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\NSUR ANCE ISSUE:
AGAIN TO FRONT
INCRASE IN RATES NEW BONE
OF CONTENTION-MCMASTER ,
DISPATCHES FROM COLOMBIA
Doings and Happenings That Mark the
Progress of South Carolina People,
Gathered Around the State Capital.
F. H. McMaster, state i.suranco
comlislIoner, issueti the following
statement with regard to the in
crease in fire insim-aiie rates, which
the South Carolinn' Inslpect io1 and
Rating Bureau will put Into elfedt in
this state on October 1:
"As is knows. by those' who have
readt the law passed at the recent tics
sion of the legislature which repeal
ed the Laney.Odom act, the Insur: nce
comminissioner has no more power ov,
lire insurance rates than any oth -
citizen of the state. All that he may
do is to refer allege.d discriminatory
rates to the South Carolina (o)m1is
siotn of three to me appointed by the
governor. This any private citizel.
may do on his own account. In re
spect to excessive and unreasonable!
rates, the commission of three itself
is bound by a formula in the law well
nigh imlpossible of fflective api)lien
ton having under consideration the
various retirm1ntii of the Formulla.
"The commtis:.ion~er maly istunire of
the bureau Ile reasons for the in
crease in rates. 'i'This the conm1is
aioner did do on September 1 and ill
reply thereto the burean gives t.hli
"'That the datar cn which the in-1
crease were buased, gives restIlI of
the experience of ;P) or More of the
most proninet companies operating
in the State of South t.'arolina for IIe
proceding live years, as follow:.
"'Alercatlile blilhiin gs. loss ratio.
73.24 per ceni; contt'ls of mircani
tile buildings. loss ratio. 90 per ctI ;
dwellings amd their contenuts, less rai
tio. 108 per cnt.
"'The other clahsses upon wlihl in
creased rates are to appily Octobe11r I
are notoriously unprolltable. h'iuis is
so well known to the unilerwriters
Ihal they dil not deem it necessa ry to V
get too great aibor in preparing de- 4.
tailed statistics to d.lmonstr~ate a fact ,
well known. Therefore, we have no
dailta giving is det all, the ex p rime' .t
with these classes.'
"Tho commissioner does not doubt
the accuracy of the ilgures given in .
this letter and under the circun
stances and under -the provisions of
the act of 1917 dloes not1 see how~ tile
South Carollmn commission to be up
pointed may do anything.
"But the insurance commissioner is
of the opinion that the fire insurance
(olpanies and their agents are re
Sponisibie for the se e'xcessi5ve loss r
ioi-. lie callis attenltioni to the fact
that last year' when .these comlfpaniecs
iad wi11'thrwn1 fr'om the staite that
t he loss ratio of the South Caurolina
eompanies for the year' 1916 wvas only
20 per (cent and1 of t he companies I
of other states which did business in
South Carolina in~ 19116 their ratio was
35i per cent. The commissioner states
that these figures may not h~e taken
asa 'omlehtte showing blecaulse of the
fac(t thait the lar'ge mass15 of thle busi5
ness5 was wr'ittell towards thle latter
par't of the year and it would ho neces
sary to extend the r'ecord' far into
19017 to get ani2CCi accrat idiea (If the
actual loss for t he& premlium~ls writ ten
ill 1916.' IBut from tile hleat obta inlel
informiattin, the loss lratin of this
business are remnarkablly low. This
the 'ommiissionIer tributes to thle very
''nroful writinug by the comnpanieos last
year andl the more careful select ion
anid su~pervislin of the agents by the
"Thi'ecomiiissionier aldds also that
it does5 seeml remarkable that stock
(con~aiellnd111 it necessary to c'harge
$1 per $1010 for fIre insuranlce when
the mutl icompa~lnies5 in this state
on thle average for t ho past ten years
have writtent not only tIre insurance,
but windstorm insuiranve on1 far'm
dwellings. barns andl~ tenanl~t houses, at
an1 aiverage rate of about 45 cents per
$100. And yet those farmer agents
are not supiposed to know anything
"Likewian there are a nuniber of
mutual companies known as inter-In
surers which are saidl to ho writing
selected lInes throughout the state
and giving results incomparably less
than the stock companica, which, how
ever, write everything andi seemingly
anything. The commissioner states
that so far as lhe knows that only one
town in this state. Charleston, hat
anything like accurate records of itsm
fire lossee. Those were recently stat
Forethought Will Prevent Fires.
