Chicago Daily Tribune Newspaper, September 10, 1880, Page 6

FIRE-INSURANCE, Second Day’s Proceedings of the Underwriters’ Association. An Interesting Essay on Incen- diarism and the Causes Therefor, The Value of Precedents in American Underwriting Dis- cussed at Length Vice-President Heald’s.Interesting: Annual Address to the Association. The Paper of Mr. Dargan, of Texas, the Victorious Es- An EdifyIng Essay on (Glucose Facto- ries and Thelr Special Offered for the Next Meeting— Eleotion of Officers and Ad- MORNING SESSION. DISTINGUISHED VISITORS AND NEW MBS The second day's session of the cleventl annual ineetIng of the Fire Underwriters’ Association of the Nortliwest opened yester- day morning at 10 o'clock in the Indles* ordinary of the Grand Pacliie, Presitent Vice-President Waters Introduced to the Association two newly-urrived guests In the persons of Ine suranee Commissioners Wright, of Ublo, and ¥Fineh, of Jnitiana, who were appropriately welcomed and Invited to make themselves at A. A, Karsten, Special Agent of the Contl- stalof New York; John a. Delaney, Jt, iM of the Bowery Fire-Lisuranes Vompuny, New York; J. CU. Griiliths, State of the Mame Reynolds, Speetat Agent uf tho Home of New York; EA. Hough, Jackson, Mich, State Agent of tho Instranee Company; Roode, Chleago, Manager Clinton Fire-Ln- and TW, CG. Cleveland, Roek Island, Special Agent of the Norwich Union, were elected members of tl Suranee Company; George W. Mayes. the indefatiguble wne)e with the unatt mous vote of thd Association, allowed 8200 for servlves during the past year, . Mr. ILE. Palmer, of Plittsmouth, Neb, read a rather interesting paper on the sub- reviewlng at Jen, y, Was, In nevar Incendiatism, the incentives to incendlarism, 2 ing the methods whieh experience had sug ested for Miscoyering fraud of ils sort, he natural tendeney of the insured was to exnggeraty his loss, and this must bo borne In anind, aud not construed ‘in given cise as o necessary evidence of incendlarisn. Fizures showed that 3s were enused by ine mentary on the efficiency of the laws and the morals of the comuunll considerable length surance, the author of the gamer taak tho round that tho only remedy for the twin evils of hycendiarism and over-insur- ance was coBperative action on th the Insurance compantes thomselves, makin: + the *three-fourtls ehutse” a condition 0: Heies, and endeavoring to bring about ealthy publle sentiment and tho enact inent by’ State Legistutures of sound and wise Inwson the subject of Incendinrism, and the enforcoment of the same. OVEIGINSURANCE. Mr. J. O. Wilson referred at longth to Mr. Cornellus Walford’s paper, rend the day ve- fore, remarking that the evil which valued policies sought to prevent 200 years azo, in- stend of bolng prevented by modern legisia- tlon, was on tha Increase, the wordhuz of the ern polivy—even though a “valued” one—iund the construction apt to ba put upen it, slinply plueing o premium on over-insur- I. Cunningham Secretary of the ‘alia ‘Ensuranes Company, further dis- The valued-poliey er cent of tho fires arisin,—a sud coi- After dwelllng 1 evils of over-ln- cussed the sine subject. Jaw was already fn foree in Wisconsin, Ohio, aint Missouri, and “on the half-shell 4 community for Mis aetlon, tho same obnoxious law would have been vlaceit on tho statute-bnoks of Rew York. ‘The speaker dwelt at soe Tength on the swhject of burdensome and un friendly legistution, and remarked that it was ilgh time tor the Assuciitlon to tike & united stand in the matter, partiewlarly as the various, Stato Legislutures were soon to te fact that Mr. V atken tho pains to write upon it at Mununtentlon nerass e-workers of Aimer- this the and send hha e the water to the Instr fen, and, fa the speaker's oplalan, it was the e subject lo which tho Assuciation should 3 fullest attention. J. 13, Mall, President of tha Home In- of Columbus, O,, readan on the * Vatuo of Prececants in Atiors eau Kire Underwriting.” Were not always to be relied ape mained a general truth that the course was guldod by the teachings of axpe- and who'kept breast with the prog: the day In tho business of Ire under- writing, was, of all men, mors likely to su coed Unit one who did not follow thiscanrse, The precedents seb While nrecodonts the National Boari, would, If lived up to, hava saved ti the way of logses,. and hard, pointed Messrs. E, Fy Thomas Underwood, of AS. Blackwelder, oF Gleam of Alitwaukeos iS, a Martha Colilns, of 5 Castlem&a,. of ‘Trumbull, of 5 fo = of Phittsmouth, Neb, s souisville, and Van, a commiltes ta ne ve Comunittes for tho onsn seasion was concluded on tha + DD. A, Heat, Second Vice the Home Insurance Compan ‘ark,—one of tho longnst-hended underwriters In the wholo country, and, Ine deed, in the world,—of the ANNUAL ADUISS ‘TO THE ASSOOIATION, mninent feature of the inceting, Its was: recelved with the most. pro- Jiounced evidences of favor, andan upprecta- ton commensurate with Ite high value, * leat begun by saying tint to Min thesu annual assemblages wore full of 1 and promise to tie great business of tire uns derwritiig, ‘Lurning aside trom the practient, details and great questions of the business, which for ten years had recelved such vlad: orate nnd lucld treatment at thelr hands 13 to command the why attention and approval of the profession, hho invitod thelr attention, to a few suggestions on a theme which dault tor a long tie addressed Hself to hls judge nent as well as his fancy and slaved no ife—" ire Underwriting | a8 Profession.” Not imany years aiiev the turn wafession was, i the nig, Hnilted to those cal a tearued education, as those of but: the enormous increase wocatlons of life, anil Uo development of OUSeQuENY Upon bupdlne understand. lugs In lite requiring Unfoltlng: and Die wonderful dls- coverles of sctonce during tho present con- tury, bad forced men tuto specialties require dig a greater ar lesser de technical knowledge, and vue educytion, so that searly all tho Igher branches uf huxiness had by common vonsent come to be regarded us within the defuition of a profession, requiring a learned It was a fact worthy of iu puble estimation it matters litte Whether this educutlon ene from our cule eg and sclentitic schoaly, ly studied practical war! ings of thy occupation ty called, provided uly that the education so obtained be of such full and accurate char- ueter us toqualify them for the proper «hs. gbargy of Wels duties, wad the attulument of ree af aclentitic, ainora thorough or from the cares ings and teach: A high degree of execlience in thelr calling, whatever that might be. TO CLAIM FOI THEIR RUSINESS the honors of n profession, they must be pre- pared to'inquire into the duties, obligations, aml demands ft imposed, and so qualify them- selves us to become, by was of anendinent, n help and ormament thoreunto,-A candidate for Its honors had wo ensy task befute hin. hore was no royal highway to aiccess, Faithful study, honest tabor, palnstakin, service, Lhorough mastery of detills, it fae a fulland complete education tn nearly all the departments of business-life was abso- Iutely essentlal to success. Knowledge was to be obtained and wisdom sought out with diligence and watehtul eare, and from ever: avatlable source; from the Uronphts of their fellow-workers; from the well-consitered papers: prepared from year to year for mevt- nics such is this; from the experience of