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Every Church Should Be Made School
For Prospective Husbands and Wives By ROBERT FULTON CUTTING Each city church should be a social center. It should be the place to which any lonely. person, young or old, would naturally turn. No church should be contented with providing a center for its own imme diate flock. It should be the inspiration of all community life. The churches should unite not merely for religious revivals but for social service. I would like to see groups of churches getting together in plays and pageants, athletic tournaments or any clean, wholesome recreation. !They should be in the forefront in the fight for decent housing, the exten sion of playgrounds and municipal recreation centers. They should •blaze the way first by individual experiments, and wherever the experi ments are proved successful, they should induce their adoption by the city as a whole. But the church should do one thing more. It should be a school for prospective husbands and wives. It should teach definitely and practically the sacred responsibilities of marriage. It should prepare young women in the essentials of domestic science. It should educate young men in the sacredness of a pure marriage relation. In every church there exist matrons of sound common sense and long experience, who could give young women advice of inestimable value upon conduct in early married life. There are plenty of men in the church who «an cultivate in youth the respect for women so essential to domestic hap piness, and correct that assumption of-superiority by the male sex which sometimes requires more than patience from a wife. There are 1 far too many young people who undertake matrimony thoughtlessly, and chafe when the idle dreams are dispelled by the seriousness of the problems of domestic economy and parenthood. A little foreknowledge and prevision would go far to prevent many a wreck in married life, and the church might well address itself to supply these life preservers. State Regulations With No Approach to Uniformity Burden the Railroads By J. A. ADAMS of Chicago Sectional selfishness and shortsightedness have led to the passage of state laws giving preference to railroad traffic within circumscribed ateae at the expense and to the prejudice of neighboring states served by the railroads subjected to these enactments. Fifteen states, by prescribing * minimum daily movement for freight cars or by imposing heavy penal ties for delays, attempt to favor their own traffic. Some of these have fixed the minimum moving di&ance for a freight car at 50 miles a day, the average for the whole country being 26 miles. < In one state the penalty for delay is $10 an hour. Twenty states regulate hours of railway service, the variations running from ten to sixteen hours a day. Twenty-eight states specify headlight requirements without an approach to uniformity, and fourteen states have dissimilar safety-appliance acts. Compliance with these requirexfiiifts places a burden upon the rail roads, which is not borne alone by traffic from these discriminating states, but is imposed upon.the whole volume of traffic entering these states. State laws, moreover, are not merely suggestive. They are posi tively mandatory, and divest the carrier absolutely of discretion to develop new markets or to deal with trade equities. As a result the creative, aggressive individuality and experience of the railroads is throttled and subordinated to the caprice, arbitrary rule and inexperience of political regulators whose performance is mechanical, superficial and selfish. Future of United States As Industrial Nation Rests on Conservation of Coal Br W. L. SAUNDERS of New York The United States leads the world in industrial activities, and onr natural resources form the basis of this success, so it is natural that if we wish to maintain this enviable position in the industrial world it is essential that we conserve our natural resources. We are an industrial, not an agricultural nation. It is because we have advanced from the farm to the workshop that we have grown great and rich. The true measure of an industrial nation is its consumption of coal. The first result of partial mineral exhaustion will be increased prices. This, of course, will restrain industry. It will also restrain our ability to defend ourselves in war, for everyone knows that the supremacy of a »»«tinn in war today depends on its strength and capacity in oil, coal, iron and ether minerals. Plenty of soldiers, and even plenty of money are not sufficient to resist attack. In the matter of coal, competitive struggle of operators to maintain a plaoe and to keep out of bankruptcy obliged them to mine only the easy pl y#! in the seam, leaving the rest of the