Several suggestions to reduce Oro
tosses have been made by F. H1. Me,
in ietters which have been sent out
from ,hls office. One is that at thih
season of the year a piece of old she
sine or a discarded dry cell battery b<
placed in the fire place or stove. Thi
fumes from this will clear the chimi
-iey of soot and thus save mani
iouses that other'wise would be burn
ed. Further suggestion to reduce fire
waste is to clean up cellars, garreta
an...t eis.- in enneal of trsh.
ed to have beets on the .rge "
the past 38 years of about $66,000 ali
the anijual premium eglleeted i
Obarleston are estimated to be .abou
$300,000, showing a loss ratio for the
City of Charleston of about 22 per cen
annually for the past 35 years. There
fore the conimissioner can see no rea
son whatsoever for the increase o
rates in Charleston. He has brough1
this matter to the attention of the
mayor of Charleston.
The commissioner states that other
towns in the state may secure the low
loss record of Charleston if they fol
low the exaliple set by Charleston
and prohibit shingle roofs within their
limits which Charleston did in 1938
and if they will (o like Charleston,
see that chimney flues are kept free
from toot, the garrets and cellars and
premises are free fron trash and
greasy rags and ashes, hot or cold, not
permitted to be put into wooden
Authority to Run Creamery.
The co-operative creameries of the
state have been granted permission
by the war department to erect an ice
cream plant within Camp Jackson.
This will furnish an outlet. for the
products of the creameries and will
bring much ready rash to the farmers
of South Carolina. The matter wa;
handled with the war department by
W. W. LUng. stale agent for the farm
demonstration -forces and director of
('Iemson College extension depart
ment. Concerning the lee cream plant
Mr. Long says:
"The very gracious and generous
letter of General lBarth inadeates the
splendid spirit of eO-Operationt and inl
Itrest. in3 the agricul 1tu'e of 111r State.
We anurt unde'st and. however. t h:
the a rny hod made large contracts for
ft:rnishing t13ppli's before the cn11ton
menit was esIablished at Columbia :3a
they (0ul not afford to take th
chance of obtaining all the necessary
supp1 ies frot 1a lal Sour-c' . hIt. as in
diate in General.lharth's letter. thc'y
will be very glad to pur1tchase wh:u:
ever they (nn from the farmers of tei'
Several dlays, algo 'Mr. Long wrote :1
letter Io lItrig. (rit. ('hales II. Ilarth.
In the n~lnte (1f the creatuo, rie:; of the'
,ate. tha ekingt hint for thI' !)riviley o
oaf erecting a-1 ire' er":ain plaitt within!
Ilie canttoiueunt at Coluihia.
General Ihartit t "plied to Mr. Lone:'.
iter as follows:
"ltet' eringt o iii trs of the ':rrl in
titn. c(oncerf litig the pitrebilseii from
armi-r:: of Souiith ("arolinta of ':additiotn
1 a ricultura lIoduct :.' I have.( to sat
hat I hate (ii'ie'cle d nhe dlvision (31uar
erl'iase'r and d(8iision exchange of
(er to comlply with your wish.'s
h (eree''r it (an3 h' done and consis.
lit with the hesa interests of the
"I wit 1'1h11!et to tate that I m11 t
tore than wil!ing to c o-opera;te witht
Ito far3tners to help theml develop
hir1' agrb'iculi tr. My Lest Wishes to(
o with you andthem for the success
,' the o-oerativ3 e 'realme'ies enter.
rise about to he located at Camp
ourts to Pass on School Books.
