The Daily Alaska empire Newspaper, September 8, 1951, Page 4

PAGE FOUR Ivnsu\'x.w, Invariably, the cost of operation far ex- ceeds the cost of purchasing the required printed| matter. California is a notable example. A recent report by that state’s senate investigating commit- tee discloses that, since the state plant has been in operation, printing costs have risen so sharply as to varrant a close scrutiny by that body. The report | cites instance after instance where work performed in the state printing plant has cost the tu v more than three times competitive market. That printing is best done by printers is axiomatic. Sideline ventures, such as that contemplated by the Employment Security Commission, undertaken with- wise credited in this paper and also the local news published : equipment, can only result in failure—at the taxe herein, payer's expense. Daily Alaska Empire Published overy evening except Sunday by the EMPIRE PRINTING COMPANY Sccond and Main Streets, Juneau Alaska HELEN TROY MONSEN DOROTHY TROY LINGO ARCHIE F. CAMPBELL President Vice-President Managing Editor econd Class Matter Entered in the Post Office in Juneau as SUBSCRIPTION RATES: Delivered by carrier in Juneau and Douslas for six months, 00; one ye: By mail, postage paid, at the folle One year, in advacce, $15.00; six months, in a one month, in advance, $1.50. Subscribers will confer a favor !f they will promptly notify the Business Office of any failure or {rregularity in the delivery of their papers Telephones: News Office, 602; Business Office, 374. $1.75 per month; 50 rates: dvance, $7.50; in its purchase price "~ MEMBER OF ASSOCIATED PRESS NATIONAL REPRESENTATIVES — Alaska Newspapers, 1411 Yourth Avenue Bldg., Seattle, Wash The Commission has given verbal assurances to the printers that the proposed equipment is to be! used, not for printing, but”for office duplicating work to replace their obsolete stencil duplicator. These assurances were undoubtedly given in good faith. However , if this is indeed the case, we fail to see how the Commission can justify purchase of equipment that it does not intend to utilize to its; fullest capacity. Apparently, the Commission has given little thought to the problems their printing venture will entail. For one thing, a skilled offset pressman will be required to operate and maintain the press. At} prevailing wage scales, his salary will be at least $110.00 weekly. Excluding the equipment price, the + |cost of paper, inks, composition and miscellaneous expenses, his salary for the biennium ($11.400.00) will exceed by nearly $2,000.00 the Commission’s total} Alaska printing bill for the two years just past. The date set for the bid opening is Monday, September 10. It is to be hoped that the Commission will give serious thought to the problems outlined »ffset printing press. above and act in the best interests of the people Since then, printers and publishers in every judi- | #hose money they propose to spend. It is to be cial division have added their voices to the protest|hoped that they will be mindful of the fact that against this -agency’s-propesed- purchase: A Alaska's 41 printing and publishing firms bear their The call for bids describes the equipment sought | falr share of the tax burden and pravide employment as a Model 1250 Multilith Duplicator with accessories. | for several hundred individual craftsmen who also The machine is, in fact, an offset press, capable of | Pa¥- turning out a large quantity of good quality printed It is time that government agencies return to matter. the realization that their function is to serve the ‘The printers object to the purchase of this equip- | taxpayer rather than compete with him. Too many ment for two reasons—both of which should be of |bureaus regard the taxpayer merely as a source of interest ‘to Alaska’s taxpayers. revenue and are indignant when he demands that Printers are aware that the operation of offsetthey act in his interest. equipment by a territorial agency could be the first We repeat the request of Alaska's printers that step to establishment of a Territorial printing |the Employment Security Commission confine its office. If the Employment Security Commission is activities to those prescribed by the legislative acts permitted to install such equipment, a precedent will; Which created it. We strongly urge that the Com- have been established for other