family were around on various Trees drumming, drumming on the Bark. Mr, Hairy Woodpecker, Mr. Downy Woodpecker and Mr. Red-Headed Woodpecker were all hard at work. “*‘Let’s start a Band,’ suggested Mr. Hairy Woodpecker. “What's that you say? asked Mr. Red-Headed Woodpecker, who had been so busy at Work that he hadn't heard what Mr. Hairy Woodpecker had suggested. “‘A Band,’ Woodpecker. “What sort of a Band?’ asked Mr. Red-Headed Woodpec “*Yes,’ said Mr. Downy Woodpecker, ‘tell us about it.’ “‘In the first place our Bills not only make splendid Tools for the Work we have to do in the trees, destroying the Bad Insects which would otherwise eat into the Trees and kill them,” said Mr. Hairy Woodpecker, ‘but our Bills would do excellently for beating the Drums in a Band.’ “Where would we get the Drums?’ asked Mr. Red-Headed Woodpecker, “"The Trees, of course, you Silly!’ said Mr. Hairy Woodpecker. “Oh, yes, yes,” said Mr. Red-Headed Woodpec “And Mr. Downy Woodpecker said, ‘Of course, of course. The Trees will be our Drums.’ “*We'll get the other Birds to help us—for a band must have something else besides Drums, continued Mr. Hairy Woodpecker. ‘We'll get the Goldfinches and the Mocking Birds— because they can do almost anything We want them to in the Band. And we'll get the Boboli the Phoebe and Chickadee Families, all of the Warbler and V » families and the Robins, of cou Then I think we'll ask the Oriol the Whippoorwills, the Thrush Family and the Song Spuar- rows.’ “‘Oh,’ said both Mr. Red-Headed Woodpecker and Mr. Downy Wood- pecker, ‘that will make a perfect Band. We will have every kind of a sound you can imagine, and we should have Jots of different sounds in a Band.’ “Grown-Ups don't say sounds,” rected Mr, Hairy Woodpecker ; say instruments.’ “Well, said Mr. Downy Woodpeck- er, ‘we're not Grown-Ups ere Birds, So let's say sounds!’ All right,’ agreed Mr. Hairy Wood- Nick?" repeated Mr. Hairy cor- ‘they “We will ask the Birds at once, won't we? asked Mr. Red-Headed Woodpecker. “*Yes, the sooner we get started the better it will be. We need to have Practice.’ he Woodpeckers beat upon the trees so steadily and so very, very We Want a Bird “Band. HOME SEWING A LOST ART | bard, that all the Birds came flying At a Shirtwaist Ball Only Eight in 1,500 Made Ones They Wore. Proof that home dressmaking Is fast becoming one of the lost arts of feml- ninity was one of the little sidelights that twinkled merrily at the suffrage shirtwaist ball, remarks the Pittsburgh Dispatch. There were almost 3,000 persons in attendance; naturally that meant 1,500 or more women. And of these 1,500 only eight wore shirtwaists which they had made themselves. This was discovered through a prize shirtwalst contest. A prize was award- ed for the most becoming waist worn by a woman at the ball; another prize was given to the woman wearing the most becoming waist made by herself. There were hundreds in the first con- test, but there were only eight in the datter contest. There were many comments on this from the “side lines.” One suffragist took it as a providential answer to that antisuffrage argument which takes into account the dire consequences of taking women out of the homes through enfranchisement. “Eight made by women and the rest probably turned out by a man end a machine,” one suffragist murmured. Industry. “Bliggins says he got on by burning the midnight oil.” “Well, keeping late hours did help him some. He danced all night three or four times a week till finally he a rich girl and married her.” yrom far and near to see what was the fhe Birds who went to the Woods found Mr. Red-Headed Woodpecker still pounding on the old tree he had shosen for his new nest. He liked to work where the bark was soft. Mr. Hairy Woodpecker was working hard in the woods also, and Mr. Downy Woodpecker was digging into an old apple tree—for the Woodpeckers like old trees best. “and Mr. Sapsucker, Mr. Crested Woodpecker and Mr. Flicker Wood- pecker had all joined in beating the Drums! “‘Why are you making so much noise?’ asked the other Birds as they arrived. “We want to have a Band,’ said Mr. Hairy Woodpecker, ‘and we will beat the drums.’ “*Yes,’ said Mr, Red-Headed Wood- pecker, ‘we want to have a Bird Band —the finest ever known.’ “*And just what do you want us to do? asked Mr, Robin Redbreast, who was always eager to help. “*You must all sing.’ “But we all sing so differently,’ sume of them chirped. “‘Oh, sail Mr. Hairy Woodpecker, ‘I never thought about that. But never mina, you can have iittle parts you can sing alone and other choruses where you all sing together. I'm sure it will be a very fihe Band after we have practiesd.’ “Well,” said Robin Redtreast, ‘it the Bird Band isn’t to be the Minest in the land, at least we'll make » Cheerful Noise’ !” CASPER DAILY TRIBUNE DADDY'S EVENING| Makes GOOD CITIZENS |TIME T SAVINGS BANK FULFILLS PUR. POSE OF ITS CREATION. Need of Developing Institution to En able Poor Men to Accumulate Money Long Recognized. The rich were getting richer and the poor were getting poorer a century ago just as it is today. Students and statesmen suddenly came to the reali- zation of the horrors of poverty and the results of concentrating wealth in the hands of the few. This all fol- lowed in the wake of the French revo- lution. A study was made of the primal causes for such a condition. The conclusions reached were that the possession of property by a citizen gave him a certain degree of respect toward the property belonging to oth- ers, ranking him generally as a peace ful, contented, and happy—because prosperous—citizen, a unit of power and strength to the commonwealth Thus the germ of the idea of the say- ings bank fell upon fertile fleld. Many plans for savings were con ceived, some practical and others visionary. It remained, however, for Rev. Henry Duncan of Dumbriesshire, Scotland, to hit upon the first practical scheme for a savings bank and to put it into execution. This first savings bank, organized in 1810, was after- wards merged into what is today the Ediaburgh Sacings bank, one cf the foremost savings banks in Britain. The idea spread throughout Europe, and soon came across the At- lantic. Simultaneously in Boston, New York and in Philadelphia copies of a pamphlet fell into the hands of prominent citizens. It was the plan of a savings bank then being formed in London, The first meeting to organize a sav- irgs bank was held in New York city. The first bank to be incorporated was in Boston and Philadelphia holds the honor of opening the first savings ac- count In the United States on Decem- ber 2, 1816, As in religion, so it is in the field of savings banking. Certain promi nent citizens believed that the habit of thrift could be more successfully inoculated through systematic pay ments for home ownership and the building and loan associations and suav- ings and loan associations were cre- ated. It was not long before the peo- ple saw the advantage of laying a little aside for a rainy day, which necessitated the establishment of more banks for savings. Up until this time the mutual type of savings bank predominated. ‘This type of bank had no capital stock and was fundamentally a philanthropic, not charitable, institution, based upon the object of encouraging thrift. The second type of bank for savings was more of a business bank and was called a capital stock savings bank It supplied the need. Money deposited with it was just as safe as with the mutual type. 9 few years thereafter the ordinary commercial banks, which include the national banks, state banks and trust companies, opened up savings departments, so that the peo- ple had no cause to complain that there were not convenient places to put their savings, Today each one of these agencies of thrift is actively en- couraging the people to save and con- serve so that this will be a nation of happy and prosperous citizens. SWISS ARE BIGGEST SAVERS More Than Half of the People Are Pa- trons of Savings Banks With De- posits of $86.46 Per Capita. Banking in Switzerland is remark. able for the great confidence of the people in savings banks. The extent to which this form of banking has been developed in the country since 1732 and tho uniform success en- joyed by Switzerland’s bankers gen erally is little short of marvelous, The total savings of the Swiss peo ple in 1910 was Frs. 1,596,975,114 ($308,. 