ground perhaps never to be utilized. Federal experts in the forest service have pointed ont that in the lumber industry practically the same conditions exist as in coal. United Stales Must Look Chiefly to South America (or Trade After War By JOHN BARRETT •cte* *f — BSgSBB i liatoi While the nations of Europe are prosecuting the greatest war of *y with an efficiency and determination almost beyond human eon- He at a the till I • tin they an at the same time preparing for the even greater indus war which they know will come at the conclusion of peace. They »pose to recoup their losses by regaining the trade that has been lost, to extend it into new and hitherto unexploited fields. They will the sasite thoroughness to their new task as they have to prose the war.** ** *«•* , ^Auiêrieans need not look to Europe as an outlet for. their products. Booth America 'Will he practically thé only field that is left open to us, and it behooves us te prepare ourselvei for the struggle now. Despite tbs handicaps of lade of a credit system and transportation, the United States before fiie war did $200,000,000 more business with Latin America than Jte next nearest competitor "....... ..... ed tidy ning a ings, dty. tin No the Guest $ By Augustus Goodrich Sherwin (Copyright, 1917, by W. a. Chapman.) "Mister, I'm hungry." Martin Brill had Just come out of the retail salesroom of a great baking es tablishment. He had a large, but light package under his arm : two pounds of crackers. He had a small parcel in his coat pocket: ten cents' worth of common, plebeian sausage. A man with his coat collar turned up and looking like the average per son out of work had hailed him. Neith er had Martin an overcoat. "Why, I'm hungry, too," he replied In his usual bright, happy way. "I don't live but a square from here. Maybe you're in want of a shelter, too, eh, mÿ friend?" "I am just that," answered the stran ger. "Come along, then, if you're not too dainty. I've just spent my last dime, but I've got enough coal for the little stove to last till Saturday night. My room rent is paid. You look sober and respectable. Come along, you're wel come." "You're a good man," said the stran ger with unction, and they walked on together, "You see," rattled on Martin, ns cheerily as If they were bound for some banquet, "I have to buy close. Twenty cents—well, I went to a butcher shop. I didn't order a pound of sausage, but ten cents' worth, and the butcher cut me ofT a fair foot of the roll. I bought broken cracker*, Just as fresh as those bnked with them, only a corner off here and there, O "Here's a Mystery—or Is It Mischief?" broken and disfigured, but crisp as all of is a the My and the at you, you, the you He came home at nightfall well satisfied broken and disfigured, but crisp as all can be. I can brew a cup of coffee. Here we are—does It suit you?" "But how about yourself tomorrow?" suggested the stranger. Oh, I'll manage to pick up the day's feed. There's snow to shovel, coal to carry In, wood to split. I'll manage. Tell you, friend, I've seen dark times the last month, but—never say die! Come In." Martin led his invited guest up a dark stairway and lit a lamp. The room was sparsely, but cleanly fur nished. There was a double bed with coarse but warm blankets, a table, chairs, a small stove, and In this a fire was soon going." "Light housekeeping !" observed Mar tin, with a ringing laugh. "Now then, set to." Martin ate like the hearty, healthy man he was. The other barely nibbled at a few fragments of the food. Mar tin observed this, but attributed it to a distaste for the coarse fare and said nothing. Then they sat chatting. "You're pretty poor, aren't yon?" observed Martin's guest, who called himself Lester. "No, I am the richest man in the world !" declared Martin, promptly and with vigor. 'Tve got a girl to think of—wife, some day, for she's true and patient and has faith in me. I left the old town with a little capital six months ago. I lost In my first invest ment. All right m keep straight on till Tve done what her father insists I must demonstrate ; good behavior al ways, strict attention to business. Fm rich in Elsa Warden's love. It's a glory that irradiates my life." Martin shared his bed with Lester that night The latter left him with • warm expression of gratitude. Mar tin started out to earn his dally bread. with the two dollars he hçd earned assisting a family to move. He treat ed himself to an oyster stew on this particular occasion. He started in to tidy up, to come across a small mem orandum book that had evidently fallen from the coat of his guest of the eve ning previous. Martin opened it «usually. He gave a puzzled start "Why, what's this?" he ejaculated in a surprised, way—"my name, my do ings, tab on me since I came to the