agencies seeking to |mission reject any and all bids for the contemplated follow suit. It can only follow that Alaska's tax-|printing equipment and, instead, seek modern and paying printshops will be then deprived of a large |efficient office duplicating equipment such as that in volume of business. ‘use in thousands of offices in Alaska and the states. Governmental excursions into the fields. of private |Such equipment is readily available, will produce a enterprise have invariably proven costly to the tax- |volume of high quality work and will cost the tax- and to the industries so invaded. Printing is|payers but a fraction of the price of an offset print- |ins press. Saturday, September 8, 1951 THE PRINTERS PROTEST Three weeks ago, Juneau’s printers—all of them —Jjoined in a formal protest to the Acting Director of the Employment Security Ccmmission when it was learned that the agency had called for bids on an rd payer no exception. A number of the states own and operate their own printing plants and their history is a sad one, { If you want.to get rich, learn how not to spend. planning. One of the primary ob- jectives, in fact possibly the pri- mary objective of our military | force must be to make it a deter-| | rent to war. This is not an empty | phrase. It effects the planning, the kind of tactics and strategy we | are thinking of, and the kind of. | planes that the Air Force has to| | have and the techniques that it | | has to use. At the same time we| land under one operational A com- mand. The congressional legislation never intended that it should be. On the contrary, the idea was to maintain the separ: its of the Army, the Navy, the Marines, and the Air Force, and to provide the machinery for coor- dination under the authority of the Secretary of Defense to see to it that there was the proper amount The Washington Merry-Go-Round (Continued from Page One) now flying. Nor can we rely on guided missiles taking over any important part of the job we will have two years from now. I do THE DAILY ALASKA EMPIRE—JUNEAU, ALASKA SEPTEMBER 8 Joseph J. Stocker Mrs. R. H. Williams J. B. Burford, Jr. George Baggen SEPTEMBER 9 A. F. McKinnon Mrs. Merle Rhodes Jean Johnson Mrs, Fred Peterson Betty Anne Hakkinen Mrs. Phil Johnson e o 0 o 0 0 Weather at Alaska Poinfs ‘Weather conditions and tempera- tures at various Alaska points also on the Pacific Coast, at 4:30 p.m., 120th Meridian Time, and released Messerschmidt- Zinck Wedding . Will Be Tonight The wedding tonight of Miss Ro-| berta Messerschmidt and Eugene| Zinck will be at the Ressurection | Lutheran Church at 8 o'clock with the Rev. G. H. Hillerman reading| the marriage rites. i Attendants will be Miss Kather-| ine Bavard, maid of honor; Miss! Carol Jean McDonald, bridesmaid; | and Jay Eller best man. Young] Diana Eller will be flower girl Ushers will be George Messer- | Following the marriage ceremony by the Weather Bureau are as | follows: Anchorage 47—Cloudy Annette Island .. 53—Rain Barrow 34—Drizzle Bethel . 40—Clear Cordova 56—Rain | Dawson ... 47—Cloudy | Edmonton . 57—Cloudy Fairbanks . 48—Cloudy Haines ... B3—Rain | Havre ... . . 58—Cloudy Juneau Airport .. 55—Rain | Kodiak - 49—Cloudy | Kotzebue 39—Clear | McGrath . 42—Cloudy | Nome 57—Cloudy Northway 43—Fog | Petersburg 56—Rain Portland ... 50—Fog| Prince George . 54—Cloudy | Seattle 55—Cloudy | Sitka ... 55—Rain| ‘Whitehorse 50—Cloudy | Yakutat 53—Rain | schmidt, Jr., and Ingvald Varness.| from THE EMPIRE - 20 YEARS AGO SEPTEMBER 8, 1931 Juneau Public Schools opened their doors this morning at the end of a 10-week summer vacation to admit 563 pupils, 414 of whom were enrolled in the grade school and 149 in high school. Mrs. Katherine Hooker will' have a booth at the Southeast Alaska | Fair which opens tomorrow. She will serve homemade pie, cake and special hamburger sandwiches. Mr. and Mrs. Charles Hawkesworth, Mrs. Charles Burdick and Dr. and Mrs. H. C. DeVighne were southbound passengers on the steamer Yukon which left here yesterday afternoon for Seattle. Minnie Field will serve hot sandwiches and coffee to patrons of | the Southeast Alaska Fair which opens tomorrow. A full bag of ducks and deer were brought back by a party of hunters yesterday from Gambiér and Pleasant bays on Admiralty Island. "rhc party included Ludwig Nelson, Walter White, C. F. Brown, all of Juneau and George O'Neill of Detroit, Mich. Nelson