the wisest and ablest men tu the professlon; from the records ‘of tho past; from the events of the present. and the changes congingily; taking “place in the | cun- alltuent ‘conditions of the . business, consequent upon the tiscoverivs of science ant the Inventions of genlis, ‘These changes were so dangerous and iistdlous in. charac: ter, and Inu come in nponeddient so rapidly, that he must be well mounted who would win the race or leap the edges that barred the way to suecess, ‘The ‘Temply of Honor had no room for those who thronged her portals without foreing her gates and leave ing traces of thelr stay within her walls, Entering the profession, they show do so with ant unalterable purpose to deserve and command fits honors, beginning with first yriieinles and inastering all its details, Vrain the primary school of tha local age nnd come the speejal and State agents, the greatarm and tndissensable tich! foree tnon which so much depended, and from whieh should come the future oficers and managers of companies, Exueated, practien) talent, speelatly tralned for the work, was now more than ever the demund of the business and the prerequlsit condition of su . Phe lust twenty years had so fnerensed the volume of business to bo done, ant so nided to the clements of hazard to be provided uzainst, that no calling or pre fession In life, excepting dint of the liuvy, made greater, more yaried and erltieat mands for full, accurate, and universal ueationn It had no place for lenoraues or Imbecllliy. ‘The time hind passed when it could bs used as annsylim for the anfor- tunate, or a sinecure for old age, however dleservinis, could only be attained by educated energy and treless vigilinee, coupled with, an intimate practical knowl edge of the Yeonditions ard vonstituents of the business Itself. New elements of danger were yearly hutroduced Into nearly all elagses oftisks; rudienl fonovations upon old and well settled principles of aetlon were coming In Hke a flood; legishati retments were seeking ta change the wholg theory of In: surance trom that of indemnity to one of profit, State interferenes with ‘the ished forms of contract would take away aul freedom of contract, and then deny, the tent of appent to the Natlonat Courts for re- dress, o THE INSANE RUSIT for hastily-acquired riches was increasing tha moral hazard to an alarming extent, and drag. sciyjy ten Ets allay tradl Crone ter trade, fraud in elalins, and urson itself; and even the fudicl- ary, be It respectfully sald, needed enlight- aninent oftentimes as to the first elements of Insurance Inw and, the principles governing apnortionments of loss under condidions of contribution,—s need made sadly apparent by yoine fate decisions of the highest courts, which have astonished and confused alike the Bench and the Bar, ‘These, wnd @ hun- dred others of nore or less importance, wero to_be studied, opposed, resisted, or their evil effects averted by intelligence and skill of the hichest order, It could uo longer be sald that there was no room for eduented tnbl- thon In the insuranes profession, or that a calling requiring the exercise of sueh high whilities was not worthy of being tneluded ntnong the learned professions as ane which opened up to young men of talent the high- est and noblest possibilities, Mr. Heald referred to some of the many things of a practical nature to be Jearned in the priinary school referred to, and to some of the more udvanced studies of the higher positions of professlonal Ife. Speaking of tho local agent, he referred to the {mportanee of the negutive aspect of the bustness, Its whole fabric resting Lites the bread and Hate fountations Inld for it by the loval agent In the Jnspection, selection, and acceptance of risks, Honest tnauiry, judicious care, ace etirata forecast of probabilltes, and a full kiowledge of the physieal, moral, and dnasi- cial cements Involved in each risit was nb- solutely essentin! to stiecess, and marked the faithful agent, while it crowned lin with abundant rewards. Luck should hive no place in the vocabulary of a local agent. THE KAWMARKB OF. DANGER were moro fainilinr to him than to thoso who supervised the great aggregite of the busl- nese, and should, of necessity, recelye tho most Vigllant serutiny and Investigation. ‘Che moral and fisanelinl hazard wos so vital a factor In the business that a: focal agent was without oxcuse If he overlooked tt. Aga! he must, secure the confidence of his vieln age, both for litmself and itsenmn patty Old- fashioned, plodding honesty and hard work wis sure to win the day, ng against the dash. ing, unprineipled activity that often seer foran hour to bear away tho palin of vi tory. ‘Thora was nothing traly gained which was obtained nt the expense of truth or prin- ciple, Ue must be content ta create his business, develop It oftentines by stow and Jaborlous processes, Ie must crow with its grawth, and be so thoroughly In sympathy. with its expansion ag to answer and meet Ine telligently Mts Jnerouslng demands upon his experlence and knowledge, | ‘Chis contidence and experience once obtained, the process wns one of accinulition from year to year unt! position and fortune Is scented, Theso goneral remarks shoukl also guide those belonging to the special and field foree, —all those who were In any form brought into Inthnate retations with local agents, If was preiminently true In their ense, that “the next best thing to Inying up knowlodgu isto ba able to tay it out.” A good special was not made from, poor material, neither was he the work of aday. Ils growth tn progress wis slow, often disenurmeing, al- ways laborious, Ie must be ever learnty, over on the alert for somo unknown danger, and always awnke to those that were kiywown, ‘Phere was hardly atrade, fudlustry, art, or invention with whieh ho should not be fumil- inr, at least so, far os to be able to estimate correctly {ts inherent olements of dinar and its relation to hia dally work, ‘The chan, in mode af manufuctire were to be noted, and the new dangers Involved, fetl, counteracted, or nvoided. ‘Sho snbtletles: of trade, its adulterations, frauds, and avil practices, were to be sur open seerct to him. A thousand inventions more or less pregnant with danger were to be nn derstood, and thelr hazards pointed out, Art, science, arelitecture, trade, manufactiies, eommerce, nnd the genora) conditions of the industries of tho vamntry, so far as they re- Inted to tho profession, Were to be as Caniiar as household words, In art, ho should bo able to Judge correctly of the Inherent dans mers of the studig and workshop, as well of ha PIICELESS YRODUCTIONS OP SKULG AND GENIUS. Tn sefonce, he must. becone wequalnted with the now cloments of danger, nat aunty of the laboratory Itself, but with the legion of subtle componnds which chemistry had introduced Into eyery ayouution of life, from the kitehen to tho highest formsot manufacturing Inds. ep Jn arehitecture, he must know tho valy of matorlals, the modes and costal constr Hon, tha adaptation and safety of structure und a score of details which lniinence necepyt- aneo of risks, ar furnish the data: for adjust ments, In fuet, he must be able to estiinute accurately the eoxt.and yalue of all kinds of structures, front, the sehanl-honsy to the cathodval, from the biacksmith-shop to the rolling-mill, fron the corn-erlb to the prll- ‘nee, In thadde, Its ways that