fiflfltrneri-s, mama».-
o s: w T t8 ff 17C tr ir B s1: p: co to
"
shes for OHot Cocoa Drink
O Children's Drink O Cakes and Puddings O Iced Cocoa Drink
O Cake Icing A O Chocolate Fudge
O Chocolate Sauce
Ma a Iicola Layer Cake
withFudge Frosting . . . using FRY'$
The rich, smooth chocolaty flavour of Fry's Breakfast Cocoa gives you the finest chocolate cake, the most tlelectzilile fudge frosting you ever tasted. Your guests
will delight in this wonderful chocolate calle and frosting ’
COIDbiIIZltlOH-fllfld yoifll he happy, too. in listening to their praise o liyour halcing. Follow these recipes carefully.
Fry's Chocolate Layer Calie
1,; cup butler. Z eizils whole. I cup brown sugar.
1Q cup milk. i cup flout. A little "n. Z teaspoons hskiiig powder.
cup l-rya on“... 1 teaspoon vanilla. Silt and measure the flour, baking powder, anll and Fry's Cocoa to»
gelher. Cream shortening unlil amrmtL, Add tho sugar lira
dually, hailing: ll iiniil
1, mill i-ninl .i. -\l .. is lllllll nml ilufly‘. Add zlry ingr-rllciils nnrl milk ril- tomnlely 1o the abuvr: h-iller. [Bi-ml
vw-ll hvtwz-en rlieh addition until iiiixlurc is snioo .
Bake in two tins in a modex-ale oven nbflut 20 minutes, alto o! tins about 9 inches across.
Fry's Fudge Frosting
Pillnhlcspoonfnlw holler. . l»; Cup siwefll. milk. l/J cup Fry‘: Cocoa. pinch of sllL ll»; r-iirs sugar. l lca-pooiilul vanilla. Plaza hiillcr. milk, aupnr, Fry's ' iil salt in saucepan. Mil . cl linil iizilil the: mixlurc
minutes. from firo. mid vanillnand l,»..i. lllllll PHXUIH! tlnc cu: uni-Jilciiiy- in sprel .
l{i'"i~'i\ .
Other Fry Pioducts—Fry's Premium Chocolate (unsweetened) * and Fry's Chocolate Syrup
Sea! ‘or he Recipe Bocli 1n 1.5. Fry
Piwinnrrrarl ri.\T POISONS
It is an oflrilw- llllllPl‘ the Crim- hml Code to inlpul", use, or llriilo iii line's possrslon in Ca . ii any cul- tare of bncferln for ‘Clo (l/‘F-llfillfllfill of rats. This". on ziccolint of the dangerous ilnlllro. of 5lll‘ll culture, the prcsonl, ll‘l".‘./fl in post control being to (l'.“-(‘ll);l }ll'."lllll‘1l'l()l)S which are poison lo tho post nllcl hnrliilcss to other nllinnilr: zilul plants. lljxre- thrum and zlrrz -pr.i\-.; llllll pow- ders which on: Jill‘ lils lo wile- brates have been c-ro "d for herp- lng down nirlnj; insect, ]l!':'l5 infest- lng buildings, while Sillllll ]Jl‘E‘[J1ll'f\.-. tfons are employ-ml to control ro-
dents. Tllffi" l fl l.»,lll‘l‘l(llll<‘.'$ nrn quite cflli inn‘. .r rllrpitsc and are said to l)l .. iu poultry and live still-k. All 111m- riifitlpff; 5T9 Col/FTP“ l‘? ill" /\€!l‘lClllllll‘.'ll Pests‘ Conlrol m1 vnyl. n, flflnnn- lstcrcd by llll‘ l‘ liriiii-n n; |i..~ Dominion Up". ~11 .1 Avmcni- ture.
Christie's Arrowroots
A Sons (Canada) Lluiltod, Montrnl, Ow. 3Z1
EASTERN GUARDIAN
.."l‘hla column Iii rmu-rrcd for flfl“! of l-ii-nl lull-nu but adrarflalug or :\ HPHK)‘ iiiitiii-oaiiiiy ho inserted at 2 Trill! n iiiml m-li-liy pllynblg ||| fulullli-r.