brought back a { buck weighing 160 pounds. | Enroute to Ketchikan to pick up Jay Williams, forest examiner, {the forestry boat Ranger IX, Capt. George Peterson, left port today. ‘lt will take Willilams and an assistant to Bradfield Canal where they I will make a trail reconnaissance. | Classes were resumed at the Government School with an enrollment |of 41 pupils. This is considerably less than last year, Mrs. Jane Allen, | principal, said. However, she added that more students are expected |to enter in a few days. Mrs. George Braich of Skagway is a guest at the Zynda Hotel. ;She will be in Juneau for the next three weeks. | Mrs. Karl Theile, who has been in Wrangell all summer looking | after the-business management of the Diamond K Packing Company, returned home today on the steamer Alaska. Weather: High, 53; low, 50; rain. Daily Lessons in English % 1. corpon B e WORDS OFTEN MISUSED: REPEL and REPULSE are in most respects interchavgeable, with REPULSE being the mere-forceful word. OFTEN MISPRONOUNCED: Gondola. Pronounce with accent on ) | FIRST syllable, not the second OFTEN MISSPELLED: Envelop (verb.) Envelope (noun). SYNONYMS: Yet, still, besides, further, thus far. WORD STUDY: “Use a word-three times and it is yours.” Let us increase our vocabulary by mastering one word each day. Today's word: PROCLIVITY; natural disposition or tendency. “The boy had a pr‘u- clivity to steal.” by ROBERTA LEE 'MODERN ETIQUETTE O e Q. Is it all right to give checks for wedding presents? A. Near relatives can do this. And the check should be made out to the bride alone in her maiden name, or in the names of both: John and Ruth Jones. Q. When a woman is playing golf with a man, does she always drive first, whether the honor is his or hers? A. The woman must abide by the rules of the game, and she | arives first only when it is her honor. look forward to the time when the air arm will ke a mixture of what are called inhabited and uninhab- ited aircraft, which means ordin- ary planes flown by pilotg and guided missiles. But even that time is some years away. Eventually, and eventually means quite a™bit off, there may be a time when we may“even be in a third phase when guided missiles will have reached a stage of development far beyond where they are now, when they may be able to take over all or most of the job of the man-flown airplane. But we haven't even reached the middle stage where guided missiles can take over an important part of the function of the man-flown airplane. There are, however, some chan- ges that we can estimate at the end of this two year period for which we must plan now. The most important of these is the fact that the atomic weapons re- sources of both ourselves and of our potential enemies will increase importantly. This requires a major develop- ment in our planning. Heretofore| we in the Air Force have not been! able to think in terms of being able to use atomic weapons for| the actual battle lines. Now we can| think in these terms and must make our plans accordingly. This does not mean that this tactical operation is to become the main| task of the Air Force. The job of the strategic air command will not be diminished by this new develop- | ment. On the contrary the work of SAC will be increased because it will have more weapons it can use. R Incidentally, when thinking about | these various functions of the Air| Force we must not fall into the er- ror of ewhat someone "has called monogamous thinking—that is the notion that you can’t be married | to more than one idea at a time. ‘We must not think because we see of common planning and coordin- ation without interfering with the morale that comes from having separate forces. This is the way a lot of modern industry works. General Motors, for example, is a decentralized operation which thakes a lot of different types of cars with different names and gives a good deal of autonomy to the! managements of the individual companies. The same is true of the U. S. Steel Corporation and count- less other companies. It seems to me a better system than the one uniform-one service idea. But to make it work involves a lot of re- straint and wisdom on the part of those who are in the separate ser- vices, especially at a time such as the present when we are not at full war but where we are in phase of expansion, (Incidentally, when you get to the actual fighting front in Korea these