dty. Here's a m ys t e r y o * to tt mi» chief?" .r A series of entries told of how Mar tin had come to the dty and bought 12 of es of in of "I out a small store. Later he had learned that It had been sold to him by a set of sharpers, acting as agents for a poor widow lady who never got the money. Honest, whole-hearted Martin promptly put the woman in possession of the store, pocketed his loss and without a grumble at fate went cheerfully on his way, doing the best he could. An item told of his dividing his lit tle stock with the poor and distressed, of his care for the weak and unfor tunate, of his pure, true life, a man among men in his moral and humane standards. The memoranda cited his trials and misfortunes. There were many details of instances where he had not dis dained the hardest labor to keep his head above water, and all the time never departing from the courage, en ergy and sterling moral principles of a man strictly devoted to his duty. There came a knock at the door Just as Martin had completed traversing the queer chronicle. "Come in," directed Martin, and Lester entered the room. He eyed Lester critically, and, in a way, un easily. "I lost something here last night," spoke Lester. "Yes, I have Just found it,'' replied Martin instantly, and with not much cordiality, for his suspicions had be come aroused. "Here it is." Lester looked embarassed as he took it. He drew out his watch and glanced at it. Martin was amazed. This pen- j sionev, this mendicant had displayed a fine gold timepiece scarcely comport ing with his alleged poverty. "Walt a minute," directed Martin. "I glanced over your memorandum book. Naturally I am rather curious as to its rather complete history of myself since I came to the city." "Yes," nodded Lester, and rather confusedly, Martin fancied, and his head inclined toward the hallway as though expecting somebody. "Why?" projected Martin bluntly. "Well, to tell yon the truth," spoke Lester after a slight pause, "I was hired to gather up the Information." "Then you confess to being a spy?" challenged Martin. "Don't pnt it that way to a person who has been interested, more than that, benefltted by contact with one of the best men he ever met, and that is yourself." "Who hired you, and wherefore?" pressed Martin with insistency. "I—you shall known in time. Ah, you shall know now !" added Lester in a tone of relief, and as the door again opened he stood aside to reveal a new coiner—the father of Elsa Warden. The old man was genial, eager, friendly. He advanced and grasped the hand of Martin with warmth. "Didn't expect me?" he cried. "Well, Elsa made me come and I was glad'to. My boy,-1 put you through a tough or deal to try you ont, didn't I? Weil, you've been true blue all through It and never flunked. It isn't making a fortune easy that spells success. It's the spirit of dauntlessuess that laughs at bad luck and brings out the real gold that is In a man. You're coming back home with me, Martin." "What for?" inquired Martin. "To become my son-in-law and to start In business, where Elsa wants you, and I, too. Fve been watching you, young man," with a meaning glance at Lester. "I'm not afraid of the future of a man like you. Don't you understand?" "I thank you," responded Martin in a voice almost unsteady with intense emotion. And realized that the path way he was to tread—and not alone— would be illumined with the full radi ance of perfect love. Flowers and Pictures. "Don't stand a vase of flowers In front of a picture ; let It make Its own picture," was the advice of an Interior decorator who counted a bowl of blos soms to be as decorative, against a wall, as would be a framed picture. "A vase of blooms or branches should be as t carefully 'composed,' and placed with as direct reference to its background, as Is the painting," she continued. "All too often a spray of flowers Is thrust into the wrong vase (to bring out Its beauty) and then stood up on a cabinet, a shelf, or the top of a piece of furniture, where Its outlines are entirely lost, by being shown against the broken lines of oth er objects. The Hues and colors of flowers and flowering branches are very beautiful, and they should be giv en a simple, neutral background, where their full value may be dis played. A jar of roses, exquisite when placed against the soft gray of a plain bit of wall, will lese all Its charm When stood on a table with a lamp of one color beside it, books of other col ors behind It, and curtains of still oth er shades in close proximity. "Treat each bowl of bloom as a pic ture, and frame It with a harmonizing set of neighbors, leaving Its back ground clear to show It off to the full est advantage."