were dark, its auidden dangers, and Its fnanelal hazards were be to‘hlin no unfamiliar sequalnt- ‘ance, Ty Hanutnctures every year developed now peril Si tho atfurts made to cheapon gost of production,'by, Slultertion, by the uso of less expensive bubnore dangerons innterials, by new processes of treatment, donbttul Ine ventions, and a hunstred secret. sources of toss, which In time a}serted thelr truo ehur- acter with disastrous frequency. fn com: merco they encountered a certain unknown, eloment, which burned ships In mid-ocean,: or destroyed them at tho ypry realization of their voyage uf the wharves, while the doan- celal condition of the industries of the’ coun: try at wellenigh stated periods of depression and panie bore teatiueny ta the lamentable fact that they lind dangers to face which the most careful atudy and tho greatear shill could not fathain, ind uzainst jynloh enution and prudence were powerlesay orat least enn give but partial protootidne "A most vital point was this, and ono which involved re- sults of ALMOST INCALCULADLE MAGNITUDE, for herein lay. the moral fazard.) Upan all thosy the soundest fuel ment was to be brought tg bear, und thy future forecast with alivost prophetic ken, before the demands made upon thelr patience, fidelity, and skill shanld have been answered, and the highest excellence oben ty thom iy thy profeayion of THE CHICAGO <I BU Se bndensriting would be said rightfully and deservedly to belong to thom. ‘Th’ great text-book of experioncy was to be thoroughly mustered, Its teachings, when, made thelr own, And adapted to thelr practical avery-day: work, should be followed with energy tem- pered with pruterice, boldness without temerity, aud a zeal according to knowled: Haw they were totearn, and how adapt, f knowledge thug obtained to thelr practical duties, formed. the malt object of all such gathe Inge . ‘Tho addtess noxt referrer to the dificn!- fies to bo encomnierey Apeithe probienis to be solved, ‘To consthuct the arent: table of avernge was nn ensy task in itself, but they wero tet at tho outset by a misty factor of gizantte hroportion;, as Mncertalny and athomiess as tha whims and eaprices bf des praved Inunanity Itself. ‘Cho moral linzatd, ner in the form of self-luterest, nancial enibarrassment, or innate wickedness, con: frowted thom with the torch of the Theen- «ary, and rendered: alineat lainosstblo chat which otherwise might be madets certain as tho tables of mortality pulding and con: trolling the practical workings of Jife-insur> ance. “But tho Inmentable fact existed, and would exist until men became better. ONE-HALF ‘THE 1L088E8, in his opluion, were duo to the moral hazard, including the financial hazard. But by Proper observation wnd collation of facts they might confidently expect to ascertain the avernre danger tocome from the moral hazard, ant construct tables of average a3 reliable ns those in uso by the Hfe-insuranee conmpantes. A subject cognate with the moral hazard, and equal In nagnitude if, Indecd, not the great paternal sotites of that hazard itself, Was over-Insurance, whleh for years had been a prolific souree of loss. ‘The great practical dittieulty of the underwriter had been ex. perlenced in his endeavors to maintain a proper relation between insurancennd yasue, Sontrol over this relation had always been rerarded as an indispensable safoguard against fraud and arson. ‘The most stringent conditions In our poll- cles have heen adopted for the sole purpose of retain such control, and of securing at s pecmiary interest on the part of er itt the cure and preservation of the property lusured, With the better class of panies It has formed the thome of ofttelal peclal Instruction to Toval agents for 3, Unt Tittle remains to, be sald that is worstarding, Yet inthe free of all that has been sald and written ou thig subject, so xreat hus been the competition in- business, thut the custom of definitly Ihniting the tote of insurance has been disregarded, and the Noodsntes of untlinited Insurance fave been opened wide upon us How wantouly this aid Jancdinark of safety has been removed thadnerease of fraud and acson during the past twenty years bears convineing testi- mony. If we coutinne to. place tenptations in the way of the Insured, we have no reason to complali if they return to 1s an abundant harvest of losses of this character, Well would it mye been for our reputation and the proiity af our companies If we had cor- rected “GIs EVI, OF OVEN-INSUNANCE before It ad assumed such proportions as to rovoke the interference of the law, There is 0 a ron tendency even with honest men to tnstre beyondactual value, Tha desire to cover the ultimate possibility of Iogs nay bo and doubtless fy harmless {i ltonest mlnds, but in minds of another elnss the desire bor comes a powerful Incentive to over-insur- anee, ‘The passage of valued-policy Inws is an Ulustratton of. this peculiar P a oC our business, No sooner does a claimant of this sortiind hhnself unable to, collect the full nwastre of the over-insurance he fas suc eveded in procuring, than he secks for spe- celal lealstation compelling the full payment of such over-insnrances and the Inwnukerk, tn bilssful ignorance of tho real character of thelr acts, with singular parudox entitle the new law “An Act to Prevent Over-Insur- anee.’”. ‘They seek to prevent the evil by pro- tecting It, to discourage It by fostering It, to starve It by overfeeding it, AIL such laws offer t guarranty, to dishonesty, a bribe to arson, and Indemnity to perjury, They stimulate and develop the oyils thoy ostensibly assume to prevent, and throw upon the honest polley-helder an Inerense in rates otherwise needless, ‘The insurlng pub- lic do not and never have demanded such lows. ‘There {s not now, and never lias been any reasonnble cause for thelr enactment. They can be traced, tt is believed, In very ease to disappolnted claimants, who, falling to substantiate their glulms in tho courts, have sought special legislation to enforce re- covery at the hands of consclentious and une willlig Judges. Tho nition tii of public morals by these Inws may be slow, the In- crease In losses not alarming at first, but the elfeet will he most pernicious and Inovitable, To at intelligent public sentiment we must Jook for repeat of thase as well as all obnox- lous liws; meanwhile, Wo are to protect our interesta ag best we may by tndividual or combined action, looking more contidently to the former for that safety which we feel we van and ought to command. * . TUN NATURE AND VALUE OF STATISTICS, the legal constritctlon of our contracts, the tutent and seope of the clause for contribu: ton, the tow of apportionment under nous concurrent policies, the general tenor of Judicial interpretation, whither In the f{ght vb expertence we aro drifting under present modes of business, and other subjects of equal magnitude, open a while and profitable field for disenssion aud research, ‘hough the utter of our profession may deny ta tts the circumstances that might ena ble us to nike ourselves great and entitle us to places in lilstory, Jt does open to us tha essentinI elunients et true — greatness, in the extent. of our knowledge, the feeurney of our pereantions, 10 purity of | our, principles, and the earnestness of our doyotion to duty, ‘To any one fall of energy and boldness, honesty and good gense, failure in a profession like this