problems of unification come ‘close to being entirely eliminated.) On the whole, I think that uni- fication is working quite well. The responsibility for seeing that it dobs work is at the top with the' service secretaries and the joini chiefs. The spirit of healthy rival- ry among the services cannot and should not be suppressed. But it is up to those in charge to see to it that this' rivalry does not get be- yond certain self-imposed limits. I think that this'is being’ done very well. It is being done Ly the“joint chiefs of staff and it is being done among the three service secretar- ies. Personally, I have never work- ed with more cooperative and fairminded colleagues than Secre- tary of the Army Pace, former Secretary of the Navy Matthews and new the new secretary of the Navy Dan Kimball. 3. It may seem that peace is not the busihess of the military es- tablishrgent, but I do not agree with this. 1 think that we in the United States have gone about this have to build a force which will{ protect the country from disaster | if our efforts fail and war comes. | | But this deterrent quality of our | force is something that we must and do have constantly in mind. Sports in Brief By the Associated Press GOLF At Bethlehem, Pa. — U.S. Walker Cup team defeated hand-picked Ca- nadian team, 10 to 2, in interna- tional match as prelude to national amateur championships starting Monday. ROWING At New York — Board of stewards of Intercollegiate Rowing Associa- tion selected” Lake Onondaga, Syra- cuse, N.Y., as site for 1952 regatta. RACL At New York — General Staff ($4.50) won the six furlongs Ben- sonhurst purse at Aqueduct. At Del Mar, Calif. Akimbo ($7.80) won the six furlong Ameri- can Legion handicap at Del Mar, equalling the track record of 1:09 3/5. {ing Thursday evening in Moose hall. | there will be a reception at the Q. Should ice cream, served in a sherbet glass, be eaten with the home of Mr. and Mrs. George|spoon or the fork? Messerschmidt, — parents ofithel _ 4 Tne spoon is used. bride. No invitations have been issued, but friends are invited to attend both the wedding and the recep- tion. It has been a busy week for the bride and her friends. A shower by A. C. GORDON LOOK and LEARN b for Miss Messerschmidt was given 1. Can you name three major U. S. cities whose names end in recently at the Bavard home by | ‘“polis”? . four hostesses, Miss Bavard, Miss| 2. If you wére a farrier, would you manage a farm, be an expert McDonald, Miss Patricia “Oakes and Mrs. Phoebe Ann Crass. The bridegroom arrived in Juneau a week ago today by Pan American| and tomorrow the couple will be southbound to re-enter Washing- fencer, or shoe horses? 3. What is the name that was given to a mythological flying horse? 4. What is skeet-shooting? 5. What is the difference in pronunciation between “fiance” and ton State College where Mr. Zinck | “fiancee”? will be a senior and his bride will be in her second year. ANSWERS: 2 1. Annapolis, Md.; Indianapolis, Ind.; and Minneapolis, Minn. WOMEN OF MOOSE 2. Shoe horses. WILL INITIATE 3. Pegasus. ; Initiation will be the main order 4. Shooting at clay pigeons which are thrown from different direc~ tions in relation to the marksman. 5. Both are pronounced the same. of business at the next meeting of Women of the Moose on Sept. 20, it was announced today. Senior Regent Jannet Francis pre- sided over the regular business meet- Committee reports were heard from | Crossword Puzzle | | [ oim[o[>|7] SATURDAY, SEPTEMBER 8, 1951 Six Soroplimists 100 Per Cent in Club Attendance for August The Soroptimist luncheon in the Gold Room of the Baranof Hotel vesterday noon was featured by committee reports on the activities of the club during August. Six members were reported as being 100 percent in attendance. Edna Lomen of the legislative committee reminded the club of the special city election to be held Sept. 18 when the matter of ex- tending the councilmanic term to two years would be voted upon. Dora Sweeney of the member- ship committee announced an in- itiation ceremony at the next bus- iness meeting. President Gertrude Wetzel called an executive board meeting for noon on Sept. 12 her office. O'Brien’s invitation to return to the Terrace Room for future lun- cheons with thanks. Baseball Stars By the Associated Press Batting — Johnny Mize and Joe DiMaggio, Yankees — Mize doubled in the tying run with two out in the ninth