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THE WASHINGTON HERALD. SATURDAY. JANUARY 4, 1913.
Of Artistic and Con
Continued from Pane Our.
Tluvs a hiRli-crado
Tilth roller bearing.
non-hlnding- doors, four sections,
complete with top and base. Five
patterns In llclit Bolden qak,
dark golden oak. weathered oak,
mission or mahoan.
11th and H Streets N, W.
We r.l e rt i Herald t SS.OX Conlnt
Pennsylvania R, R.
Frequent Fast Express Trains
Special Saturday and Sunday Rate
ROUND Si. 25 TRIP
return lint I i no a
U reKular trains
soles don't nun a
Xe 11 repair them so
3u ran p t double
out of our foot-
HomeShoe Repair Go,
719 Ninth St. N. W.
Called for and Delivered
i tra in Tie HeraM C5 Ono Contest.
MOVING PICTURE THEATER
322 Pennsylvania Ave. S. E.
OF HIGH-CLASS PICTURES
GOOD MUSIC ALWAYS.
OPEN AT 6:30 P. M.
5c ADMISSION 5c
W Glre Yoles In The Bmll iCm CootMi.
519 Seventh Street Northwest
YVM. AIREY. Manajs-
Fresh Films Every Day
We clre Herald S35.O00 contest Tote.
I ZENITH THEATER I
I 715 8th SI. S. E. I
g Wlierc comfort and content- jj
n ment reign supreme. jf
I 4 New Reels Each Day
asked Mr. Hoover by Attorney Douglas.
for the companies. Indicated that an
other Insurance company in Washing
ton had pursued a course .ery similar
to that or the Commercial and First
National in the treatment of real estate
Mr. Best yesterday testified Indirectly
that other fire Insurance companies had
made a practice of this method of In
Poor llualnras Policy.
By Mr Hoover andMr. Best, as well
as other witnesses who preceeded them,
the practice was severely condemned,
and Mr. Best declared In effect that it
was poor business policy and liable to
result in disastrous results for a fire in
surance company to carry any consider
able portion of Its surplus In the form
of real estate
Mr. Best's testimony dealt with more
than a year spent In efforts to arrive at
the true financial condition of the two
Insurance .companies, and -with a previ
ous knowledge of the operations of Tut
tle. Wlghtman ft Dudley. Inc.. the un
derwrltlnc firm which Is handling the
organization of the First National.
Mr Brst had printed In his monthly
publication a number of severe criti
cisms of the literature which the com
panies have sent broadcast in solicita
tion of stock subscriptions These stric
tures the companies protested were un
fair Best made a number of efforts to
obtain from the companies "statements
and information which would prove or
disprove hi charge" Although, follow
ing a conference in this cltj last July,
the companies promised to send him all
the Information bo desired, the most
important part of this, according to
Best was not sent him Beit claimed
that the Information he sought part of
which was to be regarded as eonflden
tlal was such n he was in the habit oi
receiving regularly from other lire In
Operated nt I .
Other important features of Best's tes-
That the Commercial operated during
the last ten months of I'M: at a loss of
That tho ratio for lire losses In that
time was upward of TJ per tent, though
the average ratio of established com
putes Is between 4.1 and per cent. In
the case of a new compan. this ratio
bhould be i educed tn about . per cent,
bei auso of continu ng premium nihili
ties he Slid
Th-it this high loss ratio lndlcsied an
Inferior grade of rikks taken b the com
panv In placing business
Th-u Tuttle W chtman & Dudlev. Inc.
have contracts which assure them a
fee of JiyiCV) for Blaeing tho capital
stock of the First National Fire Insur
! of V-2 per cent ovc- and above expenses,
I which are limited only to 12 per cent.
I That this cost of 3) per cent allowed
I for stock-selling expenses is extravagant
and should be reduced to 10 per cent at
That In placing stock of the First Na
' tional, the underwriters Issued 700000 elr
I cular Inters addressed to prnspectlvi
I purchasers throughout the I'niteil States
that they received 70.OX) inquiries from
these letters, and placed Z,W subcrlp
Hon from these Inquiries
arnetl Insurance Companies.
