FEBRUARY- 5. 1951 A. THE GUARDIAN. CHARLOTTETOWN Tdutual Life of Canada Insurance in 'Force. Increases Still)-1000.000 in Total Insurance In Force la Sl,l88,000,000 SALES OF NEW INSURAN E BIG 0 IN COMPANY'S HISTORY surplus Distributed to Policyholders Exceeds 35,000,000 president and General Manager Report on Progress of Company and Matters of National lntorost - ' Waterloo. 0nt.. Feb. 1, 1951. "in spite of difficulties and dangers Canadians should and can. race the future with hope and courage, and also with confidence that (1-(edom, justice and right will prevail," said Mr. Louis L. Lang, Pre- sident of The Mutual Life of Cangda. when addressing the 81st meet- mg of policyholders of the Company today. when considering our lives iilld times we should remember that our lives are much easier than zhose of our Canadian forebears. he stated. Our ancestors pioneered ill the midst of other wars, depressions. periods (1 expansion and ups and downs of human existence. but they persisted and won, and we mu:-: follow their example and carry forward to an extent they did iihich we are benefitting. picscnl. dangers, and for The General! Manager, lation. Pequegnat follow: Lonia L. Lang. - President CONDENSATION OF - ADDRESS BY MR. LANG 'Ilha year 1950 in North America appeared to be one of prosperity and economic health: but it was an anxious year. The early months witnessed some slackening of the business activity of the preceding four years; but this proved to be temporary. and late in the year. estimates by the Devpagtment of Trade and Commerce ' cast the likelihood of the highest level of privato and public investrnent in - our history. The stimulus to ac- iivity thus engendered was en- lianced by political uncertainties in Europe leadipg to the invest- ment in Canada of capital for the dstatblishment of new industries. We must not, however. judge Prosperity entirely by activity, because defence expenditures add little to the total wealth of the country and build up no real re-' sources. Need For Alertness and Preplrstion if. five years .ago. Russia had iolnod other nations in choosing Deiwe. the world would be far advanced on the road to happi- standards of living. Instead. Rus- sia embarked on obstruction and aggression. Consequently. the in- ternational situation has grown steadily worse. We must. contin-.io to arm and to prepare for What- GVEI may hqapen. even the worst. There can be no sparing of effort. No country can exist in the futile 11090 of isolation and expect to 030390 the universal calamity which would follow the defeat of the free nations. Increased Immigration Dednble it is necessary and prudent to WW9! our resources in order to make the but possible use of mill. 'II'io greatest. asset. of course. is the people. Oanadla can feel that they are the equal 01 In! other U is in character. courage, ability and skill; prov- ” B! the experience of two wcrld Will. our population since 1010 has doubled to is million. but it is not lujoionougb. we need moro minions of now Canadians who W"! gazed oitiscm. who will find Ind . tain homes in Oamds. inaoooo the production and con- Wmlltion of the country. defend their new land. and help to main-' llln and Inprovo its economy. Canada is far ahead of most emails: in extent and variety 0! Pflniuy products and natural nlourcsl. our industrial product- ion in Juno and temper of lot: levels. is now nearly double the pro- , 1039. 1b a considerable - 'r.v.'- Mu. security. recovery and better.- not dream of, the hopes and plans which they entertained and from Mr. Lang called for alertness on the part of the whole nation to co-operation with the Government in its ptnns for assuring the security of the country. He stressed particular- iy the need of an awareness on the part of both government and peo- ple of the dangers of inflation to the national economy. There should be a full me-asure of puibiic understanding and support of the means inc government may undertake to curb inflation. Mr. Lang siiessed the value of l'ifc insurance in retarding inflationary trends. referring io insurance premiums as dollars withdrawn from competitive circu- iniioii, directed to future security. and made available for the exten- s:on of the productive capacity of the nation. Mr. A. E. Pequegnat, Mutual Life of Canada had continued in 1950 its Llnlbrokcn record of gi'oiv'th, new insurance to the extent of S120.-188,000 was written by the Company in its 81st year, bringing the protection in force to sl,l68.- 000.000. all on Canadians. 