inning and DiMaggio doubled in the winning runs as the Yankees came from behind to de- feat Washington, 4-2. Pitching — Bob Feller, Indians — Registered his €2nd victory with a sevenchit shutout exhibition as Cleveland _defeated St. Louis, 7-0, after the Browns had won the opener, 4-2. — EMPIRE WANT ADS PAY — NOTICE TO CREDITORS Case No. 11-1699 {In the United States Commissioner’s Court for Juneau Precinct, Divi- sion Number One, Territory of Aluska In the Matter of the Estate of Wil- liam Frank Brown, Deceased. NOTICE IS HEREBY GIVEN by the undersigned, United States Com- missioner, as Ex-Officio Judge of the above-entitled court, in the matter of the Estate of WILLIAM FRANK BROWN, De- persons having claims against the said estate, to present their claims with the necessary vouchers and duly verified, within six (6) months this notice, to Louise Skinner, Ad- ministratrix, P.O. Box 2344, Juneau, Alaska, within six months from the date of the first publication of this notice. GORDON GRAY, United States Commissioner and = Ex-Officio Probate Judge, Juneau Precinct, Territory of Alaska. (SEAL) First Publication: Sept. 1, 1951, Last Publication: Sept. 22, 1951, NOTICE FOR PUBLICATION _Notice is hereby given that Wil- liam H. Ryan, has made application for a homesite, Anchorage Serial 017540, under the act of May 26, 1934 (48 Stat. 809) for Lot R, Plat of U. S. Survey No. 2391 Triangle Group of Homesites, Sheet No. 2, situated on Glacier Highway, ap- proximately 12 miles northwest of Juneau, Alaska, containing 4.23 acres, latitude 52° 23/ 30” N. longi- tude 134° 38’ W. and it is now in the files of the Land Office. Any and all persons claiming ad- versely any of the above mentioned land should file their adverse claim in the local land office, Anchorage, within the period of publication or thirty days thereafter, or they will be barred by the provisions of the statutes. CHESTER W. McNALLY, Acting Manager. First publication: July 14, 1951. Last publication: Sept. 8, 1951. inf The members accepted Manager | Probate | ceased, to the creditors of, and all} after the date of the posting of | INVITATION TO BID The Employment Security Com- mission of Alaska announces the Invitation to Bid for furnishing five thousand, (5,000) booklets of Em- ployment Security Law, f.ob. Ju- neau, Alaska. i Interested bidders may secure bid | forms and specifications by calling at the Employment Security Com- mission Room 314, Goldstein Bldg., or writing the Employment Security Commission, P. O. Box 2661, Juneau, Alaska. Sealed bids will be received until 10:00 a.m. Monday, September 10, 1951, and then publicly opened. JOHN T. MCLAUGHLIN, Acting Executive Director. ‘First Publication: Aug. 25, 1951. | Last Publication: Sept. 8, 1951. NOTICE OF MARSHAL'S SALE In the District Court for the Terri- tory of Alaska, Division Number One, at Juneau. Civil Action, | File No. 6424- A. ;E. E. NINNIS, * Plaintiff —vs— LLOYD L. REID and DALPHA J. REID, husband and wife, and UNITED STATES OF AMER- ICA, Defendants. UNITED STATES OF AMERICA, TERRITORY OF ALASKA, SS. Public notice is hereby given, that by virtue of and pursuant to the Judgment made and entered in the above entitled cause on the 16th day of August, 1951, and the Execu- tion dated August 21st, 1951, issued out of the District Court of the United States, for the First Judicial Division and District of the Terri- tory of Alaska, at Juneau, Alaska, in that certain suit entitled on its dockets” and récords as "Civil "Ac- tion, File No. 6424-A, E. E. Ninnis, Plaintiff, vs. Lloyd L. Reid and Dalpha J. Reid, husband and wife, and United States of America, de- fendants”, I have, on this 21st day of August, 1951, levied upon the following de- scribed real estate, situated in the Juneau Recording Precinct, in Ju- neau, Territory of Alaska, and more particularly described as follows, to- wit: Commencing at the Southwest corner of Lot One (1) in Block Thirty-Three (33), the place of | beginning, thence following the West side line of said Lot 1, in Block 33, in a general Northwest- erly direction a distance of 52 feet | to a point on the Westerly side line of said lot, being Corner No. 2, thence 50 feet in a general Easterly direction and parallel to the North end line of said lot to the point of intersection of the East side line of said lot, being Corner No. 3, thence following the East side line in a general Southeasterly