Newspaper Page Text
Raises Build inti
Cost 6 Per Cenl
Profits Wrajrr V2\ and G<
as High as 1.219 Pei
(Icnt, W itnrssos Atlmi
at Lockwood Inquir;
More Conipclition Irgd
(Umipanirs Bail Rnrplar
Who Stral Goods They I"
Mirp, an OflTnial Testifiei
immediate necessity for sweeping re
'rrtns in thc writing of thr variou
' nda of insurance entering into th
building industry, declared to atTec
the cost of building from 1 to fi pe
cent, *ks indicated yesterdaj in th
testimony of authoritiea before th
It was brought out in 'etatements b;
Aibert A. Whitney, associate genera
?nsnager of the National Bureau o
Casualty and Surety Underwritorr*. wh'
wa? the chief witness of the day, tha
the average profits from the clasy'es o
lEurance coneerned were about 42
ser cent. In one classification, that o
??':rMtor ivork in buildings," the cros
Ktcf.t of the insurance companir-, wn
.Jto^r. to run as high as 4,249 pe
Q'.iegi-oned hy Samuel Untermyei
,i-iPf counsel for the committee Mi
.yv tnej admitted that eertain of th
prtmhim rates charged at the presen
.-,. "are decideril; excessive." am
that the\ might stand :i reduction o
60 per cent, Mr. Untermyer cxpresse>
the opinion that a two-thirds cu
might be ? <.re to the point, but coub
not srt Mr. Whitney to agree.
ReMiIts of Oay'a Inquiry
T fl re: "ra! results of the day-4 in
restigation, in the opinion of Mr. Un
tormyer and others, including wit
n?ssc-. pointed to a need for thc foi
lowirig drastic reforms:
A speedy reduction in the rate* fo
employers, public liability, casualty
credit. automolrile, plate fjlass ur.
pr&ctica!'.;. all other kind- of insuranci
t>ffecting the building Industry.
Provision for supervision of rate- b;
the staten, includinp the granting ti
t^e State Superintendent of Insuranci
oi thc authoritj t" revlse ratrs down
wsrd whenevir i ecessary.
Throwirg open of 'he NMtiopal Bu
r?-iiu of Casualty and Surety Under
writers to the mutual companies, oi
term-- of equality, ? preecdurc whicl
Was effcrted in the case of lh<? tire in
iu rance companies.
One astonishing "insurance side
Ught" brought out in Mr. Untermyer'
fluestioning of Mr. Whitney deveiopei
when the former touched on the cas
ra;'.:' companies which handlc burglar;
"Don't ''?.>?<? -aire companies furnisl
bail for burglars, for the thieves w-hi
iteai the -.ery property they insure?'
?i4eH Mr. Untermyer.
"I belii -,r they cb'," Mr. Whitnc\ rr
p! ? I.
"I " not ;.:-o.trur that eertain o
tfc" companies that insure against thef
?ryi burglary and then give bail bond:
when the thieves and burglars an
caught .'C;-io take as security for thi
bord-. the ^t.?len property concerned?'
"I c.t.-f'x know about that."'
I'-ail Bond Action Sho? n
"Would you consider that a vcrj
s\vict I bu in" s ". '
Mr. Whitney al ,:rs? declined to *??
%*?>:?: tl e question, and tinally iaid tha'
i reply would be "ernbarra-jing" be
eause of his official connection with tht
N'a'.ienal bureau. lie added, however
that information had been brought ti
him lhat some of tiie larger insuranci
eor.cerns had discontinued writing bai
bonds of any description.
The opinion of the witness as to th?
'decidedly excessive" rates was appliei
by him to such classifications as 1 ia
kility on iron and steel ereetion, cle
tator construction, janitor labor anc
io forth. However. the surprising prof
its cited to thc committee were tem
pcred to some extent by an cxplana
tion from Mr. Whitney that t're vol
cme of business of this naturc is ooni
patatively small, and that the prof
its, although great, are counterba!
anced b;. losses in other classes of iu
Some figures produccd concerning
the ''decidi dly excossive" premium:
paid in Ncu Vork during 1920 were a;
Liabittty insurance on iron ar.d steel
errrticr?premium $1.10 for every ?10t
of pay ro?J; actual loss 3.4 cents out ol
?very $1.10 pr. mium collected.