That members of the Tuttle. Wlghtman
& Dudley tirm told him In October o
the plan to obtain an Increased valua
tlon on the Southern Building and di
vide the increasof on paper between sur
pluses of the two companies, and that
he warned them that such a move would
have to be so transacted as to stand the
most mieros(opic examination if It ex
pected to stand the test in other States
in which the companies expected to do
business, as this method of increasing
assets bad been dono so much that It
was looked upon with suspicion
That he had employed the customary
methods of computation In arriving at
the amount of loss under which the Com
mercial had operated, and that he knew
of no possible legitimate method of com
putation which would Indicate anything
but a lieavj loss
In partial extenuation of the high fire
loss ratio sustained hv the Commercial
in the first ten months, Mr Carusl
caused Mr Best to read into the record
a comparative statement of total fire
losses In the United States for the first
six months of 1910, lsll, and 191i This
statement, which Mr. Best admitted
could be depended upon, showed that the
total fire loss for the first six months
of 1912 was J14 7KO0O In excess of losses
423 nth Street X IV.
Contlnuons Noon to 11 P. M.
J&- TO-DAY -sQ
First Time Shown.
Garden Symphony Orchestra
SIOST COSIFOIITADB TIIEATEH.
II Street. Between 10th and :0th.
JVEW FCATUnE FILMS.
m Glra Vein In The Herald S2.000 CcntM.
L S Dept of Acrlcultart- Weather Barrio.
Vv uhinzton. 1 nday. Jin 3. 19.1-S p. m.
3 fctann cicr the Lower St l-awrepce alley
iratinua northeaatward, jdthourfi there will bs
stkfw Kaliinlajr from Laae Miehl;zR eastward with
see temperature. The ditturtance ewer Colorado
II more eastward, attended b) snnwj FalurdaT to
the northward and during haturda nlfiht and '-lin
dav there will be snow or ram in the Central Plains
states and tlm lntral V. alleys, rcachlnc tho Ixiwer
lke reaion by Piindav niirht In the houth and ex
treme et the weather will lie crnerallr fair Satut
day and Sundav excrnt in the Wcfct Gulf btates.
when? ram am probable by Rcnda
It will he colder "Saturday in the lrwer lAke Te
gtm. New lffiand the Vliddle AUantK ".ute. and
the eitrnne Central Wfrt nd enMer Sunday in the
Central and fceaithern I'laloa Hutea, and the Cenuwl
alleyi, eicert In the Uprer Ohio,
for the corresponding period of 1911. and
3.186,500 In excess of corresponding to
uts for 1110. The flrures were: 1810. J39,-
ZS.SX; XOl. O23.631.750; 1912. J15,U7,7iO.
Qncstlon. of Trust. '
Mr. CarusL tn cross-examlnlnc Best.
first raised the question of a fire In
"Does not the firo Insurance trust, he
asked, "discourage the organization of
smaller companies and the Increase of
capitalization of others r Representative
Bertrer (Social st). cricked up hia ears.
"Not that I ever heard of." replied
Questioned as to underwriting boards
and their power, Mr. Best admitted that
no insurance company could do business
In New Tork City except on Insurance
rates fixed by the underwriting board
there. He further admitted that what
has been known as the Eastern Confer
ence was an association of "board" Art
Insurance companies, which banded to
gether for the purpose of assuring them
selves business profits unless exceptional
lire losses prevented. This organization,
he admitted, applied what Is known as
the "separation" rule, which prohibits
agents doing business for non-boar
companies from earning agencies also
for board companies.
"A non-board company." Mr. Best ex
plained, in answer to a query from Rep
resentative George, "is one which. In
any given territory, refuses to identify
itsely with or come under the regula
tion of the board of underwriters of
Relates 3Iorgan' Interest
Mr. Carusl asked the witness If he did
not know of the existence of an "insur
ance trust." He replied that he did not
bUleve an Insurance trust possible, and
related the Incident about Mr. Mor
gans Interest in the question and the
decision of President Evans, of the Con
tinental, as Illustrative The Continental,
he declared In answer tn a question, it
board or nonboard, according to the ter
ritory It is doing business In
Mr Carusl then Indicated an hitherto
undeveloped line of defense.
