Evening Star Newspaper, December 8, 1891, Page 6

2d EDITION. CONTINUED FROM 5th PAGE TRIAL OF DR. GRAVES. Mrs. Barnaby’s Poisoning Brought Before a Denver Jury. HASHIONABLE WEDDING IN LONDOR. An Outbreak by the Cheyennes Expected. RICHMOND TERMINAL AFFAIR TRIAL OF DR. Ss GRAVES. ‘District Attorney Stevens Details the Case for the Prosecution. Dexves, Cot., Dec. &—Distriet Attorney Stevens opened the case for the commonwealth im the Graves murder trial this morning. Mr. Stevens guve a graphic account of Mrs. Barnaby's life from the time of her marriage, her friendship with Dr. Graves snd final mis- understanding, her unfortunate trip west and death in this city. as given m these dispatches of few days ago. He then proceeded to show the jury upon what facts an circumstances he relied for a conviction of the commission of the erime by the slefendant. He said: “It isa fact, which we will establish to your satisfuction, that at the time Mra Barnaby reached Denver on this last fatal trip it wus her intention to take from Dr. Grates all the | v and money in his control ana invest Bid" tcoen fe tals city throngh Tr. 1 Wardell, jr., and that she was also. seriousty thinking of changing her will avd cut- ting off Dr. Graves, who was a beneficiary to the extent of $25,000, and also drawing an annual salary from ber ‘of £5,000. Weare prepared to prove that tho package containing the fatal ttle mailed in Boston was stamaped with stamps purchased im Provi- dence, and it is evident that thix was done for the purpose of misleading the recipient. “The address aud inscription on the package was ina di ‘ised ndwriting, which we are satisfied we will be able to prove to you is the handwriting of Dr. Graves. Mrs. Barnaby died on the afternoon of the 19tu of April last. Un the 18th Dr. Graves was telegraphed that she was ind to come at once. The doctor left Provi without telling anyone of Mrs. Barnaby's illness, started for Denver via New York, sto; off at several points along the ieaeed ca tel ccecan ek vebebed knee ea oe evening of the 24th when. lad he desired to do so, hecould have reached Denver on the morn- ing of the 23d. ss “He manifested the greatest indifference over the matter and told several conflicting stories regarding his tardiness. He was slow tocall on Mrs. Barnaby's daughter; did not wen go to the undertakers where the body was ‘prepared for shipment cust; avoided all i and relatives of the deceased and ap- peared worried when informed that Mrs. Barn- aby had made « new will. “On May 4 Dr. Graves was in the Larnaby mansion in Providence upon some business relative to the wili, and being pressed for an tion as to the cause ef her death he im the presence of Mr. Conrad and Mr. Hanson: ‘Now, Mr. Conrad, your wife is most anxious to get home and sce her babies, so take your wife, go Lome on the 12:39 train tonight and say that Dr. Graves sent that bottle, that it was good whisky when I sent it. and that I wili never deny having sent it. T will not, so help me God.” “then Dr. Graves sas: “The papers are run- ning out of powder waver grand jury wil be pest aor this will soon die out and be a thing of the past. You must call off the Pink- ertons, who are annoying me to death.” ‘Mr. Stevens then concluded: “Wo will show you, gentlemen, that Dr. Graves was the only Jerson in the world who could have any mo- tive for the destruction of this lady. We will show by circumstrntial evidence that this bottle of Powier’ solution was wepared and maiied by the defendant. e propose that this prosvcution shall stand upon its own merits without regard to what defeuse is interposed, and all we ask of you, gentlemen, is that you observe strictly the baths which you have taken during the course of rour examination to ullow zo sympathy, no prejudico, no fectiug other than impartially enforcing of the laws of the state to interfere with yoar verdict” AS PRESENT. ‘The Brillisut Marriage of Miss Cornwailis- West to Prince Hans Heinrich. Loxpox, Dec. 8.—Miss Mary Theresa Olivia Cornwallis-West, daughter of Col. Cornwallis- West, M. P., of Ruthin castle, Ruthio, and Mrs, Cornwallis-West. a famous society beauty, was married today at the historic Church of St. Margaret, Westminster, to Prince Hans Heinrich of Pless, who is best known MORE TROUBLE WITH INDIANS, Troops Ordered From Fort Keogh to Hurry to Cheyenne Agency. Hetexa, Moxt., Dec. 8§—Sheriff Jones and Deputy C. H. Thompson have arrived at Miles City with one of the two Indians they arrested at Cheyenne agency for killing cattle. The other prisoner escaped by jumping from a buckbosrd and making for cover. He reached the h pe pee gis Sen subsequently the sheriff was spoken by two In- dian police, with s message from Agent Tully, that a number of braves had gone to the hills with the fugitive and had sent in word that they wonld jight and that an attack on the agency could be expected at any time. ‘The Cheyennes are dancing against the agent's orders. Agent Tully sent a dispatch Sunday night to the commanding officer of Fort Keogh asking him to send troops, asan uprising is inev- ttable. The commander tele; hed de- tment headquarters at St. ul and st night orders were issued from thero to send troops from _ Fort Keogh to the Cheyenne agency. Since the or- der of the general land office allowing settlers who claimed prior rights on the reservation to make final proofs trouble bas been feared. Many settlers were in Miles City last week makin; final entries. The Indians heard of this ant will use all means to drive settlers from the reservation. The Cheyennes are fierce fighters and serious trouble is looked for. ‘Tho Cheyenne agency at which Gen. Tally is stationed is on the Lame Deer creek, about forty miles from Fort Keogh. The Cheyennes on the Tongue river, under his charge, number about 2,000. Porcupine, the famous leader of the ghost dance on the reservation last year andthe buck who made the _pil- mage to Wacker Inke to sce the lessia, lives near tho ugency. It has been known for some time that the Cheyennes on Tongue river were restless because of the Fesence of uquatters on their reservation, and n. Miles and Capt. Baldwin have mado re- peated reports of the danger of trouble arising fe om their squatting in the rich railoys of the | Resebud, the Tongue and the Laine Deer streams.’ Lame Deer agency, which is now threatened with attack, is without any means for resisting an attack, Capt. Thorne’s troops having moved froma their dugout early last summer. The twenty-second infantry is sta- tioned at Fort Keogh. zie A NEW TREATY WITH GERMANY. Duty on American Cereals to Be Redcced— ‘Other Commercial Agreements. Panis, Dec. 8.—The Journal des Devats says: “We are informed that Germany has just con- eluded with the United States a commercial convention by which thero will be an exbange between the two countries of the favored nation treatment. Tho United States will allow the free importation of German sugar in conse- quence cf this agreement, aud American cereals imported into Germany will pay only $34 in- stead of 5 marks.” Bruix, Dec. §.