'Thomnas H. P'eeples;, attorney-genter
1. has granted Lawson D. Melton per"
1i.s10on to have'i the state board o. f
diuratlion's r'e(cent t extbhook adopt)1ion
eviewed In the couts of the state.
30ntenitioni is that tihe board hats eIx.
eeded Its author1it y In adopl~tinag mor0o
han 60f per~t cenlt of thte textbhooks to
5' u1sed inl the publi1c1 schools, which
-h1anges are tnot to lbe made oftener
than once inI five years.
in per'mittinag t he suit. to be brought
In the name of the state. Mr. Peeping
emphasIzes thtat the ac(tIin is to hn0
taken on ('onditionl that the palrtieu
repre1'senlted Int thet suit wi'll gularantee
3(1 1indemiIfy the st aite aigalinst alil e1x
pe~nse in''voved. Mr'. Melton explained
that "It 114 n103 011r desire to instituteo
aniy pr'ocee)dings that will t-log ther
mlaciner~ty of the s(choos 01' in~ any)
manner inter'ilre wIth th' prlogr'es."
BIggest Poultry Show Ever.
Every indlienltion1 pinits to the' big.
gest pouiltriy show in th1e South alt 3110
State Fairi nex3 1mon1th. TI's1 year) the
1)0u11try exhibIt will be undoer' Ite dl
r'icet. (contrli of tihe new'~ly or'ganIzed
South Car'olina Poultry~ llreeder's' As.
5ocialtionl. The otfficers ar'e: L. C.
I tr(eeden, HennetlttsvIle, presldent ;iDr.
IE. C. Conner. Greeniwqod,. first v'ice
prsidenI~1t; S. A. Mathiar. llrm~o, second
vIce president ; . 11. Zimmerman, Co.
lumin)a, secretarytreasurer. Tihe exec.
ut'e(bar 11inude officer's andl
C. C Cleehu~.ilock Hil1; WV. H.
Cunninghami, Lancl(aster'; "W. M.
Le'vi, Sumter, . '. FLMc'Iendn. Bishop.
vIlle; Frank. C. liare, Clemson Coi.
lege; J. H. Watson, Ridge Springs
1311( J. Wt. WVilson, Spar'tanbutrg.
TheCSo( men1 who aire theo leaders in
the poultry industry of the state are
giving their ihearty support to tile
state ponutry show with tile determi
nation to make It a pr'onounlced sue
Liberal preiums have been offereti
ain all classes while .hue are silver lov
inlg cups and $250 in c-ash specialt
for those who have tile best birds.
Secretary rants New Charters.
A commnission was issued for th
Columnbia Wholesale Company, the prc
posed capital stock of which is $15,000
A general business of buying and sell
ing fruits, grocerIes, food and vroduci
business will be conlducted. 'rie cow
I pan1y will also buy and sell real estati
and securities. Petitioners are J. ?N
Mobley and Alan Johnstone, Jr.
A charter was issued for the Column
bia Undertsiking Company. The capita
stock in $2,00(}. Rloy M. Abbott I
president and .1ay M. Abbott vice pret
ident, secretary and treasurer.
Mountaineers Will Hear Cannon Thug
der on Chestnut Ridge-Engl.
neers Are at Work.
Spartanburg..-A long and reguhi
line of Urfited States army tents 1i
their yellow cones today from a clea
lug on the lower bench of Chostnt
Ridge, a long spur of Hog Back Mouw
tain, one of the southeastern sentinel
of the Baeto Ridge Range. Back c
these tents dark pines form a sem
circle, while still above then th
mountain rises to a height of 3,00
feet. Before the camp site bottor
lands of corn border a small strean:
the headwaters of Pacolet river. Th
scene is 26 nMiles northeast of Spm
tanburg and just over the county lin
In Greenville county and surround
the camp of a detachment of 50 mmt
from Company L, Twenty-second Nov
York Engineers, under the comltan:
of Lieutenant O'Dell, who were sen
out to establish camp and begin th
first construction of the great arti!
lery range to be the training ground
for the 'Twenty-seventh Division.