'Ifhese figures represent life insurance only, and do not include ann-uities or the business of the Sickness and Ac- cident branch. He cm-phasizcd particularly the increase in Group Life insurance and Group Sickness and Accident, which is rapidly expand- mg, thus providing a rcal service to our country's increasing popu- rc-ported that The 35,010,000 in Surplus Earnings was distributed to policyholders in 1950, continuing the Company's outstanding record of providing low net cost life insiinancc. Mr. Pequegnat stated that it was significant that 4096 of the new insurance sold during 1950 was additional insur- ance on the lives of policyiholders. Condensation of the addresses as delivered by Mr. Lang and Mr. is better balance culture. development of raw materials, and manufacturing. This country. is. as a result, bet- ter prepared than ever to deal with today's complex internation- al problems. Dang - of Inflation to Country's Economy Nevertheless. the present situa- tion calls for caution: as John Maynard Keynes has pointed out in his "Economic Consequences of the Peace". Lenin declared that the quickest. and most effective way to destroy social and eco- nomic order in ii country is tihrough the process of ruriaway inflation. Progressive rapid deterioration in the value of money can pro- duce only economic chaos. Rel- ative stnbility in the purchasing power of money is essential to the efficlent functioning of our demo- between agri- -cratlc free enterprise system. During 1950 We experienced a resurgence of inflationmry forces which have carried wholesale commodity prices and living costs to new peaks. There is no immedi- ato indication cf anything but continuation of these pressures, because the imposition of grwater defence expenditures on an econ- omy already operating at. almost full capacity may be expected to generate new purchasing power inapplicable to a gradually shrink- supply of goods available for con- sumption. Adequate control of these forces requires timely and fortihrlght action on the part. of Governments. and intelligent and willing co-operation on the part of all citizens, Increased produc- tion by each individual worker is of prime importance; for, over such a period, expanding produc- tion is one of the most. effective weapons in the fight. against. in- fiaticri. Public should support Government's Efforts by saving In considerable degree, condi- tions in this country are influ- enocd by trends in the United States; and it. is probable that more rigoric-us controls may have to be applied here. Fortunately. those in our Government. who are responsible for the direction and adminsti-ation of our economic policies are among the ablest. and best. qualified in their field. With- out, however. a full measure of public understanding and public support. their efforts can be large- ly nullified; because. in the final analysis. the control of inflation is dependent on the extent of which the ova-all program is ac- cepted and canted out by the great mass of people. We, as a nation. cannot make large outlays for national defence without some adjustments in our standards of living. Now is a time for us to exercise those qualities of self-restraint whim have been oharictoristic of this country in times of stress. The most effective way for individuals. business and governments to combat inflation is to spend for ncnesaontlals an Ihsolnto minimum and maintain - or increase. if possible, to the maximum -- their saving scale. Government Action Noodod To Curb Inflation Governmental action should fol- low a course which will reduce sharp and without. exception all oxpon iturea that are not abso- lutoly essential. and curb waste in all governmental activities. Taxes will have to be inoroasod. fiscal controls imposed. and credit tightened. Reasonable flexibility in interest ram should be per- mittod to onooingo saving and koop money opt of tho qaondins s I ion continuously with a. view to 81st Year Insurance Premium Dollars Play Vital Anti-Inflation Bola Every dollar cur Plaid Force is aiblo to hannel into life insurance helps to retard the inflationary trend. These dollars are not only directed to future security and wftfidravwn from competitive cir- culatlon but, in large measure, are made avsiiable for the ox- tenskn of the productive capacity of the nation: They aid in pro- servlng the value of all insurance contracts. thus providing sound protection to Canadian homes. and at. the same trnc safeguard the national economy. The answer to the inflationary trend is not to sell less life insurance but to sell more and at. the same time to do the other things we ought to do to keep