; if it were put up to any of us to place a "money value9* | on our eyesight, we would, of \ I course, be unable t? name a fig? ure that would represent its f| value. ? Yet, when their eyta need at? tention, so many people mini I rhize the importance of proper I professional services, and allow irresponsible practitioners to I serve them. Sometimes this is done be? cause of the supposedly small "?" money saving; and often through lack of proper in? formation. Due to the magnitude of our .- organization and patronage, we give you the services of Oculists (Registered Physicians) for the examination of your eyes, and skilled opticians for the adjust? ment of the mountings. .M. //. Harris Eyeglasses have back of them the responsibility and standing of the Largest Op? tical House in the World. Their cost is moderate. S05 Broadway, corner Duane Street. 17 W. 34 St., 3 d'rs f'm McCreery & Co. f>4 East 2'id Street, near 4th Ave. 64 W. 125th Street, near Lenox Ave. 442 Columbus Ave., bet. 81 & 82 Sts. TO Nassau Street, near John Street. 1405 St. Nicholas Ave., 180 & 181 Sts. 2629 Broadway, bet. 99 and 100 Sts. 8548 Broadway, bet. 145 and 146 Sts. 3007 B'way. nr. Willoughby, BTdyn. 489 Fulton St., opp. A. & S? B'klyn. 683 Broad St., next to BedeLl, Newark. : derstand that this side is not going to make the treaty a political football, and that we will go to the extent of sacrificing our own wishes in order to get a compromise." Lenroot Questions Statement Senator Lenroot declared that Sen? ator Hitchcock "repeatedly refused to discuss a compromise," until after the vote on the treaty ?n November 19. He insisted that the Republicans initiated the bipartisan * conference. The Re . publicans, he said, suggested that the Democrats ask Senator Lodge to call the conference after many Democratic Senators had gone to R?publicain* and said that, they were willing to accept the Lodee reservations in order to secure* ratification. "There are enough Democratic Sen? ators who, if they will cut loose from the leading strings of the President, will vote fur the original Lodge reser? vations to ratify *the treaty," asserted :JSi?nator Lenroot, "The Senator from ?'Nebraska, throughout, this controversy i-;*ince he has said he was willing to I irompromise, has never been willing to j {negotiate on any line that would secure j fa two-thirds to ratify the treaty." The proceedings in the bipartisan ; [conference, which were krpt secret ! "(during their progress, then came in | ?for an airing. Senators Walsh, of i ?Montana, and McKellar, of Tennessee, ? ?two of the Democratic conferees, de? clared the Republican., had broken tip ; jth'1 conference. This the Republican '.conferees emphatically denied. ; ? "The Senator from Wisconsin, Mr. Lenroot, says there can be no change 'in the substance in the reservation on .Article X," said Senator Borah. "I agree. I gather that there will be no 'yielding on this Hide as to the sub ?sianco. of that reservation, and as for ,the other side I gather likewise that it ;is impossible for them to accept the ? Reservation without substantial changes. 5f this is the case we are simply killing "-: , ?? ,,???,.???,"",;?. ,1." . time to keep th? treaty here, for it ia apparent that there can be no agree? ment. Impossible to Avoid lasue "Gentlemen will finally recognize that it is impossible t'o keep this issuo out of the campaign. Tho New York Republicans met yesterday and took action which is certain to have influ ?nc? because of the importance of that stato and its leadership in the nation. As a result of that action the New York Republicans have made it the dominat? ing issue of the 1920 campaign. Chair? man Root hopes for ratification with the reservations and said it would be accomplished if the President per? mitted. If it were not done, ho said, the Republicans should stand for the treaty with reservations. After March 4, 1921, a Republican President should ask for a reform of the league that would place the maintenance of world peace on the basis of law ra,ther than Of power. "If the first duty of the new Repub? lican President shall be to have a new peace conference revise the treaty, then certainly it is in the midst of the cam? paign. Every foreign element in the country will be active, seeking how best to promote the interests of native lands across the sea. Here in the Sen? ate this debate opened a year ago to? morrow, and we are no nearer agree? ment now than wo were then. To-day we are only two or three months from the nomination of candidates, and it is impossible to stop this issue. By con? tinuing the debate we aro merely clog? ging legislation that ought to pass. President's Position Fixed "In view of his statements the Presi dent cannot possibly accept the Lodge reservations, which ho has said would cut the heart out of the treaty and break the heart of