—The treaty between Ger- many and Austria mekes provision for a com- mon freight turiff on railways inside and out- side of the kingdom. In the preamble to the bill it is stated that “Germany's food produc- tion does not suffer from the incre needs of the country. Raw imports in 1890 amounted to 1.157,000,000 marks: in 1890 they amounted to 2, 120,900,000 marks. Manufactured exports in 1880 were worth 1,211.000,000 mar! in 1890 they were worth 1/256.000.000 marke. ‘The total exports in 1888 were valued at 3,352,- 000,000 marks: in 1890 at 3,409,900,000 marks. In order to benefit Italy without’ benefiting France the duty on Italian red wine for mixing with German wine is reduced from 24 to 10 marks. France = e: ports finished wines. The or on ordin: ry Wines is reduced from 24 to 20 marks, whicl will benefit France. Italy has granted similar reductions to Germany and Austria. ‘The duty on beer in cask is reduced from 12 liere to3 liere, and on bottled beer from 20 to 3 liere. Tho Clay treaty, being renewable annually, will enable Germany to exact concessions from America.” The treaties contain a clause preventing Ger- many from granting the sumo reductions to other countries or from still further reducing the duties. The sollverin is essentially anti- French. Germany has taken care to concede much on those grounds forming the staple French exports. The treaties will remain oper- ative from year to year after 1903 unless either party gives a year's notice of withdrawal from the agreement. There is a reduction of 12 marks on German duties on glass. Other reductions are hops, 6 mar! leather goods, 2 marks; fine leather, 5 marks: graphite, 18 marks; malleable iron ore, red pepper and ‘two-year-old horses, 10 marks; oxen, 9 inarke: young eattle, | mark, and wood, 10 pfennigh. On hardware there is an average of from 15 to 20 per cent. Mapnip, Dec. 8.—The new treaty makes a large increase in several duties and is a triumph for the protection which the tariff it iron, hardware, cottons, woolens, silks, brea stuffs, cattle and horses. The right is reserved by Spain to concede rates below the minimum to those nations consenting to reciprocity treaties with the Spanish government. Roxg, Dec. 8.—ihe new customs treaty be- tween Italy and Germany provides for a redac- tion in the duties collected by Germany on im- ports of raisins, olive oil, marbles, corals and oxen from Italy. In return for these conces- sions Italy grants a reduction in duties on woolen fabrics, iron, cloth, papers, pettery and china ware imported from Germany. a MR. MAYEBRICK'S SSURANCE. im London as a former _seere- tary of the German embemy, but who bas retired from the German diplomatic serv ice. There was brilliant guthering at the church of relatives snd friends of the con- parties. The most prominent guests the large mumber present were the and Princess of W: Many of s0- other luminaries were gE esent, Prince and — Princess Prince Pless XI, father of the Count Deym, the Marquis and Headfort, Count Hochberg. Jor ands host of other members of aristocracy. members of the dipio- atte corps in London were present, including ir. Henry White, secretary of the American "The bideumaids wete Lady Mary Sackville, cousin of the bride: Mise Shelugh West, Lady ‘Margaret Hare, Lady Letice Grosvenor, the Hon. Catherine Beresford. the Hov. Amelia Sackville-West and Miss Hrooke (cousins of the bride) and Lady Marguret Sackville; Count Hochberg acted as best wan. The bridal costume was an empire gown of white satin, edged with a cloud of «ilk malines tulle caught up with garlands of ora: soms. ‘The gown had a low bodve, « completed with an underdres# of silver em- Droidery im empire desgn. ‘She train, Sve yards long, was of brocade, draped from the shoulder with a silver collar. ‘The manteau was edged to correspond with the fourreau with tulle aud garlands of orange Dicesoma Giving a finished appearance to ike 1 twain was the quilled lining of white satin. Another feature of the toilet wos the vel of tulle show i with | silver The brocade which composed | ‘the was designed aud woven by one of the Lyons houses expressly ior Miss Wests ditess. As ornaments the bride wore acrown of diamonds. the gift of the bridegroom, and a necklace. buckince and aigrette and diamonds. —_—_ RICHMOND TERMINAL ELECTION, Annual Meeting of the Stockholiers Held ‘Today at_Iichmond. Spevisi Dispatch to The Evenin: Ricmmonv, Va., Dec. 8 —The Richmond and West Point Termins! held its annual meeting bere today and re-elected I'resident Inman and the board of directors pro forma. these gentie- men to hold antil the committee of examina- Norton i# chai man. makes its report. It is under- stood that fumaa will then step dows and out ani hat many cbangvs in the irectory will take place. Among the presen’ re Calvi S Bicice Satanel 1 onan, ' re if sud Danvilie vm > ad- to meet hete on the’ el Feady to report. ‘and Daz: condition uatii the terminal was with Cincinnati Southern and other big lines. [ae SPOILED BY FrUSLICATION. : ‘Why = New Trish Mus cen Granted iu the | 108., bid Bat Trimming Case. Parmapetruta, Dee. 5. —Judge Atcheson filed ‘an opinion in the United States cizcuit court Bostox ‘this morning granting s new trial in the Inst a r E hhat trimming case, in which tho goreinmient { it ® lectore last evening on “Recent Changes Srapestonione, She now trial wes crented bo- in Education,” his special topic pablications were wade in a number st., | 6234. Mic! is thought that the Norton committee | sas and Texas 1 per cent. The rest of the list It ts said that the | recorded mall aavances. wsie Company was rich and | figures were geuerally current, but at this wri ‘The Court Decides That the Company Must Pay the Amount of the Policy Loxpos, Dec. 8.—The court of appeais has handed down a decision in the matter of the Maybrick insurance case. The action was brought by the brothers of Mr. Ma; brick, ‘the Liverpool merchant, for whose murder by poison Mrs. Florence Maybrick bis wife, is now serving 1 life sentence in Woking ‘prison. They songht to recover on a policy for $10,000 issued by the Mutual Ki serve Fund Life Insurance Company on the life of the deceased. Mr. Maybrick made over this policy to his wife and she in turn made tt over to her lawyer, Mr. Cleaver, to cover the costs of defending her against the charge of murder. ‘The insurance company refused to pay the policy, and action was brought to compel it to do so ‘by the brothers of Mr. Maybrick, whg were the executors of hix estate. A peculiar feature of the case was that Mr. Cleaver ap- peared as co-plainti® with the Maybricks, though they were his most formidable oppo- while he was endeavoring to have their inlaw acquitted of the chucge of the master of the rolls, in giving the verdict, said that the insurance company must pay the amount of insurance to the executor of Mr. ja was only ¢ to them and not to the wife's assignee. a of law, he said, that nobedy claiming through a person in the wife's position could recover. The money therciore must be paid to the deceased's exec- utors, who must first pay tho creditors of the estate, aud then devote the balance to the chil- dren of the deceased. The wife's assignee, owing to her crime, could receive nothing. —_——_—_ IN WALL STREET TODAY, Trading Was Limited on the Stock Ex- change. ew Youx, Dec. 8—The dealings on the stock exehange showed no increase this morn- ing. Trading was limited ard, for the most part, confined to a few stocks, notably Missouri Pacific, Northern Pacific pre- ferred, sugar, Canada Southern Mic gan Central and Kansrs and Texas, The opening figures were generally higher, but the benrs renewed their raiding tactics in’ Missour; Pueific and broke its price from 56:4 to 55%{ in short order. ‘This bad the effect of causing rome reaction in the generai list, but it was all subsequently recovered under’ the lead of sugar trust except in St. Paul. Sugar advanced 1 per cent by the end of tho first Rour and “at tho. same time most of the other stocks were bigher than last night's figures. The Vanderbilts and the velopments at the meeting | Grangers were the features of the dealings in the hour to noou. Canada Southern was the most conspicuous, advancing 1 per cent, te lien Central advanced 144 and Kan- noon the thero is seme reaction. Salee, 134,200 Money loaned $a33{ per cent. Exe ly, posted rates, 4323/e485; actual rates, 4816 ibis for elxty days, and 484nd84i¢ for de wernmen Currency—6e, : dm coupon, 11934 bid; extended 2s, Harvard's Scope Extended. Dee. 8.