the price level from get- ting out of hand. - Mutual Life Continues steady Progress An examination of the Mutual Life cumulative figures from 1810 to 1950 shows a remarkably even progression. There are no spec- tacular deviations, not.wit.hst.and- lug severe disturbances and dis- locations. caused by lcng war Def- lods, with their equally difficult. nftemiaths; and the vagaries of trade and the weather. Growth In Group Insurance and sienna. uni Accident Benefits Included in' our assurances in force is a substantial and increas- lng amount. of group life insur- ance. As well, cur Company has become more active in supplyins group accident and sickness bene- fits. In free democratic nations there is evident a distinct move- ment toward greater security for tall the people. I still believe strongly that. in the main. scour- lty to meet. adequately the needs of the individual can only be ob- tained through contracts written on an individual basis. However, group coverage is a practical me- thod cf providing a basic layer of seoirrity on a mass basis. thus transferring in some measure the burdens of the weak to the shoul- ders of the strong. Value of Continuous services of Trained Life Underwriter Not. so many years ago. the average life insurance salesman was accustomed to sell insurance in a more or less ha.pha1.ard way -- either pushing pet plans. or simply endeavouring to convince prospective pclicy holders that any form of life insurance was a good buy. it. is not only important. to own life insurance. but it. is im- portant to have the kind of insur- ance that fits the needs of the lnd.ivid-ual. In this modem age. circum- stances and needs change quickly: and it is of the greatest advan- tage to have the continuing scr- vice: of a consciantio trained life underwriter in reviewing per- lodically one's life insurance. our training program is being carried giving the ultimate in professional advice on insurance matters. Life Insnrpnoe Keystone in Security structure of Individual Abraham Lincoln said: "You can not bring about prosperity by discouraging thrift. You can not. help men permanently by do- ing for them what they could and should do for themselves." are of the surest ways for an individual tobuildforhiaownfturcisto invest in a life insure e policy. It is indeed the keystone in the security atriicturo of the indi- vldual. '1'hrough building securi- ty for ourselves, our qualities of vigour. self-reliance and' initiative will reach their full development; and our nation will continue strong. and proud, and free. Future Calls for Vision. courage and Perseverance Canada has been a land of great areas, but small beginnings in ” efforts. 'mough sometimes we grumble about conditions of today. nevertheless our own lives are very much easier than thou oif our Oanadisn forebears. our picneer ancestors had the vision. the courage and the perseverance necessa y to lay the foundations of this great country. Their tasks were performed in the midst of other wan. depressions, periods of expansion and ups and downs of human existence. but. they did not fail. 'IIiey persisted and won: and we must try. to the butof our ability, to follow their example and carry forward to an extent they did not dream of. the hopes and plans which they entortoined and from which we are benefit- tlne. If we do this, our (fecund- snts will be grateful to us. as wosrotoourownancoatora. In gpito of difficulties and dangers. we should. and can. face the fu- turn with hope and courage. and also with confidence that freedom. justice and right -will prevail. OONDENSATION or A. B. PIQUIGNAT. A.l.A-1' l.s.A. It is my privilege It-this time to analyst with you the accom- plishments of the Company dur- ing the mid-century year. For many years. in fact. since not the intneot earning capacity of life insurance suets has been stosdliy dirviiniuliilic. From a rats of o.is'.'- our av Wu-nod doolinedtoolovrolsmtbinista. mt year writiowod an increase and are gratified to roport anoth- ar almost equal inorouo. indicat- ing that the period of retrogra- alon may have come to an end. The ii-nprovunont of tho last two yours has restored the non rats riowod faith in the ability of the Company to maintain the liberal basis of surplus ulstrlbution for which it has become famous. Several factors have contribut- ed to this improvement in inter- . . l:.&Pequeg-riat, General Manager est urnings. The slight. rise in yields on high grade bonds has had an influence; possibly of greater effect has been me wider diversiflcatlcn of our asset struc- ture. our holdings of Canazlaln government bonds, accumulated during the war years, and which a year ago represented an of our invested assets. provided the op- portunity of exchange to advanc- age for provincial and other gilt.