the world. "I opine there has been^considcrable bluffing by Senators on both sides about not, wanting this question in the cam? paign. Senator Hitchcock bravely tolls us he is not afraid of it. It certainly is a new political attitude, to be anx? ious to avoid an issue on which one feels sure of winning. And let me saj that if you go in on this issue you will come out of its stripped of the reserva? tions. I have talked to forty-two great mass meetings-since this debate started ? and I say to you that the people go te | sleep when you talk to them about res j ervations. They are not concern?e I about the difference between the mean i ing of the words 'unless' and 'until.' "No candidate for President who hai declared himself on this issue has thus far made any statement except that lu? is opposed to a league which wil change our traditional foreign policy i "Why do the candidates invariable ' oppose any departure from the doc trines of Washington and Monroe? Be I cause they havo felt the ground-swel I from the country. Yet how will yo\ j ever write a league without changint and sacrificing the traditions of ou foreign policy'.' I say to you that be fore a campaign is thirty days ol? the league will have evaporated out o I it like the mists before the sun. i wrote to Governor Cox of Ohio, sonn thirty days ago, asking him where hi stood on this question and he has beei ; reflecting ever since; I am still wait i ing for a reply from him. The Demo I crats will not nominate any candidat? ; who stands for this league withou changes." Election Held Only Arbiter "No, because it would be useless,' interjected Senator Ashurst, Democrat of Arizona. "Precisely," replied Senator Borah "And if there is no chance of eithe side yielding it is useless for us ti go on with it. Only an election ca? settle the issues.'' The "mild" reservationists, who havi been working for a compromise, he liovc the action of the New York Re publicans will hasten ratification. "The position taken by the Repub licans of New York should help greatl toward bringing about early ratific.i tion," said Senator McNary, one of th "mild" reservationists. "Tho fact tha they did not, insist upon ratificatio: with the original Lodge reservationr but with reservations retaining th principles of the Lodge reservation?: should cause many more Senators I support modifications of the Lodg reservations/' Dutch Chamber Wants League Open to Worlt \ Admission of AU Civilised I\( tions Advocated in Votin for the. Entrance of llollan THE HAGUE, .Feb. 20.-?Decrease ! armaments, speedy institution of a pe: manent high court of justice and in 1 mediate admission of all civilized m tions desiring to enter, wore demands attached to the resolution passed to? day by the Second Chamber of the Dutch Parliament approving Holland'? entrance Into the league of nations. During the debate it was explained that these demands did not constitute reservations, as reservations were not permitted, but were suggestions that the Dutch government would enter with the idea of having these princi? ples adopted. ' "While the league without America will bo different from what was eje pected," said Foreign Minister Karne beek, "still the difference is -not ho great as to authorize Holland to stay out." ! In connection with the delay of America to enter the league, it is learned that several European neutral states which up to some few weeks ago wire inclined to wait for the**Trnal de? cision of America since have decided it was desirable to hasten their en? trance regardless of any action by the United States. BERNE. Feb. 20.- Adherence by Switzerland to the league of nations was recommended by the .Swiss gov? ernment in a message to Parliament to-day. What has been known as the "American clause," by which Switzer? land's entry to the league would de? pend upon similar action by the United States, has been abandoned, and, if Parliament approves the recommenda? tion, Switzerland will become a mem? ber at once. Test Friendship Link By Link, Advises Davis Ambassador Tells Britons Tic Between Two Nations Should Not Be Strained OXFORD. England, Feb. 20.?John W. Davis, the American Ambassador, speaking to-night before the Oxford University British-American Club, gave an exhaustive explanation of the treaty-making powers of the United Qtates. He prefaced his remarks with a comparison of British and American treaty methods and the characteristics of the two peoplets. e "The many similarities between the two peoples ought to make, and quite surely do make, for their continued friendship,"' said Mr. Davis. "We must be careful, nowever, not to put upon these ties a strain stronger than they will bear, and wa Bhall know their strength better if we test them link by link." In concluding the ambassador said: "The American people are likely for many years to accomplish through this means (the present treaty method) their compacts with mankind. The checks and balances by which it is sur? rounded and the free and full debate which it allows are in their eyes vir? tues rather than defects. . . . There is not and never can be a secret treaty binding them either in law or in moral.'