Is impossible. $o wide ure these possiblll- les, and so great ts the demand for educated proficiency, that the tine ts at hand when the areat distinetive branches of our buslticss Will become wiore than ever specialties, and each demand for itself services of n higher order and more thorough culture, ‘Tho time has passed when indulence, self-agsertion, or even respectubla mediocrity can wit a high position. Every consideration that ean title ence man too higher ambition and nobler itt- taluments demands of alla Wyl standard of axeellenve tn busthess tlfe, Lot us, then, draw Mborally and without stint tram the well of that diving enthusiasm, and xo forth with higher alms, stronger purpose, and Ie spiring confidence ta tha day by day’ Javors, duties, and priviliges of our profession, AFTERNOON SESSION, THE VICTORIOUS ESSAY INT, At tho opening of the afternoon session Mr. A. ©, Blodget, of Philadelphia, pro- nounced an eloquent oncamium on Mr, Tleat’s address, and offered a resolution formally returning the Association's thanks thorefor, and providing for tho publication of tho address, not only asa part of the pro- ceudings, but {un paimphigt farm. ‘The resolue tlons wore seconded in brief sneeches by Mr, dnsper M. Dresser, of Latayette, Ind, and Mr. 0. 0, Ming, of the Jnsurance Monter, aud were unanimously adopted, The President gave a bricf history of the Baker prize, offered by Mr, Alfred O. Baker, Prealdent of the Frankiln Flro-lnsurance Compiny of Phlindelphia, This was fol- lowed by sho roport of tho Cumumnittco on = Prizus, composed =f =o number of = Presitenta of ingurance companica awarding the first prize to the essay bearing tho nom de plume “ Hutifax"~whigh was all tho Committoo had to go by, not knowing tho Writer's real name—and dovlaring the four next boat to bu those signed “Capsicum,” * Parsee,” * Nullus Homo," and “ Nugwet.* Consulting the nunio on the soparato cnyolope subinitted ta bim by the suocussful esaayist, tho Prosident found that “Halifax wad nano other than Mr. J, I. Date gan, of Dallas, Tox, General Agint of the Firo Association of Phlludelplia, ‘The announco- ment was reoctved with applause, which was roe doubled when Mr. Dargun, the yiotorious casay= ist, avcepted tha President's invitation aid stuppod forward ta read the document, whtok bad drawn the prize, After oxproqsing bis sure Prise at tho outcome of tho fottwry, ho ane nounced his subjecttobo . °" Tu KVILS THAT orpaee FiRw UNDERWHIT at the prosont time‘ eapcolally hostile teglalas Moa fn Its yoriqus forniy uf adverse statutes une actod by ininthiul Lovtataturog, ignorant of oir rights und not dispogdd to learn truco Justice to~ wards corporations: What must we do iy ints erigia (a protpes puracives? And. by what nothods can we avdompilsh rofarmP! Tho sub- oct was Nrst treated from the income stand- point, Codperation ai eompunics to obtain udequaty ratvs was 24 0 ary us the law of wruvity. Aununl statements: tov: frequently showed losaes, Hh tira bostilo legislation aud tho gfleged menolgéy of other companioy were muio tho seapegoayy When tho ditticulty was due cutirely to thafinadequacy of - rates, The old Nationul Bound Was tho ideal of coperation, ‘but 113 regul away was not calculated to Bult the Indevcudence of Aumericuh underwriters, and 1t FRIDAY, retired and wns euccocded by the various Btato while not by menns perfect, yalunblo nids fa codperntion, grow aud prosper. fn this matter of rates waa staminn, Anothor evil in fire underwriting was the errora nnd mis- fakes In tho home oilico, Jussitte that by, he eailed attention to tho matter of yarylng agency | commissions, aud the linaty eettlement of f still nnothor evil ‘Tho essayist hi word to say for tho local nzunt, w: body too well know, was the here profeasion. It tha author's opinion, tho coms panies weil It to themsclves, thoir tgonts, aud he yruod of tho busincaa generally, to adhere tv tho 15 per pent comminslons, loyés down below that notch, less sefticuont of nssea was strongly depre- ented, and the casnyist thon turned bia attention sfo the ovfs’eaused by Juries, dwelling upon the nlloged was If which insurance companies were ‘ho, as everys rnuetalll of tho nnd not cut the ems ‘Tho busty and aqan on one lite and a pile of money on her, and the man with neult agninat compitis/ alwnys knew envtgh to gota jury of ignorant dnd prejudiced men, who invarinbly founddu tis favor. The dliticulty, of courye, grow: out ofithy careless and tinjust inanner of solect> : did those things botter In tho South. -particularly in the Parish of Orlenue, La,,—where it was possible to sectiro nt mMorohants to try a stilt botween a merebant and y's hostite tegisintion was noxt ila sort of legislation waa lirgely miscriminute feeling on tho wm enpltal and :enpitaliste. unies Invited int npridence of and higeliig a whole cummutitics ajitinge t THE NEAL ROOT OF fnd the true, philosophic caus Jegislation, wos the very native nd relation ex. fsting between tire-insitranco companies apd tholr patrons—the poopie. to monnrehical guvernmont, exacting ull the tributo it coutd get, and giving as little proteus Hon as possible. ‘Tho body of Up to dito might be vlassliied under threy hunds, sit liwe, and Inws interpreting With regutd te the first, the esany Sat recommended tho companies to press for only jor cont on the nek iticome deducting losses und nguney dommis- th regard to reforms In this metter iu genern), there were but two things to be donu,— obtuln a& repeal or moditication of the existing: wwe, or bring about @ diferent sort of policy un mart of the companies themselv oy the Inws were sull tn sores. Lobbying, whe not unfair, but bad become diaveputable frum the character of the inen engaged In tt, Better than lubbying was tho plan of elveting iderwriters tu the seven State Leyislie s, and in this work of self-preservation Mr, Darygun recommended that tho compantes en-* without delay. he aubjeot of Val with a ood deal of ently the come At wns analogous stile lugiviation tax juws, dey ene Kind of tixea—u ued policies was discussed tultness, with a speuiil rece ommendntion thit in cuse of differences be- tween i company and the assured each side have tho right to choose urbitratora, who, Mr. Dargan believed, ought always to be lawyers, — men who wero In tho hibit of settlin; Grent ng were the vyilig of tho tho essnyist did not bettevo eepair hidcome. but that « Dburiness boasting 40 many prominent men in tts ranks must eventually surmanne all tho tif ouities which now apposed ite fact, toa certain deyree this hostile Iexislation night not be an umimixed ovil, since the compa tho storm would stund jhe sicaante oe the a that tho tino o nies whieh weathered them Ww spenkor’s vislon,they woul thelr 200th auntinl statements,—monuments of Mnaneial stability. fn conclusion, Mr. Dargan rather unneccasurily naked Hf it wasn't better to ive fn bopo than die In despalr, The applause which followed seemed to indi. cate that the majority of tho members bolloved in living. . 