"Do you not know," he asked, "that
Mr. Robert R. Tuttle, wno is president
of the Commercial, during the fifteen
vears he conducted ft general fire Insur
ance business from bvracuse, embracing
in his territorj New 'iork and Pennsjl
vanli. was alwavs a nonboard man?"
"That Is true by report "
"Would not that account for a good
deal of hostility against him or any In
stitution with which he might be con
nected'" "It might, but I think it would not
carrv any weight
Some Facts nnil Flsarcs.
The following facts and figures as to
the financial condition of the Commer
cial, and Mr Bests deductions from tho
statement of the superintendent of in
surance, were brought out
Mr Redfleld (Bef erring to t!u report)
I ask ou whether on the statement of
losses It is not the fact that If this com
pirn had not had thn premium on Its
stock it would have larked funds suf
ficient to carrj it through the jcar. de
spite the Increased value of the t-outh-em
Mr Best There Is no doubt that the
nitunl disbursement for lossis and ex
penses. Including the cxp nse of selling
-took, separatelv- listed, were very great
ly In excess of the normal Income of the
company from premium and interest on
its investment Without footing the Hems
accuratclv the income, letvlng out the
premium on stock sold, and the lncrea
bv adjustment In book value of real
estate. Is under 1200.000. while the dis
bursements were J330,75.5R. These are ac
tual disbursements, not Increases of lia
bility It is apparent that the i.ompan
had to draw from some source approxi
mately J130 0K) more than Its normal in
come in order to meet these expenses
CITIZENS ARE INCENSED
OVER LACK 0F,P0LICE
Park View Auociib'.B Condemn tie
Practice of Detailing Men from
Resolutions condemning the practice of
detailing policemen from the outlying
precincts for special duly at social func
tions in the fashionable residential sec
tions and the detachment for an Indefi
nite period to downtown precincts were
unanimously adopted at a regular meet
ing of the Park View Citizens' Association-last
It Is stated in the resolutions that the
safety of citizens and their property is
often Jeopardized by the practice. The
association Is Incensed over frequent
hold-ups. robberies, and other violations
of the law which escape punishment, and
maintain that It is due entirely to the
lack of sufficient police protection.
The resolution was introduced by John
C. McGrath. president of the association.
Copies were ordered sent to the Commis
sioners and MaJ. Sylvester, Superlnten
dent of Police.
Dr. William M. Davidson. Superinten
dent of Schools, and Dr. A. J. Stuart,
director of Intermediate Instruction, made
short addresses on school matters. They
urged the members to Icavo no stone un
turned in their efforts upon Congress to
Include In the District appropriation bill
the Commissioners' estimate of $128,000
for the construction of a new sixteen
room school building at Newton and War
President McGrath appointed the en
tire membership as a special committee
to conduct the campaign for the new
school building A circular letter will be
sent to each member of Congress, ask
ing for his support. Charlton M. Clark
was named chairman of the committee
Following the address of Dr Davidson,
President McGrath organized thn Park
View Home and School Association, with
a, woman auxiliary. Tho entire mem
bership of thn association was enrolled
In the new organization.
SIR ISAAC PITMAN TO
BE HONORED TO-DAY
IS erf elk tad Vuhlnxton Steamboat Comrstn'i
nOiDtn frcrra fcot erf Seventh Strrct for Old Point
Cnfort BDd Norfolk dull at O p. n.
Can frcta Flftmlh Street and Nrv York Atcoo
trerj Quarter boar for maia a-atruiot Zoo Park ax4
To Great Fills Waihlntlon and Old Dominica
Railroad can ertrj few minutea from Tblrtj-alxta
and il Street.
To Mount Terooo Waahicjjton rirrlni Ha U war
Car emr bour on tc hour from 10 a, m. to S p.
to, lAK car. Station 12th Strrat and Pconirlnnia
Top-Noch' lYread Is MrloberR'a
-moit popular loaf One trial will tell
jou vh. Let jour irroccr supply you.
