The Daily Alaska empire Newspaper, January 30, 1943, Page 4

SESST Daily Alaska Empire Published every evening except Sunday by the EMPIRE PRINTING COMPANY Becond and Main Streets, Juneau, Alaska. HELEN TROY MONSEN - .~ = = = President R. L. BERNARD - - Wice-President and Business Entered in the Post Office in 8| Becond Class Matter. TON 8: Delivered by earrler in Juneau and Dousias for $1.50 per month., By mail, postage paid, at the following rates: One year, In advance, $15.00; six months, in ad¥ance, $7.80; one month, in advance, $1.25. | Subscribers will confer a favor if they will promptly notify the Business Office of any failure or irregularity In the de- Uvers of their papers. Telephones: News Office, 602; Business Office, 3M. MEMBER OF ASSOCIATED PRESS | The Assoctated Press is exclusively entitled to the umse fot | tepublication of all news dispatches credited to it or not other: Junet Innd 45 placed in army reserve. At the same time, Ihe said: "our army has not een formed to wage wars of aggression but to protect our people.” 1936 January 4--Nazis conscript children, order mili- training for all from 10 to 18 years of age. March 7--Nazis break Locarno pact, troops |occupy Rhineland | July 11—Hitler ta; signs treaty with Austria, HAPPY BIRTHDAY JANUARY 30 avid DeLong Susan Jane Boggan THE DAILY- ALASKA EMPIRE— { 20 YEARS AGO iy 3 EMPIRE ettt e} JANUARY 30, 1923 Thirteen proved unlucky when that number of people piled on a bob sled at the top of Gold Street and were overturned when the sled |comintern” fpromises to recognize Austrian frontier Qctober 25—Rome-Berlin Axis formed. November 25—Germany-Japan pact. 1937 sign “anti- February 2—Nazis set up “Auslands Arteilung” wise credited In this paper and also the local news publisheq 10 Organize Germans abroad. berein. ALASKA CIRCULATION GUARANTEED TO BE LARGER THAN THAT OF ANY OTHER PUBLICATION. NATIONAL REPRESENTATIVES — Alasks Newspapers, 1011 American Buflding, Seattle, Wash. | October 13—Nazis guarantee | Beligum. November 6—Italy joins 1938 February 12—Hitler “inviolability™ “anti-comintern” ultimatum to - Kurt of pact Von | Schuschnigg, Chancellor of Austria, demands Nazis 'be placed in Austrian Cabinet. March 11-—Hitler sends another ultimatum, Von Schuschnigg to resign Chancellor resigns, succeeded by Arthur Seyss-Inquart, Austrian Nazi. Mareh 12—German troops cross Austrian frontier on on gaden, “inyitation” of new Chancellor. March 14—Hitler enters Vienna. September. 10—Hitler concentrates 200,000 troops Czech frontier. 15—Chamberlain demands September Hitler | Sudetenland AFTER TEN YEARS for 10 years. Today marks the tenth year of Adolf | Hitler's accession to power. The last ten years tell | a shocking story | i meeting. |territory. September 22-23 — Second Hitler increases demands “self-determination” flies to Berchtes- | Chamberlain - Hitler for Czech September 30—Munich Pact signed, Hitler signs Next month the Nazis will have been in power | “Peace declaration” with England. October 1—Nazis occupy Sudetenland. |against Czechs begins. December 6—Hitler signs “peace Perhaps you remember what happened in the |with France first year of the reign of terror. The events fol- lowed in swift suecession: | February 1—Reichstag dissolved ! February 27—Burning of the Reichstag, “Communists” arrested. April 1-—Nazis launch boycott of Jews with dem onstrations in the streets of Berlin. April 27—Goering creates terrible State Secret Po- lice, .the Gestapo. October 30—The toll of Nazi-terror reaghes 3,000 executions and murders, 119,000 wounded, 174,000 | Jailed. | That was just the start. From that time on, | Hitler and the German people were headed for war. Chief among other conspicuous events of the Dark Decade: 1934 January. 