Camp in Order.
A train of ten big army trucks fol
lowed the engineers carrying supplies
and tentage. but arrived too late to
prevent the detarhment from usitt5
their "pup" t. ; for the first night
out. Newspaper men visited the cam;)
to find things in order about the out.
fit and the muen turning their atten"
tion to the opening of highways for
cars and the heavier trucks. 'The air
bore a touch of fall and brought zAt
to life and every man was titnglin.
with the thrill of the ope;t country. the
breeze from the mountains and the in
spiration of the first fall colors in the
These men have gone ahead under
the direction of Capt. George W. Wick
('rshtam. Jr., who has been assi'gnel to
the target range to do the firt work
in connection with the establishmettt
of the camp for the heavy artillery.
I lere a camp will be estalishel that
will take care of more than 2.000 ren.
The largest guns will he par'ed her(
antd a series of targets extending ovei
routr miles will he arran'ged. There
te three mountain ridges and thme fia*
ing will be over these. at a first, Sec
ad tiand third series of trsrgets. Th.
)ig guns will he conealod, the siginal
y:tem will he estallisher and all the
*on(itions of warf' rc'' on the front in
prance will be duplicated.
Pee Dee Plans Big Fair.
Florence.---The preniunt list of the
ee Dee fair, which will be held early
t November. will amount to consid
'rably over $.00(l. Within 10 days
he premium list will be ready for dhi
ribution. It. covers .uemost every linet
)f endeavor coilmn1 to the Pe' 1)ec'
;ection. though of course it has to (do
mostly with live stock and agriculture.
This season especial attention is 1)c
ing paid to the work of the women.
who are doing so mucth to relieve food
conditions in thi; time of stress. The
new brick building which will replace
the wooden structure burned last year
will soon be completed. t. will on
tain twice the floor space of the old
building and will be equipped with
avery convenience. Frotm the present
indications e'very availahble foot of
space will be taken by .exhibitor's.
Florence county is tratpidly forgiung
ahtead in agricultural mnatterms and will
contest every enutry from its teigh
hot's. The Pee Dee fair embraces ev.
ery county in this sectiont and the spir
it of friendly rivalry which exists
among the various counties can al
ways find an outlet at the Pee Dee
Secure Third Infantry Regiment.
Washington .-Gov. Manning. whc
was itn Washington its conference wvitt~
Secretary .fBaker, Gett. Crowder. pro
vost marshal arud General Bliss regard
inu: a new infantry regiment for Soutli
Carolina and the nmhmer of men whu
atre to be sent to Camup .Jacks~on. aftei
thte conference authorized the state
muent, that the regiment would be or
ganiz~ed and that, at Camp Jacksot
there womdd be a division of whit<
drafted men brought up t~o full wai
strer.gth, which medna about 28,001
IPTe man power of the state, be said
is divided into the 'organized and un
organized militia, He deems it prope
to immediately otrganize the unorgatn
lizedl militia and form a regimenft c
state militia for use in the state.
SOUTH CAROLINA NEWS ITEMS
It became practically certain thai
the selected army men from Florid
will ite transforred from Campil Jaci
sotn at Columbia to Camp WVheeler a
Foutr tnegroes wero killed and seve
stutnnedi diuring a terrible electric storr
at Camp Jackson. Coroner Scott sai
no inquest would he necessary. Thi
dlead are: eorge C. Kit-t, of Biranel
Ville; M. Chutrches, of Faort Motto;.