Congress in Brief.
Out of respect to the memory of the
late Senator Jeff Davis of Arkansas, the
Senate adjourned after a session of six
minutes without transacting any busi
ness other than the appointment of a
committee of seven Senators to have
charge of his funeral arrangements.
Joseph W. Bailey tendered his resig
nation as a Senator from Texas to Sen
ator Gallinger, 'resident pro tetn of the
Senate, and notified the Governor of his
home State l telegraph of his action.
The (nm-iilttec on Interstate Com
merce agreed favorably to recommend
for confirmation the renomlnatlon of Ed
gar l: Clark of Iowa, to be Interstate
The Clapp Committee made public pho
tographic copies of eighteen letters and
telegrams submitted by William h.
Hearst nnd which passed between John
Archbold and various members of
tie House adjourned out of respect to
memory or Representative William
vedemejer of Michigan, who wss re
ported to have committed suicide, and
also out of respect to Senator Jeff Davis
The House Committee on Agriculture
heard a delegation from the National
Farmers' I nlon in advocacy of a bill
to create a division of markets In the
Department of Agriculture, and also i
delegation from the Southern States
urging an appropriation of ncO.OuO to fight
thn cattle tick
Representatives of the shipbuilding In
dustry appeared before the House Com
mittee on Merchant Marine and Fish
eries to oppose passage of a bill giving
American registry to reconstructed ves
sels of foreign build, which have been
wrecked on the American coast and re
built In American shipjards
Centenary of Hi Birth Will ""Be
Generally Obserred in
Many well-known stenographers to-day
will wear red roses, because it Is the
centenary of the birth of Sir Isaac Fit
man, who Invented shorthand.
Also, all the male stenographers and
there are enough of them in Washing
ton to recruit an army will wear red
rosebuds In their buttonholes. Promi
nent among these will be the official
reporters of tho House, headed by Fred
Ireland. The Senate stenographer also
will wear red roses.
Sir Isaac Pitman's Invention tt short
hand, on a phonetic basis, revolution
ized court and legislative reporting, as
well as commercial correspondence. It
has proved a priceless boon to girls, af
fording them many opportunities to ob
tain a livelihood. There are some 2,000
women stenographers in Washington, ac
cording to a census report.
Sir Isaac Pitman, the son of an Eng
lish weaver, gave to the world his first
volume on stenography November 15,
1S37. This was closely followed by a
second volume, and by a third In 1S40.
In 1SU the first phonographic society
The new system was Introduced Into
..merlca In ISM and to-day numbers hun
dreds of thousands nf adherents. Benn
Pitman, a brother of the Inventor, was
one of the leading disciples In this coun
try. In 1W7, on the occasion of the Jubi
lee of phonography, the American ad
mirers of Sir Isaac Pitman presented
him with a gold medaL In 1CH Queen
Victoria bestowed knighthood upon him.
Despite the fact that numerous other
sv stems have been proposed, M per cent.
It Is estimated, of all the expert profes
sional reporters In the country still use
the Pitman system or ono of Its modifi
CORfTcLUB BOYS HERE.
OCCUPYING NEW AND ATTRACTIVE
1410 H STREET N. W.
Sixth Successful Year
SPANISH, OFFICE PRACTICE.
Classes from 9 to 3, 4:45 to 5:45 and 7 to 9 in the
I.iiiTjer tabbed In evr VorL.
A telegram received at Police Head
uarters jesterday from New York
brought the news of the rearrest of
John II Patterson, a colored lawver. al
lege to have skipped his bond on an
arrest made about a vear ago Detec-
i Baur, of headquarters, made the
arrest, and Patterson will be given a
hearing to-dav In New York
The rnjnPE Industry of Cuba is dwindling he
aiue (tahenten ratter in the little apongra before
Colored 'W rltrrs to Meet.
Tho midwinter session of the executive
committee of the Nitional Negro I'ress
Association will be held In this city on
February 1 at the Twelfth Street Brench
of the Y MCA R. W Thompson, of
this cltj. is president of the association.