—-President Eliot of Harvard THE PRESIDENTS MESSAGE. It Will Be Submitted to Conzress Tomorrow— Cabinet Officers’ Reports. The annual message of the President will be sent to Congress tomotrow. The official copies of it will be completed this afternoon. These have been written by Avaistant Private secre- tary Praden and Mr. Warren Young, one of the executive clerks. ‘This afternoon an officer of the printing of- fice took to the White House about fifty copies of the message, printed in proof form, which are to be distributed tonight between hero and New York for the purpose of get- ting the document to the press idly and safely as possi- Mr. ureing omer of the mansion, will leave the city at 4 o'clock this afternoon with these copies, which he will deliver to agents of the government iven to the T4 and press in those cities In Now York be. will. teal ‘The message is about eighteen thoasand words in length, and it will be sent by the Western Union Telegraph Company from New York tomorrow morning before the opening of commercial business to all of the distributing news centers of the country. This message is a little longer than that of last year. ‘The annual report of the Secretary of the Treasury wili be submitted to Congress on ‘Thursday and that of the Attorney General on Friday. pes AT THE WHITE HOUSE A Large Number of Persons Call Upon the Wresident Today. The President had a busy ay of it today. Callers were coming and going all the morning and the pressure did not cease until the hour for the meeting of the two houses of Congress wae cloee at baud. Thon the President had » breathing spell before the cabinet meeting, which lasted abont an hour. Among the callers were Senators Dolph Mitcheli and Felton, Representative Herman and Justice Field, who called ina body; Sena- tors Sanders, Cullum, Washburn and friends, Teller, Jones (Ark.), Paddock, Frye and Saw- yer, Representatives Dalzell, Lind, Lodge and Walker (Mass.) and Acting Secretary Spauld- ing, treasury. THE CABINET MEETING. ‘The cabinct meeting was attended by Secre- taries Tracy, Noble and Rusk and Attorney General Miller and Postmaster General Wann- maker. Secretary Plaine was busy at the State Department looking out for some reciprocity matters. Secretary Poster is ill and there is nc Secretary of War just at present. ‘Thus the cabinet was all present or accounted for +2 FINANCIAL AND COMMERCIAL, New York Stock Market. follow tie Kew ver Stock Murket, as reported ary, the orening and closing prices of ¥ special 1419 F street Washington Stock Exchange, Sales — Regalar call — 12 o'clock m:_U. 8. Elec- fic Light Scrip. $1,000 at 1uS%2 $8.75 at 108%. American Graphophoue, 50 at 5 erminent en S. 48, registered, 1 6 bid: 117% asked. U. S48, coupons, 1907, TTS Did. 1184" asked. District of “Columbia Bonds—Market stock, 7s, 3898, currency, 102 bid, — asked. 2hvear fund, 63, 1892, gold, 11}y bid, — asked. 20-year fund, 53, 159), geld, 105" bid, — asked. Water stuck, Ta," cure Tency, 1903, 125 bid, — asked. 0-year fund,68,gold, soz, Lit bid, asked. Water stock, 78, 1903,cure . ied. 3.008, 19z4,” fund, ‘cur- Fenc¥. 31z3y bid. 14 asket Sigh, reg. 2108, 189 1901. ive bid, — asked. Miscellaneous ssonds—-Washington and George- town Katiroud 10-40, 68, 104 bid, -— asked. Wash ington and Georgetown 135 bid, ~ asked. & $8,108 vid. — aake anys Tse dg, Teaeieit, | 110 asliington Market Company imp. és, 114 bid, — asked. American Security and ‘Trust Cou: pany, Sa, 100 bid, — asked. — Washing- ton "Light Infantry” ist mortgage 63, 1903, 197 bid, — asked. Washington Light Infantry 24 im, 98" bid. — asked. Washington Gas Com. ny, seriee 127 bid. -~ asked. Wash ington Gas Company, series B, 6s, 125 bid, —asked. Washingtou Gas Company’ Converti- ble ds. 1901, ld4v tad, 150 asked. kekingtou Kail- Toad 63 ‘yS bid 98 asked. Chesap ce and Potomac Teleplune mortgage Ss, *— bid, 304 asked. Cupite!l and North U Street Railroad let Mortgage S4. 105 bid, 114 asked. Metropolitan Railroad Convertivie Gs, 115 bid, 121 asked. U > Electric Light Convertivie 58, 106% bid, 110 asked Abascustia Kaliroud 102 bid, 103 asked. National Bank stc Lankof Kepublic, 290 bid, — asked. Metropoliiau. 265 bid. 285 asked. Central, 300 bid. — asked. Farmers al Mechanics’, 190 bid, —- asked. Citizens’. 170 bid, :s9 asked. Colam- bia. 150 bid. asked. ‘Capital. 124 bid. — asked. West End, 96 vit % asked. Traders’, 112 bid, — asked. ‘ineoln, 95 bid, il asked, Ohio, 97 bid — asned Kallroad Stocks — Washingtor atd Georgetown, 26 bid, ake Metropolitan, 90 bid, 96 asked Columbia, 69 bid, 7zasked. " Capitol ‘and North © str i, — asked. Eekingtou and ‘Giusked. Georgetown and bid, c¢ asked. Rock reek. 100 insurance Stocks—Firemen’s, — bid. 58 asked | Franklin. 50 Lid, 6) asked. National Uniou, iT Corcoran, 6 ‘tocks—lteal Estate Titte. ul 181 did, us asked. Columbla Title, 64 bid, 6% asked. Gas and Blectric Light Stocks-— HY bid. 44 asked. C.S. Electric Light, 146 old, 150 asked. Georgetown Gas, 43 bid, asked ‘Telephone Stocks—chesapeake and Fotomac, 50 Washington Gas, bid, 6asked American Graphophone, 6 bid, 54 asked. Miscellaneous Stocks—Washington Market Com- pany 17 vid, Ked. Great Falls ice Company, 126 bid, 150 aske Bull Run Paporama Company, Fueumutic Gur 15 bid, 40 askea. Carriage, 3 Bid, asked. ‘Lincoln Hall, , 160 asked. Interocean Building Compaly.— vid, 105 asked. Ivy City. Brick Compauy, ~~ bid, 100 asked. Safe veposit und trust ton van atid Trust Company american Security and ue Washington lle bid, — asked “Ex. dividend. ——— Barnmore Marnets, BALTIMORE, Dec. 8.—Vlour steady, unchanged. ccelpls, 1,282 barrels; shipments, 61,071 but- es, UIs barrels. Wheat sttoag— Osi: December, 1.053 LOyalOS; February. .uTigaluTks May, L10Ka 1.10%; Steamer, No. 2 Ted, 9—receipts, 75,227 Dusheis; shipments, 141,147 bushels, stock, AMe9 000 ‘ousitels Southern" wheat alos Longberry, 1vales. Corn unsettled and higher—mixed, spot, 6 asked, year, 6 asked; January, S8\aSs%.; February, siUasig: March, S4a514; steamer nixed, 564)—receipts, ‘bushels; shipments, 44,145 bushels: stock. 