Elevator emction ? premium fiO cents
fer every $100 of pay roll; actual los,
Tiie losses in 1f?20 on this kind oi
insurarrc were only S71S out of tota!
premiums paid during the same nerioc
Janitor work on buildings premium
28 cent* for every S100 of pay r<dl;
Rrtual loss .6 cents, gross prolits
i,84S per c^nt.
421 Ter ( ent Profit
Following his admission that thc
werage profits on the insurance dealt
with amounted to 421 per cent. and thc
?presiion of his opinion that th*
rates could be cut in half, Mr. Whitney
Micl that his bure.iu, in September
1920, s'arted to make a survey with ar
intention of effecting rate reductions.
"But. they did not go into effect,'
"Nearly a vear ar.d a half after thi
Wrrey was undertaken," Mr. Unter
*?r apiendtd. , .
Mr. Whitnev. whb based many oi ?
?PPttred so excessive.
"The -riarp advance in wages aftei
^e war b?gan added considerably tc
to? total premiums collected on pa:.
'?'ls," he t>aid. "No action wa-. taker:
*? reduce rates in atcordance with thc
increased vage scales."
"Don't you feel that that is a prettj
?trong argument for state supervi
*ton?' Mr. Untermyer inquired.
"Yes," was the reply.
The question of auto truck insur
*?*, in its relation to building costs?
taen was taken up. One point men
tloned hy Mr. Whitney was that hc be
*!?ved the cost of pleasurc automobile
ipsurance in New York lo be exces
glve, rur.ning as high as 20 por cent in
wtr.e cases. However, thia was not de
T"loped. as the committee confined it
Sfllf to inquiring intu commercial auto?
mobile rates. These -v.-r.rr, stated to be
JW56 on liability a-:d $135 on property
oair.age, exclusive of f. re insurance.
State Supervision Approved
TLe second witness, Jesse S. Phillips,
'ormer State Superintendent of Insur
?nce and at present the general man
*f*r of the National Bureau of Casu
?tty and Surety Underwriters, also ad
?Jttedm his testimony that the state
?^Pervision rates in casualty under
??ng ia desirable, but felt that such
Sf.?"!0" 6hould be limited to the
ftuVin?? ffV1?W *nH not S'ven rate
J?J>ng authority. He expressed him
bJL?* ?PPfl*"i to opening the national
ffi?att? ?UtUal con?P.anies, asserting
th? y fv nr'' P"^ileged to utilive
& o??au's rate-making facilities
???? roJ-M-'""1^"1^' '"" '"Sgestod,
?ivilv tl "? an or?anization exclu
' ^opi 8uchr ?Wn' 6hould thei' dcsirt! ^
*f w i course.
?Xheve that it ia right that thero
Harding Asked to Call National
Conference 011 House Shortage
, , WASHINGTON, Jan. 27. President
Harding ls urged in a letter which
Senator King. ?f Utah, announced he
? had sent to the White House to-night,
? to cai! a national conference of finan
Jeial, building material and structural
intcrcsta to discuss ways and means
' of relieving the housing shortage.
which the Senator Baid exi its to a
| greater or less degree throughout the
, Pi"''i" "e his plan, Mr. King aa
serted that ?,? ruggestion wna con
? ;'"r"d >'?'' ?'" hHicf Ihal a rcvival of
, ""me building would icrvc not onlj
to bring relief from "exorbitant rents
. and overcrowded housing," but to re
lici e uncmploymenr,
j fhc propoaal madc to the President
should be some lodgment of power for
(roview,,,,, Insurance rate. where there
HpiX *'?& * wonopoly." said Mr.
. P1"J?PS. "They could br 80 adjusted
that tbe burden -ould bc madc io fall
equitably upon thc various classos."
j: Ihe next witness waa Francis R.
? Stocldard jr. State Superintendent of
M Insurance. Expressing himself as ir
) accord with the views of Mr. Whitney
Mr pk'ii n,orm-v7' he took issue with
Mr. Phillips on the *uhjeet of admit
l jting the mutuals to tne national bureau
f saying lhat he saw no objection to
-Lh?0, *?*,* WHh Mr' Untcr??y" that
| tho mutual companies should for the
moBt part have thc same standing as
? the stock companies. after it waa
? brought out thal the mutuals now can
|wnte Home elassifications ef caaualtr
; jand liabtlity insurance at about 15 ner
1 ccn< leV th?n the stock companies, be
. cniise ef |C? cosl ;n doing hl)?inc .? Rnd
? lions0? ' Ptty'nS ascni8' comniia
' i Criticiam ol Methods
j Another witness who favored state
supervision was Samuel Deutschberger,
| chief of the rating bureau of the State
Mr^'n' Departmc,lt' Hot? h? and
.'[' * "'ll'PS were questioned on an
. other matter the omission from a de?
partment report of h statement by the
-Male Industrial Commission of Wis
, | consin criticising the methods of some
j of the insurance companies. The act
, of omitting it was taken after Mr.
i Whitney had protested its inclusion in
. the report in a letter to Mr. Phillips.
