lllllsllllyllRlllsllllllittl-ili ,0 .. lN usulllun Pucnul . Pursuits IN nu tumor

Land Surveyors’ Association Hears Gan- - adais Aerial Development is on Wid- er Basis Than in Any Other (lountry, In the World.‘ III‘? i ‘

_._.____ air services for the carriage of pas- sengers, mails and express, J. A- Wilsou. secretary, of the Royal All‘ Force pointed out. in Canada, avia- tion has been developed to provide rapid trztnsportalton in the wilder- ness and for fire patrol work. “It is not too much to say," Mr. "Wil- lnlon Land Surveyors here indny son declared, "that. the develop- by A. ‘M. Narraway, Chief Aerial ment of the north has been hasten- Survey Ellilllefll‘. ‘Department 01 ed a generation by the introduction we interior. and -.l. A. Wilson,‘ o: flymg Secretary oi the Royal Canadian‘ "IirCanada today development in Air Force. . the air is on a wider basis ‘than in

“Mr. Nsrraway pointed out that: any other country in the world.0ne the rapid strides made by Conrad-j hundred and seventy million acres inns in aerial photography had are under fire patrol daily from the placed them W m5 Iorefront last air. Aerial methods oi survey have year, her 5th year in nerial snr- been developeddn ‘Canada, which vsys by BB-tfllllliilllili; 8 new World's,‘ for speed and efficiency are im- record in mnDDlIIB from the air equalled. The geologist, mining 56,000 square miles of undeveloped, pfggpgctor m“; explore,- uw a1,- unaunveyed. and mostly- unexplon‘ craft as a normal method of trans- ed territory, yet a territory rich in, portatlon throughout the north natural -,vesources —a record in country

size. 8 ifidilfd ll! lli-lllty—~ all l1)’ “These services are on a self- methodB Qliliindted and developed‘ sustainihg ‘basis and in view of de- by Canadians, 'l‘his- record coupled. velopment in other countries Can- with therbrilliant achievements oilada cannot afford to neglect the the air meimndatotal absence of} field of air routes, but just asher nny facilities, represents ‘Canada's, railway , steamship, canal, tele- contrfbution toward the world's graph and radio services are sec- ndvance in aviation." - ond to ‘none in the world, so she

‘iNo longer need the maps 0f ‘UMP, must face the development of ex~ nda ‘be characterized" by enormous, press transport by air. No country blank spaces suggesting a wilder- offers greater scope for a centre of niess," declared Mr. Narraway/‘l practicable developments of aviat-

Aerinl. photography ‘reveals the ion, not only on the lines already mlnutest detail of these spaces well established in the Dgmjnlgn

and disclose thousands of benuti- but also in regular air Lrangporfa.

iul lakes and waterways, promise‘ tion services in which other coun- lng stands of timber, interesting tries today far excell-‘Canada. Airin- areas for mineral development and; tion in Canada has succeeded be- nlmost unlimited power resourcesficause it has served useful and

In practically every country impracticable ends. This should be the world except ‘Canada, the line. the endeavor in future and any de- of war development of commercial‘ velopment undertaken should a1. aviation was the establishment 0i‘ Ways maintain this end 111 vlaw,

‘ J ‘II

'3

Mean Saving of

1930.

(Canadian Press) LONDON, Feb. 25.-lt is not s“

- -i--_

QTTAWA, 0nt., Feb, z5,_Ae,-,,,1 welcomed President surveys hold the key to the devel? opment of ‘Canada's natural resour- ces and Canada itself is developing an air force of_ which it has every reason to he proud. These facts were brought out at a joint address

nt the annual convention of Dom-

Coolidge by extending the Washington

covered in 1921.

These are ve sels of 10,000

tons and undo ors, destroyers and etc|

structed. » l! the United States are not ratified by the Britain will undoubtedly continu

gramme adopted by Government in 1924, which extend until 1930. in these six years th nation will have spent £64,000,00 on ew vessels. The programm

It is understood that the Nav Estimates for 1927-28 been drafted. volume of new cottstructloil i hand, and of the fact that 18 mor vessels are to he laid down in th

ning requirements of the nuinerou

service.

‘10,000 and the other two of 8,00

l

Doing Business?