M I. Green, of lilastover; W. J. McCotti
The diectors of the York county fa
have announced that no county fai
will be held this fall. This decisic
-was reached because of the fact thi
.the railroads would 'not agi'ee to hmi
-amusement companies, and because <
the further fact that it is practicall
-impossible to secure labor for tU
work necessay to conduct the fal
Also, no special rates ouidd be secutr(
or special trains operated:'N
-rThe Lee Coutnty fair will be hel
1 November 28 to December 1. 11he pr
n iunm list just issued totala in all (1
.partmentgt premiums to the amnount<
Calomel Salivates! It M
Liver Tone Act:
Every druggist here, yes t yc
i everybody's druggist has notice<
off in the sale of calomel. T
same reason. Dodson's Liver ']
"Calomel is dangerous and pec
Dodson's Liver Tone is safe an
suits," said a prominent local dri
Liver Tone is personally guar
druggist. A large family-sized b(
cents and if you find it doesn't
daigerous, salivating calomel yot
for your money back.
)Dodson's Liver Tone is a plea
ly vegetable remedy, harmless
and adults. Take a spoonful at n
feeling fine, no sick headache,
SERUM FOR RAT-BITE FEVER
Japanese Physicians Declare Cure Is
Obtained From Veins of Persons
Who Have Recovered.
A group of eminent .Japanese (lo(
tors has been busy studying rat-bite
fever ever since Feutakl, Ishiwara and
their associates reported two years ago
the discovery of the microbe that
causes it. This is a spirochete. so
called because Its form is spiral or
zig-zag. Several types of this spiro
chiete were found in men who had been
bitten by rats, and in guinea pigs that
had been experimentally inoculat('(1.
These were identified by Futaki as in
all probability Identical.
Doctors Renjiro, Kaneko and Kikuzo
Okuda of the Imperial university In
Kyushu. F~ukuokca, ,Japan, contribute
to the Journal of Experimental Medi
e'ine a confirmation of Fitakli's belief;
)octor Rokichi Inada c(otribautes a
description of the disease ; Doctors Yu
takai Ido. Rokuto Iolt, Hiroshi Ito and
lidetsune VanIl describe experiments
that prove the rat to be the common
carrier of the Spirocheta icterohaemor
rhagicn. as the microbe of the disenas
is called ; and Doctors Yatuka 1d, III
roshi Ito, Hildetsune Want and Kikuzo
Okuda discuss the possibility of pro
The latter go into details of thelm
experiments and come to the conclu
sion that the "serum of persons wvh'
have recovered from rat-bite fever con
talns an iimmune body which destroy:
the spIrochetes of that disease."
TIhe importance of these articles lie:
In the final proof that this spirochete
is the caus1e of thme fever, that rats ar<
the carriers, and that tihe disease cam
Minimum of Waste..
"No waste, nowv, ma ; no waste. WI
all gotta help."
"You attend to your own business,
snappel)d ma, with some acerbity. "Thb
I n)ly thigs I throw away are tem
leaves and( egg shells."
The man who borrows trouble I
generally pretty good about paying I
When you eat c
boys in France.
Corn is an admix
Whether or not
Cake", or corn p
The newest wri
white corn-a si
and costs but a 1
akes You Sick and You Los
i Better Than Calomel any
(omen, Children-Read Gi
)ur druggist and sour stomach c
1 a great falling- Tone doesn't g
hey all give the day like calome
one is taking its Take a dose
you will feel si<
ple know it while a ,day's' work I
I gives better re- Docison's Li
iggist. Dodson's You'll know i
anteed by every wake up with
>ttle costs only 50 bowels clean, b
take the place of You will feel c
have only to ask for a hard day
You can cat
;ant-tasting, pure- of salivating y
to both children Get a .bottle
ig'ht and wake up on my guarant
biliousness, ague, of nasty, danger
Willing to Participate.
WVillard was inpping vhen his young
brother canme and begged him to pla;
train. With unusual Indulgence h,
said, "All right, I'll be the sleeping
car," and continued his rest.
To Drive Out Malaria
And Build Up The Systen
Take the Old Standard GROVE'*
TASTELESS chill TONIC. You know
what you are taking, as the formula ii
printed on every label, showing it i:
Quinine and Iron in a tasteless form. The
Quinine drives out malaria, the 'Iron
builds up the system. 6o cents:
No Other Place Woud Do.