'Thn Hresident fn {happy speech ntecessful compatitor Mr. Bal 100, Mr. Darga, Agsuclntion wna ential in reply, said that, if the Jed with hls small efusion, ito well sutisiod with the cheek, Mr. George ©. Clarke offered a resolution ex- ressing the gratitude of tho Asaocintion to Mr, ker for hia cordial recognition of the alms of the Agsoulation and bis generous contribution Jnvugirnting the mattor of competitive prizes, and thanking tho menibers of the Committee for thelr labors tn tho matter, adopted unanimously. THE OTHER ESSAYIST. “Mr. Stophon English, of tha Insurance Times. hau something to say about tho value of the in= [Ss alirnney press ns nvugent for molding public opinion and bringing nbout 8 pros hy reforms indicated In the prize Some discusston sprang up ns to of readitgthe “four next best ossiys making known tho numes of thole authors. Tho at promised not to make ¢ the contributors without their permission. ‘That sottied tt with respovt to ‘Tho other two, Mr. Abbuy, of Chicago, Special Arent of tho Contl- and Mr. C, C. Hino, of tho taney in.etating that thoy bad bean musquorading on prper _undor the d names or “Nugget aud * Capsicum” Thoso nnuouncoments were ro- colved with applause, and tho yentiomen’s pn- pers—with thoso of tho two whose names wero not nude known—will vo The resolution was Prealtent Bald ho . known tho names ¢ ‘twwo our of the fot nontal of New York, Monitor, hud no hes! published in tho pro- Tho President next annotnced tho rey the Committev on tho Chien: Four csgilys were submitted and the Committed awardod tho first medal to © Cambridge," who proved to. bo Vi f Cleveland, and the second to with tho recommendation that ull four be printed In the proceedings, do pluine of the othor two cuntestauta woro “Bmillax" and * Ulred Ban.” VICE-PRESIDENT WATERS was recolved with upplause ag he stepned to the fore and proceeded to read bis contribution, whosa subject wis "Tho Best System of Supervise jon, and tho Best Methots of Conveying Con- clusions to the Companies.” Tho casay boro largely on the subject of flold work, and was ovidently interesting to those who had been th Suporvisers, us Mr, Wators looked at tho inatter, wera genorally born, ‘They must possess tuct and good Jud perceptions, energy ahd exper! tess rod-tupelsm in tho matter o! supervising business and conveying conclusions to the companica would not be out Me. Wator' chtof recommendation was ono ig & now departure by which the com- panies’ ngents should be glvan a pecuniary In- ‘Vornat in tho business. At tho conclusion of his address, Mr, Waters wis presented with his medul, and in gponsy to tho remarks of Uriely but cloquontly expressed to, the sociation hls appreciation treasure It ag n memento of one of the pleasint- est incotings In the history of the orgunization, Tho medal reforrad to ts ver: f solid gold, very heavy, ani u tho richest ain) most approprinta The obverse face shows across ita polished gurfice a uroased torch aud pon, beautitully worked and emblematic of tho underwriting profession; with ithe Inseription dyes * Kteventh Mevting, 3! ont, Bf, [Rav."” reverse contains the inscription, * Firo Undor- he Northwest. Pree ho loitwes ae frosted, under this offer, the ornamontns * Axsociation of N.W,," and Homan gol get the Assoclation. 0 son, of Michigun City, 1 tho Giens Falls, who read ond was presented with the socond moailal, ‘pres clscly slinitar to tho first except in the nynjo of pent, “ Thersites” odo n vory hippy. N80. Prealdent announced tho recoipt of a noto from Mr, George ©. Clarke, giving film periniss po thea communication sing La) Aull Nomo,"~one of the Bakor-priza con. 3, , 1. Hedfold, of this city, Juster, rond un ontertalnt and Intercating subject of. cll Agout uf portions of his dasay, aug paper on tho frosh a intiiam, “Tho. Fire ‘The weiter Wud 4 number of samples Lbside bin on a tubl which be ted na be-progroasod for purpo: iustration, ‘Thapnperoponod with w reference to the roedntly-uwakoned Interestin glucose, wig extent of its munylicture. htory wils -JBUxs10 se in Sa oension or, na Ib appeared on tho” ucose Fuctorioh” cor oneebaif that of cano to the joatnifacture ol 0)" the product in tho. United States for the past year or two wis about 800,000,000 pounds, or G00 tone por day, OF tho nite or tun factorica in existence tn. 1870 twa rucd,—a proportion which was simply muy apor treated of iki history of praducthoing less sugur, and std use extendln, ‘he ainogut o' -sailon which they grew, and aro bottor and oso chemical: discovery by KI in Bi3, dod the growth of the yrhicose Jatercut ope. At Presont tha Atteon gtucese tactorivs, Diullt, thy proapnot bus tho’ annul product re ing that ina fow, yuatra would be mbout forty -pounds per capita. Tho peers somO casea wus us . conta per though the {ntorest on tho tnvestmant ddntul, exposes reduced t arestor thin that ju tmost business enterprises wiring equul capital. One item of expenia fuently overlooked,—the geuat waste and tear on buildin 3) Ons case solid oBk th it wot it waa not aud machinery, timbers In a gincoss fav- tory had to be replyced }y eighteen inuntha, the peeullar provessca and materials used in the munufaoture uf glucose baviug rotted them Wo one mauufacturor, the une costoft tupalss wus nearly 20 por cont of the flrat cout of toy business, ‘The spenker desuribed with great Cullnesa tho Process of muking tho readers of ‘Tie lucose.—a subject on which RIDUNE have reountly been enltybtoncd,--and proceeded tow considuration of th uses to whlch the product té putt qianufacturo of sugar, whilet contain, (8 earl: ber cont of glucose, thls product was not unwholesome, manufucture was carefully curcled on. should be sald on its merits, Stuy or General Goyuraman! sirup, wid Contuerioncry, wil cuses, frou i to I m thy author's o| howover, and tha Ousht ty puss a SEPLEMBER 10, 1880—TEN PAGES. ° ; inw prohibiting thoeslo of adulterated goouand | = THE OLD SETTLERS. BLOOD PURIFIE DR. CLARK JOHNSON’S ian Blood § onfuree it. ‘Tho question of fre hazard was thon tnkcn up, In regard to the moral huzanl, it was not aa great at present, sliico most of the glucose works wero muking money, ‘They wore sometimes considered nulatices, however, on Aceount of tho stench which thoy gaye off,—so mich 80, in fuct, that ocensionally on enraged In habltant wos finblo to apply tho match and burn them down. The tneondiary hazard must, thorefore, be taken into consideration, A reasonably good sowernge, however, and care taken In riot lenving foul water standing about, would obviate a goud dont of this oujeance. T™E PUYRTUNTE MAZARD wor grentor, tha Davenpiprt factory, as an thus Trangn, tavhigienited fen te teetion gener= nated by the corn-shellor, and that nt Vincennes having taken Dre from. the spurks of n passing locomotive. Glucose factories were genorally of jmmense proportions, but bad risks for that very renson, A fire breaking out in a roont 180 by 210, supplied with a deatt from windows, doors, and. clovator-shafts, would defy the ox- tngulshing powor of tho Lest fro department in tho wortd. here thera wero cightof thoso rooms, pliled‘one above tho othorin the sumo building, tho danger was of course largely creveed. Most of theso catubiishinents had ftn: Inenso stenm-bollers in the innin bullting, mak= Jug them peculiarly unsafe, despico tho gen- erally juod arrangement of the room@ which werd usally ight and tirgo. Some of the luooso factories, however, wero oriyinally ine ended for othor uses, And, ns na rosit, wore budly arringed, dark, and crowded, Tho corn bheltors wore n source of grout risk, though most of tho factories now bought their corn already shelled, Kina containing retorts, now ured in all tho — fnetories, wero the: chief = physical hazard, These, in tho author's opinion, should bo outside the