The Daily Worker Newspaper, April 21, 1927, Page 2

“Big Four fraud of ‘ articles have dealt with the meth in misusing “mutual” assets to operate hand in glove with this powerful. combine. Four” is composed of the Metropolitan, Prudential, John Han- cock and the Colonial Life Insurance Companies. nent in financial and government circles have figured largely | Charles Evans Hughes, Governor Smith, Supt. of | /nsurance James A. Beha, Charles M. Schwab and Alanson B.| 4, Houghton are among those present. | in the series. (Copywrighted by The Daily Worker 1927) 3y CHARLES YALE HARRISON, ARTICLE X. If the reader has ever gone through the harrowing experience of having his life insured (and who hasn’t) he} will remember that during the “pre- liminary negotiations his agent mys- teriously reach and drew therefrom a black hound book. Peering into its 1 contents he announced that and such an age, insurance per thou- sand would cost so and so much. The Gambling Percentage. The rate of insurance is based upon what is technically wn as the American Experience Table of Mor- ta This is a compilation of death For example this ur- ate table says that if a prospect for y, 40 years of nd enough condi- age and is in a tion of health to pass a rigid medical examination, he will continue to live | for 28 additional years. A premium is then charged based upon the theo that if the annual per annum, the principal and interest at the expiration of the 28 years will equal the face amount of the policy. | The higher the amount of insurance, } the higher the premium. Figures Don’t Fit Now. Now all this sounds very scientific | and very business-like and very hon- | est. But it isn’t, for the following reasons: 5 | To begin with the Table of Mortality used by the “Big Four” is one that | was compiled in 1868. Since that time | the death rate has shot downwards | with a most gratifying speed. New| discoveries in medicine such as diph-| theria anti-toxin, the Schick test, the | ng out of yellow fever, insulin, | and new clinical devices and practices | together with modern plumbing and | sanitary conveniences have mitigated | against a high death rate. Charges As Much. But the lowered death rate means | nothing to the “Big Four” with re- gard to the lowering of insurance | costs. While it is true that a lower | death rate means a lowered cost of | operation, the millions of policyhold- | ers do not benefit by the saving in| death claims. An extremely obliging state legis- lature has permitted this fraud to be | written into the statutes and today | ‘ Swindle Legalized (Cees Fuller May by Legislature Past Events of Insurance Expose. This is the tenth of a series of thirty articles exposing the industrial” (weekly payment) life insurance. Overrule the Courts (Continued from Page One) the best upper class markets in Amer- ica, he has made a large fortune of | between $10,000,000 and $15,000,000 4 i jout of Packards. He picked up the Previous| car in the early days of the motor ods employed by the “Big Four’ | industry and has hung on to it ever the benefit of the banks whieh |since. The “Big| _ Fifteen years ago when he put up “his huge factory in what was then "| “the sticks” he was laughed at. But, Names promi-|today he is conceded to have the best marketing location in greater Boston, “Old-Fashioned American.” The governor, then, is a full-blooded merican go-getter, convinced to the very narrow of the justice and right- eousness of individual initiative and THE DAILY WORKER, NEW YORK, THURSDAY, APRIL 21, 1927 |Coal Mine Lockout Still ’ Drags Along 1 (Continued from Page One) companies in the United States, as intended by the Federal Trade Act and as specifically directed by resolution of Congress in 1919. The federal supreme court, with }only Justice McReynolds dissenting, | has refused to enjoin the commission | from carrying out that instruction, It has ordered the 22 companies led by | the Claire Furnace Co., and really representing the stee] and coal trusts, to deliver to the commission the in- formation required—provided the At- torney General ‘shall approve the questions asked by the commission, May Disclose Robbery. {176 Workers Were Killed While at | Work in New York | ALBANY, April 20.—One hundyved| seventy-six death elaims were filed! with the state labor department dur-| |ing March, according to a statement! issued today by James A, Hamilton, | industrial commissioner, This was the largest number of claims reported in any month in the las¥ year, and exceeded February’s total by 38. | The fatalaties included 101 which) eccurred in the New York City dis: | trict and 75 up-state. The greatest! increase was in the Buffalo district | which reported 36 fatal accidents or twice its monthly average. Caused By Falls, | SOUTH AND WEST SWEPT BY STORM AND B1G FLOODS Thousands Homeless as Result of Damage SPRINGFIELD, IL, April 20. — Nineteen dead, 100 injured and hun- dred of thousands of dollars prop- erty damage was the estimate today of the cost of the wave of tornadoes which yesterday ripped through [lli-| Lie in Liehknecht House in Berlin BERLIN, April 20.