216,197), which sum has increased to Frs. 1,923,663,043 ($371,247,667) in 1913. Ip 1908 there were 1,047 sav- ings banks and 2,025,491 pass books. The population at the time was 3,647,- 479. ‘Thus, more than half of the population had savings accounts with the banks and kindred institutions of the country. The word confidence doubtless explains much of Swiss banking success. It is confidence in the banking institutions that banished to the limbo of lost things, the stock- ing, the mattress and the home strong- box as the repositories of the Swiss people, three elements that have long been the bane of the banker the world over. The saving genius of the peo- ple snd their thrift is the other expla nation. Switzerland has the proud distinc tion of being the richest country in the world in the savings bank sense. While the Dane, German, Norwegian, and American can only show $75.46, $56.15, 52.11, and $42.46 in deposits respectively, per unit of population, the people of Switzerland show $86.46 in such deposits. ‘There is one savings institution in Switzerland which has as a feature of its organization a department to al- leviate the consequences of unem- ployment, illness, or death, which, be- cause of its originality and success, warrants attention. ii is an adjunct of the Swiss Mercantile society, which was organized in 1873. The member- ship of this society Is 23,819, but only 256 members belong to the unemploy- ment savings department. Great | (0 GO SLOW CONGRESS SHOULD NOT NOW AT: TEMPT TOO MUCH, At the Short Session Any Substantial Program Outside the Routine Would Probably Not Receive Proper Consideration. What, outside the routine, will be at- tempted, and what can be accom- plished, at the short session? The al- lowance of time is three months. The routine is important, having to de with providing for the support of the government for a year, Uncle Sam's tulls Just now are much larger than ever before; and while money is abun- dant it should not be wasted. Hence the care which should be given to the preparation of the big supply bills. Sull, there is talk about a substan- (al program outside the routine. items have been mentioned: gration reform, a corrupt practices law, further to limit political cam- peign expenditures, conservation and water power legislation, revision of the laws uffecting railroads, a voca- onal education law, a law to permit organization of collective — selling,| agencies in foreign countries.” Here would be work enough for three months, and even longer, with nothing to interfere. Immigration re- form is in Itself a mighty problem, and presents difficulties reaching be- yond ordinary party division. The same Is true of water-power questions, railroad questions and the authoriza- tion of “collective selling agencies in foreign countries.” In this last- named proposition are involved some features of the trust question—a ques- tion about which the country Las been |in a wrangle for years. The argument in favor of action on these matters the coming winter Is that Democratic control is complete in the present congress, and the presl- dent's control of congress complete. Make hay while the sun shines. Leave nothing to a situation which in the next congress may be full of stumbling blocks for the Democracy. ‘The pres- ident has just been indorsed at the polls, Let him have his way while the way is clear before him, But while the president was in- dorsed, his party, strictly speaking, was not. The Republicans reduced the Democratic majority in the senate, and, as at present appears, wiped It out In the house. The recent verdict, so far as congress is concerned, was, therefore, divided, and the division should be taken into account what- ever is to be done with congress par- ticipating. Ultimate Tom. The Hon. Thomas R. Marshall of In- diana and Washington has tackled the high cost of living and solved its problems. He will abolish the middle- man, dMsolve the stute-created corpo- rations and move the populatiop from New York to the Arizona lettuce fields and the Georgia peach orchards. To another the difficulties in the way of such a readjustment of affairs might be discouraging; not so to Mr. Mar shall: “For the government Is che aource of ultimate power, and it can act and will act.” The vice president is too modest. Knowledge is power; he is the prin- cipal reservoir of knowledge. From hi?m, more ultimate than the ultimate Itself, the all-saving might of all gov- ernments consequently derives; how blessed the nation that has him unin- terruptedly on tap.