26—Germany signs non-aggression pact with Poland. March 9—Nazis reveal that 30,000 are or. have been incarcerated in concentration camps since be- ginning of Hitler's regime. June 30--Bloody Saturday. Nazis purge party. Hitler admits killing 77. Leading figures murdered were Gen. Kurt Von Schleicher, former Chancellor and wife, Erich Klausener, head of Catholic action group, Ernest Roehm, Storm Troop leader who was an early party leader and a friend of Hitler. \ July 23—Nazis murder Dolfuss, Chancellor of Austria, putsch fails August 2—Hindenburg dies of Der Fuehrer of Germany 1935 February 26—Goering begins creation waffe, March 1—Saar returned to Germany. March 16—Hitler junks Versailles Treaty, orders conscription, begins expansion of army he said: “Our army has not been formed to wage promises not to expand navy eyond 35 percent of England's. Hitler assumes title of Luft- 1939 March 15—Nazi troops enter France Terrer declaration™ March 22—Germany and Italy sign 10-year mili- 5,000 {tary alliance. September 1—Germany invades Poland without declaration of war. September 5—Nazi Poland, machine-gun 6,500 inhabitants September 27—Warsaw. surrenders. 1940 invade Norway April 9-—Nazis and | without warning. May 14--Nazis bombers wipe out bomb Rotterdam while Sulejow, Denmark peace negotiations in progress, Netherlands capitulates. May 28—Belgium capitulates. June 9—Norway capitulates. June 14—Nazi troops enter Paris, July 29--Nazi all-out bombing of Britain starts Septetaber 27—Germany, Italy, Japan vear military alliance 3,000 die in Oschweicim concentration camp in eight | | months. 1941 sign 10~ March 28—New wave of terror starts in Poland April 6—Nazis attack Yugoslavia and April 17—Yugoslavian army Serbs executed afterwards. April 27—Athens falls, swastika Acropolis. June 22--Nazi troops invade Russia 1942 April 5—Nazis increase slave labor in Germany [but that the principles of right them to go at once to her parents and ask their approval. from 2,000,000 to 4,000,000 April 14—Nazis re-instate Laval May 27—Heydrich shot May 28—Blood bath begins in Czechoslovakia in | reprisal of June 10—Lidice wiped out in reprisal. Fhis-1s just a skimpy picture of the events, part economic the mess that must be straightened Victory. capitulates, hoisted Greece. 80,000 over out after in | ‘su-uck. a bump by St. Ann’s Hospital, throwing all board into the street. | Fortunately, James Sauls, who was guiding the sled, held it in the road until its speed was slowed down preventing serious injuries. Those in !the party were Mr. and Mrs. J. B. Reher, Mrs. J. W. Kehoe, James Sauls, Miss Phyllis Denee, Miss Ueland, John Elliott, Frank Ragland, Miss Peterson, Miss Wold, Miss Case, B. F. Heintzleman and C. G. Moyris. Lodema Johnson Mrs. Kay Bayers H. F. Stolfi Astrik Loken E. M. Goddard JANUARY 31 Elizabeth Terhune David K. Eiteman J. E. Fowler Eulalie Bockmore | S. P. Raymond Cecile Cashen J. B. Warrack Mrs. Elvina Marrow Mrs. Harold Campen The Arcade Cafe, Mary Young proprietor, was moved to its new location at 99 Front Street the previous night. It was to be open for business January 31. B. Levine, managing buyer for the Northwest Steel and Metal Products, Inc., of Seattle, was a passenger on the Princess Mary for !Jum-au and was to look over the mill equipment at Thane purchased by | his company. | The Right Rev. Peter Trimble Rowe, Episcopal Bishop of Alaska, was lon his way to Alaska aboard the Princess Mary. He was to remain in Juneau about two weeks before continuing on an inspection of missions 0 R 0 S C 0 P E ithroughout the Territory. “The stars incline | Wolves were reported within a short distance of Ketchikan when ! but do not compel” }Wauer Anderson, an employee of the Citizen's Light, Power and Water | company, stated he was entirely surrounded by a band about 200 yards | off Charcoal Point road opposite the Smiley cannery. | e Attractions at the theatres were Elaine Hammerstein in “The Woman Game” at the Coliseum and Nazimova in “Stronger than Death” at Benefic aspects dominate today|gpickett's Palace. in which many planetary influences are active. It is a day fortunate| for those who look toward spiritual | gu:l;::;r AND HOME: Domestic| the steamer from the South. harmony should rule today when| G et the stars awaken aspiration and | J. W. Gucker, merchandise broker, was expected to arrive from the