main building, entirely cut off, and, whorever used, their Kurroundings should be made entirely o brick, stone, fron, or other Incombiustibio mites They Hold Their Annual Picnic, , ‘and Have a Good Time, List of tho Veterans—The Prizes Awarded—Remarks by Mayor Harrison and Othera, The sixth annual plonto of tho Old Settlors of Chicago was a aucceas. It occurred yosterday at Ogidon's Grove, was under tho attspices of tho Chicago Turn-Gemelnde, and was attended by not loaa than 9,000 people, Music, dancing, cheap lottories, Chincso Insterns, paper balloons, rifle- Practice, spocch-munking, and layor-beer drink- ing wero tho fonturea of the affair, but the most interesting ciroumstanco tn con- nection with the -plonio wos tho col- lection of inany people .whose faces ora familiar ft Chiengo, They are oli setucra, who got tugathor as often as thoy can and never seem to tire of the reminiscences, Which include the Indlans, tho svldlors, and tho record of early Chicago, i AMONG THE BARLEY SETTLERS ON THR GROUND yestorday wore tho following, Appenided ls tho duto of tholr advent: 0, P. Hinds, 40; Heury E, Taylor, '61; Charles Kellerman, 47; Franz Mowy, ‘47; George Holaloin, 46; Hedmond Sheridan, '6$; Christian Seblmmels, "45; Nickolaua Jackson, Henry Best, 48) Samuel A. Filia, ‘40; John Rholn- wald, ‘51; BD. F, Robinson, '60; Goorge rink These kilnd wero much more dangerous | Freldenborg, ‘G4; Philp Kastlor, Samuol E. than those in the malt-house, since thoirhent yler, 40; = was much grentor. the retorts ‘and the bone tn Hyler, 40; John dt ¥pa Oxdal, loeoph Hen richs, "48; John 8, Helmuth, 40; Nickolaus Rollinwing, 47; William Wayman, ‘45; John Koch, *48; Fredorick Mick, '40; C, M. Wheolor, ‘ug: Loren, Schmidz, ‘46; 'G. 1. Wagenborger, E. IL Castlo, '30'Phillips Lamb, ‘60; Fred- thom being snmetines subjected to a white heat. Aguln, tho handling nud stornge of the hone chnarconl after it wis burned wasn gront source of danger. It was commonly supposed to be cooled before being put into the titers, but it was frequently toa hot to hold | erick Bolimus, 40: Superintendent of Police In tho Ant, ard occasionally oven red-hot. | Simon O'Donnell, 40; Mayor Carter H. Harrison, There was danger of spontancous combustion } ‘65; Capt. Willian jarigte, 62; Chirles H. oven when it was oul, No wood should evor bo | Milt eph M,.S8pahn,'433 0. 8pahn, Bu; bre nilowed to como in contact with it, and it shoutd | Diore! juseph Werden, iy ie atuel et yi rn i ‘ " ., Balkeryn’40; Chrin- tian Totz, "61: &. af, Donnts, st; A; HL. ‘Toskel, "Ws Lorentz Waltpr, 48; 4. GQ. Bout, 4 roll, ‘ors Lindy "fs cote B. Bbeling, rel Gokler, “41;' Theodore Bosse Ponnelly, ‘bh; 8. W. Kraut ‘be stored on a brick or earth Hoor, and all tho tovle and barrows used in handling ft should be of iron, Tho use of keroseno tamps iu’ glucose fuctorics was ulso a proliile source of dunger, and the neo of uciis sumowhat inorensed the hazard, although most of thom would ih ha Ws Ve Cire “4t: Heln- 30, ‘48; Bryan 5 Thoms Huck- fire it’ poured upon it. ‘The danger was, Poter. Fred W. Gund, over, thit thoy might combine with dry starch | ‘5! W. B. Gray, 8. Beech, ‘ss; and other substances used ane foods a vio- | Henry A in, J Tent explosive conipound. ‘The fuct that most | ‘50; “Fred t of the processes in the manufacture were of the | 48; Jobu Werner, '60; Louis Haas, "87; August wet character was favorable to sutety, althourh, Fuchs, 46; 8. Lower B83 Phil Conloy, "40; Al- frod Booth, '48; A. H. Blackall, °40; M, Pettl, 48; GB, Bender, 47; John Morich, G. H,'Tricko, "th; A.C, Pisoher, 47; John #, Dong, 47} Vale enting Kellor, 46: M, Dunen, ‘43: John Richard- aon, ‘G1; Poter Newell John Kubt, 387; Pitul ‘Trimper, ‘A; tho Hon. Jamos Lane, ‘dh; Lhomas Launtry, “44; Lorenz Bucr, 40; Jobann iim, 445 Jobu MeArthur, 40; August Mtiniwat I ‘si; Jon McAuley, "41; John G. Kripter, . Grint, 40; Michuel Ludwig, ‘47; M Porter, '46; Corlatupnor Gebrke, *40; fek Schnotder, "4¥; | Abner ' Suttor, — "42: Joseph Aldyoner, 47; Christ Mecker, '46; Will-* Jam Curnoy, 42; Matt, Schuulo, 44; Churics Gol- is, ‘40: A. F. Bradoy. | 3 Eugens McCarthy, "455 It. Hitchcock, '40; Jacob Webor, ‘61. One indy Present seemed to attract some attention. Her name is Mra, Cynthia Cooney, Sho was a daugh- ter of Alexander Robinaon, the Chief of tho Fot- tawutomics. Mra. Coonoy wus edicatod at the Morcy Conyent, and reaides in this city. Auinteresting fonture was the AWAMDING OF MEDALS, to the following named peaplo for tho qualifica- tions specitled: As the oldest reeorded voluo- teer fireman, Honry Gockler, 6¢ Sborman street; ns tho oldest American soldicr, Auguat Fuchs, 204 ‘Twonty-sixth streot (1810, Mexican arin: f8 tho oldest constunt subscriber to an existing dally German newspaper, — Itudolph Webrl, 455 Michigan ayonue, and Jee Hoenricha, 160 South Peorlu atrect. These gentlemen had been subscribers to tho Staata-Zeitung siuco 1818, : Tho oldest constant subscriber to an ox- isting dally English paper was 8, B. Cobb, 2101 Prairio avenue, who hud taken the Brening Journal since 18, Tho heavicat mulo settlor was fount to bo Fritz Busse, of Hydo Park, who kicked tha beam at KH pounds, and the heaviest fomnlo wna Mrs, Therewa ohtor, 67% Lurrabeo atrect, who weighed 263 pounds, ‘Whon tho afternoon was far advanced BPERON-MAKING begnn. ‘The firat orator was Franz Lackner, who. spoke In German, and mado a very pleusant od- PCS8, Sir. Z Eastman followed, Ho spoke in En- glish, ond .bis apoech was strictly historicil, touching upon the Bypuinont, points in the growth of the City of Chicago. Ho said the first settler that camo to Chicago was, as be wis called, Jobn the Baptist. In 1708 ne came from tho Wost Indin Jalands, and pitched his cabin on iy the author's opinion, the present rates of in- Rurdnee were entirely too low, considering the yarlous olemonts of danger Involved, NONE PRIZES. ‘The address -was received with very evident favor, At Itsconclusion Mr. George C. Clurke froge and anounced that Mr, J. B. Hall, Presl- dont of the Home of Columbts, had offered through bimn prize of $5 for tho essay just rea. Mr. Hall wasn very modest man, or ho would make tho announcement himself. In Mr. Hall's opinion, there was no reagan why a prize Bhould nat bo offered and paid for an essay after it inn read ne wellas before, [Applause aud laughter, Mr. Nicholas Miller, Presidont of tho Star In- stinince Company of Mow York, offered n prizo of ¥100 for next year’s meoting for the paper of the most practicsl valine, either upon the wn- Known hazards or sone apocific hazirid on which the Assootation might most ned onlightenment. [More applause.) ‘Tho Presidont mado tho propor acknowledg- mounts. Mr. J. M, Dresser, of tha Committe to whom wns roferred that portion of tho Prestiemt’s nd- dress on the subject of State Bourds,.mude a Jong report. acknowledging tho bonotlts of those Instituttons on tho business at large, and uryin the compnnica to encourmgo specials to atten athe) mootings of thosa boards. Tho roport was adopted. Mr. David Boveridge, of thia city, of the Com- inittes to whom was referred that portion of the Preaidont’s address on tho subject of incorpora- ting the Association, mado a roport, setting forth tho yvurlous preliminaries necessiry to or- ganization under the laws of Ulinols, and rece omen: ving the appointment of a cominittes empowe to procure an act of incor- ration and rupart at the noxt meat- ing. The report wre ndepted, and the Prealdent. appointed David Beveridge, nh J. Smith, John O, Wilson, Goorge C. Clarke, A. C. Ulndgett, C, W, Muraball, and W, G. Bentley as ich Committes, ‘3 * OFFICERS, Br. Rice, of the Committeo appointed to nom- inate tho now Exccutive Comiittce, reported tho following names for that purpose: H, Mf. Vrooks, Ohio; H. H. Walkor, Indiana; BE. FF. Foroman, Michigan; W.G. Ferguson, [ijnois; FE. G, Malle, Wisconsin; “EO, Alvarndu, lowes Martin Colling, Missouri; J. N. . Tinkbam, Kan- 1 ; Sand Polhtjn tite green strip of iand in thoriver aus; H. Ae Palmer, Nobraska; J. Castleman, | suse ut the north end of Iushestreat bridge. 