(Financial Post)

No problem ls receiving more at ,tentlpn to-day in the bflflklflg world than that of cutting coats, Iand this is Involving general an- ialyala of the business being handl- ied to determine what ‘brand whit ‘is not profitable. It is a question "of live interest to branch manag- nera, to head office officials, to shareholders, to customers and al- so to the public, for it ls generally ‘accepted that the necessity for re- ‘duclnq overhead costs and elimin- datinq unprofitable business repre- sents the economic force which {has been the chief factor in bring- ,lng about bank merqers- In this ‘article aeveml important phases of the situation are dealt with by A. ,8. Barker, manager of the Toron- ‘to Clearing house, who as a banker of long experience and recently as curator of ‘the Home B-ank, has had many opportunities to study this quesrlom-J- W. T.

i i l v

Terhaps n0 otlher class of busi- ness ‘in Canada is so reguiitrtzvl by legisla/tiou as aro ‘i-ho hanks. The rallies wt ullriclb. dihey may lend xnon ‘ my 8-5 weflll as iihie commissions they mlay oharrge for iibo (LOIIIQCHUH oi‘ out-of-towvi looms. are strictly lini- ited by ‘ilho iBunk Act. azlthongh for That Canada, rather than Bost on, breeds the finest Boston bull the some services other nzc-‘Hrlcn terriers In the world Is the opinion of Mrs McCormick Goodhart, oflflfl-n and 4'0 lmll>°9° ‘mllilll “Uriel London, Eng" who through W. E.G. Hudson. Hobden, qodson of Eng-charges. A bank ‘is a private (Bl- lnnd’; grand old man, the late Wm. Ewart Gladstone, has purchasedllsorratlon organized‘ to perform fl "Hllhbail Canuck." from Mr. Eiirl Brown, _1d9 fKenllval/ozth agzrltlutguggr- alrfillibgalzlervbie forrmgtlélhg-arfizsatvllgllll: heat rce ever an or a o on . ‘ twine - °'“°' f” $1300’ m’ h" p p tfhle chief object is. profit for the shareholders, otherwise there ‘wlaullld; be no incentive. and mcn woulid choose olihlem means 0i in- vesting ‘their fun-due. This is roc- ognllzed in every ‘line of business but banking. and for this banks have largeily themselves to lylsmc- They have advertised‘ ions and ferventilynihist ‘tihey are olrxunlzcil for service and ‘it is not stirr-rlslna tiherefore, if this peoplie ‘h-nve ‘taken them Mtenwlliiy- Competition has done ‘the "neat, and ‘now tile rates . essablliehed for banking service are frequently ‘below i.he a-ctuuti cost or that service. in everything outside of_ who Ilendiog of money- Tlm‘ bank's operations in ‘the rum‘ analysis consist in hnyins ‘, and filling 0f credit. it ‘buys at. h " ‘ and‘ seiils at retail. and the operation must yield adequate flllufit b0 fills bank if H. is to con- tinue 1n ‘lzllsilllwl. ‘Wihen the rmsr- I sin between ‘tho biiyhtg mid. sell-l‘ hm prices ‘Heeonzles ‘too nan-row. ijhc I , bank must do as no other business ‘ mien defiance‘ its rem. buy at lower prices. or cult. its expenses» A - bank. however, new easily mark up the pride of credit it

7

proposals of further disarmament 0,1,9,- B; naval,’ ratios to the classes of vessels not

which of course include light cruis-

submarines. l At present no ‘limit is placed by treaty on the number of these. classes of vessels that may be con-y

Dropooalsl powersq

with the naval construction pro-F the Labor,

‘calls for 18 new warships this, yearQtl

have now‘ In view of the largeqg

coming financial year, the estim- ates will probably be heavier than those for tho present financial whlch year, which amount to £58,100,000. and a lt is expected that the personnel limit

of the Navy which now stands at and smaller croft, nxwpt ma; 10,. 000 tons is tho limit of displace- Neverthaless.‘ the construc- so many cruisers and sub- in Grout Britain and other countries during the p sf. few yearn

103,125 officers and men, will b’ slightly expanded to meet the mon-

vessels that will soon be enteringqnflriueg During the new fiscal year it is proposed to begin work on three ,cruisers. one of which will be of

,tons, nine destroyers and six sub-

mflllllfl-‘i. retort-seeming u total cost

0f £9,650,000.

r-' Th

‘ t» . [INSIDE that England should liavej|,,c|,,3§,¥; L ,,',.°,',,,',',‘,',',",,,.,,°°'$g‘§{f"§:

'5 these vessels and

reach £l0,72.'<l,000. Sp r,.

l2 cruisers of 10,000't0ns 3 cruisers of 8,000 tons i |1i destroyers

12 submarines

4 gunbonts

e, 2 depot ships

‘new bass at Singapore. Bi slnalze in at least $341,000,000.