- edged securities. Our Canadian government bonds still re-presrnt 4095 of invested assets. and when it is recalled that in 1939. prior to the war, this type of security in- volved but 2292. of assets, im-proved earnings arising from a still wider diversification may be expected. Residential Mortgage Loans substantially Increased The most potent. influence to- ward higher earnings is the large- ly increased investment in mort- gage lcana. almost entirely contin- ed to residential construction. Act- ive mortgage operations are being canted on in all parts of Canada. These mortgage loans, for the most. part, carry the guarantees associated with National Housing loans and the Company is proud of the important part. it. has play- ed ln the provision of adequate housing for cur pmple. The in- crease Ln our mortgage invest- ments during the year amounted to Sililo Million and these new represent siigihtly over 2092. of iii- vested assets compared with a lcw of ll.29t: in 1945. New Type of Investment "Real Estate for the production of income." now permitted by a recent amendment to the federal Insurance Act. comprises the cost of buildings occupied by commer- cial and industrial corpcrntlonr. of woven stability under long term leases providing rentals suf- ficient to amortize the original cost of the property wltlilu the lease period. In this way working capital is made available for cur- rent needs rather than tied up permanently in new ocnstruction. A substantial expansion of this type of investment. is expected. Stock Investments Profltablo -Stock investments, preferred and common. increased during the year by 83,600,000 to 314,500,000 and on this investment a yield of OM96 was realized. The market value shows an appreciation of 33.80000 cver book. The book value represents slightly less than 496 of total assets. Mortality Experience Favorable 'Ilhe mortality experience during the past year wasyalmost. identical with that of the previous year and continues to provide a substantial wiitribuvtion to the surplus dis- tributed to policyholders. There has been little change in the in- '-'ence of causes of death, heart and associated ailments taking their usual large toll; in fact, again an increase over the previ- ous year. Insurance companies are actively encouraging the ex- tensive research now being con- ducted in many fields of medicine, and we have good reason to hope that such research dforta will re- sult. in further improvement in mortality and morbidity. Surplus Earnings Maintained The surplus earnings of the Comlliny. 3.195.000. slightly high- er than the previous year, may the effect-of higher expenses in oil birgnohes of operation. All we factors which enter into the conduct of o life-insurance busi- ness reflect the trend which is all too evident. in today's economic picture. snrplns rlbntion to Policyholders Exceeds :5 Million Substantial appropriations have again been made to strengthen the aovonl reserve funds maln- tainod by the Company. It. has been traditional policy to make .. ision ' abnormal fluc- tuations in the earning power and value of our investments and in the factors which govern the suf- ficiency of the statutory reserves maintained to satisfy policy ob- ligstidia, During the past year surplus distribution amounted to 35,010.- 000. exceeding the previous year's distribution by over 3100.000. our rooord of surplus distribution to licyholdors continues who the envy of the life insurance industry and maintains for the Company its omit popularity with the Can- adian vuouc. War Cialllo Affects Sales of -Nopv lnsil-once from the standpoint of prcduc- tion of new business. momentous decision: had to be made. 'ITiese oontorod mostly on the serious threat of general war. occaslcnod by the Korean episode last June. The determining factor in arriving at our decision regarding the to mm; which onoounsos rs- IIIO M I WI! CIIIIIO WII. I11 OMIIIC. the protection of existing policy- holders and the grave implications of the war situation as it. exists today fully justify the action we have taken. The outcome of the negotiations now being carried on by the Assembly of the United Nations to find an amicable solu- tion to the Far East. problem will probably determine whether an early modification of the arm- ed services i- brictioris in el- fecl: is epgpedlent. it is" norally agreed that uniformity of prac- tice among competing life com- panies is highly desirable in re- spect. to restrictive measures of this nature and to' this end we- have endeavouredato exert some leadership. However. while the state cf international affairs ooii- tinues as perplexing as it is at the moment, unanimit.y of opinion as to adequate war clause procedure can scarcely be ex ted. New Business Totals S120,4d8.000 We have every reason to feel gratified that we are able to show pmdtlctlcn figures for the year of s1ao,4o8.ooo. slightly in excess of the previous year. 