*." Dock Workers' Efficiency Not Aided by Prohibition Men Believe Little Liquor Would Have Minimized Recent "Flu' Epidemic, Report Says Prohibition has not resulted in higher efficiency, fewer accidents or fewer employees being absent from work in the Dock Department, accord? ing to a statement sent yesterday to a Boston newspaper by Murray Hulbert, Dock Commissioner. The Commissioner had been asked to investigate the re? sults' of prohibition among dock work? ers and lonsrshoremen in this city. "Our dock builders must stand on partly submerged rafts to carry on their xvork, and in the winter often? times in the face of high winds and freezing weather," says Hulbert's state? ment. "I am informed that in times past the moderate use of brandy or whisky has been deemed essential to counteract the easily acquired chills r.nd the consequent illness. The men firmly believe that the high rate vf sickness which prevailed among them during the recent influenza epidemic could have been minimized were they j.ormitted a rational amount of liquor without being compelled to sock a phy? sician's prescription and the purse gouging prices of the drug stores. "It is impossible to assert that in the Dock Department prohibition has re? sulted in fewer men nbsent, fewer ac? cidents or higher efficiency." The Store'?s closed at S P. M. daily MADHSON AVENUE-FIFTii AVENUE, NEW YORK Thirty--fourth Street Thirty-?fifth Street The Men's Hat Department oo the FIRST FLOOR has ready for the earliest demand the new assortments o? Men's Spriog Hats especially featuring flight* weight Derhy sty Ses and the greatly favored soft felt hats?the Satter Inn the new shades of Sight tan, seal brown aired green; plain and in the wanted mixtures. The prices (In stock)s B?ack Derby Mats . . . $8.00 & 10,00 Soft Felt Wats . . 6,00, 7,00, 8o00 to 22<,00 (War [Revenue tax additional} 1,200 D?ners GiveWadsworth Great Ovation Republican Leaders Told of Extravagance of the Dem oeratic Administration During and Since the War -?- j More than 1,200 men and women, in? cluding most of tho prominent Repub? lican leaders in tho state, attended tho dinner last night in honor of Senator James W. Wadsworth jr., at the Hotel Astor. Senator Wadsworth received an ovation, and fhe gathering stood an.1 cheered when Ogden L. Mills, who pre? sided, pledged their whole-hearted sup? port to him. War Cost Thirty-six Billions Senator Wadsworth devoted his ad? dress principally to a discussion of pro I hibition and its enforcement and'to the j cost of the war and taxation. He said we shall find that the war cost the ' nation at least $86,000,000,000, and per t haps as much as $40,000,000,000. He said that in 1916 there were about i 33,000 government employees in the Dia. ? trict of Columbia, while now there are I more than 100,000 on the, payrolls. In i 1916 in the District of Columbia and ? elsewhere there was a total of 400,00C government employees. To-day there approximately 0;>0,000. I he war ,:; over, we are at. peace, \ and still we pour out the people'f I money," he said. , The Senator advocated the, adoption i of a national budget system. The Senator discussed the phenom | ena surviving the war--the unrest, the groups of peopl? who want things pos sessed by the toil of others- and he I said that supporting most of the.-' movements was the philosophy ot ' force, which the nation supposed was , subordinated by tho result of the World War. "Only a few of those groups," h? said, "as they exist, in this countrj i advocate the use of physical force , With these we know hon- to deal, foi ! the American people is devoted to lav i and order. Some have been conten? plating and, indeed, have attempted t? . attain their ends by strangling the in ' dustrial activities of the nation, in th? belief that by such tactics they cat compel a harried and suffering peopb | to accept, for example, the nationalisa tion of the steel industry and the coa mines. Another group, inten: upoi bringing about government, own?rshi] of railways and placing themselve : in a position where they will do th' operating and fix their own compensa jfion' have, upon more than one occa sion, through their official spokesmen i announced that they would not h?sitai i to stop traffic upon every railroad i; the United States in order to gain thei ! ends. Railroad Return "Demanded" "Legislation is now pending in Wash j ington looking to the return of th railroads to their owners, to be ope [ rated by them under adequate, govern '? mental supervision and upon term 1 which will