HRSTBSFRIPTIONS to rim Lliurloltcitowzi Guardian may bc handed lo their Rep. Archie Hume, or lill‘. at ll. J. Nlzlbens Drug Store, llrlOlltJgllC. ' 13-13.“;
--'l‘ll'iCli(l.; are sorry to leam of lllC svriolr; llinqg; of J_ w_ Mup (look, _\iIf\!llE\§llB.—-~H.
Mother.
110i lll‘i' ‘Willic. rlllllhl
you n ftor
hare been promising to
-‘l'll Afr. nolllzlliy. "prnlnlsril to obry ilzid.
You once
Long years ago, hcforc the age of Sl(_\'§Cl’-‘lpCfS illltl department . stores . . . your forebears used to l)ll)' Christie's Arrowroots in the little shop around the corner. . . rind today . . . at teas . . . suppers . . . in the nursery . . . cvciyivhcrc . . . you still {ind (,lii"islic’s Arrowroots. They JfC still so pure and l ourishiiig . . . so very nice.
‘pennitted legislation, namely, mot- i ters relating to trade and commerce
and Pride‘: County
-'Ih1s oolaraa ls rooorvol for noun s: local latsrsst but alilnttfofag of a norray nature rnay b0 llllorooil a! I canto a Iord airfoil! Dlilill h Oll- rauco-
-IOPI, twfao, nob, tar and all mm; supplies, cold at Bnoob. MI-c-lc-Il.
—IIOW MANY eels do we ship? Develop the, nsblng industry at your door, and buy supplies at Bruce's. 8428-8-16-21.
'-BUYING sliver fox pelts, good cash prlcas being paid at the office of B. Graham Rogerl, at Summer-side. 811-3-9-91
—KINSI‘NGTON Dairying Assoc- iation will receive tenders up m March 25th for balding cream, on routes for season 1833. 8389-3-14-31.
—CLOSINC 0F FORT! HOURS —The High Mass of Reposition, which was celebrated 1n St. Paul's
I Church, Summersldc, on Wednes-
day morning, brought to s. close the Forty Hours devotions, which commenced on Monday. Rev. F. X. Gallant, parish priest of Egmont Bay, was the celebrant on Wednes- day and also on Tuesday at High Mass. Rev. Theodore Gallant o!- flclated at the organ. The services were very largely attended and the whole parish received Communion during the Forty Hours-S.
v-SEVEBE INJURIES-Mr. Rob- ert Fraser, of Summerslda, who 1s a. cripple, was run into by an auto on Tuesday evening as he ‘:2; be- ing driven home from his rk by his largo Newfoundland dog. Mr. Fraser was out severely about the arm and had other injuries which ivlll confine him to the house for at least a week. Mr. Fraser, for the last two years, has been drawn on a large hand-sleigh by his faithful dog to and from work and has nev- er had an accident before. The ac- cldent occurred by the railway cros- slng east. His many friends hope to see Bobble about again 1n tbs near future attending to his shoe repairing business-S.
-—SUMMERSIDE RACING-One of the best racing programs that horsemen will have the opportunity to wltnessflwlll be staged on Sum- merslde harbour next Saturday, weather conditions being favourable. The Summerslde Driving Club are Pulling up a large sum of money for a. ifree-for-all raoo between Lucky Lindy. noted race horse, owned by Wellington McNeil] of Charlottetown; Major,S., who has been beating ollcomers on the ice this winter: Parker Boy, who w”, only beaten once last season on the C183’; Yorkola, owned by m; pa- laney, of Wellington, who won prim- W811? every race he started ln last Sell-SOIL bfiflilhl; his second by sev- eral seconds. Each one of these horses have already entered, and will be ready to start, ice conditions nermltllnz. John Whitehead, of Charlottetown, will hold the reins °1 Parke!‘ ‘BOY and claims he can win-S.