—Christian Science Monitor. Rum That Won. The subway crush was at least as bad as ever, if not a bit worse than OMtal, as two hnsky fellows stood dungling from straps. "Yon don't look any too well," said one. "Just what was that illness?" "Oh," sold the other, "he said it was smallpox, but that doesn't seem possi ble, inasmuch as I was in bed only 12 days. Anyway, I feel less like a cured man than Td like to. Today at the office I had all of the symptoms of my first attack." One by one the three men sitting within range of the voices got to their feet apd sauntered toward the vesti bule. The fibber and his friend sal down.—New York Herald. , set the a his lit of j a FARM LOAN ACT. I. The Co-Operative Banking System Established Under It. (By Frank R. Wilson, federal loan bu reau, Washington, D. C.) The federal farm loan act, adopted in June, 1916, and signed by President Woodrow Wilson shortly after, creates a comprehensive, co-operative banking system to lend money to farmers an<f prospective farmers for purposes of land purchase, farm development, and the refunding of indebtedness. The system consists of two main di visions; a money-assembling agency, through which the accumulation and savings of the country are gathered in and a money-lending agency, through which this money is distributed for agricultural uses. The farm loan act, in brief, pools the farm mortgages of the nation ; issues a collateral trust security against these pooled mortgages, and sells these se curities in the open market. The establishment of this co-opera tive banking system was made neces sary by reason of the fact that banks n most parts of the United States have not possessed the facilities to properly take care of farm loans be cause these loans required too long a time to run; because interest rates to farmers have been too high, rouging from 5 per cent per annum to 5 per cent per month; and because private money-lending agencies had not real ized the reflex advantages to them selves of a long time, amortized loan to the farmers. Machinery for Its Application. The machinery provided in the ap plication of the farm loan act has three main divisions: First—The federal farm loan board in Washington, D. C., composed of the secretary of the treasury, William G. McAdoo, chairman ex officio; George W. Norris, farm loan commissioner; Herbert Quiek, Capt. W. S. A. Smith and Charles E. Lobdell. Second—The 12 federal loan banks throughout the United States. Third—The national farm loan asso ciations, each composed of ten or more farmer-borrowers, which associations secure loans for their members from the federal land banks. The federal farm loan board is in charge of the entire system. Its first important duty was to divide the coun try into 12 bank districts and locate one federal land bank in each. This board also provides the banks with temporary governing boaifls during the process of growth. Later a system of co-operative self-gqvernmerit will be Inaugurated under which the associa tions of farmers will direct these big financial institutions, under the super vision of the federal farm loan board. Each of the 12 federal land banks starts business with a paid-np capital of $750,000, subscribed by the govern ment, If private investors do not sub scribe it within 30 days after the books are opened. These banks have the right to lend to national farm loan as sociations up to 20 time* the capital stock of the banks. The lending ca pacity of these banks is automatically increased by requiring the farm loan associations to reinvest in the capital stock of thé banks one-twentieth of the amount their members borrow. Thus the capital stock of the banks In creases in the same ratio as their loans. The banks acquire additlohnl money for lending by selling their own bonds to investors. Without Profit to Individuals. When a bank tends money and takes first mortgages on farms in exchange, It Issues bonds against these mortgages nnd sells the bonds to produce more money to lend. The bonds issued by one bank are secured by the assets of all the banks operating under this system, and the rate of interest on the bonds is adjust ed by supply and demand. The rate of Interest charged to members of farm loan associations for money which they borrow from the hunks, cannot exceed by more than 1 per cent the rate of interest paid on the bonds. This mar gin Is provided lo pay the cost of operating the banks. So, if the bonds sell at 4 per cent and the cost of operating is 1 per cent, the interest rate to the fanner-borrowers will be 5 per cent. If the cost Is held down to one-half of one per cent, the inter est rate to the farmer* would be 4% per cent. So, briefly, the members of the as sociations of farmers borrow from the banks ; the banks issue bonds against th* farm mortgages and borrow money from Investors ; the farmers Invest an amount equal to