—New York Sun, Mr. Lane’s Silence. President Wilson tn his address to congress said that he would leave to the several heads of thé’ executive department the elaboration of the de- tailed needs of the public service. The report of Franklin K. Lane, secretary of the interior, was made public 48 hours after Mr. Wilson addressed con- gress. We search It vainly for any definite constructive suggestions on the subject of conservation of some of the country’s natural resources, which it seems to be the desire of some Demo- cratic gentlemen in congress to give away. Patriotism Sure to Win. Patriotism has always been with the Republican party and It Is with that party today. Patriotism will ultimate- ly prevail. For the Democrats can no more grapple with the living issues of the times to the satisfaction of the nation than they have beeri able to grapple with these issues during the years of the war that have passed into history. Altogether a Different Thing. Speaker Clark is in favor of abolish- ing the Congressional Record, the roll calls and the public galleries, but says nothing about the mileage graft. Only the Laws Are Needed. Now watch congress wipe out the high cost of living by passing bills for- bidding its existence. Long-Suffering Business. Business is long suffering and won- derfully patient; but when it becomes too weary of the amateur interference from Washington it will make iself heard, and those who are pestering it will be making apologies instead of at- tacks.—Philadelphin Public Ledger. Just the Difference. Whereas the Democrats believe in tuxing Americans, Republicans believe in putting the tariff on Europe and iving bome industry a chance. DAIRY FACTS KICKING COW EASILY CURED COW EASILY CURED Three Different Methods Suggested for Treatment of Unruly Animal by Kansas Expert. (By LESLIE ROSS, Kansas Experiment Station.) Care and patience will do much to cure the kicking cow. The kicking cow is easily cured by the proper methods. To cure the of- fending animal take a rope with a loop in one end of it or a trunk strap and pass it around the body of the cow, Draw it tight. The cow usually will jump a little at first, but when she finds she cannot get out of the rope she will stand—and cannot kick, This method once in a while causes the cow to give bloody milk. If this happens place the rope or strap be- hind the udder and draw it up in the same manner. With some cows this cannot be done because of the shape of the udder. Another method is to hobble the cow by passing the rope around each leg behind the udder, and tying just above the hocks. This is, however, rather dangerous for the man tying the rope. After the pre- ventive measure has been repeated a few times the cow will stand readily to be milked. WARTS MAY BE TROUBLESOME They May Be Entirely Removed by Smearing Them Thickly With Un- adulterated Olive Oil. Warts on the teats are often trouble- some in milking, besides adding to the danger of increasing the possibility of contaminating the milk through infec- tious material which may be found on them, They may be greatly benefited or entirely removed by smearing them thickly with pure olive oll. If they are large, and still persist despite this treatment, they may be cut off with a sharp pair of scissors, and the spot touched with a stick of caustic potash. They may be oiled now, and the austic potash treatment repeated as often as necessary to prevent their re- newed growth. HOLSTEIN BREED IS FAVORED They Are Best Able to Rough It Where Roughage Is Plenty and Grain Feeds Are Scarce. Every dairy breed of cows has cer- tain advantages und for this reason no “best* breed” can be named because conditions vary even in the same state. But for a region where roughness is High Producing Holstein. plenty and where grain feeds are liable to be searce Holsteins are preferred because they are best able of all the dairy breeds to “rough it.” In localities where hay is costly and fodder scarce the smaller dairy breeds would be preferable to the Holstein, DAIRY Nores Poor cows are never clean. ef @ No dairy was ever too clean, © @...% The cows should have a chance to go to shelter now when they naturally seek it. 2 @ A thorough chilling now will dis- qualify a herd for profit during the whole winter. se @ The breeding bull always represents half the vaine of the breeding power of the herd if it is desired to grow calves for the dairy. . Calves intended for the dairy should not be made fat as veals, and they should not be allowed to become stunt- ed, They should be thrifty and grow- ing All the time. than half the he 1s richly bred, every heifer inherits from him d butter traits. ;