Ysels between 1928 and 1930.

elnpproximately $323,000,000. e

letter

G

meni. l! ‘ tion oi‘

expluin the anxiety o the Unite States to have the Treaty extende

0 suit.

‘AVERAGE Hi ANEIE ll NEEIJEI] l]- “lY illfil II ’ ‘lllll [IHEUEIEB NYElH

Some 0f the Things Re vealed When (Jo-st Ac- ? counting is Applied t0 BankingL-What’ l is to be Done to O ifset Higher (krst-‘s. of

Iurgcily 0n the size and extent 0t’ lrlllllllzl‘ of

lithe orgnnizzrtimi. the

lbi-aitoelirs, and mnrsi. he lllCl. in each ‘is yie-ld- du tile case of

louse \V‘ll0i‘llfi'i‘ the brantrll ‘int; a profit or not»

l l

‘bank. fFo this first ccwslt. ‘however. linust ibte nddcll ‘IIIIBVOXDDIT-F/B or up crating tlhc anadhiinelry necessary t0 httndile ‘nho fultrllt so obtained. Just ias in ‘hire ‘case 01 iihe merch- ant tilteue are various expenses to ‘be paid before the goods can. be put on the shelves ‘remiy for sale —-.fre‘l‘g\hlt. ‘duty. rent. etc-and nbeeo must ‘be added to the lnltiml cost of tho goods- Accounta which do not nay

The opera/tion. ofiselliliitg 3004B sllso involve-s expense, which re- duces ‘tilte price mceivicd fir-mm the buyer. ‘The bank allislo has exllilflflei‘ in oonniectlon with the selling of m; @0411, wlhldh‘ wre apportiouslvie lo ‘till-ill. and nonlrlng else. and as in dither forms or inlerclrandising tlb-n sldlllling end ‘of the ‘ballrlfs dlealiings lg ‘one mos-t expensive to operate- tihe most oxnes-ionced and ‘iris-heel evallalried offlciallls are ‘until as the lnlost elaborate records are requnr- ‘od. l‘t is d-nngeimue to ulttentpt to out. the selling expenses in an)’ l‘ine oi‘ business ‘Demure 0i i-lit possibiio loss of ‘efficiency, and there arc aibsn certain till-omen illr" ecilly connected with the actuoll buying wtlrlch cannot be reduced- There are other u ttemses. lIOWQ“ er, in‘ connecting with ‘lilw lll-IYWK of the credit, which, ttitrou-izih excessive competition, have ‘lrc- oome burdensome. The mun-liar? of credit ‘front the public J! ohroneh ‘tho ‘taking of donned-S- guvl-ngs and current, and owing T0 the me. ‘pension of the ‘branch system ‘tihlmuglhout ‘hhe country. Managers, in order tlo increusu fhleir volume of deposits» m‘ l” hoild- wihlat they ‘have. or necessity- mlorlllfled‘ lithe NfllW-lmi-s- govern- lflig lllhlo operation of ilhlesc n0- counts. until. ill Wall-Y cage“ m“ cost of han-zllind ti"! acwllm m" (tee-lie; this yield tfhey can. obtain from one funds so provided-

Reducing lolng accounts One A-tuierichn writes. silillklng

l Treat Catarrh I 1 In Your ‘Own Home I FNo need to sicken your stomach

wlt-h ,1 lot of medicine in order to get rid‘ of ‘Cold or Catlffli-

‘real ctfihnfioidnrowu GUARDIAN ,

lEXPENSIVE NEW llllliillllfi; ’ IF N0 llillR E BISARMAMENT

9001313 PPODOSflIS, If Effective, Might‘

_ _Much Money Appro-

priated For Building New bhipsit-o l

progress with iilis already building, will Including BlilDB Covered by the‘1927-2B estim- ‘ates, the following new vessels

have been provided» for since Mllivli. 1924. when t first post- wnr building progl mule was

{adopted by the Labor Government.