Titu From Massachusetts Call
FccreUr of AgrlcuItureJWIlson yester
day received two of the Northern Corn
Club boss. They were the first of the
young Northern farmers who are being
trained by the department unaer tn re
cent extension by Congress of the farm
R. S Russel. State champion, and I.
W. Hibb-ird. both of Massachusetts, were
received by Secretary Wilson and had
their pictures taken with him.
About r.ono bovs are in tne northern
Corn Club Brigade, but the reason the
Massachusetts boja rami now Instead of
later Is that Russel Is a freshman at the
Agricultural Collego of Amherst, and
could not leave his studies to come with
rest of the bovs, who are due here
January At that time there will be
representatives here from eighteen dif
DISORDER MARKS STRIKE.
Tnr Ilnsrn Arreala Made na Rewult
of (.annul Worker Activlt.
New York. Jan S Two dozen arrests
as the result of attacks upon clothing
factories In Manhattan and Brookljn to
day marked the progress of the garment
workers' strike. - 't " progressing
was declared b - -
claimed that l.C n . - s n. .
added to their - to
making 107.000 v , , i ., in or. j
When the day rdfd tt . tft. r-s -if th
arbitration com 't ' :-. a.r
Commerce to - tit Mfr r i s b
tween employe- ui n5 w. re st.
fruitless, althc i i ''..
mlttee and retrew. a:
of the strike r h' I ur 'her ot.K eon- j
ing the day w.
leaders to efforts of strong-aim .. t
drive away union pickets from the
neighborhood of the places they were
hired to gu-vrd for fear more men and
women would Join the strikers' ranks
"THE SCHOOL YOU WILL EVFNTITAI T.Y attfnty
ys1-4-H--' - '-. ;..r...4
In Profusion to Be Worn
In Honor of the 100th
Birthday Anniversary of
SIR ISAAC PITMAN
Inventor of Shorthand.
. r n. it
n bnth eld-a '
her onic rrn- !
occu-ro! " ' j X
hi the, ' J
Grown in the District of Columbia.
"The Imagination in Relation to
Health and Disease hag been selected
as the next subject for public discus
sion in a lecture to be delivered by Dr.
Charles F Wlnblgler director of the
Washington Ps j cho-Therapeutlc So
ilets. at the Women s Christian Tem
perance Union Building. K2 Sixth street
Northwest, next Monday evening. Jan
uary 6, at S o'clock
nh& $c 0tnmtttj
Phone Main 4278.
1214 F Street N. W.
frfr-frMfrJ; if4-t- 4''sV4-----sr-"l-sVsVsV4-i' ! 3 ! t' ! -
PAPER DEALERS AND STATIONERS.
300 Ninth Street N. W.
w. w. deal a i.O
sis ii snicrr win cast
3S3stszsasssssz2ssjim i m
I can always supply your needs.
W. J. KROUSE, Photo Supplies,
SOB C Street N. W.
W c sine. Herald tzrOOO contest votes.
Mldmcht tS I a. tn . 44. I a. ra . 41. 6 a m. 47, S
a m. 54 10 a n.S.KBra 43, 2 p. m.. 41. 4 p.
m 42. s p. m.. 3J.8P. m.. 35. 10 p. m. Zt Hijtat,
60 lowest. M.
Uelatlre humiditx 9 a. m., 97. 3 p. m.. 40, 8 p. m..
43. Rainfall (8 p. m. to B p. raj. 0 7. Boon et san
thlnr. 0 T per rent of pawdble sunshine, 7
Temperature Fame dale last year llishest, 36, low
Temperature In Other Cities.
Temperatures in other cities, tfgTther with tba
amount of rainfall for the twenty four houn ended at
8 p. m. veaterdaT. are a follows.
Mar. Ilia. 8 p.m. fi'l.