afford an income and a de j gree of credit adequate tor their in, j mediate needs and future improvemsn ' and expansion. The return of th j roads is demanded by the overwhelmin ! majority of the public. "Speaking of fair play and pub M I contentment, we aro confronted to-da | with two problems, the solution ? i which involves them both? involve I i hem to such an extent that if the s: | lution is not a wise one there will r? suit widespread discontent. One < them Is national prohibition. By a two-thirds vote In both houses the Coiw gresa passed and submitted to the legislatures of the states an amend? ment to tho Federal Constitution pro? viding that the manufacture, importa? tion, transportation and salo of intoxi? cating liquors ?hall bo prohibited .In the United States and its territorial pos8essions.> More than the necessary three-fourths of the legislatures rati? fied tho amendment, and it is now a part of the Constitution of tho United States. I voted against tho amendment in the Senate for three principal rea? sons: "First, because our Constitution is a framework of government which de? fines and limits the powers delegated to that government by the people. It ought not to be confused and encum? bered with matters which should be dealt with in statute law, in such a way that the changing opinion of the people may bo registered. "Secondly, and from the standpoint of practical legislation, I feared the inelasticity of such a decree, in that were it to result in failure, acknowl? edged by a majority of the people, that majority would be powerless to repeal or modify the decree in the face of tho opposition of one-fourth plus one of all the states?the very negation of democracy. And, thirdly, because upon a matter alTeeting so intimately the personal habits and predilections of millions of good people, I believe the people themselves should have an op? portunity to pass judgment. These ob? jections would have been largely over | come had the Eighteenth Amendment ' provided that the Congress shall be | clothed with power to prohibit or I regulate the liquor traffic from time to ; time by statute. Hard to Rescind "The ratification of the amendment I was accomplished during tho period of our participation in the war. Its zeal : ous, well organized and politically ! skillful advocate.! knew well what they I had in mind, but large numbers of peo '? pie were not so clear about it and were ' inclined to confuse it with the war measures. Still other?, somewhat un? familiar with the processes of amend? ing the Constitution, and, mindful only of the admitted evils of the saloon, gave it their support. And then, too, it may be remarked that the amendment was adopted during- the absence in the training camps or in France, of nearly 5,000,000 men. who were thus deprived very largely of all influence in the mat ter. "Hut the amendment is now a part of the Constitution and, lacking any decision of the courts to the contrary, is likely to remain there; for its elimi? nation can be accomplished only by an? other amendment, passed by two-thirds of both houses of Congrbss and rati? fied by thirty-six legislatures- -a very difficult thing to accomplish." Mr. Mills'? Tribute Mr. Mills, in his opening address. paid a h^fh tribute to Senator Wads worth and urged his reelection. He declared that men of courage, princi? ple and convictions, such as Senator Wadsworth possessed, should be kept in public office. Public servants should be judged on the quality of their entire record, he said, and not on their vote on a single measure, provided that vote Is in accordance with their conscience and conviction. This reference to Senator Wadsworth's stand against suffrage and prohibition was warmly applauded. "And now. my friends," said Mr. Mills, "in the candidacy of Senator Wadsworth for reelection there is a great principle at stake. 'To thine own self be true; thou canst not then be false I o any man,' is one of the eternal verities, and I would call the attention of those who are honestly, sincerely and from pure motives opposing Sen? ator Wadsworth to 1'iis issue, which transcends in importance their own particular individual issue." James R. Sheffield, Senator Lawrence Y. Shorn-an, of Illinois; Miss Mary ? Wood and Judge Nathan L. Miller wen1 An early response is suggested, as groups are limited? TAILORED AND FUR-TRIMMED SUITS Formerly to $275 at $95-$ 125-$ 145 Remaining Winter models?odd styles comprising one or two of a kind?mostly fur-trimmed effects. HANDSOME FUR-TRIMMED COATS Formerly to $695 at *195-$250 to $395 Rich effects ?i cloth and fur?the balance of our high cost Winter styles. STREET AND AFTERNOON GOWNS Formerly to $245 at $65 and $95 Of velvet, tricotine, satin, duvetyn and other fashion? able fabrics, designed on attractive lines. $395 Short Taupe Nutria Coats. $225 $550 Short Taupe Nutria Coat. $350 $425 Short Taupe Nutria Ccat. $250 $550 Short Taupe Nutria Coat. $395 (Beaver collar and cuffs) $850 Genuine Beaver Coat. $595 (30" length) $1250 Nutria & Hudson Seal Wrap_ $795 $850 Smart Nutria Wrap. $595 $850 Hudson Seal Wrap.