understanding. The churches will be South on the Jefferson. influenced by the idea of unity and rIE will draw large congregations. Weather was cloudy with a maximum temperature of 20 and a Creeds will be subordinated to the ,.iimum of 19. fundamental faith which underlies all forms of religion. The Bible will be read as never before as, the people realize that spiritual devel-| opment is necessary if the new |order is to bring lasting peace. The, rise of an eloquent leader is pro- phesied. | 'BUSINESS . AFFAIRS: While Sunday, January 31 | Bt Miss Mary Wahl, clerk in the office of the Bureau of Public Roads, was a passenger on the Princess Mary for Juneau and was to arrive on Daily Lessons in English % .. corboxn B e e e e e e ] WORDS OFTEN MISUSED: Do not say, “He sat the bucket on the table.” Say, “He SET the bucket on the table.” prosperity continues and work OFTEN MISPRONOUNCED: Pampas (grass). Pronounce pam-paz, glengitul' seonpimizts . will study first A as in AM, second A as in ASK unstressed, accent first syllable. trends of trade and commerce. They " prpy MISSPELLED: Bazaar (a market). Bizarre (fantastic) will ‘gather statistics and indulge in ] 3 Lheof{es which should be ml?mblv SYNONYMS: Cursory, desultory, discursive, hasty, rapidly |to statesmen who direct postwar formed. - o5 & | reconstruction. Although it is con- WORD STUDY: “Use a word three times and it is yours.” Let us 'coded that poverty is a disgrace to increase our vocabulary by mastering one word each day. Today's word : (a nation that is blessed ‘with all SALUTARY; promoting health; wholesome. “Laughter is the most |needed resources, methods of avert- salutary of all bodily movements.” {ing future indigence will differ. per- NATIONAL ISSUES: When the| ¢-er———r=" | foundations for education are re- b’ paired for the new order, there MODERN ETlQUEnE {will be attention paid to. the sus- ROBERTA LEE |taining power of character train- )} _ _____ _ ing, it is prognosticated. Again re- |lizious teaching will be accepted Q. Is it still considered proper for a man to ask a girl's father for land the Bible will be among the his approval before proposing marriage to her? | textbooks. This does not mean that A. No. However, as soon as a young man and woman have defin- |creeds or dogma will be admitted. itely decided to marry, it is considered well-bred and considerate for !living will be taught. If the stars iare rightly read we must be severe- {ly humbled by war’s horrors before w2 come into the full meaning of {universal brotherhood. and-butter plate? : | INTERNATIONAL AFFAIRS: A. The butter knife should be placed at the top of the bread- !Borlin has an unfortunate ochart. and-butter plate, slightly above the center, and paralel with the edge | Financial plans and changes in|of the table, with the handle at the right and spreading edge of the | policies are indicated. i knife toward the guest. | There are evil portents for the { safety of ‘Hitler Or One Of S @S- | T r e e e Q. Is it all right to use cream-colored or tinted personal cards? A. White cards only should be used. Q. In what position should the butter knife be placed on the bread- SATURDAY, JANUARY 30, 1943 e | nmECT“B Professional Fraternal Societies Chann MOUNT JUNEAU LODGE NO. 147 Gastineau SECOND and FOURTH Monday of each month in Scottish Rite Temple beginning at 7:30 p. m. JOHN J. FARGHER, Worshipful Master; JAMES W. LEIVERS, Secretary | B.P.0.ELKS Meets every Wednesday at 8 P. M. Visiting Brothers wel- come. ARTHUR ADAMS, Ex- alted Ruler, M. H. SIDES, Sec~ retary. Drs. Kaser and Freeburger DENTISTS Blomgren Building Phone 56 Dr. John H. Geyer DENTIST Room 9—Valentine Bidg PHONE 762 PIGGLY WIGGLY | For BETTER Groceries | Phone 18—3 ROBERT SIMPSON,Opt.D. Graduate Los Angeles College of Optometry and Opthalmology Glasses Fitted Lenses Ground | “The Rexall Stare” | Your Reliable Pharmacists BUTLER-MAURO DRUG CO. The Charles W. Carter + Mortuary PFourth and Frankiin Sts. PHONE 136 HARRY RACE Druggist “The Squibb Store” FIRST AID HEADQUARTERS FOR ABUSED HAIR Parker Herbex Treatments Will Correct Halr Problems Sigrid’s “The Store for Men” ‘ SABIN’S Front St.