'Ilhis total in- cludcs new group insurance cases. involving a total of 37,460,000. It. does not include additions during the year to existing group cases nmounting to 534,600,000. making total acoretions to our group in- surance during the year of s42.- l00,000, as compared with 331,100,- 000 the previous year. The net re- suit. has been the largest increase in business in force ever shown by the Company. The total in force on December 31. 1950. atte.- reassurance, amounted to sl,l6ll,- 090.000. nn increase for the year of almost exactly S100 Million. The previous largest increase, &0,-l00,- 000. ccourred in 1949. Business in force totals represent life insur- nnce cnly and do not include an- nuities or the business of our Sick- ness and Accident branch. such encouraging results can only be produced by high quality business for which full credit must be given our highly qualified and most. cf- ficient field force. Again the Company can boast a lnpse rate unequalled in Canada. and very much below the average for the industry. Large Hospital-Medical Plan For Federal Public Service The Group Accident and Sick- ness Branch of the company can- tinues to expand rapidly. special mention, however. should be made of our participation. along with three other Canadian life insur-I ance ccmpanies, in the largest group coverage of this type ever placed in this country. the Public Service of Canada I-lospit.al-Med- ical Plan. which already involves over 00.000 lives, and which will likely will be expanded to include 30.000 or 40,000 additional civil servants, our Company has accepted the responsibility of ndmlnlstcrlng this vast prcgi-am, of hospltallmtioii and surgical fee benefits and has established an office in Ottawa to facilitate its operations. We feel confident. tlint' the successful .nciminist.ratlon of this plan, which will operate on the mutual basis, and which in- cludes civil servants from New- fcundland to British Columbia should prove of real service to ihls important segment of our coun- try's population. Responsibility of Life Under- writer in Combating Inflation In commending our Field Force on their splendid collective pro- ductlon achievement I wish to emphasize the important responsi- bility the life underwriter bears of not only safeguarding the fu- ture welfare c.f families and in- dividuals but. the national econ- omy as well. The inflationary pro- cess has expanded the pu. ” ' power of the entire employed population and the distrlbiitlon of this purchasing power will de- termine tihe ultimate scope of the inflation spiral. If this augment- ed purchasing power is devoted to present wants rather than fu- ture needs the ultimate result can only be wide-spread economic and social distress. If an increasing portion of personal incomes is de- voted to building up savings and security for the uncertdin days of the future. the lessened demand for the semi-luxuries of life will retard the advance in prices and provide real value to increased personal earnings. There is no group so well trained to advise on family income dlstrilviitlon as is the great body of qualified life underwriters. A large section of the employed population of Canada has grad- uated into an income class where adequate life insurance not only becomes possible but is an essen- tial lf the improved scale of living is to be maintained. Hitherto. moderate amounts of industrial life insurance represented the family protection. Now, life insur- ance cannot be termed progressive if it fails to acquaint these fam- ilies with the lasting value find the confidence and satisfaction engendered by an adequate pro- gram of permanent protection. rolicyholdern Increase Insurance I also wish to thank all policy- holders, num-bering over 300.000. who comprise our mombershtp. for their tontlnued support of their own Company. Almost forty per- cent of our annual new business arises from additional insurance on the lives of existing members and we nre sure that satisfaction -with the results achieved under blioir policies. expressed to