Ine latter. when a:ked rcgarding the
tiatter by Mr. Untermyer, accepted re
sponsibility for thc omission, saying
bc !i?.d caused deletion of the state?
ment after failing through investiga?
tion to 'Ind sufficient facts to support
the aiiegations made.
Herman L. Ekern, counsel for a num?
bcr of thc mutual companies, was the
last witness of the da;.. Ilo testified
concerning the attitudc of the mutuals
toward stock companies and insurance
t I laws.
- I To-day's session of thc committee
? ; will be its last. until after adjournment
j of the legislature, as its members are
i going to Albany to put up a stiff fight
i tor its existencc against the powerful
faction, .-aid to be backed by financial
; and other interests, which desires to
seo it 'ii continued, or at least 3horn of
( much ol its power. There also will be
a strong battle by the committeemen
1 for continuation of the emergency rent
; laws. All appearcd optimistie yester
? i day that the committee and its work
? I will be cont inucd. .
' t It was announced fa-t night by C. G.
Norman, chairroati of the board of gov
j crnor3 of the Building Trades Umploy
i ers' Association, that a letter will he
sent by thc organization to thc Build
ing Trades Council this morning in
fo.ming thc unions tbat thc associa?
tion has decided to extend the 1921
. wage and working agreements for Feb
i ruary. This action was taken a>: to the
' current month, following expiration of
[ ? thc agreement on December 31.
, | Realty Boards to lndorsc
Insurance Building Aid
i rom a Special Correspondent
ALBANY, .Ian. 27.?Formal indorse
i ment by tlie New York State Associa
I tion of Realty Boards of the Lockwood
I Committee's program to compel life,
? tire and casualty companies to invest
J part of their assets in real estate mort
j gages to help thc iiousTug shortage ie
; expected at to-morrow's session of tlie
| executive committee of the organisa
', tion, which began a two days' conven
'? tion here to-day.
1 The association v,il! bring before thc
1 egislature a series of bills represent
ing il-- views ai to what should be done
: c> rclieve the housing shortage and en
j courage investment of capital in bu;Ic!
, 'ng. More thati twenty cities are rep
: resented at the conference.
No action will be taken on the Lock
; wood committee's plan for extend:r.g
i thc life or the anti-rent profiteering
! laws until the committee has submitted
its report to tl.e Legislature. It is
probab'.e that the realty men will ask
i the Legislature to repeai the luw per
: niitting localities to cxempt new build?
ings from taxation. Tiiis law, its op
ponents say. while designed to encour
j age building, has tended to retard it.
Among those who addressed to-day's
I meeting wero Louis K. Rockefeiler,
Deputy State Tax Commissioner, and
James 11. Manning, president of the Al
\ bany National Savings Bank. The for
| mer spoke on tax conditions governing
i real estate and the latter on the prob
: lems banks are facing in making build
I ing loans.
His Life for a Dav Just
One Fire After Another
Samuel Wagner, a haberdasher of
: S."> Broadway, Fiuahing, rose from a
! sick bed yesterday to attend to im
i portance business at his store. It was
! the first visit he had been able to make
j to his shop in two months.
Wagner had removed his hat and
Iccat, preparatory to taking inventory,
; "hri. his manager rushed in and in?
formed him that his automobile, which
he bad left in a garage nearby, wss
on fire. He dashed to 11 Broadway
where he found his car in ruins.
lie was receiving the condulencea of
' the garage man. when a stranger ran
' in and told Wagner his store was on
i tire. Certain that his luck couldn't
I bc as bad as that, the merchant assured
| his informant that it was his auto and
! not. his store which had been destroyed.