—The urn con- taining the ashes of Comrade Charles E. Ruthenberg fested last night un- der Red Guard in the Karl Liebknecht House, where it will remain until the last stage of the journey is started toward Moscow, where it will rest beside the Kremlin walls with other leaders of the world proletarian revo- iution. moron, not an up-state legislator. | “The Big Four” earn, it is true, 6| per cent on their bonds and stocks, | but what is illegally earned on the scores of millions of dollars in cash | which is rented out for call loans and | short term notes only the “mutual” directors know, High Payments. There is a mistaken notion current | among non-industrial policyholders that only a few cents a week is col- *\ lected from the poor in payment for his petty larceny form of protection. On the contrary, the average week- | forces. private property. With that he com-| On its face the decision loolkg like a) bines a certain degree of independ-j| victory for the people. It may lead} ence on the political field. Just as he | to discovery by the unorganized steel pioneered Packard in days when few | workers, for instance, as to how much could see the future of motors, so/they have contributed to the $200,000,- he backed Roosevelt in 1912 as finan-|000 stock dividend just distributed. | cier of the Massachusetts Bull Moose | The wage figures, if the commission Elected to the state legisla-|ever secures them, should show how ture and later to congress. He fought! steel workers and coal mines are for “clean government” .and against | exploited. petty graft, but never saw the impli- | But there’s a catch in the decision. | |cations of class-bossed government. | The fact that Chief Justice Taft de-| He cracked old Henry Cabot Lodge |livered it may already have aroused | |over the head as a “senile old whelp”| suspicions as to that. The court has and won over bitter machine opposi- | ruled that the coal and steel and allied ly payment family pays an average nois, snuffing out lives and filling | the hospitals with victims. Workers today were seeking to end the chaos left in the path of the! storm in the towns and villages struck | by the twisters. Greene county bore | the brunt of the cyclonic attacks, with | Carrollton the center. | Killed At Lunch, A vicious tornado struck Wrights, | near Carrollton, killing seven ‘per-| sons, eating their noonday meat, and | then wrecked a schoolhouse—the Cen- terville school near Carrollton --kil- ing the teacher, Miss Annie Keller, | 5 and injuring eleven pupils. | Forty-three of the deaths were} Impressive Demonstrations. caused by falls according to reports} When J. Louis Engdahl, editor of filed with the labor department. Three |The DAILY WORKER, arrived on persons were killed in falls from | German soil at Bremerhaven, with the ladders and scaffolds; five met death| bronze um containing the ashes of by falling down stairs, four fell to|C. EB. Ruthenberg he was met by a their deaths from windows. jcommittee from the Communist An eighty-six year old carpenter) Party of Germany who took charge tripped.on some lumber on the floor | of the urn. There was an impressive of the shop where he was working, | demonstration of Red Front Fighters bruising his ankle. His death, seven | the revolutionary military forces as days later was the result of erysipe-|the committee left for Bremen where las. | another demonstration was staged. In One worker met his death when he | Hamburg masses of workers and Red | fell into a vat filled with boiling | Front Fighters paid their respects to tion in his bid for the lieutenant gov companies started their fight against of $3.00 per week and in many cases much more. The writer knows of a widow living in Brooklyn who pays $10.00 per week. Durixfg the past ten years hordes of agents have terrified her with the threat that she will be penniless in her old age and be de- pendent on charity. During each ernorship in 1920. In 1924 he became | giving up their cost-figures at the |governor and since then has made| wrong point. It ‘tells them that in- |his peace more or less with the Bay | stead of enjoining the Federal Trade | State “machine” in the ways well|Commission when that body an- known to politics. nounced its request for detailed in- Patron of Arts. formation, the companies should have “gy. | To fill out the picture of the waited and let the Attorney General censor the questions of the commis- rived man,” successful in business and politics, well liked as a hale fellow} j} well met, Fuller’s conversion into patron of the arts must not be over It appears that