one-twentletb of the amount they borrow, in order to pro vide an increasing capital for the banks, and the whole process is done under governmental supervision without profit to any individual. and No Hindrance. "Pop, win yon answer me one busi ness question?" , " Alway * * ,ad to, my son. What Is It T "When a community goes dry can a firm there liquidate?" Lucky Mermaid. There goes a millionaire and his ür *t saw her in a div ing tank." "Well ! Well !" "Thanks to his money, she's been in the swim ever since." Art's Main Point. I always said Pusbkey was ■ Koh ttUn, of The,a ° k up a It is cruel to force nauseating, harsh physic into a sick child. Look back at your childhood day*. Remember the "dose" mother insisted on—castor oil, calomel, cathartiea. How you hated them, how you fought «gainst taking them. With our children it's different Mothers who cling to the old form ot physic simply don't realize what they do. The children's revolt is well-found ed. Their tender little "insides" ar* injured by them. If your child's stomach, liver and bowels need cleansing, give only deli cious "California Syrup of Figs." it* action is positive, but gentle. Million* of mothers keep this harmless "fruit laxative'' handy; they know children love to take it; that it never fails to clean the- liver and bowels and sweet en the stomach, and that a teaspoonful given today saves a sick child tomor row. Ask at the store for a 50-cent bottl* of "California Syrup of Figs," which has full directions for babies, children of all ages and for grown-ups plainly on each bottle. Adv. When Love Was Exhausted. They hud just become engaged. He had kissed her long and incessantly and when finally he stopped, the tears came into her eyes, and she said: "Oh. dearest, you have eeused to love me." No. I haven't," he replied. "I just stoppe«] to get my breath." COVETED BY ALL but possessed by few—a beautiful head of huir. If yours Is streaked with gray, or is harsh and stiff, you can re store it to its former beauty and lus ter by using "La Creole" Hair Dress ing. Price $1.00.—Adv. The Eternal Triangle. "Mother, I just hate that little Smith girl, and I am uot going to play with her any more." "Why, Mary, dear, what has that litie girl done to you?" Well, she hasn't done anything to me, but she gives Bobby Half of her apple every recess time before I get a chance to give him half of mine." ainsi» dote of Dr. Peery'a "Dead Shot" will settle the question. Ita action upon the Stomach and Bowela la beneficial In either caae. No second dosa or after pur KStlva necessary. Adr. The Older the Better. The elderly millionaire was "fessln* up" to one of his friends at the club. Would you consider it any barm to deceive her about my age?" "Perhaps not." "I'm sixty-two. How would it do to confess to fifty-two?" * I'think your chances with Gladys would be better if you claimed seven ty-five." ty-five." FALLINGHÜllEANS DANDRUFF IS ACTIVE \ _ Save Your Hair! Get a 25 Cent Bottl* of Danderine Right Now—Also Stops Itching Scalp. Thin, brittle, colorless and scraggy hair is mute evidence of a neglected scalp; of dandruff—that awful scurf. There is nothing so destructive to the hair as dandruff. It robs the hair of its luster, its strength and Its very life; eventually producing a feverish ness and itching of the scalp, which if not remedied causes the hair roots to shrink, loosen and die—then the hair falls out fast. A little Danderine tonight—now—any time—will surely save your hair. Get a 25 cent bottle of Knowl ton's Danderine from any store, and after the first application your hair will take on that life, luster and luxuriance which is so beautiful. It will beeoiita wavy and fluffy and have the appear- » ance of abundance; an incomparable! gloa* and softness, but what will \ please you most will be after just a few weeks' use, when you will actual ly see a lot of fine, downy hair—new l ia l r —growing all over the scalp. Adv. Finding Fault/ Caller—How pleased you must be to find that your new cook is a stayer. Hostess—My dear, don't mention it ! She's a stayer all right, but unfortu nately, she's not a cook.—Boston Tran script. Full of Sympathy. He—Is your sister's fiance rich? She—Oh, • no. Every time mother talks about the wedding father says "poor man !" i A new baby carriage, which in cludes receptacles for clothing, can he folded to resemble a suitcase. Constipation generally Indicate* disordered stomach. liver and bowela. Wright'* Indian Vegetable Pilla reatore* regularity without griping. Adv.__ Women are fond of telling their imag inary troubles, but not their real ones. Dr. Pierce's Pellets are best for liver, bowels and stomach. One little Feilet f r * laxative— three for a cathar tic.—Adr. A man gossip spends a lot of his time looking for another job.