116 Hee e ee yy a ntitnie Ree Peale We dicGuenote | Wass negro,and tke eponker enld it was to tho Chieng Weitotman, Milwaukeo, ' | credit of the rico that It was a colored man whu struck tho first blow for American clviliza- on in, Chicago. Ho (Mr. Eastman) con- sidered that Chicago's history dated from that porlod, unioss we took tho Innding of Marquette a tho foundation of the oity, The kpouker thon touched upon the settlement of tha Frenchman Mae, the advent of John Kinzie, the mmnssacro, und tho coming of Mr, G. 8. Hubbard, who found in 1818 tha city consisting of merely o fow friendly Indians and traders, From this point tho speaker traveled on to the year 1837, when” Chicago was recognized as n city. MAYOI IARRIBON was on hand. Bomebody called upon him for a speech, and ho came forward looking the picture of innocency, and moving toward thu front of tho platform a8 If aspecch were the Inst thing in big mind, In fuct, he snent five minutes tn telling the people this. Having impressed all presont with tho fact that he was only u casual’ visitor who had como to look upon tho faces of those sngaclous men who bad sven the goograph- fealand othor advantages thnt bud contributed to Chiengo's greatness, he proceeded to ary that he folt weighted down with, tho honor that had beon thrust upon him, for, he asked, had not these eagacious men— theso ofti sotticrs—sald in Inngunge emphatio that ho was " tho best Mayor Chicago ever hud." Laughter and applause.) They ought to know, Yho honorable yunticman then proceeded to mnke ns much political capital out of the situa. Hon ns posaivie. Ho saw before him Chicagoans, Henutiicaus, Democrate, and ono or two Green- backers—[Inughtor)~and he desired to aay to them that ha jutended to make tho Governmont. of the city Democratic, and he intended to do this’ by setting a firatecluss ox- ample—not by turning out Republicans and putting in bad Demoorn' bur by turning out bad Republicansand putting In good Domocrats. Ho was proud of this grand elty. Ho camo bero whon the population was 93,000, Ho didn't oxpect to stay more thin three auys, but he saw the country at the back of tho city, and bo sald to himsolf, *'Thia ig tho spot that {9 going to bo the contro of tho United States," Having roached this conclusion ho do- termined to romain, and ho grow up with thd city and beoame its Muyor—" tha boat one Chi- ongo over had,” us had beon admitted, Tho honorable gentelonian then dwelt briolly upon tho {uture of tho city. and told them ull that the should fect proud thor lot bad bows east in sue a itrthe Stayer Anieled hi bh the | en the dMuayor finishes a eCc! oO anon had sunk out of sgt: ‘Tho Chincse lanterna wora hosted, the band struvk up, tho fi “propio tonk to duncing and tiirting, and the ad folks sat thomeclyes down on beuches, drank boor, and tuiked of tho past until a late bour. _———— VETERAN REUNION, Sptctat Dispatch to The Chicago Tribune, Erna, I, Sept. &—The Fifty-second INtnols Veteran. Volunteer Association held the thirteenth annus! reunion In this eity today, ‘Tho vetorans of the old regiment ‘present numbered about seventy-five, and the wives and guests Increased +tha party to 125, H.C. Edwards, of Dundes, was elected: President of the Association: A, J. Buck, of Carpentersville, Secretary; George M. Peck, of Eluin, ‘Treasurer, the xfternoon the guests onjoyed elaborate ban- wet Col. Jolin = 8 = Willeox, ~—of alle + delivered an, — address of. welcome, and toasta wero felicitous! responded to by sudko Tanite G, Wilson mi Capt. C, B, Wells, of Geneva; Lieut, G. W. Robinson, of Parrington; Dr. A.D, Clark and Capt W. H. Wilcox, of Elgin; L. WV. Wolcott, of Batavia. The meeting was greatly |- enjoyed, and it was yoted to hgld the next reunion at Dundes in i831, — Avie , ti . Git COTS HEMET, Garena, Jl, Sopt..0—Gen. Grant re- tumed to Galena at 3 o'clock In a speclal train over the Ilnols Central, Me will re mun hera watil the 27th inst. when he will leave for CHileago. On the 80th he will start for the Enst by speclal train, which has been, tendered'‘hin. ‘The Gonural informed your correspondent this afternoun that he should spend the winter In New York and Washing. ton, but would certainly return to Galona and const his voto for Garficid iy November, et STRICKEN WITH PARALYSIS, Special Dispated to The Chlcuga ‘Trisune, a Br. Paur, Minn, Sept, 0—The Hon ‘Franklin Stwele, of Mlnucapolls, was strick- en With paralysis while riding this morning, and Hes in a critical vondition, Afr, Stevlo ts one ot the oldest and most prominent resl- dents of Mfineaypolis,. and 1s widely known both jin the Enost and Wes! He lives in Washington during part of every year, He was ono of the orluinal ownora of the glto of | the city, and dg still the heaviest real-estate owner In it, He ts a brother-lu-law of Gen, and of Gen. K. W, Jobson, The report was adopted. Tho Presidont aunounced, by permission, that " Parace,” ono of the contestants for tho Baker prize, was Holzor G. Do Noudo, vf this city, Man- gor of tho Clinton Fire, Mr. Jaspor M. Dresser, of Thdfanapolls, was elocted Presidunt for tho ensuing yeur; E. F. Rico, of Cincinnat!, Vicu-Prosident; and George W. Hayes, Seeretary,—the latter for the fourth tlme, and deservedly so, tao, After thanking the retiring officors and evory- body clso—down to the duorkecpors—and ro- ceiving from tha gditora of the Weekly Unider- writer and Chronfele offors of prizes o¢ $100 and #250 respuotively, O'Donoghue baving pcou Brigham and gone him sevornl bottur, tho Asso- cintlon adjourned sino dio, GEN. GARFIELD. His Speech at the Northern Ohio Fair, CLEVELAND, O,, Sept 9.