—Triangle Bldg. ! You'll Find Food Finer and Service More Complete at THE BARANGF COFFEE SHOP e Watch and Jewclry Repalring at very reasonable ratey Paul Bloedhorn S. FRANKLIN STREET RCA Victor Radios and RECORDS JUNEAU MELODY HOUSE Next to Juneau Drug Co. Beward Street Phone 6§ INSURANCE Shattuck Agency CALIFORNIA Grocery and Meat Market Jones-Stevens Shop LADIES’—MISSES’ READY-TO-WEAR Beward Street Near Third JAMES C. COOPER C.P.A. Business Counselor COOPER BUILDING L. C. Smith and Corona TYPEWRITERS Bold and Serviced by J. B. Burford & Co. “Our Doorstep Is Worn by Satisfied Customers” DR. H. VANCE OSTEOPATH Consultation and examination free. Hours 10 to 12; 1 to 5; 7 to 8:00 by appointment. Gastineau Hotel Annex November 28—All Germans between ages of 18 ¢ lapartment they had rented acm.ss'sm- Touhy’s door. ithe hall: Into the gangsters’ room,‘ All watches were set by observa- | with -a pass key, slipped two othcr‘(ory time. At exactly one minute of | G-men. Down:the hall in a public [five, G-men, with searchlights at- :la\'atory stood two more. No onetached to storage batteries, placed lin the neighborhood realized it,|them on the street and focused | but the house was completely sur- ‘;lhem on the gangsters’ apartment. | rounded. {Then the loud-speaker called out Hoover, Connelley and W. G.jfor the gangsters. to swrender, | ! Bannister took turns peppmg"'Bnngharl first,” because he was| or- | through & gimlet hole. It was tir- | considered the.most dangerous. | teemed| After ten minutes a thin scared G-men |voice said: “I'm eoming out. Wait till T get my overcoat on.” | (Continued from Page One) ‘v lice demanded identification y Their life in Chicago was | ; ganized along strict military lines. ing work. The apartment Banghart was the disciplinarian, with bedbugs. The three Touhy the brains. BangMart re- | writhed in-agony. | guired two of the gang to remain| Finally, about 11 p.m., word came, “Come without your overcoat, and on watch in the apartment every (that two of the gangsters had Ze(z;nmke sure ‘there are no guns in minute and when William Stewart|the other apartment and were on|your pockets,” was the reply let Matthew Nelson go out and get the way. They arrived. Tames O-| Banghart; came. Hoover grabbed? drunk, Banghart beat both up with|Connor put his key in the goor, him. As the gangster turned, he| his pistol butt and left them for then paused. Something about the |recognized the G-man chief and dead. They were captured by thejdoor had changed. He was sus- said: “I make you out from your! FBI before Christmas. | picious, threw the door wide cpen,;l)lc'-ure»" s Afterwards the fiye remaining Inside were the silhouettes of the . Touhy gangsters got two apart- two waiting G-men. | HOOVER'S ORGANIZATION | ments, plus a farm jn Southern n-l The gangsters opened fire. The| rTnep came Touhy and Darlak. Hpols on wmck_x they planned toi(;-men returned the fire from three|sq they ‘lay handcuffed and shack- | Ride after pulling .big jobs. They'dxrecuons. Mcln_cx:ney took a SWal jled on. the mattresses, Hoover re- were all set for one of the wor_st\dxvvo over ghz railing and down the|marked to the 44-year-old Touhy, ¢rime waves ever -experienced in|stairs, trying. to.escape. He was crime-ridden Chicago. |dead when he ‘hit the landing. O'- ,To avoid detection they pulled Connor died seon- after. some of the cleverest dodges the! Heads of tenants peeked out like G-men have known. Every day 'rabbits all along the hall. “If this they changed suits, hats and over-|is the kind of place this is,” ex~ goats. Thus in shadowing them a|claimed one irate woman, “I'm b{ock away, the Gjmen found it:moving 2, __|Fibber Magee said to Molly the difficult to ascertain how many" “By al! means, Mndgme, replied (other night: ‘It ain't funny any were in the gang. Moreover when | Hoover, “out not until mmormw.";,m,_.e oo, s -oak e apaed:. i [ SRt sbutried, o thp lowe oc hind, a s - | frei 3 off shotgun under his