144,655 bushels; sales, 103,000 bushela. Southern corn active—white, 48259; yellow, 50a89. Oats firm, with good demand—No. 2 white western, 403, asked; No. 2 mixed western, ssyase—recoipts, 7,000 bushels; stipmeuta, none: stock, 128,944 bush- ela Rye ai and weak—No. 2 ¥i—receipts, i4a7 bushels; nipmenis, ne; stock, 150,527 Dushels. “May strung, active—good ly to choice timothy, 13.00a14.00. Grain freights quiet ud steady, unchanged. Cotton—middiing, nomi- nal, 7%. islons GTm—niexs pork, 31.00; rest unchanged, Butter steady, ‘nchatiged. ” Reus firm—ti. Coffee steady —Hiv cargoes, tair, 17; No. Sisyaie Sugar stron arm ated % Copper firm, unchange hisky tirm—1.23al.: Peanuts unchanged. BALTIMORE, Dec. 8—Virginta cousols, 40 vid: do. ten-forties, 25 vid; do. threes, azo; Baltimore and Ohio stock. Si as53y, ex-dividend: Baltimore and Ohio Southwestern firsts, 102 bid; do. rst incomes, 75. bid: do. second ‘tneomes, 82 Did; Consolidated gas bonds, 113 asked; “dé. stocks, Sas. pitas SAREE: Dreraict Parexrs.—Patents have been issued to citizens of the District as follows: Jacob J. Souder, dumping car; John W. Schlosser, trol- ley for electric cars; Bernard P. Mimmack, guard for shutter fasteners; Harriet A. Emery, wig frame; Harrison B. Browne, hub-attaching device; Louis Bagger, fountain swab for gan barrels. A design for a spoon has been granted to Alice J. Dempsey and a trade mark to M. W. Galt, Bro. & Co. for Anives, forks, spoons and other gold, silver and plated articles Capt. Miller Better Today. Capt. James M. Miller, who was shot by Po- iceman Barns several wecks ago, was uble to feels much better than he B. SHEPARD WHITE. His Trial for Forgery and Embezzlement Continued Today. ‘TESTIMONY BY MESSRS. MATTHEWS, HYDE, CON- ‘ROY, ALBREE AND EZMPLOYES OF THE BANK AT WHICH THE ALLEGED FORGED CHECKS WERE PRESENTED—THE JUDGE ASKS SOME QUESTIONS. ‘The trial of B. Shepard White on the obarges of forgery and embezzlement was continued in the Criminal Court this morning. It was be- gun late yesterday afternoon, but little was done beyond securing » jury and the stetement of the government's side of the case. When the cose was called this morning White was already in the court room. The atténd- ance was by no means largo and very few of ‘White's erstwhile friends were in the room to hear the story of*his fall from grace. ‘White seemed cool and rather sanguine. He has lost somo of his old-time jauntiness of manner, but hie subdued demeanor is not at all unbecom- ing tohim in his presen awkward predica- ment. ‘The special panel of the jury which is hear- ing the case is made up as follows: Henry J. McLaughlin, James Murphy, Jobn Hogan, Wim. Whelan, Marsball L. Smith, James M. Hilton, Milton 'E. Smith, Theodore Heilman, James Nolan, Anton Heitmuller, Harrison §. Barbour and W. H. Houghton THE DISTRICT ATTORNEY'S OPENING. Mr. Cole made the opening statement to the jury yesterday afternoon. He held in his hand three checks when he arose to spenk. In brief he said that the crime with which the defend- ant was charged was the forging of C. B. Albroe’s name to two and John Herbert Corn- ing’s name to the third cheek. There were nine counts in the indictment to each of the three checks, The defendant at the time of the occurrence was in the employ of Mr. Corning, who had bus ness relations with Mr. Albree. Albree business was the crection of fire escapes, and there were contracts for him tc place escapes on the Louise Home and on the Arlington Hotel. A check drawn for payment on account was presented to Lewis Johnson & Co., though drawn on Riggs & Co It was signed by Corn- ing and by White, and as the bank was un- willing to cash it withant Mr. Albree's name it came back a fow days Inter signed by C. B. Albree. ‘The prosectttion claimed that the two names were forged by White. The other two checks were treated in much the same way All three checks are drawn on Riggs & Co bank. The first is dated May 1, 1890. It is to the order of Jno. Herbert Corning, per Albree, agt., for $200, and is signed by A Hyde, secretary and treasurer of the Louise Home. It is indorsed with the names of J. H. Corning, C. B. Albree, agt., and B. Shepard White. The second is dated May 16, 1890, 0 the order of C. B. Albree, and is the ‘same aa the first ex- cept that it does not bear Mr. Corning’s name and is for 2356. ‘The third check is for $500, dated June 28, 1890, to the order of C. B. Al- bree, and is signed by Anthony Hyde and C. M. Matthews, trustees for the estate of the late Mr. W. W. Corcoran. THE FORGERY DENIED BY COUNSEL- Mr. Geo. K. French's address to the jury on behalf of the defendant when court was opened this morning was of the briefest description. MR. FRENCH FOR DEFENSE. Ho said that the indictment charged forgery. ‘The testimony of the government's witnesses would show that the crime wae not forger: Beyond this the story of the defendant, which would be somewhat in the nature of a confe sion, while admitting that there bad been crime committed. would show that it was not forgery. MR. C. M. MATTHEWS, ‘The government then placed the first witness on the stand. 1t was Mr. C.M Matthews. He testified that Mr. Anthony Hyde ana himself were trustes for the Corcorar estate. The Arlington Hotel was a part of the estate and as such they had charge of it _Albree, through Mr. Corning, had contracted to erect fire es- capes and #tandpipes on the hotei, and witnese said he gave to Mr. White on the 28th of June, 1890, a check for $500 on account of payment forthe work The check was sizned by nim- self and by Mr. Hyde us trustees. This check, ©. M. MATTHEWS AND ANTHONY HYDE. as well as the original contract with Albree for the construction of the fire escapes, was placed in evidence. The cross-cxamination developed the fact that the witness did not know whose hand- writing was on the contract. It was indorsed by White, and he was the only one witness ever saw with reference to the business transaction, until after it liscovered that all was not right. The came back in the regular course of business. MR. ANTHOSY HYDE Mr. Anthony Hyde, who was the next wit- ness, identified the other two checks as signed by himself as treasurer of the Louise Home. ‘They were for $200 and $356 respectively, and were in payment of the work of the fire escapes on the Louise Home. The checks were re- turned and charged up to his account in the bank. Mr. Hyde further said that he bad had but little personal business with White and would not have recognized him if he had met him on the street. This closed his testimony, and, as Mr. French had no questions to ask, Mr. Hyde and Mr. Matthews were excused and at once left the court room. CHESTER B. ALBREE. Chester B. Albree, the manufacturer of fire escapes. of Allegheny City, Pa.,was put on the stand and described his business relations with Mr. Corning. through whom he first met B. Shepard White. He did not come on person- ally to superintend the work on the Ariii mn and the Home. The work was done through his agent, Mr. Corning, who received @ commission on all work secured. The actual work of construction was done by workmen who were employed by the witness direct. He sent on his foreman from Pittsburg and he se- cured additionai labor here. Mr. Albree said that he receiyed'-no money for the work on the Arhn and the Lonise Home, and in June, 1890, he made a requisition on Messrs. Hyde aud Matthews, through Mr. Corning, for a al ‘ment on account. He learned from his about the 1ith or 12th of July that the accounts had been paid. The checksth at bore Mr. Albree’s name were handed to him and he was asked it he knew in whose handwriting they