—There was an immense attendance, the Interest for yours, at the Northern Ohio Fair to-day. Tho weather was delightful. Among tha guests of the Association were Gen. Garfield and ex- Govornor Bishop. Brief after-dinner speeches ware made by Gen, Garfluld, Bishop, aud others, Mr. Gartleld said: Mn, Presper AND GENTLEMEN: Whilo Goy,. Bishop was speaking of the thrift and pros- Ports, represented on these grounds, [ wus hinking of tho forces at work in thia countrys whieh nro silontly but powerfully uffecting the rolations between two classes of our populie ton. All who have thoughtfully congidured the reports of tho National consua during tho list thirty years have observed the rent growth of our cities and the comparatively simul growth of population in our agricultural districts, In fact, many of the older ayricult- urat countios have aotually decronsod in popue Intion. The tendonoy of civilization fs towards tho clty and away Crom tho country. Lot mo nak you to retivat whathor this isa good tndicu- tion, Ehnyo timo to notice but one feature of the problum. A careful study of the mon who have won distinction In overy flold of activity, public and private, professional and commer olul, wilt show that a inrxo injority of thom were born and bred in the gountry, Bxamine the roster of all our professions, efvil and mill- tary; recount the men whe baye achieved dls tinction in ull tho fresh flelhbAof manufnoture id commerce, and you will tind that fur the Wryer numbor wera country-born — boys, whose . carly manhood had “tanched the soll and drawn health, ond strength, and {Inspiration from the forces of natura which play with freshness and freedom in tho groan fields of the country. {Applauso.) Gentlemon, would you willingly #eo te present tendency continued until the majority of aur people aro Inhabltants of erent -oltivs? Hf this tentency inust prevail, thore 16 one way to mitigute ite evils, and that ia by bringing the city and coun try into vloser bonds. of aympathys aud this brings me to the oblof significance of this Fulr. This great and growing City of the Lake has opened kor arma to the uous. and annually Jnyites the peopte who thi our Nelds, dig in our: tninos, andl work in tho country shops, to come puiote you and briug with thom the fruita of the land ona tho producta of tholr skill, Mn return you show them the acct mutatlon of” city Industry and cult ure. This interchange ie benefcini to both, and, lot mo add, especially udyantagcous to residents of tho clty, “Ini aure that the minny Jeaders of the commerce and trado of Cleveland why wero reared tn tho country are refreshed and Invigornted by tho reminder of their youth which thia falr gives thom. ‘They remombor “tho rock froin which thoy wore ‘hawn,” tha an stronger for tho remembrance in this fatr. ‘Tho elty and tho country shnko hands in renowed fricndsulp, and recognize anew thoir deponit- one upon euch otbar, Lsve at this tablo law- pie bankers, and merchants, whose oyes rigbten at tho remembrance of their country homes. Ono of thy foromost tawyersand jurists of this State, an honored citizen of your alty, will not forget bls ploneer Ife in the wodile 0! Portige County. J am eure that Judge Tunney does not regret the hardahi ud Inspiration pa an which country life gaye to le ‘boyhood, . OLD. SETTLERS, Byeciat Dispatch to ‘The Chicago Tribune, Crown Pont, Ind., Sept. 9.—The annual meeting of the ploneer settlers of Laka County occurred here to-day, Among tho plonsers present from abroad were Tuthill mi one of the earliest settlers of Chicago, the Ton, Andrew Dotton, of Dolton, Hl.) a Judge ‘Talcott, of Valparasio, Ind alt’ of whoin entertalhed the meeting with Interest: ing reminiscences of tho eurly settlement of the country, Letters were also read from Soton Rob{nson, now of Jacksonvilly, Fla, one, of the plunger setticrs of this county, dotin N, Bates, of Chicago, and others. lange crowd Was present, Ol of whoin report & very Inturesting mecting. ee History furnishes no parnilel to the popul: and oucceds of Dre ‘Bulls Ovugh Syrup. £") rend 2 eS asta LuvaH sa ng = 8 S003 ana SIGN sngAu?! aud GRY kes! ES BUI Lovgyeces AMD SMM OlgzaaeR. to AOFES separ g ORES FEVER an seu, EEL “a8 LIT 3 C [J f spepsia, Tiveg Teche; Biliousness, ‘Nersous Debit # + The Bost REMEDY KNOWN to han} 9,000,000 S®0LD SINCE 1870, Tats Syrup possesses Varied Properties, Tt Simulates th which ecnvarts {he Reston Bottles tne In the Balt A defictency In id and Kouring of tomach: AC the medicine ts en ately after cating the fermentati fa prevented, y weer At acts upon the Fiver, if sete npon the Midne tal tho, Promotes Direatio ‘At Novrishes, stre: Ji opens tha porse at th ree paithy Porspiention: 104 the heredita manner of ak disedaee nnd intarial huniors, J a int tho most delleate baboon iyi oomly being requtred ink ene and Invi; load and mnkcaneee @ skin nud ludaces CAUTION TO DRUCGISTS, Reware of Counterfett Medijeinu. into tmvollng agents or rumors to solicit trade trom TESTIMONIALS. ILLINOIS. Disoane of the Stomach and Liver, Calro, Alexunder Co. 1. Dean sit; Buffering for sume tine with Hexdacte tnd Diseaso of the Stomach and Lt to use your rellabie INDIAN BLOOD SYHUF, nica verfoct health au A. ite CHAS. SHELLET, An Excelient Remedy, Relvidere, Boone Co.. {Il.. Feb. 172, e been using rae INDIA Gt ‘and am pertectly snus the feaults, it luritvs the bivod, Heatores | 1 joweis, und Keligves itheusalten. Bug be without It, MRS, Kidney Diseaso. DEAR Siu: This le BLUOD SYRUP bas done me more Koud Conipiaint and Huart DI Chiuls and Berofuin. SYKUF foursome im Fisher, Champaign Co. IIL, to vertify thu sour EXDIAY MANGAICT CHISM. Whird-Day Chills, A Flora, Ch ta UW to cortity gat 9 UO} aa cured ie of thy Chills after all other modicines had fall Chilis Curca. Bint Dean BA Tfind your INDI. peedily cures Chills, und can recammend It as the ine in the country for Ithoumnattany and All that It Ie Recommended to Be. Lem DEAR SIR: 1 have found, by UP a fale teal ended Ww be, and advise heath to give bw te: Chilis Cured. ‘ Nooxa, Curiberland Co. 1, DEAR BM: My daughwr Dad Chilia for fourier FytuIng, ut wiinyut 80 Of your INDIAN Fowhich cfectualiy hina also wreatly bonetiied the may, are fd Du uae [or a ducioe Since | bave had your modicine In iy buuso. 1 would Ht tise to sutetiog NAL LAWRENCE, Hy CHE Ht ts BIE HE. 38 recucie ne tried almost ovut m7 cu ous it, and rocu! ‘tun Pain in the Back. Dyspepsia and Indigestion. 8 DEAR Hit This fa to BLOOD SYRUP, which | procured fron. haa completely gured mo Medicine ievor used. (ure for Heart Diseass, ‘Teutopoll m2 C0. DEAR Brn; Your great INDIAN HLooe SUP the beat medicino | ever need for Heart Disease. | Eeoacimnand ve all élstiatiy alictod. pain. 1248 tho vest KAM DALLES, All that It Is Recommended to Ito. Kaness, DEAR Git: I have used your exc BLUOD SYRUP in my fumily fur the paut tre years and havo always found It Justus recommented. le (ho dost family medicine evar use Diseases of the Luncs. Hont. DEAN Bru: This isto certty. BLUOD SYRUP bi bad beon troubling 11 ad it to hat your INDIAN red we of Lung Dist for slong’ tne. sudering uigioant For Neuralgtu. DEAR Sim: I was troubled with Ns time, 1b ot your BYNUP, aod am hapoy waay it na 04 DeANAtm: Tbavo been troubled wiih raat Wd “tound It ty by a meth MP HUMAS TRIMBLE, Never Falls to Cure. Hf RB Sm: I havo used your for Cramps In my stomach and al hy wore troubled with spasns, jected & Compiclo ere ‘Valuable medicine, ADETL METZE An Agent's Wondl DEAR Sm: 1 can ss) acho, Pain in the an eoutmund ta use $0 auduriug human Wocommends It to All, have used some of you BLOOD SYRUP with benoticial results, sa good medicine to bultd up the syste: 1e ‘Ould recommend it Ww alt suductay tryin) au Liver Complat Ta iT eauty vial I e ty AR BLOUD BT RUT g os Wl Cour aieke ar Compiatat a a Rheumatism. ehsu, Kankakee Ce and found no relief aivsl valuable INDIAN Blueh rollavedasd Donetited. | Jolpe to eb AN “A Good Biood Purl BYKUP and be ‘Sor, and take pi Ie unequalod ns 8 ure in recummuLsiR Suppresssion of iene ly daughter was & poder trond Ms \iculty fur iaore thi mie to the Jo; as, she Was BoUR sostH! Yomaln Weakness. ting, Ivingston £ NDAD BLUOD tox your groatANI NAN Wenkness.” Yuor, me young wlth t Spa Baul LISTOF WHOLESALE DEALERS De, Chk Wins Tn Dhol Syrup CHICAGO, ILL. FR VAN BCHAACK, STEVENSON & CO, 9% and & CO., St and 66 Lake-te Martket-ot, AN & KING, St Danko st WAVY ASABUNG & I, H. Sibley, De. doun letter of Ste Paul, ie als browns 1 Bohan G0. Wabkib-ar-