overcoat,! THE ZERO HOUR f;:;lh:ee:zzzrd;l);‘:h:" filc:h:i' ready- to pot any police or shadow- | No one was allowed to leave the| : e i : s e (apartment house until lpa st remarked: to - Homyer: ing G-men morning. | .. g Y . : | 5 - | “Ten years ago you couldn’'t have After days of watching, Hoover|The G-men wanted no word to|gone this to me. But, Boss—and finally decided the time was ripe/8et to the other gangsters. Mean- in- o ster to close in and led his G-men tp|While a mdnight broadeast report :;a}:::nl:;:!clednws:e"gjtiells ::‘:n h;: the Leland Avenue apartment. It ed that two.of the Touhy gang-|.an remember looked up almost ad- was 8 pm. and they knew thaf(!“ had been killed. The G-men mirln&ly at Hoover—“you got an apartment tp he empty. Walking (held their breath for fear Touhy dmhiwLwll o 3 up the back stairs in. the inky{‘h:d his radio on, but he Was| mHe has, 4 blackness, Hoover stepped .gn a asleep. (Copyr ; F cat. It let out a terrific yowl.. | Meanwrile, :lu.(f‘)ggfl,:mmfmb? THac B “Good -Lord,” whispered Hoover, had been headquarters A “it's.bad - luck!” lon the detailed strategy for tak-, \ ) “Ne," breathed assistant direc- INg the next apartment. Squad CARDS CAN. WAIT tor E. J. Connelley, flashing on a|leaders were in charge of cars,| MILWAUKEE, Wis—Hob MeIn- light, . “it wasn't a black cat. It Hghts, loudspeaker, handcuffs, am- tosh of Des Moines, Iowa, prefers i gl 3 e bulance, and different streets. : | |higher edugation to a major league - ‘The plan was to wait for the | in red japamas and peroxided hair: “What do you think of yourself now?” No answer. ¢ “He gin't saying, Boss,” spoke up Banghart, “but I can tell you what he, thinks. He'’s thinking as a blackbpard given at talk | sociates. Peace propaganda will be persistent from Germany and will | be spread in this country by secret | agents. Since all the wars for cen- | |turies have had Germany as the| levil genius, the United Nations will | |consider naught but complete de- [and west? feat, it is prophesied. | Persons whose birthdate it is | have the augury of a year of mmn-l cial good fortune, but they should restrain impulses and avoid giving offense to persons in authority. | Children born on this day prob- ably will be brilliant in mind and forceful in character. Strict discip- | Line and wise training are necessary | to develop fine talents. Monday, February 1 ‘This is not an important day in! planetary direction and should bei used for adjustments and prepara-| tions for an eventful month. Fair- | ly good war news may be received under this configuration. | HEART AND HOME: As social and- economic changes mnluply.' women should be careful to retain as far as possible the many gentle, charming ways that have nadef American homes . delightful. , Great vigilance should be exerted.to avoid in the haste and strain of war work.,| careless speech and bad manners. The stars appear to presage extra- erdinary ability on the part of girls who turn from a carefree envirpn- ment to serve the nation. The high standard of education will - prove valuable in industry as girls take over tasks hitherto belonging ex- clusively to men. | BUSINESS AFFAIRS: Prosperi- ty will asume great significance to; economists in the United States as| they plan postwar programs. Novel ways of inyesting in’ peace. will be devised as possible antidotes to:in- flation. Wage earners this month will begin to recover from the stim- ulating effects of high pay and wm‘ listen to suggestions for wise use | of. dollars not invested in Govern- | ment. bonds. New impetus to war aid will be given by events which cause men and women to recognize perils that require absolute devo- tion to the task of winning the war. NATIONAL ISSUES: Daring dip- omacy. that appears to afford ad- | ; | |stars are read as presaging suc- Frs zero hour of 5 am. Meanwhile, baseball contract. The .Marquette vgntages to ‘unworthy leaders -of BEDBUGS WORSE THAN GANGSTERS They took up the wigil in Hoover and three others planted maching guns behind a barricade an of mattresses, immediately appo- attend college. athlete, a crackerjack third-base- ' changing allegiances will { 3 continue man, |.umu;l down an offer from | to he criticized by the people of the the St. Louis Cardinals in order to| United States. The chesshoard of ithe Second World War will present LOOK and LEARN f\' C. GORDON e e et ettt ) 1. Which are the only two®great rivers in the world that flow east 2. What is the real meaning of the word “khaki”? 