the supreme court jlooked. The walls of his Common-/| thinks the attorney general's office | wealth Ave. home are covered with + will begin the safeguarding of the} spell of illness or unemployment she drops her insurance. By the time she is able to start paying again she is unable to meet her payments in ar- rears. New policies are then issued which means a total loss of her prey- ious payments. There are millions of dupes like this woman throughout the country. Last year lapsed policies which were sion first. Won't Ask Too Much {of a million dollars into a single pic-| commission, are “pertinent and law- | Miss Keller died a heroic death, | Forcing her pupils to lie flat on the| floor as the biack, funnel shaped cloud | roared nearer, she braced her body | against the door. After the storm had) beneath the wreckage of the school. Only three houses were left siand- ing in Buffalo Hart, were two per- sons were killed. eee ea Right Feet of Water. MEMPHIS, Tenn,, April 20.—Clar- the plunder of European art galleries, | interests of the steel manufacturers | endon, Ark., sogay. was covered wee In cultured Back Bay castles, he has | and coal barons. Under the law, it is | cight feet of water following a breal won a certain grudging standing be-|his business to exercise discretion as |" White River levee early this morn- cause of his ability to put a quarter |to which question, formulated by the | 8. ithe town of 8,000 population fled water containing an acid solution, the late leader of the American Com- Twelve deaths were caused Wy | munist forces. steam and electric railways, 18 by| Demonstration in Berlin. automobiles, six of the twelve wor Another demonstration was staged ers who died as result of railroad ac- |as the committee and Engdahl ar- | passed her bruised body was found | cidents were. atrnek ‘hy trains and e0- | iyed at: the Lehrterstrasse railway 8 | station here from whence the pro- In five of the 18 fatalities charged |cession marched to the Kari Lieb- to motor vehicles the workers were struck by automobiles. Explosions, electricity and fire | | were responsible for the deaths of 24; workers. Two boys one 17 and the! 9 ; $. |other 19, were killed when one threw | Let 8 Fight On! Join The Workers Party! |a lighted cigarette into a barrel of | |. In the loss of Comrade Ruthen- | shellac causing it to explode. | berg the Workers (Communist) Par- knecht House where the urn is con- stantly watchedeover bya Red Guard, | Elevator accidents were responsi- | ble for nine deaths, a complete loss to five million erst- while insurers totaled $1,143,436,575. iat: ful” to the proposed inyestigation.| their homes and tool refuge on the ted | courthouse hill, which is considerably | gs Sy LL (ty has lost its foremost leader and Imperialists Influence |the American working class its And on this deal alone the “Big Four” netted upwards of fifty million dol- lars. Policies Lapse. When the price of insurance is be- ing figured by the high salaried book- keepers of the “Big Four,” it is as- sumed that every policy will mature either as a death claim or as an en- dowment. In reality only about 15 per cent of | policies issued mature. What happens to the hundreds of millions from this source which have been piling fp years after year? Have they been, credited to the “mutual” policyholders | who have the infinite patience and | | gullibility to continue with the “Big of Four”? Certainly not. An interesting incident is related| Then he is supposed to defend the} jof him during the hysteria accom-| commission against any attempt of panying the Sacco-Vanzetti case. the companies to avoid answering the While squads of police were thrown | revised list of questions. about Judge Thayer and elaborate pre- | Won't Hurt Trusts cautions taken to convince the public} If Attorney General Sargent, who that the two workers were despera-!| was the village lawyer for the com- does of the worst type, Fuller im-/ munity of Ludlow, Vermont, has the patiently threw off the cops assigned | intelligence and mental energy need- to “guard” him against mythical! ed for this job oft improving the | | bombs. | weapons ofsthe Federal Trade Com-} Add to that the $2,000 given John | mission against the steel and coal| |Haynes Hoimes when his church in| trusts, nobody has ever yet seen him | New York burned down, and the fa-| display those qualities. |yorable side of tue picture is painted.