55,000 ton floating dock for the The total cost of this new ton-

_ Further, the Government's pro- 9 gramme provides for the construc- on of the following, additional ves-

Six twruisers, one aircraft carrier (lestroycrs. l2 submarines, and ll-threc auxiliary craft at a cost of

The new construction undertak- en since 1924 does not infringe the of the Washington Treaty. applies only _to capital ships ircroft cnrriersl anld plates no on the building ‘of cruisers

to all classes of nnvobtonnage, or otherwise Uncle Sam mustfollow . . yo,‘

KS‘

_ . ucttii<

l

d d

l

),->z3_2=> a a .

of his own section, that investiga- tinn showed ‘about/GO par cent. oi tho checking accounts were being carried at a ilolss. ‘llhey did not not lhastfly ‘but showed the reeulls of their callouillamions to the cus- tomers, and notified ‘those with eo- ‘tlve accounts and small balances that, in future, a service (ihiarrge would be made for all accounts where ‘the average balance carried was not s-uttuclent to‘ cover the cost of opelraalon- According to ‘hlia expen-ievnoe, tihe ‘onlly ones on withdraw hlneir ibdlrtnoes‘ and close their aooormiip on account of this charge were tihloee wibose accounts were of n40 valliue. His annliysis wasbesedonihiopecrioemooetol opermillon, and {bowed that ‘the av- erage w b! a. dine-citing account to the hank was 4 ‘1-2 cents new cheque. 0n ‘tibia ibeais an account ago-inst which. a customer issued ten ciblequee a unrmtih cost thze hank $5.20 peo- anolum. and» unless the customer maintained an aver- age balance eudliliciem tn yiefd a fund, from which bile bank could mlakle 10mm yielding ‘that revenue sliver expenses o! donning were provided for. the bank would lose mloiniey in carryinglthe account in its v

'0“! Accounting System: Oosthoeountting fou" banks no,

"Wt ‘theqsuveeurtdntaain the Unlined

l . - l’ Q ill ‘so . Them one not mnlority “new ' ‘ .; El‘ "m, "go time out? mutated, as Y“ “a” "w" lumen, m your of m): are alums office MIMI.“- p bedroom follows , ‘ l n. o.» cane tom it m comm- ‘own f‘ I m -mcepan lions. end tlhe prvwem of ca-lmlat- ‘ ‘ noon. not only n-om local but ‘Pntsninto We M‘ a m; dug pa -per mm ooet of operation ‘ l l " trom- ouwide ‘tendon. A .' r ‘on l“ "l" l‘ i” ‘l M“ °'°' “P; _ sewn-their si-moie in 00m~ l‘ in the mite of mtenibt wild mi 1M- “mp °" "°"°- Th“ ‘dd “ h“ 9" l‘ j "Lint that at averaging meta ‘ , _\ . ‘b »~ pom, wwud flmtflly flggult ind his ‘Wimm “t CAT E- m" in dildo. when mg ‘bank eon- . . g 1 . - Mauro,“ m m‘, ‘may, any]; the steam from tho pan flil the air ‘H’ u w, m ‘ and m“, “H” WWII» ll "filly? Jun about like the rat of yo. For ln- ‘funth, so shot the only remain-in‘; in the room ‘or ’ , with. of down. a great M‘! "ll!" "'0 In t child of the Duke and Ouohan of York ‘honoured is flo our down Ixpences. ihresthe in the medicated sinned o! which must 1a‘ MW" "it" I... wot-ho ot n» day, m mo sent oourlm‘ ma,‘ - m,“ guy be divided witch oowncuionry your-cold zoqn- so _ doc. not an at u» g- "ll "WWII the H‘ n to apprise m queen of the rut moo duel dunes-bur Act now, got one ' no to‘ in h“ approached f“ W" "HMO I'll-hm- ln-o more yo. with m» lyu- m‘, unending, and cum eapens- m. Complete was stool smell on. sen ‘flu-luvs was. “'7- .. ; . x __ __ p. , rm tile too/integers. - 91W- (lemme

Ural I ever Dies "

ton. has been going on for me“ ' ' time, wtith a, view to eotablisEEEng Beheves Amerlca’

an accurate as the most

From ‘the iainnble (line

aoooutnt

00 keep M118

cheque he therefore.

cuiation-

negotiating making the

hlifmuflhlilhie

I

‘I

Ftoo late.”

presenting the facts to the pubilic oe well as to their customers» ‘

this Canadllan Bonk of each cheque wilticlh ‘is issued against a current in its ‘bookie is 5 cent-s, and it is ‘sstllnmted lilhat. in order

hnntlfling 0f a deposit and chequ- ing ‘account. tihle customer keep an ‘average credit ‘balance of $1.31 during tihe year for eooh

wiho’ cheques during a year or eight cheques a monoli- ‘should maintain an average credit balance of $131. "llhls ‘has reflerenoe to deposit uc- oowmtd and the value of the bailan- ce as sludii. and ‘nine profit derived from commissions on out-of-town items, or ‘iihat flnovm‘ discount (ml learns does nsit enter