--Mr. Wilfred Maynard, ofNox-tli. am was s. visitor to Summerslde on Tuesday-s.
-—Mrs. P. S. J-Iowatt, of Borden, was a visitor to Summerslde on Tues- dflv making preparations mi- the opening of the lobster season-S.
g HOUSE
(UOIIUIIW-d from Page l)
"Attorney-General for Canada vs. Attorneys-General for Alberta and British Columbia."
Effect of Decision
The general eflect of that decision was that the Dominion Parliament had no right to control by its 1e.- ialatlon the business of insurance, nor to prevent companies, wherever incorporated, from carrying on business within the provinces. Il. was decided that the control of the business of insurance was a matter which came within the jurisdiction of the Provincial legislatures, under the section of the British North America Act which authorized the Provinces to legislate upon the aub- ject "Property and Clvll Rights ln the Province." The Privy Council, however, 1n the case referred to de- clared that 1t would be within the power of the I-arllament of Canada, by properly framed legislation, to impose d restriction requiring o foreign company to take out s. ll- censo from the Dominion Minister as such I- power was given to the Dominion Parliament under its right to legislate for the regulation of trade and commerce and regarding aliens.
As the result of the dictum of the Privy Council just referred lo, the Dominion Parliament amended fls Insurance Act and endeavoured to frame their lsgfslntlon in such a way as to be included within the
and to aliens. Tbs Dominion leg1s-;
lltloa as amended came be- foro the Privy Council 1n the year 1924. '
1.11s Ontario Aol
m the year In; tho Legislature
of Ontario had passed whatwas csllsd the Reciprocal Insurance Act, which authorized t-bo making of reciprocal contracts o! luau-sacs on obtaining licences 1n Ontario. The amended Dominion legislation had made 1t a criminal offence for any u Company to transact such business without a Dominion licence. The Privy Council hold that the Ontario Act was valid. They also declared that the Domin- ion Parliament, although 1t had the undoubted right to legislate upon matters relating to tho criminal law, yet had no right under that gul-ss to interfere with tbs right of the Insurance Companies to carry on their business. To meet the effect of this last mentioned decision the Dominion Parliament again amended its leg- islation. 'I'hey repealed the sections which hizd been declared ultra vlres by the Privy Council, but substan- tially re-cnacted them with a pro- vlso that Reciprocal Insurance Com- panies were not to be affected. The Dominion Parliament also passed another statute called “A Special War Revenue Act," under which, in the gulsa‘ of legislation imposing Dominion taxation, they 1n reality attempted to restrict the carrying on of the business of Insurance Companies.
Privy Council Decision
This amended legislation came; before the Privy Council for their‘ consideration 1n the month of Oc- tober 1931. In its decision reported in English Law Reports (1932), Ap- peal Cases, p. 41, the Privy Council ' declared that; neither under the guise of legislation regarding trade and commerce, nor regarding im- migration, nor aliens, nor taxation. nor the criminal law, over all of, which it had legislative authority,‘ had the Dominion Parliament the right to intermeddle with the con- duct of insurance business, which, by the Privy Council's decision of 1916, had been declared to be a sub- ject exclusively within‘ provincial authority. l This latest Dominion legislation has likewise been declared ultra vlrcs, and every attempt to impose restrictions upon the business of Insurance Companies by requiring them to take out a. Federal licence has so far turned out to be an 1n- valld exercise of the power of legis- lotion.
This legislation of the Parliament of Canada, although it has proved to have been unconstitutional has been, however, of very great benefit to all persons who transact business with Insurance Companies. The business of insurance 1s of com- paratively rnodern growth. It 1s not necessary to refer to the tremendous mores-so 1n the amount of insurance which ls being transacted 1n these modem days, nor to enumerate the great variety of subjects which are covered by insurance. Every class of persons and almost every 1ndlv- irlual is riow concerned or affected by insurance 1n at least. some of its branches. The necessity, therefore, of protecting the public from the possibility of being exploited by In- surance Companles which might make default in payment of losses 1n the risks they assume, is mani- fest. The fact that when ‘losses take place, such as the dropping of a. life, the happening of a. flre or any other casualty insured against, the amount of the loss when liabil- ity 1s not disputed, is invariably paid by the Insurance Company con- cerned, ls due entirely to the fact that the Dominion Government un- der its legislation now declared in- valid, has guarded the public by requiring that Insurance Companies deposit with the Federal Depart- ment sufficient funds to meet any losses they may insure against.