| His record in the Department of Has | Justice is one of inaction and con-| sual Class Prejudices. nmigner than the rest of the city, or more than two hours after the break, the water rushed through the crevice at about 40 miles an hour,| washing away outhouses and barns and tossing pieces of furniture about|t9 daybreak today there were six left | Workers like corks, Telephone opesators during the} night warned all they could in the| vicinity that a break in the levee was| imminent. Due to precautions taken in sound- | ing the proper warning, there has| been no loss of life, it was believed. | » * 8 ‘Chang to Warlike Act |officers of the’ General Labor and jcommander-iy-chief of the National-) | staunchest fighter. This loss can only be overeome by many militant work. ers joining the Party that he built. (Continued from Page One) Fill out the application below and the Lunghwa headquarters and prior| mail it. Become a member of the (Communist) Party and wingers executed, which it is said| cary forward the work of Comrade brings the total of executions of al-| Ruthenberg. leged radicals to more than a hun-| I want to become a member of the dred, including some of the leading | Workers (Communist) Party. other unions, who were declared to be back of the recent strike. General Feng Yu-hsiang, | PION. ooo cngaee new|Address ..... Occupation ... The other side shows possession of all the usual prejudices of a member the American upper class. Capital- ism is the best of all possible sys- |fessed ignorance of virtually every-! Driven To Hills. jist armies, is making preparations to | thing under his jurisdiction. His ten-| ST. LOUIS, April 20.—Crumbling | move his forces southwards to Han- |dencies are reactionary and his rev-| under the terrific pounding of flood | kow, it is reported. Feng has more erence for millionaires is painful. It} waters in the mighty Mississippi| than 80,000 well-drilled troops ready A Conscious Swindle. tems, the road he traveled is open to After 80 years of experience insur- | eve young American, there is no ing tens of millions of lives these jclass justice in America, the courts companies still use an antiquated|can do no wrong. table of mortality which was compiled | in 1868. The “Big Four” have on record ajA keen judge of men, the governor varied death experience at all ages. | has undoubtedly seen through Thayer, The death loss per 1,000 at any in- the man, if he has been able to dis- This last conviction is ominous, He |has met Judge Thayer a few times. | dividual age is not a matter of guess |tinguish him from Thayer, the black- work—it is a mathematical certainty. | gowned representative of law and or- Company Saves Half. \der and respectability in the Bay this table of mortality which predicts | two deaths for every actual funeral is the law of the land. ..| Assuming that 1,000 men at 40|State. Billion dollar insurance companies | years of age insure their lives for $1,-|_ Perhaps he has not been able to. sre permitted to operate upon the |090 each. The old table of mortality | Perhaps he holds to the devastating theoretical lie that their invested | savs that at the end of the first year |theory, too, that to admit Judge Thay. capital will each $ 1-2 per cent inter-|9 Wil be dead. This means that the|er was prejudiced would be to over- est, whereas any moron knows that |1,000 prospective risks must agree to jturn popular respect for the Massa- these companies earn 6 per cent—any | pay at least $9,000 or $9 each in or-|chusetts judiciary. It may not occur mj der to cover the death-loss, Accord-|to him that workers will know the ing to the modern table of mortality | scurvy nature of the Massachusetts only 5 will die within the year instead,| bench no matter what action he takes of 9, thus reducing the death loss cost |on Thayer. |] | to $5 per $1,000. | Fuller is stubborn, too. Some people | They Cheat. |here who have followed him closely From the above it seems that any | believe he may balk when world-wide CHINA IN REVOLT i youly table of mortality which fails to pre- pressure is used to force his hand, is to tgs thay that the Taft decision | tells th® steel trust and the coal mag- nates they must devote some atten-| | tion, Steel Trust Obstinate This attempt by the commission to/ get at the truth of production costs of coal and steel was started in the days when Victor Murdock and the late William Colver were dominating | members of that body, and when they | | were completing their famous investi- | gation of the meat packing monopoly. It came just before the steel strike promoted by the American Federation jof Labor committee which was di- rected by W. Z. Foster. The steel | trust resisted the effort of the gov- | ernment to learn its production costs, at the moment when it was preparing to crush the strike. It still defies the power of organ- ized labor, and this decision merely | postpones the day of its test of power) against the Congress of the United! States. which beat against its walls for sev-|to join the Nationalist forces at Han- eral days, the St. John’s Bay ‘levee | kow. t gave way todayyand drove 5,000 per-| Concentrate On Hankow. sons in the vicinity of New Madrid, | Imperialist warships continue to Mo., to the hills, according to tele-|concentrate at Hankow. More than graphic advices receiyed fren Red| forty war vessels have their guns Cross field representatives here, | trained on the city, while many more New Madrid was practically desert-|@"¢ Patrolling the river between ed as the town became floodea and! W¥hu and the Nationalist capital, SS as ‘Son of Murderer of the situation was made sumewhat| critical when there was no concentra-| tion point available for the homeless. | The, refugees fled in all directions, | seeking high points out of the waters’ reach, « The break caused a territory 60 miles back of the Mississippi to be visited by the floods, the advices stated. German Proletarian Leaders Arrives Here Delay Notes. WASHINGTON, April 20.