were. He said that he did not know, but he was confident that his name jot in’ his own handwriting. e- Coie oe said, he had received 2 check from Mr. ing for the sum of the checks that wero in ate. Mr. Albree said that he was familiar with White's handwriting, and that in hié opinion the indorsement of White's name ‘ou tho back of the check was in the defend- ant’s handwriting. Lie gentry te bern that he workmen thr; foreman, Bur~ bt Corning, in June, for a remittance he received no . Corning was in New dat ‘Mr. Llewellyn Washington, who was the pay- teller at Lewis Johnson & Co.'s bank, was to the stand. He identified the check out next morning. The second check was placed to the defend- ant’s credit on May 17 in the witness’ own handwriting. ‘The {500 check was credited on June 30, White's entire credit on that day ing $560. Mr. Washington identified White's iguatare on the back of the checks iggs & Co. paid the money for the checks back to Lewis Johnson & Co., but the witness did not know that the latter firm had ever paid Albree or any one else the sum involved in those checks MR. JOHN RERBERT CORNING. Mr. John Herbert Corning, in whose employ White was at the time of the alleged forgeries, was noxt called by the government to testify. He described the business arrangements that existed between Albree aud himeelf. Mr. Corn- ing would secure contracts for iron. work, Mr. Aibree furnishing the estimates upon’ the figures given to him from the Washington ice. Mr. Corning stated that he first became ac- quainted with White in 1887. ‘The latter was a is employ with an ides of learn- ing the business generaily. He received weekly salary. White, he said, was acting in his interest, presumably, in the work of putting the iron fire escapes on ‘the Arlington and the Louise Home. ‘The work was fuished in July or August, and he rememberod that he said to White that owing to the delay in veer | the work he would not ask for a payment anti after it was finished, as he did not wish to make any more trouble than he could help. In the spring of 1390 witness was away for abont six weeks, but he had a conversation with White in his office about the progress of this work. Nothing was said about any > ment having beon made nor did he ever author- ize White to make any demand upon Messrs. Hyde and Matthews for a payment. As to the checks npon which his name was written Mr. Corning said that he had not written the name, did not inow who did write it nor had he ever authorized any one to sign his name upon the back of those checks. Mr. Corning said he was acquainted with White's handwriting, xnd identified a letter which he received on July 12, 1890, as having been written by White. While tho counsel for the defense wus looking over the letter Mr. Corning stated that he bad paid Albree the money for the checks. He received this from Lewis Johnson & Co. through his attorneys and transmitted it to Albree. Mr. Clagett then read the letter which White had written to Corning. It was the one that hae already been published, in which White stated that he would soon be at the bottom of the Potomac. He regrctted that be had signed Mr. Aibree's name, but had done so with the expectation of being able to refund the money. 1. PERCY SYERS T. Perey Myers, a clerk in Lewis Johnson & Co.'s bank, followed Mr. Corning upon the stand. He identified the first check as one that had been presented to him on May 1 or 2, 1890. as to whether it was properly in- dorsed. He returned it. for — Albree’s signature to make it correspond with the face, as it was made payable to Albree per Corning, agent. White stated that Mr. Albree was not in town and could not be reached, but tho check camo back that day or the next with Albree’s name on it all right. MR. FRANK H. BARBARIS. Mr. Frank H. Barbarin, who was at that time @ bookkeeper with Lowis Johnson & Co., keep- ing the individual ledgers, testified that after drawing a check for $400 on July 11 White still had a credit of €82.13 on the books. Witness showed from a copy of his ledger the stv- eral. dates upon which White's account was credited with checks. Thisfirst credit was for 2200, on May 1. The check bore the bank’s stamp of May 2, but this was usual, as the checks are not gen ally Stamped until they aro sent out for col- lection. Mr. Barbarin explained how the firms of Lewis Johnson & Co. were composed. This concluded Mr. Barbarin’s testimony and Mr. Cole announced that it also closed the gov- ernment’s case 60 far as they could then tell. It was by this time 12:15 o'clock and at Mr. Cole's suggestion a recess was taken until 1 o'clock. When the court convened after recess Mr. Clagett announced for the government that their case was closed. WHITE TELLS HIS OWN STORY. B. Shepard White was then placed upon the stand to testify in his own behalf. He was fairly calm and collected and gaye his testi- mony in a clear and concise manner. He gave hisage as twenty-three and told how he first became connected with Mr. Corning in a business way. With reference to the first check White said that he was asked by Mr. Corning about the progress of the work on the fire escape and told him to go to sec Messrs. Matthews and Hyde and get a check on account. Ho dit so and Mr. Matthews refused” until he was given a certificate from the inspector White said that be saw the ispector and the certificate was furnished. Mr. Corning was in Loston when Burgin, Mr. Albree’s foreman, asked for 350 to pay hii workmen. White did not have the money in the office and the two went to see Mr. Hyde. The latter gigteed to furnish a check. White said =200 would be enough for him then, and asked Mr. Hyde to make out the check in such a manner that he could cash st. He testified that he had general supervision of Mr. Corning’s business in his absence, Mr. Hyde drew up the check in a peculiar manner. It was payable to Corning per Albree. Witness spoke of it to Mr. Hydo and the latter said that if he was Mr. Corning’s legal representative he could get the money on it. He took the check to th bank and the teller said that it needed the is dorsement “Agent.” Later in the day he id Mr. Burgin some money and returned the ‘check to the bank properly indoreed. Mr. Corning had his account at Riggs & Co.'s, but White said that he did not deposit the check to Mr. Corning’s credit, but to his own, because while he could deposit to Mr. Corn- ing’s credit he could not draw on his account, and he thought he might need the money in the business before Mr. Corning came back from Boston Ww. New York on business about this time, and while he was gone drew out most of this money for his expenses. He then called for another check and inasmuch as he had had some difficulty in cashing the first he asked that the second be made out to Mr. Albree, as Mr. Corning was Mr. Albree’s legal representative and in his absence White acted for him. #E WENT TO KENTUCKY. White, teiling the story of his departure from Washington, said that after making come trifling purchases here he took the train and went toKentucky, where hada friend. Anofticer met him and asked him if he B. Shepard White of Washington, and he said that he was E. Franklin White of New York. Near Lexing- ton he was arrested on the train. The officer told him that there was no indictment against him there and