A dentist, who had been made nerv
ous by frequent burglaries in hi
viclnity, was somewhat startled recent
ly by having a man come regularly a
the saine hour every evening and si
on his doorstep. He finally suggestei
that, if It would be all the sanme t<
him, he would be pleased to have hin
divide his attention and sit on somg
neighbor's doorstep for a while.
"But it wouldn't he the same,
shouted the visitor, "nor anythlig Ilk
it. You tare a dentist, and I have i
aching tooth that I haven't the cour
age to have pulled out. I come her
every afternoon trying to make up in
mind to have it out, and an soon as
come In sight of y'our house it stop
- aching, but when I sit on your door
step, and the confounded thing know
It can ihe pulled out If It gIves i
trouble, I lhavei somec rest."
Being Just to Husband.
Mollie hiada very pronounced liden
regarding~ the rIghts zandl wrongs of he
"Doan't you thInk, Saille," she uasket
one diay oif heri deairest friendl "Ithat
womian should get a man's p~ay?"
-"WVel," replIed Sallie, aitler a am
mnent of delIberatIon, "I t hink alh
should let -him have ear fares ani
lunches out of it."-Youath's C2ompan
"WVhat was uppermost in youru min
the first time you wenat 'over the tol)?'
"I seemed to hear someone saayin;
'Doesn't lhe look natural?' "
orn instead of wheat you
able cool weather food.
you like corn bread, cor
one, you are sure to like
nkle in corn foods-crisi
ibstantial food dish with a
}st Toasties Yours1
e a Day's Work.-Dodson's
is Harmless for
r clogged bowels. D'dson's Liver
ripe or cause inconvenience all next
of calomel tonight and tomorrow
k weak and nauseated. Don't lose
ver Tone is real liver medicine.
t next morning because you will
your head clear, your liver active, '
reath sweet and stomach regulated.
lecrful and full of vigor and ready
anything aftervards without risk
ourself or your children.
of Dodson's Liver Tone and try it
ce. You'll never again put a dose
us calomel into your stomach. Adv.
Over the Fence and Out.
At the Gibson county fair at Prince
v ton there are places where the fences
L must be guarded to keep boys and
others from swarming over aind in,
siys the Indianapolis News. This
year one of the amateur policemen
appointed for a long strip of fence sat
down in the shade and fell asleep. Ben
Murphy, president of the tissociation,
chanced to see a long, gangling youth
climb the fence there. "You'll have
to pay or get out," he told the youth.
"Got no money ; guess I'll get out,"
was the response. "No, on second
thought," said Murphy, "I'll let you
stay in on condition. You go wake that
policeman and tell him you climbed in
over the fence."
"Shucks, tht he'll throw me out."
t "Try it, anyway," stid the presi
t dent ; you'll get to stay."
Long Boy didl as bidden. "I climbled
over the fence," he told the aroused
"What !" exchisltingl that individuaL.
"Then right out you go."
IHe dragged the youth towardt a gate,
but the youngster yelled lustily to Mr.
Murphy and he cane up.
"1'm putting this hoodlum out," ex
Spiined the policeman; "lie climbed
"ie said he did," snapped back the
association head, "but I told him to
stay and have appointed him to keep
s you awake. Turn hin loose."
^.Long oy 'saw the fai,. but no more
of his kind got over the fence that
"Alas I" said. the drummrer at the din
ner table, "kindly look closely and you
1will observe four flies swimming about
in my coffee."
"Too tiue," replied the gentle wait
ress of llucekahuck tavern. "It is In
deed unfortunate, sir, but if you will
,let the cupI set, or sit, as the case may
b~e, for a few minutes the insects wilt
drowvn and then sinkc to the bottom,
and you will soon forget all about
' Piactice doesn'talysmk c
Sfe,)Uitmkssome lawyers and
are saving for the
n muffins, "Johnny
bubbled flakes of
n~ alluring smack