—Offi- cials here declared that Chiang Kai Sitk would have to prove himself in complete control of the territory now held jointly by the Nationalist fac- tions before the United States will credit his government as being the de facto government of the southern part of the e_country. Carroll’s Condition Unchanged GREENVILLE, S. C., April 20.— The condition of Earl Carroll was un- changed today, his physicians said. He is conscious, but can not take solid foods. Union Affiliation........... Mail this application to the Work- ers Party, 108 East 14th Street, New York Gity; or if ing - city, to Workers Party, 1113 W. Washington Blvd., Chicago, Tl. Distribute the Ruthenberg pam- phiet, “The Workers (Communist)! Party, What it Stands For and Why Workers Should Join,” This Ruthen- be#g pamphlet will be the basic pam- phlet thruout the Ruthenberg Drive. Every Party Nucleus must collect 50 cents from every member and will receive 20 pamphlets for every mem- ber to sell or distribute. Nuclei in the New York District will get their pamphlets from the District Office—108 East 14th St. Nuclei outside of the New York District write to Daily Worker Pub- lishing Co., 83 East First Street, New York City, or to the National Office, Workers Party, 1113 W. Washington Blyd., Chicago, Ill. WORKERS! PROTEST AGAINST Frederick Ebert, son of the late! - dict within 5 per cent of the actual | But while he might resent the activi- | death loss per thousand at any given | tes of “outsiders” and radicals, he age from 28 to 46, which covers 99 Cannot resent the pressure of the most per cent of the total insurance in| Conservative and influential WERer force, may be regarded as being used | class leaders of the state. And their for the company’s ends. And any| Pressure is applied principally be- Je whi ; it | cause labor’s united thunder of con- table witch predicts within 19 per cent demnation has struck fear into their i “7” | socialist president of the German Public Control of ‘Li | republic who murdered the leaders of Line, Boston, Defeated |the working class, including Karl | Leigknecht and Rosa Luxemberg, and | BOSTON, April 20.—Public control} who is editor in chief of the capi-| of the Boston elevated railway system |talist publication Brandenberg Zei- for the next fifteen years was de-| tung, arrived yesterday from Ham- DEATH OF SACCO and VANZETTI! | of the actual death loss is maliciously fraudulent, | | The “Big Four” charge 100 per cent | | more on death losses than they should. | Maliciously fraudulent is a mild term | to use in characterizing the operations |of the petty larceny insurance trust, a new pamphlet Including the discussion by outstanding figures in the | Communist International on | the great revolt in China by | STALIN hearts for the sanctity of the system. Labor May Force Appointment of Commission. “The clotid of labor indictment over the courts of Massachusetts and the rest of the country has been thin in || but one soon runs out of invective. | former years. But now it becomes BUCHARIN | Get Rich. | black and threatening. Knowing full MANUILSKY | In retrospect then, the “Big Four” | Well that the courts are a keystone in their system, these eminent bank- ers, lawyers and their intellectual lackeys realize that labor's confidence in the courts will be destroyed for- evet if Sacto and Vanzetti are electro- cuted. That is the reason for the panicky appeals to the governor for immediate action. | Will Fuller, too, see that fata) blow | TAN PING SHAN 15: On China Read Also THE AWAKENING OF CHINA. by Jas. H. Dolsen, | |assume an original premium charge twice as great as it should be and op- |erate under a system whereby 1 per jcent of all terminated policies each year are endowments and only 9 per |cent are death claims. |. Is it any wonder then that the “Big | Four” have a-reserve fund ‘of assets | of r ,000,000,000.0 Chcles Pod wab, faecaPg a |at the courts? Those in a position to| |and Albert Wiggin act as directors | know feel that he will. They feel that | on the Metropolitan? | if labor keeps up its emphatic pro- | The excuse offered by apologists |tests against the murder