Many seem. ‘to think banks actuality unlike a profit in the process’ or!

long after on runolywie of u

zed _

r‘

“See Me Latcker-J’

‘PERHAPS the invitation is sincere . perhaps you really intend to go into the matter of Life Insurance protection at some

later date. n. Whatever your reasons . . . and you alone

can judge them . . . when you turn the Life‘

Insurance representative away from your home, you turn away opportunity . . . you turn away the protection which your wife and children will some day need.

The "later” of which

you speak may prove a ,l

The next visit of the Life Insurance repre- sentative may find your healtlh impaired, and

the protection you seek unavailable. It may even find your home stricken . . .7]Qur wife a

“widow your childreinl fatlierless andflun-

protected.

Life Insurance is literally a matter of “life and death.” It cannot‘ be lightly regarded it cannot, with safety, be postponed.

plish it. basis of oost per item masonagle method of

Offers More Car- ‘

‘best information ob-'

“m” “Wmge 995E l“ young men must choose

greatness for themselves their dc0ds—thcy cun be

or for some-I

believes Viscount wood, prominent. man.

America offers greater

(‘coll of Chel-ot‘ lift‘. bank .i‘rorm lloss in tho Emfllsp,

your yunrd as must

young man, be adds. hnpllvii “We have solved tho problem oiflllfllilillfi liberty as well us you." Lorrhmusi Robert. Cecil, us he is boiler known thintZH-" in Geneva. told the Associate‘!-

issues. A customer.

‘issues, say, 100

ter tllun we huvo."

More Equality in ll. 8. OI

"110 ‘llllif 413W The Viscount, engaged with tith-"lll Whliill

“i956 3P9 flllli-‘l-‘litlle fillers here in the intricntries of rc-fifwilil- the bank quite apart ‘from the ' oring of tihelqiues and the taking df deposits, and tlhe charges there- on are for ‘the

Wllhlmodeling and interpreting .thc'

lsnn of n ziistinlzuishcd father, Lord l0"! 01' HD0118 rvlce rendered in tth itelnns. or

l" lominent in l-lnlziish pnrlinmonturylilllilnil- loans. '

llifo since the (lays of Queen ltllizn? lbclll. ' ‘land nnrl can afford in wnii, pructl- llhilll "l"! Ecslly nil (‘tumors uro open to you." ‘he said. "If you uro poor, it is a _ l-llB iirllllfl ldifferoni. story; of course. i Omu- m"! lll-Ilk 11M [don't think we have solved in Eng- llftlid the question of ‘open careers‘

stories.

"H

1,. ' .

lheierlninatinn.

Press corrcspinulcttt, "but you have ROIIYCB Hie Blilli-"i. solved the problem of equality boi- llflliiiivli. Lord Crwll sum, “but U10 grout fuctor in ill" . British Iinuhe has l)1.1~ll the desire Englishmen work-to see thn‘ tlio actual fob they are engaged-lud-

lance fieroice

lspecial thing, he will finally Mumf-

l Gan Either "Be 0r Do"

eers F0!’ Poor‘ "Broadly speaking, there are two _.___ lobjccts oi desire: (lEN-EVA, Feb. 26.» Ambitious thing; to do something. betweetruuint to he something, for example a rich man, or president of the Pulled States. ul‘ Judge ol the Ill- thing or do something but not. butll, Drvlii" l-‘Ollft. W011. iluifs one i011! But if you want l0 i0 states soulcthinu". then you nzust be 0h fur oppor-Engziinst caring wlint you at tunities than England to the ponl-‘musl not: bother about what will o you. to be thin,r-, tbenyml abandon hope

ionnvliy and ra-

in

"I have-no doubt that our greet iLcaguo of Nations cnvotlnnt, is thcilfivfi 0! KBYHBB Bllil B klllil °I duh!“

in lSalihbury, and his family has noonsreniiy fostered this qufllltY-"W

Likes Detective Tales

Turnover not profit. l "l; you llrn a well-to-(ln in Eng-l The Viscount, when he is l0! initiating world armament plflll and assisting in projects to olltltV war. frequently reads