he could not hold him, but White agreed to come back without making any trouble. White saud he did not finally decide to leave town until he was at the Belvedere Hotel. His letter written there was false and the ex- planation in it that he had given, in that he had handed over all the money to woman, was not true, ats his checke would show. ‘They were all paid out in business tranzactions. Pee EO The Macadam Pavements. Capt. Rossell has just completed the final set- tlement of the shortages found in several of the macajam streets and roads with the result that the deposit of the | CAPITOL TOPICS ‘Items of Interest in Regard to Both Hoeses of ‘Congress. There will be no trouble resultant upon the fact that Senator Sherman, es chairman of the Fepublican caucus, gave but one place on the caucus committee tu a northwestern man, bat ‘the Senators from the new states have ex- pressed a desire to be fairly represented, which means that they think they ought to have two men on the committee. New England has two ives andthe big northwest hasan idea, which some folks regard as well founded, that the northwest is entitled to as much as is New England. DEMOCRATIC SENATORIAL CAUCUS. ‘The democratic Senators at a caucus held this morning unanimously re-elected Senator Gorman chairman and Senator Faulkner secre- tary of the caucue for the ensuing term of Congress. A committee was ted to fill the vacancies in the minority representation upon a committees, after, which the caucus adjourned out an: other matters whatever. ee SPOLIATION CLAIMS. ‘The Court of Claims today sent to the Senate the findings in certain spoliation claims sub- mitted to the court under the act of Congress of January, 1885. The names of the vessels and their masters and the several claimants, together with the amount claimed in each case, are fally set forth in the document. ——_—_——--______ MAJOR OVERMAN IN ARREST. Ordered to Fort McHenry Pending Investl- gation of » Charge of Shortage. Maj. Lewis C. Overman, engineer corps of the army, is now under arrest at Fort McHeury in Baltimore, awaiting the result of en investi- gation instituted by the War Department into the state of his financial accounts. He has until recently been in charge of the | public works at Cleveland, Ohio, but was or dered to Washington to take charge of the works formerly directed ty Colonel Peter Hains, who was relieved from duty here because of the social complica- | tions arising from his son's troubles at Fort | Monroe. Major Overman had been here about a week and, it is understood, the examination of his accounts, made necessary by the trausfer of his work to Col. Smith in Cleveland, revealed a considerable shortage. Abasty consultation was held yesterday in the office of the Acting Secretary of War, Gen. Grant, between himself, Gen. Schofield, Gen. Casey, chief of engineers; Gen. Kelton, adju- tant general, and Col. Lieber, acting judge ad- vocate general. The facts of Major Overman’s sh , a8 far as known, were discussed, and it was j determined to order him ‘under arrest at Baltimore. An officer whose name cannot now tained, was sent to Cleveland for the purpose of investigating the case. No charges have as yet been preferred aguinst Maj. Overman. SE Bek ES THE CASE OF LE COINT. His Counsel Ask a New Trial for Several Rensons Set Forth. George Le Coint by his attorneys, E. H. Thomas and Leon D. Geneste, filed a motion today for a new trial for the following reasons: That the rdict is contrary to the evi- dence, that the verdict is con- trary to the weight of the evidence; that the verdict is contrary to law; that the court erred in its rulings during the trial im admitting and excluding evidence, and in its instructions to the jury, as it appears by ref- erence tu the exceptions taken at the trial. For errors noted in the bill of exceptions and for the reasons set forth in the suid bill of ex- ceptions. For misbehavior of the jury. ‘That new and material incts, unknown at the time of the trial and not ascertainable by rea- | sonable diligence by the defendant have come to light since the trial. That the verdict was obtaind by surprise. Counsel also asks that the verdict be sct aside and anew trial granted for the reasons set forth in the bill of exceptions. OLD MATERIAL Capt. Lusk recently wrote to the Commis- sioners requesting instructions as to the dis- position of certain old cast iron pipe, &c., ae- cumulated in changing the water mains, &e. for the Washington and Georgetown Railroad Company, on account of construction of the cable road. ‘The Commissioners promptly sent the matter to the attorney for the District for opinion. ‘This opinion was submitted today and sa: This old material, as I understand it, was and is the property of the District govern- ment and in such case can only be disposed of according to jaw, and in the absence of a con- tract made with the railway company that this Property was to go to them in, consideration of replacing the same with a better material, it is still the property of the District and the Com- missioners have no right to give it away. The case presents strong equities, but the questi of authority is the only matter, and not one of equity.” WANT 10 USE THE EMERGENCY FUND. The Commissioners have written a letter to the first controller asking permission to use the emergency fund for the repair of the boiler house at the Reform School and the In- dustrial Home School, which were damaged by the recent heavy storm. ae Suit for Attorney's Fees. Wm. Fitch, trading as Wm. Fitch & Co., asks an injunction to restrain John Hoffman clare $24.43 (25 per cent) to be a» lien of defendants on the draft, &c. The bill, filed by W. G. Johnson, states that com- plainant has prosecuted defendant's claim for the use and occupation of his farm and for timber, &c., taken by the military aathori- ties, ‘and’ has already received $6,000 on ‘account. He states that on September 30, 1885, he entered into an agreement with de- fendant to prosecute his claims for supplies and on February 21, 1890, @ judgment was ren- dered for $9,774, and he’ states that defendant rofuses to give him a power of attorney to re- ceive the draft or to pay him his commission. pics emma Haven’t Got the Money Yet. The lawyers for the small colored boy, Augus- tus Williams, who was acquitted in the Criminal testified that he was obliged to go to | Court yesterday afternoon on the charge of | stealing a considerable sum of money from the | large circus giant, Col. Nelson, appeared in court this morning and asked for an order for the return of the moncy that was feand on Augustus when he was arrested in this ctty. fudge Bradley was a little slow in acceding ion that the money belonged to Col. Nelsoneven if the jury did bring ix. verdict of not guilty for the small boy. Judge Bradley said he would dispose of the matte: finally tomorrow morn- ‘ing. HE TREASURED BKAZILIAN SOIL. A Pathetic Secret of Dom Pedro Eevealed— The Obsequies, Pants Dec. 8.