3. How many cups of granulated sugar comprise a pound? 4. How much has the average life span increased in the past sixty years? 5. Where are located the four most important cities bearing the name of “Springfield"? ANSWERS: 1. The Amazon River of South America, and the Yangtse-Kiang of China. 2. It is a Hindu word meaning “dusty, or dust-colored.” 3. Two cups. 4. It is nearly double. . 5. Illinois, Massachusetts, Missouri, and Ohio. siranse moves e e ine BETTY JEAN TIPITSCH, cess through odd devices and the | jJ' HE"DRICKE u“" seers warn that those who find| MARRIAGEWED“ Afi fault should work and wait. Dark | days as well as those that are light- } 4 ed by high hopes are foreseen. | Before a beautiful altar of can- INTERNATIONAL AFFAIRS: |delabra and hemlock, Betty Jean What is called a “versatility of sub- |Tipitsch and Jacob James Hen- stance” in the United States is to | dricke were married last Wednes- be fortunate from now on and pro-!day evening by the Rev., Willis R. duction will increase at the time Booth, in the Chapel-by-the-Lake. most discouraging for Japan. Re-| With a group of intimate friends trograde Saturn in an intercepted present, Mary and Alfred Bucher | sign is read as indicating that the |acted as attendants for the bri-| enemy wil undergo many difficul-|dal couple. ties_in coming weeks through in-| The bride wore an Alice blue silk| ability to compete with American|afternoon dress and a corsage of | miracles of shipbulding and “i"'iimrctssi and jonquils. A large plane manufacture. Astrologerslfloml arrangement of the same| warn, however, that the war in the | flowers stood on the altar. Pacific will- be. drawn out through{ A reception for the couple was AL Sesg months. 'held at the home of Mr. and Mrs. Persons whose birthdate it is have ajfreq Bucher following the cere- £ : tiered wedding cake, and sand- g‘;‘:‘l;:“ can be best solved among | yiches and coffee were served. ., Mr. and Mrs. Hendricke plan to Children born on this day pro- il bably will have careers of ups nnd\mke _their home on Star Hill. Mr. downs that are likely to end mr_‘i_!em:lru:kxe will continue as driver tunately. They. should be wisely fOF the ArTow Cab Company. ———————— trained, for they may be strong- willed and obstinate. | . Business meeting of the Juneau (Copyright, 1943 ) iwomnn's Club Tues., Feb. 2, at 2 i - | pm., in Alaska Light Co. pent- LOCAL BOY MAKES GOOD | house. Federation members are es- | MONTREAL.—Jimmy Orlando is Pecially invited. adv. the “bad boy” of the Detroit Red | A Wings hockey team everywhere but | COACHES IN NAVY here, This is Jimmy's heme town. , NEW YORK.—More than 1,000 | South Franklin St. Phone 177 “Say It With Flowers” but “SAY IT WITH OURSI” Juneau Florists Phone 311 Rice & Ahlers Co. Plumbing—Oil Burners Heating Phone 34 Sheet Metal JUNEAU - YOUNG Hardware Company PAINTS—OIL—GLASS Bhelf and Heavy Hardware Guns and Ammunition Phone 63 Stand Opposite Coliseum Theatre CALL AN OWL ]’ —J) 478—PHONES—371 | High Quality Foods at Moderate Prices H. S. GRAVES “The Clothing Man” HOME OF HART SCHAFFNER | & MARX CLOTEING ZORIC BYSTEM CLEANING Phone 15 Alaska Laundry v E.E.STENDER For Expert Radio Service TELEPHONE BLUE 429 or call at 117 3rd St., Upstairs 15 Years’ Experience AN\ h SEATTLE: ® Perfect comfort ® Centrally located ® Splendid food and service ® Large Room all with Bath McClure, Mgr. ALASKANS LIKE THE [iew VisHiNeTon | 1891—Half a Century of Banking—1941 TheB. .Behrend Bank Oldest Bank in Alaska He was recently given a popular-:mgh school and college coaches ity trophy by the fans. J‘i\nvr joined the Navy. 4 COMMERCIAL SAVINGS