mem- bers of families. friends and busi- ness associates. has contributed lsiggely to the outstanding posi- tion hold by this Company in the realm of Canadian life insurance. This company has but one aim. that is. to still further cxiond its benefits throughout the domestic and business life of our nation. and feels encouraged to renewed effort and wider horizons by the unquestioned commendation cf the great public whom we endeav- our to serve. LIFE ASSURANCE COMPANY or CANADA l-IIAD on-ics. WATIRLOO, ONTARIO outpost In cliina oy vu Glalsnd Continued 'You did." agreed shells cheer- fully. "Well above the average." "I suppose it's the morning after -or methlng-but somehow- wcll, I don't feel the some way about things this morning," he stammered miserably. "book here. Sheila, even now, couldn't. we--?" "No good, Gerry. I'm sorry. I must. change." Gerald found himself alone. He stuffed his istol into his pocket. refingered eeks and chin with aoute distaste, and slouched across to the sideboard. with a certain air of defiance he mixed himsdlf a stiff drink. swallowed it, ooughed vio- lently. then picked up the second can of water -which sheila had left. beside his bedroom door, and car- ried it in. Jeaiously, decision. had alike died out of him in the cold grey morning light. He hardly both- erod even to wonder what could have happened to Leslie Dale... sound of his door closing. The moment she heard it. she tlptord back into the sitting-room, and ran out on to the veranda. 'Ilhe distant hills were shrouded in mist. The road was bare and empty. sheila stood. her hands pressed to her breast, her heart th-udding painful- ly. The sudden appearance. below her of a single walking figure made her gasp. But it was Patrick James, wearing a singularly shabby ram- coat. and an expression almost ludicrously anxious. Sheila put her fingers hurriedly to her lips, and waited for him to climb the steps before she spoke. "I've been worrying about. you all night." said James hastily. "Janet sent me cver the moment I woke up. What's happened?" iN0hh1n8." said sheila indifferent.- ly. "I told you not to worry." Tm immensely relieved to find you an right. Where's Gerald?" Sheila smiled. 'Shaving. I devoutly trust," she said. "Has your wife forgiven me?" "I don't think," said Patrick James. 'that she has anything to forgive.” 'I DON'T BELONG" Sheila laughed outright. "You know. Mr. James. one of the best excuses for sinners is that good people are so exasperatlngl" "And vice versa, surely?" sug- gested the missionary. ”D'you know, I never thought. of thati" "Sure there's nothing I can do for you, Mrs. I-favelock?" sheila hesitated. "It's awfully kind of you-Leslie Dale's bound to pass your place on the road back. If ycu could just warn him of this silly attitude of Gerald's-I mean if you could persuade him to stop with you for the time being-" "I'll try by all means. But, know- ing Icslle. I'm afraid it won't be the least good. He can take care of him- self, you know." "Thanks awfully." said sheila. "You knew, Mr. James, I do ap- preclate your kindness. really I do. Just as inside me I realily like Janet. It's this beastly place! I don't be- long. I know that now. So it's brought out. all the worst. in me, just as its brought out all the best in you and Janet." James smiled uneasily. "Janet's always right," he said. "I'd strongly recommend you to take Gerald out of it as soon as ever you can. Au revoir." He shook hands. and went. away again up the road. sheila was still tot your bunny be soon . . . not your skin Pobnpllvo-stun Ehoiusrids of ve o n . Csnaiiiayn rose- on smooth and rs ism with daily Palmolive facials. You too can keep your skin rose-pet smooth vith Palmolive. Bolero you wash. Iuub r jut. Now . . . I not My unu- ug: Nun alnoliwa Bunny Lubrr ism you slip for do us-ands. Tonb your fan a sin. ll'r nlul-1 I . . . rou- prlahiwoolb. New Pslmolive's Beauty Lather searches out every trace of din from the tiniest pores . . . leaves your skin sag. smooth I rose pets you or- . ldoklng. I PIIMOIIVI is i sheila had been waiting for the l rauit NE l You will be delighted suitii this fragrant tea A "SAl.AM' OBADWE PEKOI looking after him when dcrsld flung open his door. "Who was that?" he demanded suspiciously. "Only the padre. I t.hi.nk he came to look for the body-but. for yours or mine he didn't say." "He'll keep away. if he's wise." said Gerald l-Iavelock. The discovery that his hand was so shaky as to make shaving next. to impossible had not improved his emlper. "Oth Gerry. do stop this blood and thunder rubbish. I'm so tired! And it's