Before he fini6lied his explanation, a
| second man came into the garage with
i the announcement that the store was
burning. Wagner dashed out and found
, the upper floor of thc building, where
1 he kept his reserve stock, ablaze. The
' entfrc storeroom was destroyed. Having
j no late inventory he was unable to esti
i mate the loss.
j Morse Seeks U. S. Permission
i To Go to Rome for Treatrnent
WASHINGTON, Jan. 27. -Charles W.
j Morse, New York shipbuilder, whose
transactions with the Shipping Board
are the subject of inquiry by a Federal
! grand jury here, to-day requested
j of United States District Attorney Gor
1 don information as to whether his per
! sonal appearance before that body wa3
necessary. since be desired to go as
soon as "pofasdhl0 to P.ome for medical
Mr. Morse said he had come to
Washington in order that he might be
[ on hand if needed, but had received no
intimation as to whether he or hie
bong would ba called.
bv Mr. King had tho support of Sena?
tor Calder. of New York. with wh un
the -.'l'.-rrt was di icussed beeau ie of
hu study c thr housing question as
head of a Senalorial committee t'.iat in
vestigated tlic probleniB.
Mr. King said he expected soon to
visit > ru- York for a discussion of thr
program with Samuel Untermyer, at
torne--, who has been active in' thc
New lork investijration of combines
>n building materiHls. llr said also
that. he hoped to gain consideration of
the subjeel w ii!c in New York of 50nie
of tbe life Insurancc rompanie* and
banking institutions! eontrolMug large
trust fundi, ordinarily investcd in
building sccuriti" .
Study of the housing and general
construction problem offered convinc
ing proof, Mr. King said. that there
w,as need o' h. nu ionul policy with re?
spect to Buch development.
Alive to Pcril
In Farm Bloc
CCnntlruftrf from aaee en*'
ln formidablc third party movement de
] Senator Kenyon, chairman of tbe
I Senate agricultural bloc. to-day vigor
oii ly denied report.- tbat the bloc was
out to make war on tlic Administration
er cn men in Congress who have not
been in sympathy with its aims.
"There is no politics in thc bloc. As
a matter o." fact lhe efforts to make it
appear thht it is political constitule a
i new effort lo destroy it nnd destroy its
i uscfulness." said Mr. Kenyon. "Various
I efPorta have been mode to kill tt and
j this ia thc latest. I do not know a man
| in the bloc who is actuated by personal
ambition in seelring agricultural legis
: lation. The talk that I am mo-.ml by
i ambition is ridiculous.
i "Perhaps the he-t answer I can make
j to charges that this is political or is
! aimed at anyone is found in thc fact
I that nearly every bill we ha\c passed
, has gone through tbe Senate by almost
| unanimous vote. This paekors' bill is
j r.n exception, but as to nearly all of
I them it is true."
Senator Kenyon declared fhe bloc was
out to injun; nobody and no class, tha:
ion the other hand tbe attacks on it had
I merely strengthened it and it would
survive under such attacks.
I Senator Kenyon as well as others in
| t'ne bloc, however, leavc no doubt that
'? if they are attaeked they do not intend
: to turn the other chcek.
"Old Guard" I'nder Fire
There ia a sharp distinction between
I what will be done by thc bloc in poli?
tics and what will be done by some
j of the men in it. Undoubtedly, l.be
iprogressive Rcpubiican Senator:, in lhe
; bloc will do what they have done br.
fore. opposc tbf return of "Old Guard"
Republican Senators when they gei the
opportunity. This would bc done
whethcr tiie bloc existrd or not. lt,
| rrpror-ents t!i<> aetion of the progres
sive Republican clenvent in thc Senate,
j or a certain part of that clcment,
j rather than any action of the agricul
I tural hloc itself. This has led to greal
confusion of thought aud information
' as to the bloc's purpose. Such Republi
| cans ar, Kenyon. Borah, Norris and
Johnson are refusing to go to the belp
: in this campaign of certain of the Ke?
publicans they call rcactionary. To
what extent they will fight them open?
ly io a question. lt io known Senator
Borah has refuscd to go into states
where bc has been asked to fight "Old
j Guard" Republieans, holding that hc
I did not feel justilied in taking part in
such primary contests. It is probablu
this course -wilI be followed for thc
most part by the progressivr Republi?