$650 (Grey Squirrel trimming) $295 B?ack Russian Pony Coat. $195 (Hudson Seal collar and cuffs) $850 Hudson Seal Coat. $595 (Beaver collar and cuffs) $1250 Hudson Seal Cape Wrap. $750 $750 Hudson Seal Wraps. $575 (40" length) $1050 Rich Mole Coat. $695 Wilson Note EndsFiume Arguments Continued from pa?e 1 actcrized as "fragmentary and inac eurute," but it was noticeable that no pointblank denial was made of the points raised by the.correspondent. On tho other hand, it was officially said that dispatches printed in "La Naci?n" heretofore dealings with the Italiun point of view had very often been ^nost trustworthy. , .?',', No decision has yet been reached by this government on the question of participating in the peace conference soon to bt called in Paris to determine the future of Turkey. At the State De? partment jt was said this government had not decided pot to have representa? tion at the conference, nor had any de? cision been reached on naming a dele? gate with plenary powers to represent the United States. Rome Press Sees Wilson 66Swallowing His League" President Asked Why He Does [Sot Drop Secret Diplomacy and Publish Correspondence ROME, Feb. 20.-?Commenting on the situation which has arisen since Presi? dent Wilson sent hi8 note to the Su? preme Allied Council relative to the Adriatic question, the "Epoca" says: "Two different conceptions of civili? zation led Europe into the war, and tht moment that war is over the world is confronted with a conflict between two continents?Europe and America. Old Europe/, with all its defects, never un? til five years ago needed American ad-" vice in tho conduct of its affairs, while now, after victory has been achieved, every European action must be sub? mitted to President Wilson. Is it pos? sible that even American public opinion can countenance such an absurdity?" "Premier Nitti, the champion of ac? cord with America, must now become the supporter of the. Anglo-Franco Italian accord," says the "Corriere d'ltalia." ''Like Saturn, who swallows his children, President, Wilson is now swallowing his child, the league of na? tions. This, perhaps, is not a misfor? tune, as it may be reconstructed on a better basis." The "Messaggero" says: "Mr. Wil? son in reality is feting against him- I self, as his desire to impose without I discussion, through the threat of hun? ger, his obstinate will shows the im? possibility of a league of nations in which the will of the majority should have power to overcome attempts made by any isolated, overbearing rebel." The situation created by Mr. Wilson pleases "El Tempo," w*hich says the President's action "strengthens the union of the European Allies." The 'Pop?lo Romano" expresses its ''thanks to Mr. Wilson," saying: "For the third time he has saved Italy from accepting a solution of the Adriatic question. which was a renunciation of rights to which she was entitled." The "Messaggero" asks for the pub? lication of the text of Mr. Wilson's cor? respondence about the Adriatic ques? tion, expressing surprise that the "?' ' ; ???- " '=??" - .-.*.???.??:?..?,:??...? American Pr?sident "doesn't abolish ?ecret diplomacy." German Press Discusses "Revolt Against Wilson" BERLIN, Feb. 20.?Newspapers here are giving unusual prominence to die patches from the United States bearing oh the Wllson-Lanning episode and also the attitude of President Wilson on the Adriatic question. What little editorial comment there is attempts to establish the fact that there is an "in? surrection against Mr. Wilson at home and abroad." This is based wholly upon tho cabled information through Holland and Switzerland to the effeci that American newspapers are taking the part of Secretary Lansing. The "Tageblatt" declares that Mr. Lansing's case has been "converted into Mr. Wilson's case" and that whiie it is a purely internal affair of the United States, outsiders are "forced to make the somewhat depressing obser? vation that the anointed of one great nation, who was hajled as the herald of world democracy and liberty, is closing his career in open contradiction to the will of his people." Belief that Washington bulletins permit the conclusion that the Presi? dent's immediate official environment is emphatically disavowing him," is expressed by the "Vossische Zeitung." The "National Zeitung" claims to be ; informed that the Allied reversal of policy on the extradition issue was due primarily to pressure from tho United States. The newspaper says America "opposed arbitrary procedure on the ground that it was ca.culated to produce internal convulsions decidedly inimical to this nation's political and economic recovery." Bourgeois Predicts V. S. Soon Will Enter League ? LONDON, Feb. 20.?