Safeguard to Public
l
It this oversight of Imllmnw Companies should be removed, and 1f Companies were to be allowed to write policies of insurance without any legislation imposing a gilarantce of their financial stability and en- suring that losses would be met when they occur, the possibility of exploitation of the public is mani- fest. Should the Dominion Govern-
ln These Trying Times Maintain Your Health
lath. l. 1illl
i"s
SCO EMULSION
ot Norwegian
Cori Liver Oil
ment, as a result of this series of decisions adverse to its legislation. withdraw from the field entirely and. leave insurance Companies to operate without such guarantee of solvency, the need of provincial leg- islation to protect the public is urg- ent and imperative.
It is not necessary that; reference should be made 1n detail to the re- quirements which lire to be found 1n Dominion legislation regarding the fumlshing by Insurance Com- panies of financial statements, the inspection and auditing of books, the deposit of securities rind other ex- actlons which have heretofore 11m- lted the business of insurance to companies of unquestioned financial strength. _ .
The necessity for n. complete ex- amination of the standing of In- surance Companies nnd the carry- ing out of other details which have to do with their licensing by the Dominion Government, has involv- ed the establishment and mainten- ance of an Insurance Department. which has attained very extensive proportions in order to none with the growing insurance fxtfncss of the country.
Uniform Legislation
Following the Privy Council's dc- clslon in 1916 declaring against the validity of Fbderul licensing legis- lation, Ontario enacted a general Insurance Act 1n 1924. Slnco tlicn legislation substantially uniform with that of Ontario has been cn- acted by the Provinces of British Columbia, Alberta, ‘hskatclicwan and Manitoba, tho latest Act being that of Manitoba enacted in 1932.
Al: the recent Conference between Provincial Premiers and the 11o- mlnlon Government held at Ottawa, one of the subjects discussed was insurance. Reference was mode to
llililli lihwnlsiicv? l» . 'lDlf{£§t
the decisions of the Privy Council, all of which were adverse to the val-
ddlty of Dominion lcglslntlon, and
m; Atqhmbll} woo mado um 1i’
1 .
might be necessary and was not 1m- probable that the Dominion Gov- crnmcnt would withdraw ‘entirely from the oversight, control and l1- censlng of Insurance Companies, and that 1f that should take place it would be mcumbcnt ‘upon the i Provinces to provide their own leg- islation to meet the requirements of that situation.
Provincial Legislation
In Prince Edward Island, legisla- tion on the subject of insurance, except for the one subject of life in- surance, has been rather meagre. In the year 1924 a Life Insurance Act was passed. That statute is a copy of the Uniform Life Insurance Act prepared and recommended by the Caniidlnn Bur Association. ‘Phat Act has been adopted in all of the Provinces of Canada, except poss- ibly Quebec. Another statute which had also been recommended by the Canadian Bar Association/was the Fire Insurance Policy Act. That Act provided uniform statutory con- ditions for fire insurance policies. This Uniform Fire Insurance Act has been adopted in six of the mac provinces of Canada. In our own Province no Act has ever been pas- sed dealing with the conditions of fire insurance policies. Various oth- er statutes dealing with insurance, such as automobile insurance, live stock insurance, hall insurance, weather insurance, accident and sickness and other branches of 1n- surancc, as well as with the business of mutual insurance companies and fraternal and mutual benefit socie- ltlcs, have been enacted in the other lProvliices of Canada from time t0 time, bill. none in Prince Edward Island. Most of the Provlnceahavo now consolidated their various Acts into one general Insurance Act, the provisions of which are substanti- ally uiilrorni throughout the Pm- vlnccs of Canada. The draft bill now submitted to the Legislature is bas- ed upon these statute; and 1| largo-
I
- ainazingiline of i Z-Trouser Suits
l$IS-°“ l
Hero 1s a value such before.