The whole situation as discussed to
, day by a leader of the House bloc, who
is regarded as one of tbe more solid or
conservative of its members, is summed
up by him in these worda:
"Some here see in the resolution a
new victory for the farm bloc. It is
interpreted by certain more or less
impartial critics as spelling failure for
what to them is a maneuver by thc
President to depreciate the sectional
ism strifc, particularly in the Senate,
between the agrarians und thc regu
"If tliis contention is accuratc there
foilows tbe question, How far will they
carry their program?
Primary Fight Improbahle
"It is absurd to believe that the con?
tcst in thc Republican party will be
carried into tiie primarie.? or into the
next national convention. Although
the indications now are that in thc
Senatorial fights, at least, there is to
br ?omc gunning for thc :;eat3 of re
actionaries who have shown unfriend
lir.ess for tbe bloc, this form of politi?
cal paetime will not take ou as strenu
ous proportions as now secmii probabl".
"The party catastropbe of 1912 and
tiie disastrous rcsults ol that famous
bolt are still too fresh in the minds
of tbe Middle Western 'horse-sensr'
fellows, and there is no Roosevelt to
be considered in the present politicai
"The temper of the bloc is not one
that will be carried into the pohtic.u
arer.a when the time comes for thc
party's contcst for control of the coun?
"Another fact which has been over
looked is the method with which the
agricultural conference adopted tbe
resolution of commendation. As pre?
aented to the session, and as approved
by the assembly of farm interests. it
wai ^andwiched in between two com
rianion resolutions of praise for the
President's 'clear visioncd' program and
the efforts of the American delegation
to tbe armament conference. This is
an expression of confidenee in tiir
leadership at both ends oi' Pennsylva?
"Tbe majority of the bloc, certainly,
is confidcnt of the President's sincere
desire to obtain definite accomplish
ment through the gathering of the na
Hnrricane Weather Delays
Vandyck on Maiden Trip
The new Lamport & Hoit liner Van?
dyck, which left Liverpool January 17
on her maiden trip and was due here
yesterday, reported by radio that abe
had encountered hurricane weather and
would not be able to make port before
Captain Byrne, master of the Van?
dyck, reported that he made no effort
to drive the new vessel, preferring
safety to speed. He said his position
at noon Wednesday was 1,600 miles
east of Ambrose Channel. Because of
the hurricane weather be hove tbe ves?
sel to for forty-eight hours. At noon
Thursday the Vandyck was 1,300 fniles
east of Ambrose Channel and at noon
yesterday the skipper reported his po?
sition as 1,060 miles east.
The liner. which wil) enter the com?
pany's service between New York and
Buenos A|i-es, will dock at Pier 14,
Rail Rates and
Pay Be Retluce
??<? '1.11 y
'Joinl Deflattoir Su^pfiicrl
\fler Long Ar?upiriif. \i>
Which Gompers Rights (<?
Keep Wages Untoiiciicri
Favor Sl. Lawrence Canal
FortPs iViiiscie Shoal* OH ??
VIso 1- \?>|trovf>ii '!H'.m'..
tlic Goiifcrence Arijourns
WASHINGTON, Jan 27. Thr N!t.
tional Agricultural Conference. - ' ii h
concluded a five days' session here to
night, was charactcrized b
Wallace of thr Department
ture in his closing n.|d m
most representative gathering
riculture ever held." ii ha?
good thing ror tne fnriiiers ?
allied interests hc d"< larert.
that thc farmers aml thc ro'atod in
tcrests "must co-operate to put agiicul
ture on a sound and enduring bas -.'
"This conference." thc Secretary con?
tinued. "has gained ground, and I think
we can hold that ground. We have pre
sented constructiv; suggestions nol
only for thc present bul for the work
ing out of a sound agricultural policy
: or years to come."
Before adjourning resolutio ? were
i doptcd thanking Pre hck ni ii rd : .
and Secretary Wallace lor calling t .
conference and expressing apprcei'alioii
to Chairman Anderson for hi fairness
in presiding over thc sessions.
Cut in Rail t'oMs Asked
rhe confcrcncr wen! on :ri' .r.l io dai
in adopting its transportation comnjit
lee's report as favoring partieipat Ion
by railroad labor and railroad corpora
tions in the general price "deflation"
after il. had slricken from another com
mittcc's reporl ;i recoiumondr.tioii for
repcal of thc Adamson eighl ln i la >
and the "bringing down" cf wage .:
railroad labor and ot ? r indii ?
labor to a paWty witli the rclurn re?
ceived by thr farmer.
rhe debate on lhe nueslioii of ,vagr
"deflation" wa.- long and a- time V~
liement. Thr proposal ,va treniious
ly fought by Sam ne] i iomp. rs,
dent of the Amcrici n Kederal :e;i of 1 i
bor. who was a delegatc to th-' ??...".