—-The body of Dom Pedro, the ex-emperor of Brazil whosdied on Saturday morning at his residence, the Hotel Bedford, in this city, was placed yesterday in the coflin obsequies in this city, it will be conveyed to Lisbon and interred in the family vaul One trait of the gentle-hearted old man died so far from the land be ruled over #0 for f 34 5 fet i A if all differences have been nettled and the Dis- trict docs not love cent by the transaction, bat has been patd in fall for all shortages found in Stolen Watches Recovered. In June last Mr. P. Sullivan's residence, and Grant streets, was robbed of two watchesand they wererecoved a few days by the McDevitt detective agency, having pawned. EE Be iii Fl g £ if [ ri i g y H of the intensit; cx-emperor entertained in his his country. Ii ever, snd Wi H AH ‘a i 8 F b uy z : | f F i } t & i | f i i z 1 rie i | f He TE i Se as ae ee a | cones pecarames iets seed ae to the request, for he seemed to be of the opm | Legitimate Mutual Life Insurance AND THE Investment or Toutine Variety. ‘Mutuality means equality of burden and of beneftt; the same cost to each man for the same thing. tere is no favored class. Tt aleo means that the policy holders of e eompant are its only members. They dispense with the services and save the cost of astock capital; they.as | Scorporate body, contro! the business themselves, take all the risks themselves, save all the profits for themseives, and so do the business for the whole Dumber at its exact cost, and do it for each mem- pachgndewe Proportionate share of the total cost. Xo pay the full, exact cot Raven arvuarafausmeshoct be meena Tisk carried at its Individual cost, Le, its indi Ror one to Teas wes es tub the eBfortupate b) « ae aad sithout consideration, wien it a found tanpowrite to raise the toner for prem ume, and the Objert af the game im alleged to be tne ‘Tors sm A pay very small divivepde 10 corral term of years called a “Tontine Pe Wise every man te lentiy it Is a gat " te are to come ou se who ane, oF WRO too poor to carry the load. by “sestimiates” oF ~iliustrations’ ends may possibly be if one lives and pays through ‘Vidual proportion of the total cost. the period of postponement, saying nothing, of No one member is to make a prost ont of any | course, of What he will lose by dying oF lapeing. other; because, caplial stock being dispensed with, thease . ate fortited by the each ‘inan's pteminm is calcuiated Spon asec sent that they do Rot exceed the nctual ete tions and “loaded” with a margin which. serve the yw being made on Toutine policies Protective purpose of capital stock as to bis own . fifteen and twenty years ago. The ar policy; and the aggregate of the margins of all the That if those policies yield present re Members protects the business asa Whole. ay be looked for tem, fife Each membct furnishes his share of the tion to the whole, ‘any other's payment. any prott out o fe Hbaurance ie simply the payiment of death losses. The payment of those losses as they occur, the provision of reserves for those to occur, the expenses of management and taxes make ap the protec theretore, noone is entitled to “illustrations” for total cost of the basiness. 7 : Kinks differ, as om ou ~ Dut the premiams nti ne man's burden of premium is duly the burden of risk he imposes Premium each man agrees to pa: Note carefully this: culated as his entire and Possible cost of all the in ye company ts carrying. Incaiculating it the company assumes that it will have acertain maximum yearly death Tate, increasing with age in weale, a cere tain maximum rate of expense, and will earn a eer~ tain miuimnam rate of iuierest'ou its reserves. If each of assumptions is just realized, then each man’s full premium is needed aud is his exact Proportion of the whole cost. Bat if the losses are less, of the expemses are less, | aud tweaty years ay DRCRPTION PRACTICRD IN PRESENT PSTINATER, ‘Two great facts are carefully concealed from the Public about these present settlements of former Tontine potictes aud their use as estimater” of cent of the of surplus Were then induced to take them. The anion has literally mot turned out Reif as well as it was remeite For instance moe, The man who, fiftern years An, ved to take a gi policy on an estimate ffteen- Ud of the ery for the next twenty - 2d. These “results: or the interest earned te more than was assited, f are, atc an entirely ditereey then the whole cost is less and each man's stare of results” on Tontines, meen,” it te correspondingly leas. How is the redeced cost of the whole business to be adjusted among the Members? ously it can be done only by Te- ducing each man’s premiuin proportionately. Af the business as a whole has cost iN aly year Jess than was assumed tn caicolating the pre~ miums, then the premiums were. for. that Fear, 60 Much too high; each man has Mutaality Tettirn to each of Nis own overpay~ Meat. Then all will stand on the same footing relatively as if the whole business had cost the whole of the premiums. If each receives back his own overpayment, then each will have paid the company for the year Just What his risk has cost the company for t rr, and wil! have paid in just the same propo there had been no savings from losses, expens interest—no overpayments—and as if Ht hav all the preminens atid all the ini and for whic ke echemies now being teamed the former are now issued ‘saat use of as an “illustration” of oe that Is, a person accrued divi felted reserves are t pool. To use a pool them as an t)usti uly one-third of them, is 4 performance each can ohare faud expenses and provide the reser‘. nice | A€tetine for Sain ree ‘at if these savings of overpayments are dis- tt Bait Tesults in only one-talt the tributed in any other proportion, then some, by ted” surplus, how Lear to thal sate. FeRuit, getting back more and others by as an “estimate,” can a seniTousiue their own overpayment, are male to p more@han their share of the yearly witovw cost, and to pay in a different proportion than if the cost had taken all the premiums and interest to meet tt, leaving no surplus. ‘Obviously, ove's proportionate share of the whale cost of a year's insurance ought Mot to be greater when there is a saving than When there is none. These considerations clusively the methods & plus or returns either for mutui WHEN SHOULD 7! ¥ be expected to comes AE EXPENSE OF TONTINE. The sttraction of the Tontine policies, bonds, consols, &¢ Prodts expected from feitures, it fe Te reed—the greater duced to take a higher ea Since the return of surplus simply adjusts the | the number of probab assumed cost and the actual cost of jusurance, and my oe 7 ae is, in effect, merely a return of overpayments, it ee CoE ald maturally follow from set These companies Would adopt very Righ. prem should be made as often a8 the actual cost is ascer= | pies, giants would adopt very Aygh prem tained—whenever the overpay ment is de ‘The premiums are paid in and collected year by year: are paid and the reserve 5 each year's income and cutgo are ¥ themielves. ‘The cost of iusurance is determined aud met tu and for each year by {tself. The savings, surplusor overpayments are determined in and for each year by itself. There is Bo Teason why th surplus should not be retarned each yea portion of it as prudence wil allo te #uch portion as may be safely div Plans, with very plausible jeatures to (he prentinus—as if any and Would pas hem to cIuploy a Yast covered —as if they cost —ang exch ¢ as possible in case of di tained for any period of y Especially is this | "Ana tuey have put upc sione and ‘ind true of any company with a considcrabie business | ments” to-agents to a pois that a ten ene