Anhrnlle C ... . 2! 38 030
AUanU. na. 3S , X X 0O8
Atlantic Citr. V J. . .. ' V 0 73
Itismarck. N I)ax 28 1 I
Tlmtra. Mas ? 40 41 CM
ItuflaJn. N v. . . z -A 32 Otl
Chicao 111 32 -2 28
rinannati, Ohio 3 24 28 0 48
Cheyenne, Vyo .. 44 32 38 ....
laennurt. Iowa 34 18 3! ....
Denrer Colo V8 41 9) ...
Ilea Moinea Iowa 38 )i 30
rrilnth Minn 6 0 : 0 M
,a!retpu Tex 62 42 5fl
Helena Mont 48 42 26 0 10
Indtanarnlis bid .. . . 23 22 28 0 01
JarkionTinr Fla 52 48 0 10
huiui Cit) Mi. ... 48 28 48 ....
IJttle Unrt Ark .... 58 28 62 ....
!-o Aucelea lal .84 60 r
Marquette. Mich 26 22 18 0-
Memphis Tenn 48 30 48 ...
New Orleans. La 84 40 S4
New lork. Y SS 46 32 0J
North Ilatte, Nebr. 46 26 40
Omaha J.ebr 40 20 36
Philadelphia . Pa 62 41 34 01
I'ittabtinr. Pa 38 33 24 0 bo
Partial!, Mr S2 38 4 Oh
Portland. Ores .... 50 50 38 Ojs
Salt Lake City. Utah 44 20 42
t. Louii, Mo 42 24 38
St Iaul. Minn II 6 12 0 01
han Kranckiro Oal .. 82 48 S8
hrrinslldd 111 ... 38 22 34 ...
Taeorca, Wash ... .... 40 . 38 1 05
Tampa, fla fll SI l
Toledo. Ohio .... 31 28 32 0 48
A Business-Making Special
Choice of All Our $25, $28,
$30 and $35 Fancy Suits for
We're going to give you" the choice of the best in the
house at a big reduction in price to-day, because a year
ago this Saturday was an enormous one and we are
bound to beat it.
With every Fancy Suit of these finest grades included
means you have choice of the extreme or modified Eng
lish models; and of the conservative models in those
exclusive patterns we control and in that superior making
There won't be any difficulty about size.
Ambition has worked a wonderful opportunity for
you in this sale just at this time. .
At Special Removal Sale Prices
STENOGRAPHERS' NOTE BOOK H49, SO leaves;
good ink paper; regular price, 50c ilozcn. bale C.f
price, dozen safVafsVar-
ODDS AND ENDS in $1.00 TYPEWRITER 0 AC
RIBBONS at 25o each. Dozen iJ)fHJ
CARBON PAPER S'Jxll and 8' 2x13: all color. Regu
lar value, $2.00 per box of 100 sheets. Special price. tf i fi
per box W W
TYPEWRITER PAPERS all weights and qualities. We
offer exceptional values in the following paper:
No. 100 LINEN LIGHT-WEIGHT, bjixli, per ream w
No. 1018x13. TJcr ream
No. 104 Linen Medium-weight, SxlO, per ream 35c
W. 1ln Bvll rw.f rm ..... 45c
No. 1068x13, ruled, per ream
Wc will moc January 13 to our new building,
1310 New York Avenue Northwest.
! .,.i. fA T1.nA.ll VTatl PlDBT Ox
W splTe Herald 93Z.00O eoateajt Totes.
For a Disordered Stomaeh
HnfTs Lemon Kelrllltz ! the irr..r,.,i i
thinff In the world. It Is prescribed by I
piofeiciuns everynutra ana lur sale by I
Special Sale of small lots of Full Dress and Fancy OQ
' Madras and Percale Shirts $1.25 to $2 grades . . . Oi7C
The Choicest the Market
Affords Can Always
Be Found at
402-404 H St. N. E.
We Itc Ilerald 3?00O contest rotts.
2315-2317 18th St.
Phono Columbia 38.
Wholesale and Retail.
We Have Moved to Our
18th Street Store
We T Herald 823.C00 eontest weieav.
LATEST APD HEW EST DESIGNS III
See me for up-to-date Ideas. Esttnutes
MS95-M 1451 P St. I. W.
We aire Ilerald (2S?3 contest