('.ice. Several farmers who oppo ed re
duction in wages an.i helued lo d
Hic tir-t recommendat ion - nportod thr
proposal linally adopted thal bo'.i rail
roads and their cmployees share in I ic
Thc conference also indorsed a pro?
posal that the St. Cawrence (ireal
Lakcs wijterway project he coiipleled
nfter one rommitiee's recommendation
to (his effeet had b.i lo sl. Action foi
repeal of lhe 0 per cenl gunranlv ? lau ?
of the transportation net, defeaied d' ,?
ing tlic labor debate, also received
favorable aelion on a i-,t. ; icnort.
The conference recommended .-<>ni
plet.ion of thc projects al sfusrlc Shoals,
Ala.. and urged lhat thc govcrnnipiit
a.-cept the offer of Henry Kord to ' 'a c
them. Reduction of freight rates on
farm products. liveslock and product:
of allied industries to lhe basis prior
to thc increase of August, 1020, also
v.h^ urgod. as well as thc restoratio i
'' "' eninn, , .- .. Itea.iju tn, ?? .
' ';''' Uli'lVii! ! ?; ,.??: ,..; U)
"ti I olli -s a; ,,., ci. 4 .... pos ib!e. it
' ' a b!. '. I.egisliif.on to pi ? cill Lhe
" ': "'"in iu. luding the "land
111,1 I " '? " in mak ng up their rcvalua
I'oiis iva^ lurther reconimcnded.
Commndity Financing Desirod
Fnnctnieni by Congress of laws pro
vifling iiilerinediiite credits for farmers
"?'- li com, n di!. nnancing. conl iima
' lie VVar Finai. t 'orpon t ion
.: ' '-' -'i"I1 action. aioendmcnt of the
' 'deral K-s, rve and farm loan act -.
' '" -.' essional investigation nf the sub
?"' '' ''." crop i: - iram e, a eonstitutional
ai iei Inient i rohibiting is: uance of lax
: '"'' iecuriti. except. bonds and oth"r
"?'" p.tion; ol Federal farm loan banks.
re enactment of an ex.:s profit?! lax
and equal consideration I'ot agriculture
" ;'."' other industries in any tariff
:"' :? were recommended by thc con?
ference to-night with adoption of tbe
report ..I its committee on agricultural
? repi rt also protested iigainM
li.ie ; of any ror.<niripl ion. sales
ifi "ut-r. ' lax nnd urged
'"' '' " ".' ion by il e United SUtcs
i : conference for economic and
''' ??'"?:.: . econstruclion in Europe" to
ain '? hal lhis country can do
?oward i.stablishmcnl of interna?
1 li ' conference went on record as
nppo ing repeal of the Panama Canal
toll . saying "tl c people of the l'nited
Sla<'" have invested a large sum of
nioney in (he Panama '"ana!."
Account Given of Los!
Hosiery of Reine Davics
Urlerlive: Iv\plain.? Thal After
\ul<> OusJt Police Matron
Romovcil Arlrrss' Stockings
Rcinc Davies, picture actress. did
"ci tlr-v.- her automobile on Christmas
l:' "? l!)'.-0, si.Ie<s and stoc.kingless, a<
? '! beei intimaled in tiie Supreme
Courl ae'.ion she has prought to coi
lect yr.00.000 damages from the Briar
clilT I.odge Association for injuries
she sulfercd when a ln:;. owned by lhe
as.-ociiition was in collision with an
autoinohilc in which she was riding
witl, Simc Silvorman in thc summer of
Mi?s Davies, who suffers spells of
b ine. which she says ?- re H re
?" i of tl nl accident. had such a spell
ih driving her car in December,
Pi'-'u. and run intn a slreel ear. She
wns laken lo Fordham Hospital lo be
t " ;? :???: 'o, \ ariou - in iurie .
Detecii e Frank J. Fickett, a wit
I'-n- Miss Davies, yesterday told
whai hanpened whei, thc actress was
carried to a station house. lie de
clan d lhat it v a while thc plaintiff
was lyini; on a table there that her
i"'- and slcckings were removed.