-In a message to the London League of Nations Union, Leon Bourgeois, of France, French rep ? resfentative on the. league of nations i council, says: "France is well pleased with the re? sult of the last four dry's work of tho league council. Thanks to the excel? lent documentary preparation and a de? sire for conciliation shown by all mem? bers of the council, votes on all ques? tions included in the program were ?unanimous, despite the fact that sev? eral delicate questions were under dis? cussion." Regarding thp decision to convoke a financial conference. M. Bourgeois says: "Wo decided to convoke this * ?n ?? ?nee although we appreciate all ' ' **? difficul? ties ot the undertaking. 1-erhaps daring a proposal may have a '.sani? tary effect on public opii * in in ' United States. The American peopl will see they cannot remain outside an organization which will be called upon to deal successively with great prob? lems. Their representatives will, we feel sure, soon corne to take the place which is always reserved for them m the league organization." ?~--?-. Lowden Fights H. C. of L. Governor Wears Shabby Over? coat "as Matter of Principle" CHICAGO, Feb. 20. -Governor Frank 0. Lowden of Illinois is wearing his old overcoat, as part of the campaign against high prices. Mrs. L. K. Bower, chairman of the women'.-* division of the Fair Price Committee of Illino'x Sure Relief ?SS2 6 BEUL-ANt Hot water Sure Relief DELL-ANS C9for indigestion EST|QN announced this to-day, telling the *?' lowing incident: "Governor and Mrs. Lowden wera !i the elevator of a Chicago hotel two weeks ago, when Mrs. Lowden told r. In that hi-i overcoat she knew was tare?! year* old. that it was becoming shabby and that he ought to buy a ri?w or? The Governor said he knew it, but tha* he intended to continue wearing ?ho o'j coat as a matter of principle. He said that, if every one who cou d woulj w,.ar ola clothes the demand would fall oil until prices came down.'' Unusual tab?es 45cXo5c ayord CPECIAL imported crctorrcs, English prints, rich uphol? stered velvets, linens, and carpet? ing- all odd and original or they wouldn't be at McKugiYs. Such low price s cannot be approached lat.r in the ysar when you suddenly real? ize that you netd new covering? and diapenes. It is wise- as well as a pleas? ure?to visit McHugh's while everything in the shop is subject to \0% to 33% February Reduction MCHUGH jos&ptfT. &S07& 9 Wcst^S1. Ti UFE ASSURANCE SOCIETY OF THE U. S. 120 BROADWAY, NEW YORK The year 1919 was the most productive in the Equitable's history. NEW INSURANCE issued and naid for in 1919, $45*1,839,437 An increase of ?181,615,878 over the previous year. During the year the Two Billion mark \ in Outstanding Insurance was passed. OUTSTANDING INSURANCE, Dec. 31, 1919, $2,270,903,931 An increase of $346..365,353 over the previous year. PAID TO POL?CYHOLDERS IN 1919. $73,990,176 97% of the domestic death claims paid in 1919 were settled within one day after receipt of proofs of death. PAID POL?CYHOLDERS Since Organization. .$1,302,291,677 ASSETS, December 31, 1919. $599,423,919 INSURANCE RESERVE.$493390,577 Other Liability. ? ? 17,418,765 510,809,342 SURPLUS RESERVES: For distribution to policyholders in 1920. ? ? 17,191,084 Awaiting apportionment on 'snCk noc deferred dividend policies. 54,o00,0o?> For Contingencies. . .. 17,123,408 $88,614,577 $5997423,919 The above figures are front the 60/'- Annual Statement .which will be sent to any address on request. V The Equitable issues all standard forms of life insurance and annuities, including the following: A LIFE INCOME POLICY under which the beneficiary receives a monthly income for life? the safest and the best kind of insurance for family protection. A GROUP POLICY i by which an employer protects the families of his employes. A CORPORATE POLICY to safeguard business interests. A CONVERTIBLE POLICY which can be modified from time to time to meet changing conditions. AN INCOME BOND to provide for the declining years of the purchaser. AN ENDOWMENT ANNUITY POLICY maturing at age 65, providing thereafter an income for life. AN EDUCATIONAL POLICY providing a fund for the college training of a son ox daughter. A CASH REFUND LIFE ANNUITY under which the total return may be more, but can never be less, than the purchase price. The following provisions will be added to the policy when desired: 1. In case of total and permanent disability: (a) Premiums will cease. (b) The Insured will receive a monthly income, (c) TYf beneficiary will receive full face of policy at maturity. 2. Double the face of the policy will be paid in ca*e of death from Accident. A non-cancellable Accident and Health policy completes the circle of Equitable protection. W. A. DAY President