such a foul momingl" "i think.” said Gerald. "you'll take me seriously before I've done!" CHAPTER XXII DOWN FROM THE HILLS The I-Iavelocks were still complet- ing their respective toilets when Leslie Dale led General Wu in from the veranda. The Generalls person- al guards took post by the french window. Wu himself stood by the table, stroking his moustache. Dale sank exhaustodly into a chair. feeling as if every several llm-b in his body had been pounded into a jelly. "What. a night, what a ride! A drink. General, while we wait for Mr. I-Iavelock?" Wu accepted a. glass of lime juice and soda, and sat. down. "You quite appreciate what. I want. done?" Dale pursued. "Phat is so, Mr. Date." "If. is to our mutual advantage," Dale continued, "to allow Mr. Have- lock to believe that he has settled this matter himself. Then he will take peace with honour book to Shanghai. and be happy to resign in my favour." The General was observing with a slightly sardbnic glance a. large photograph of Sheila. that stood or: the desk. It was an enlargement. of a snapshot. taken at Ascot. She looked very pretty, very young, and extraordinarily civilized. . "We say in China," said Wu. "that. one day of wedded life de- serves a. hundred days of kindness. I shall be pleased to show Mr. I-lavelock the kindness he deserves." Leslie Dale repressed a smile. "I'm afraid you're old-fashioned in your ideas about marrlageg, Gen- eral... . Wu crossed crossed out qvurred boot. over the otiher. ' - "Those who know," said he, "d not. speak. Those who speak do not know." , "As you realize," said Leslie laughing. "I like you immensely. Butldoubtiflcanaocoptyouu a moralist." ' "The sage does not reject good words are , ' an evil man.” observed Wu rather coldly. . " e the Devil's quotations from scripture-I see. Tdl me, General. Just: why do you prefer me to Mr. l-lavelock as agent. in charge at Tan Pu?" ' "Tigers China. do friendship." and deer, we say in not stroll together in Ellen's Illarli Continued from page 2 of blue sky. but. it was a cold color. and the sun was the distant. brit- tle sun of the Fall. And the nights! Strange how sometimes the nights are so short! In illness they are so long, seemingly endless when s ro- f-reshing rest. fails to come. . . . one afternoon we shall lover remember. we were awakened from a doze by a strange nolso- a startling unusual sou.nd' we tried in vain to place. It seemed as though some calamity had sud- denly belalleii our world about . . a. comet had touched the earth. or perhaps at last it was the end of the world! So unreal it was, we decided that maybe we had been dreaming. But. soon steps on the stairs and a voice we know unravelled the mystery. It had been the arrival of The Doctor in his new automobile, I rare and magical conveyance, and among the first of these machines to our farm. The old mare of all, in her heydey then, and out about the barnyard at the time never got such a fright" James told us Iat- er. Her eyes popped. she snorted wiio.,. and ran this way and that trying to escape from that queer horseless vehicle, which had sud- denly like some terrible apparition. encroached upon her domain. U U I our world about has com I long way since then. Year after year, added improvements hsvo battered in speed and comfort those early models of machines. impressive and amazing con-voy- ances thcmgh they wcre.'unt.ii now stream-lined successo . speed am. ease in every detail of construc- tion, purr alone lane: and drfvu ways. We recall there were notch- or trucks nor tractors on our farm about in those days, nor any sign of Radio, now almost a nod- esslty to our living. "And what! that?" James stops the convoruo tlon to listen. "It could be tbs snow-plow" Mr. C. from the house on the hill offers, "but" he adds lightly "I guess it's only a. plural" Truly. we have come a great di- tance since that time when 0 women and her small son vvuo down with the Black 1"l.u' in list room above this kitchen of aural Until tomorrow Diary no Good-night. . . other-is that it?" "Precisely," agreed Wu. "1 will if to explain. You and I, Mr. Dale, up. derst.a.nd one another, I have studi- ed English history in cumin and San Francisco. and I believe that I can without. lnexactitude, class yup as a Victorian. You believe in you God. in your Monarch. and in tin! British Navy." "Arid one good tiger deserves an- To be oontlnued 1. Q HEW! PAIMOHVE J6za5mo&- 3Jh,d .0 - x of that season with the white blrah, a young tree then, holding the premature twilight close in its topmost branches. And some of the days were sunny, with glimpses