Th'.- wa:- done by lhe matron. The
trial will continuc on Monday.
Says (looli : e
Asserts Tcurs of World Are
Being Wipe.l \way by lhe
Praises i>!vnct C-toirc
Farmers' ReJicf Sought
Ta\e?? U'lltM* .1 So Door of
OpportufMJy I- fl?M?}" ;????!
lo 1 ??;i!'; immI \m'i)il'0 i
I'-'IM \' VPOLIS. Ind., .l:.n. 27. Thc
:..-. ompli i icntf of Ihe present Admin
\t trat on arr wiping uv a\ the tears of
t'.r world and hraling lhe wound of
lhe nations, Vice-Pre idcnl l"nl in
Coolidge said to-night iu an address
before the Indiana Republican lidi
torial \s ociation.
I'vi laring t lial lhe ':: -1 great ..." of
thc pre enl Adminisl rution wa thc
' election of Cabinet nliici r- "- ound
and seasoned in public: service," Mr.
Coolidge i'-\ iev- ed i hc ac \\ it;cs of lhe
Presidenl and Congress, pointing to
? thc signing of the trcat.s of peace with
[Germany, the ralin^ation of lhe treaty
with Coloinbia and tbe ste-js taken to?
ward thr recognition of Mexico.
I". S. llas Worl.I's Respci t
"As a result of oiir .1. alings with
loreign countries, even tbosc which we
havc nol Pco?ni-/.od. f ory ni; ion in
Iho world know.s wh'-.rc our "?overnmen!
stan !s and ? e arr re.ablished in t'ne
respect of i he world." he declared.
"Thc main object of thc special ses?
sion of Congress was I.o adjust tinances.
From tiie work of Budget Commissioner
Dawes the nation's expenses were re?
duced from $5,500,000,000 last vear to
about $4,000,000,000 this year and an
?estimate of $:5,600,000,000 next year.
"Taxes have been reduced so that thc
door of opportunity has been rcopencd
and youth and ambition may ngain
competc with established industries
without being taxed to death.
"The temporarj law rcstraining im?
migration has relicved pressure from
without. when there was ai ready fear
of unemployment within and thus has
proteeted thc workingman."
Rcferring to the farmers, hc said
that Congress and the President both
sought wilh great diligence for their
relief. II" cited loan, to cattlc raiscrs
aml thc work of the farm Labor Board.
Policy in Aid of Karmcr
"ll is thc policy of thr party in power
to preserve the American market for
American agriculture aud to a<-i.-t, thr
farmer hy increasing tho prosperity of
his customers," he said.
Mr. Coolidge referred to tho unem?
ployment and farm conferences, the
relief given thc railroads through loans
and lower wages, and reorganizatiou
of shipping as other accomplishmeul .
Ile declared tbat the Administration,
above everything clse, was working for
lhe reiiei" of war veteran- and their
dependent relativcs. The now govern
:nr':t department combining all govern
inenl activities for soldier relief had
done great work, he said. and now was
getting into Its real slride.
Ile concluded by saying that thc arm
conference had resultcd in the outlawing j
of lhe newly crcated barbarities of
war, banisbed armament, from Iho soa
ar.d substituted law for might and con?
ference I'or coercion.
Fine Motor Toggery
Reversible Leather Overcoats
Heretofore sold at 50.00 and up
Cf Big double-breasted overcoats that are
J as smart on the street as they are in the
car. One side is of wool heather cloth
and the other is of a fine-quality glove
leather. Wind cannot penetrate, rain
does not harm them ? and at 23.50
they are a value heretofore un heard of.
SMotor Apparel Dept.?Sixth Floor
at 34th Street
Frcczee to Death ut Dinner
Kochester IWIunr Fonml When
Neighbors Force Door
'?<?? ? ittl n ,,? '? h (o 7 \xt i ,-,>,,, .,.