and an experience suMiciemt to establish the safety | would have eared a enemas of ap Of ite assumptions as to mportality and interest. aid | and would be today were hot the Luntine sermon Which doesn't expect to spend fur expenses inore | just ss, avalian ie bar than its future prem The whole substance of mutual life insurance method Is that cach man shail get his insurance at its yearly cost to the company. ‘The mataral course of business, therefore, ina mutual life insurance company world be to charge 4 premium certain to ve large enough for all © Tngeucies, to select its risks carefully so as to keep Weil within the assumed mortality; t0 invest its re- serves as profitably as is consistent with perfect safety; (0 keep its expenses as low as possible: im all these ways trying to make the yearly cost as enses NOW as it nels tweuty Yeu as asunple ‘mail as possible on the business asa whole. and ide the inflow very exprusive. but thes bere then each year dividing the surplus or ove goth for the present. The promt is in the oatiew Ments to those who contributed them, in the and w ‘They portion of contrivution or overpayment, 80 giving fo each policy holder his insurance at Just what it are getting that, omipabies Mave ny ten im five yours tant millions, than ther has cost the company to carry him: bad in arsage. ‘The rat U8 teat neither making Nim be Kept tp i Sse uot st het ss ex] and giv! Test to, rich fort Plenty of gr Bor alomlag an by of Jess t must be had will. ad — g him more than his proporti But the ex on the profs from tome other policy holder or evidencea yt kage in tontine oie company receives from each policy holder ail it has | Senda. am ping the cost ing carry — ~- ‘thus each apt eng Pays | business” for etha, lapses end yearly no more than it costs to ia— per | surrenders ouring the ba fectiy balanced transaction. five yearst have unadene IMPORTANCE OF NON-FORPEITURE. average in And mutuality produces another most important | Ber cons of Maclt. am Practical result. No mau knows how long he may | Punses of mansooment » oo per cea of be able to carry all the insurance protection his | their gross per $20 out of every « family needs. They are prett; need it. Financial reverses or ili tain always to health and the goes for expen chan expense make Loss of power to carn money may at any time come Xcept through a speculacion tm to prevent his carrying his Insurance further. And Bott @ good deal? the Jess able he becomes to pay the more does his wi they Seek to divert atiem family need all the insurance they cap possibly get, and all they can then get is all too little. If, now, he is insured in a company which truly and thoroughly fuifils the promise of mutuality, when he is unable, or no longer needs, to carry his policy, the company will no longer Reed for that purpose what he had been from year to year con- tributing to the reserve, and bis share of, or con- tribution to, the reserve will then be used as a single premium for a paid-up policy for such alnount as it ought to bay, with full regard to the principles of mutuality. ‘Then, in any case, whether he goes on or stops, and whether he stops from choice or necessity, he will receive in some form of policy al! the in- surance he has paid for, and the company will re- ceive its full pay for all the insurance it gives. ‘That briefly, but completely, describes jegitimate life insurance ob the mutual plan, administered {ato the transaction and fully satisfying each, ome ofthem. And by ~iegitimate life Insurance” we mau life insurance regarded as a service to the community—life insurance for family protection, which is the only service it cam tender, just as fire insurance can serve only fot property” protection. Life insurance protects the family or an estate from the loss of the money value of Its hea, or a creditor from the loss of the life of his debtor, and fire insurance protects an owner against the loss of the moucy value of his property, of a creditor from the loss of the value of the property securing Ris debt. The only difference between life and fire insurance is the thing insured. Who would think ‘of making ® speculation of his fire insurance or going into it as an “investment” operation? TONTINE OR INVESTMENT POLICIES AND BONDS. As against the simple, clear, straightforward way of offering life insurance as protection, and giving each policy holder all of that protection which he pays for at just what each costs the company year by year, and making that cost as smal as possible by economy and careful management, the routine companies set their poli speculating with eack other on the chance that one Part of them tuay get an extraordinary and ‘wise impossibie benefit out of the ottier par one part may get its insurance at much less than its conto he company by the other part pay ig much more than cost. To this end they postpone all dividends for periods of ten, fifteen or twent} rearg, on the expectation that thereby the divi- ‘dends will be made much larger than by the mere accumulation of interest dur.ng those periods. ‘The theory of the speculation is that during those several periods of postponed dividends many per- sons who have paid in anywhere from one to teen jumms will be compelled to lapse their poli- cies, Jeaving with the companies their reserves and all the overpayments and other surplus which have been accumulating while theit policies were in force; also that those who die during these rlods and have kept their’ policies ‘in force, so that the companies must pay the face of the policies, will have large amounts of overpayments and sur- plas, which Will be left with the companies. They calculate that in twenty years at least 59 out of A 80) e an surplus of both those who die z. i H i A i i 5 : 3 i ne 5 § i i i é | | | i if t i = if i Hi Z F fi f i 4 ii i | z BH i i if i i Ei 43 i E i i Hi i i i i al | i if f | i & a i i i i 5 : f i i woe by comparing income losses an one aut thing else than the dollar out of whi anything. it doesn’t Festore anything for Fr dividende, in contrast with 2 TRE CONNECTION? MUTCAL asks the most careful scrutiny of ite side he, dy jute prot 1, Uns L. GREEN, President, Ea Tue Moxvmewrar, 4 AND 889 £ ST. Now, ‘LOAKS, HOSIERY, LOVES, & CLEARING 8a) Our €35 and #40 Beatort Cord Reefer Jackets, truuseed im Mufloon and Mink, st @%. Allthe other garments im the Ftment, tnc-uding Fur spd Cloth Capes, reduced 10 to % per cent. Une lot Ladies’ Newmarkets, in Beaver and Cheviot Clot ‘olors, formeriy $12, to 877, at £7.00, Children’sPeasantCioaks from to 14 years of age, for echuel 21.09, HOLIDAY aND FUR Every article made in Pure.at exceptionally low prices, MILLINERY. Everything in the Tine ‘Trimmed and Untrimmed Bounets and Hats, Millinery ‘Trioming Novelties, Birds, Fancy und Ostrich Festhew, Silk Velvet, Suk Plush, Sarws SUK, marked down less than 30, 20 and 30 per cont, but fully one-half, which means 3 Worth for about $2.50. 5.08 pieces Silk, Satin ant Veivet Kbbona. The angus asorunent. in every width and co.0r for fancy work. Mallinery dress trimmings, &c., et ome fourth the regular prices, Ned at le. to No. Wat Bho. Special bargains im Merines, Cotton and Silk Underwear for judies and children Special bareains’ in Merino, Silk aud Corton Hosiery for indies aud ‘Hats axD BONNETS. UNDERWEAR AND Hosteky.