36 to 42.
Two trouser suits made up of '1 good closely woven fabrics, good linings, well cut and well made.
$15-00
as you have not seen l” l
All sizes from
o
collars, French cuff.
Sale of SHIRTS $1.35 ;
Beautiful woven fabrlc-—not printed, very smartly made, two preféctly fitting stiff
TIES
Noweist Diagonal Stripes 50c
Wild ones. Quiet ones and lots in be-
tween. STOCK UP.
Pleasing Patterns. Choice colors. Sizes 10 to 111/2.
SOX Famous Monarch‘ Make ' ‘
35¢
l HAT
wear them down.
We've Many Types of llat but see this wonder
All the new colors——-raw edge brim, per- fectly proportioned—wear them up—-or
$3.
Extra ll! *
There’s a.' sale of Samples 0R BATH TOWELS at the head of the main stair-
Way-—WONDERS l
ly modelled upon the latest Act, namely that of Manitoba, passed in 1982.
Jescrlptlon of Act
The Act as drawn, consists of 15 Parts. The first three Parts are general.
The Act contemplates the ap- pointment of a Superintendent to act under the instructions of a member of the Elxacutlve Council charged with its administration.
Cllmllauieswire required to obtain a license from the Superintendent before carrying 0a business.
Before obtaining a license the Company must satisfy the Superin- tendent regarding the amounts of the Company's authorized, sub- scribed and paid up capital. It must filo with him a copy of its Act or charter, its regulations, bal- ance sheet and other information regardfng its affairs and financial position. It must also deposit with the Provincial ‘II-ensure: approved securities la certain sums according to the nature of its business.
Provision ls made for reciprocity between provinces, so “ at Compan- fer may make s. sufficient deposit 1n one province to cover its trans- actions in another or‘ other Pro- vfncsl, and for tho transfer oftboso securities, or part of these securities to the province effected, whenever necessary. Provision 1s also made
t
l,ll2l)(i)(.1l\
B L l) o l) i Bil l ijilzs
.‘ hragslslrmnlfifi
laminar-sawmill“;
that the Superintendent may ac- cept as sufficient the fact that the Company is licensed by any Gov- ernment 1n Canada.
I
Dellflllt 0| Securities
'I'he provisions requiring the deg posit of securities do not apply mutual insurance companies, fril- temal societies, mutual benclll societies, Lloyd's Underwriters, noi to companies which have made de- posits with the Dominion Govern mont under Dominion statute.
Parts 4 to l2, fncluslva, deal with special forms of insurance, such as fire insurance, life insurance, M- cldent and sickness insurance, aiiw- moblle insurance, live stock lilsur- once, weather insurance, fraternal societies and mutual benefit soclr ties, and mutual insurance comp“ lea. The remaining Parts of the M» deal with inter-insurance, re-insur- anoe, and with the control and Oll- eratlon of agents, brokerr and 11d‘ justers. Uniform statutory condi- tions where adopted by other Pro- vinces have been included in the Act.
The Act is not to come into 501'" immediately but. upon a data to b6 fixed by proclamation of the Lieu- tenant Governor-in-Councll. 1111-1 will afford opportunity to Inllllflm‘ l Companies to bscomo acqllfllmail with the Act and to know what l8 to be done to moot it! requ1r@m°““'_
I-‘or I-‘lvo Yours
Mrs, Andrew Volk, Blflhm Alto, rrriteu-WI was "f! m?‘ bothered, for firs yearn. f" eczema on my buds and WW3‘
I tried all kinds of ointment" Ill but th did not lwlg l?“
A ricndtodmoa ut lllhd Blood Bitten, and W‘ 11th taken two bottles I found w‘ rescind couplets relief fro! trouble." -