R0( IIKS'l Kl:. Jnn. 27. Sitttng up
1 gbl ui ,i chair bc.'ore ;i table where
'" I" - i be. n ,.. ? |. ?i tne fro en bodj of
?'? ' ' II Sgin; '"'. ; ear i old. was di
' '? ? ? ? I '?>? ?!'.. 1.' neighboi. . who
'". itr.'i'ce to the house. Coroner
f11 ' t< r oidcrcd thc body laken to the
i i nn?.
fliggins lived alone. Meigbbors
' ' d lhat be had not bce i about thc
1 ' ? " b - usual recentl. and foreed h
,:" ' I he mt ?;. who wa t full clo hed
;" '" "'i t - havo been dead three
"' : ? liealing i ; parat.us I ? I been i
' ?"'",, but t. i fires had burned
Aiid May BcgWife
Almidons Karfica) \ ic>vs,
ln 'ot'-cs Marriage and
ConfesseH ;i Return to
i>i-liof in God and Prayer
N'OI? i 11 CAKVKR, Mass.. .Ian. 27.
( miles A. CJarland. disconsolate at the
'. "t I ?'? of events, is undergoin? ;;
mental revolution at the present nio
nient, and those most familiar with his
mood would be not ,< whit surprised to
''" l'i": return to his wife, now at
Hfdham with her child, and beg her
. ? i'. ivenesf.
The young millionaire to-day sup
plied .. genuine surpriae by con'fessing
: ?;." the most important of his
? ""i"i" ii'c ' adical \ iev , '.--.-? c undci
g, tic a ...-?? : v ch uige during i ecent
riiproval of the legal marriage cere
' "".' ? '? hich he has P"r-: tcntlj
brunded as an unnecessary formality.
rurthi r. i.e has within the la l
twenty-four hours confei <d to a He
liet" in God and in prayer, upon both of
which he had emphatically turned hi?
bue'.,, giving preference to views thal
might i>e described as atheistic.
There is reason to believe that lhe
departure of Miss Lillian Conrad, his
alleged soul male, and her apparent
I.npp ncss in, hrr new environment
i ? -Io i. have done much to sobcr the
young Harvard man, who von note b\
refusing tho (1,600,000 wilh ! h
from his father'a <? tate, and which he
i.-nt'v accepted, but r"r othcrs
Carland is clearly turning more of
oi - : houg lits in t he d ? ?? ? on of his
wife. lt was clear to an interviewe
17... ' he seemed more :? illing to ?' ilk
pf li r than on pre io i o casion . ll'
conccdex tha: bo ,,.- ,.,| her wh< n they
were mai i ied and thal il . po? sible
she n|..y again oCCUp) a similar place
his a ffect ions.
' li rland as much a - ad mil te.d l.o-t
that hc might return ' ? hi
ore long i f he cou Id co i vi nee h i m ?
I hal "il as the rig lo do.'
l>a r .?:<! ha? .-? rip " com pa nion in his
humblr ihack on "April Karm."
; ?; .;. : ?.. p ? ,,-. i | . ?? . ,
i. . Ma..- no\ it/.. a Ru ' ..
" th. one ' i m ? res ident - eetn to k no v
? ii I 'i aid just m hcr?: h< - ame I
yet ? ... ,, ned. II" pi ofe - ??
radieal helicfs ? i- . . I ? . nd
pr c- imed. md . ?? ,
coi .p i ioi ih p ..' ? l.e ..-. ..
?? ea i and thi bi of pub! cil
cidcnl a; ly fall - li i* ow n wa;
'Don't forge* abovt lhe joys
of tinkling tce in a palatablc
drink of some sort. A jaded
appetite may be stimulated
Royal S. Copeland M. D.
The ;>bove quote from New
York's able Health Commis?
sioner is from an ar.ticle in thc
New York American on "Tak?
ing Care of a Sick Person ^r
Home." Ice ts invaluable in
"taking care" of the sick, pro
vidfcl the ice be pure.
Knickerbocker he ri made irom ?'
/;;?;/-. filtcred water, frozen i: tan ' <y
conlainers and delivered m
?-..i,yirr. draivn by ,/-,:.?; ?';?: ? >
-At Uth ST.
affording you a rare opportunity
to secure a really good robe
at little cost
Formerly 5.50 and 6.95
Well-tailored Beacon Cloth Robes,
buttoning to neck, finished with
silkcord edgcs and siik and cotton
girdle. Good variety of patterns
and all sizes.
Formerly 7.50 and 10.00
Shawl and convertible collar robes,
of fine quality Beacon blanket
cloth. Excellently tailored and
finished. All sizes.
To <Be Waced on Sale Today
9 Chamois Gloves are among the best for
present wear?undeniably smart and un
questionably good value at 1.69.
5 Blaek embroidered or spear point selr
backs, and prix seam sewn.