of its fel- for the “Big Four” is that these men low-workers, Fuller will act, appoint “mow high finance.” Thet is quite |ing a commission to review the entire | A complete history of the | awakening of over four hun- tyie but these hi-jackers have ag |°#5¢, Athi dred fice people. with fuch in eommon with the millions of Rly may happen within a few photographs, maps and orig- Weekly payment policyholders as a) Weeks. * | * * * Coolifge Gets Many Protests, Besides a number of cablegrams which he received from jrominent European writers and thinkers, in- eluding Albert Einstein and Henrl Barbusse, President Coolidge has for- warded numerous telegrams and let- ters asking for the immediate release weasel has with a hen. | i | inal documents, | | NOW 50 CENTS The | Hooch Explosion Kills 3. CHICAGO, April 20.—Three per- sons were reported killed in a myster- ious explosion on the west side of Chicago early today. It was the second such mystery blagt in that feated in legislature this afternoon. After several hours of debate, the House accepted the report of its ways and means committee of “next annual session” for the fifteen year extension bill. The action of the House defin- itely killed the bill in the 1927 legis- lature. It was reliably reported at the state house, however, that Governor Fuller has prepared a message to the legis- lature on the elevated situation for consideratiog during this, probably the last week, of the legislative ses- sion. Another bill regarding the elevated is pending, it provides for an in- vestigation by state commission. Government Ships Bone Dry WASHINGTON, April 20.—Bone dry order was isued to the govern- ment's Merchant Fleet Corporation to- day by President H. G. Dalton, He announced that members of the crows of government vessels, who are found to be directly or indirectly connected in the transportation of liquor or nar- cotics, will be summarily discharged and prosecuted, catiion of Linden, N. J.; the Italian Republicans of the anthracite region of Pennsylvania; the Italian Work- ‘Sleeping Sickness Cure | Epidemic berg on the Deutschland, Eighteen other business men accompanied him. Their mission is to ‘study American industrial processes with the object of getting more surplus value out of the working class of Germany who work in their industries. He would not comment up German affairs or upon the object of his visit. The so- cialist party officials would not com- mit themselves as to whether young Ebert would make a lecture tour under their auspices, INTERNATION ESOLIDARITA™ ‘ONY Dr. Farnell Announces) - PROVIDENCE, R. I, April 20.— Enephalius commonly known as the “American sleeping sickness” which has baffled physi- cians for centuries, has been effec- tively treated and in several instances completely cured by the use of iodine, according to an an ent iy by Dr. I’. J, Parnell, of this city, who has devoted many years to research work in that field, bay Bing pr Farnell exp! , “is, ve found, really the direct result of inflamation of the brain, due probably to a filterable Here’s How To greet the workers of the world The DAILY WORKER will print the names of individual workers and all working class organizations in its SPECIAL MAY DAY EDITION. | Here’s How Much { Individual names will be printed at the vate of $1.00 per . name. Organizations will be given a special rate of $1.00 ers’ Service Club of Akron, 0, All Ask Their Freedom, virus, The result of this condition has been small hemorrhages and per inch, Here’s When— The Lodzer Sick and Benevolent|water in the brain, Realizing that Assn, of Paterson, N. J.; Millinery | the solution of iodine required water, section within a week, the first DAILY R All must be mailed at once to reach The DAILY WORKER eters of Sacco and Vanzetti to Gov. Fuller April 25, All greetings arriving later F claiming eight lives. The debris was | of Massachusetts, Workers of the Cloth Hat, Cap and|1 put it into the blood ina concen- will be printed in following editions. ; g ine being L~ ne ive bein ia a aes among those who Be dave miiinaty Union of New York; Sacco-| trated state. Placed in the blood SEND ‘ grocer, his wife an y daughter, | for two framed-up Italian work- | Vi Defense Conference, of Ro-| stream, it took the necessary water REE TO 33 First Street \ whe lived over a store in the wrecked ers were Winfred Nicholas Donovan, | chester; New York local of Brother- | from the tissue of the brain reliey- G TINGS DAY NEW YORK building. Police believe an illicit still | professor of the department of bibli-| hood of Painters, Decorators and Pa-|ing the pressure there. The: iodine in the two-story frame building ex-|cal interpretation at the Newton Theo- ploded. j logical Institute; the Chandler Asso- + { : perhangers, and a large number of| also may have some effect upon the others, bald disease itseld,” —