direction, to the Southeast corner of said lot, being Corner No. 4, thence in a general Westerly direction following the Southerly end line of said Lot 50 feet to the Southwest corner the place of beginning; with all rents, issues, and profits therefrom, and all appurtenances, fixtures, at- tachments, tenements, and hered- itaments belonging or appertain- ing thereto, including -all heating equipment, oil burners, light and plumbing fixtures, window shades, linoleum which is glued to floors, refrigeration and other house service equipment, and trees and shrubs, together with all interes’ therein of the mortgagor that ic hereafter acquired by him; And that I will, accordingly, offer sald Real Estate for sale, at public auction and vendue, to the highest and best bidder, for cash, on the 25th day of September, 1951, at 2:00 o'clock P.M. of said day, at the front door of the dwelling house on and in view of said property at No. 707 Dixon Street, in Juneau, Alaska. Dated at Juneau, Alaska, this 21st day of August, 1951. WALTER G. HELLAN, United States Marshall, First Publication: Aug. 25, 1951. Last Publication: Sept. 15, 1951. i | CAPITOL and receive TWO "LAST OF THE A. HENDRICKSON as a paid-up subseriber to THE DALY ALASKA EMPIRE is invited to be our guest THIS EVENING Present this coupon to the box office of the THEATRE TICKETS to see: BUCCANEERS” Federal Tax—12c¢ Paid by the Theatre Phone 14—YELLOW CAB C0.—Phone 22 % and an insured cab WILL CALL FOR YOU and RETURN YOU to your home with our compliments. WATCH THIS SPACE—Your Name May Appear! (_———“_——1 -_— SMPmE WANT ADS PAY — cl\mlrmen of various committees, ACROSS 27. Frequently sty L Omnlmen! onea % l‘;‘gg‘m forth spire e L 8. Illuminati herald STRICTLY BUSINESS by McFoutton | | * tamimine , eilis 12. Chess pleces 39 Goddess of « | 13. City In Spaln 40, Looks to be 3 MERV 14, Notion 41, Far below the e 1 Greater g o0, 2 17. Growing trom 4. Scene of action (AIRIENN([T/OMO(V]UL[E] 4 e 19. Hindu god 52 Jury et [DlA[LIMA[V]R] EBBB 5 cent o A Malble see~ - 8 Gord Solution of Yesterday's Puzzie Plant of th 66. Eccentrie ro- § 2L e ey tating piece DOWN 5. Metric lana s { y family 57, Drove a nail 1. Feminine name ‘measure Gl 23. Valley in at an angle 2. Edible seeds 6, Bass horn" Hawalian 88. Den 3. Wrong Islands 59, Bitter vetch 4. Optical fllusion }_ S"g:;'“:"’:I = balance FFVF T T PP a 5 B 10 Buropean herb L T P R 16. Native met. . /// % 1 Mibatan moak Sign 0ld Engtish mldmn coin To a position i R i Oldest Bank in Alaska 1891—0ver Half a Century of Banking—1951 The B.M. Behrends the importance of strategic air, rearmament progru:ln WI;)h (,'l‘;_z"flti / .. 2. that tactical air is not important | reluctance. We would much rather ) —or air defense. And because there | be devoting all this money, »mater- W'. fi%////%fl 25 1B ;% sm::efia will be important new develop- | jal and erl_on to the things of | s 4 7 - b ) ol T&?;H? ments in tactical air we must not | peace. I think it is furh us xt‘? f:; flfl./%‘-a‘. o archalo i - | mber that peace is the ultimate | -af think that strategic air _and air df | met ; b Du : ol il I3 fly/// ..// 30 Neeeasity fense also are not of high import- | objective of all this. not | % A 33, London street ance. We must keep in mind all| have to worry about the negative g.- 7 ... 5 % 133 .. . seg:n%.'h::d the things the air force has to do | side of lhl_? question WCSU#C v.hc_rc B . L A i Es. gnlv:lner " and not let our enthusiasm for|is no one in a n«gonmble gn:)s]t }l]n‘ i....%/////‘.a.%////// 2. ar‘x,-.am-;‘r’r: me one blind us to the importance of the American military establish-/ 5 L LT : L 27 ‘mation the others. Fallacious thinking | ment, or as far as I know in mev C/////////////%fl-‘fl%fl fl‘ 'Sfi,‘.‘.‘"'“‘ along these lines must be avoided American government, who does | 544 / H E{‘t‘tlflz{hlld at all costs. lnol have the earnest hope and | ““. .. A Artificial 2. The word unification can be“ prayer that this military ‘f‘?rce or‘ - fl.. . R u;‘.t,],::."- misleading. The armed services|ours will never be used. We also . % TR P » Pearance in are not unified in the sense of its | have to think about peace in plan- | “Don’t rush me! 1 wor!:ed .lnrd for t_l:n"mckel and I'm not fl .. 55, 8y hhoeRy ‘peing one service in one uniform | ning the kind - of forces we are| spending it recklassiy! lokel Bank Safety Deposit Boxes for Rent COMMERCIAL "SAVINGS