I . ~\GE TllE GIIARLOTTETIIIIII GUARDIAN Morning Dilly (Founded In Ill?) President: Lieul. Col. W. (Shelter S. MOLIIIO Vice-President: J. I. llurnell. l-JJ. Seereiln. Lleul. Col. l). A. Mlolllnnon. 0.8.0. lditor tend Man Director: J. I. Burnett. l-‘J-l. Alloeute Editors: i-rnnk Walker and Lieni. inn A Burnett, LtLNJ/Jl. (On Iiel-lvo Service) "The Strongest Memory ie Weaker TI; the Weakest Ink.” FRIDAY, FEBBUAIDY ll. l9“ Family Allowances One of t11e proposalsiin the Speech from tl1e Throne is faniily- allowances for children. 'l'l1is is based on the principle that the State is litter- t-stetl 111 citcotirttgitig pztrcitthoud, and that the burden of rearing 1111-111 s11u11l11 i101. fall entirely upon the parents. lltis priitciple has already been recognized 111- CXC1!t1.‘11l$ allowed for 1liild ntaitttcnatice iii the incuttic tax; 1.1111, ironi- cally cnotigh. 11o aid w11s 0ff1-r1-t1 to 1llU>C par- ents \\‘lllt~,L_‘ iiictiitit- f1-ll lit-low 1t1ct_1.11e tax lc\-cl. This anomaly is 11<1w 111 he 1111rt111llv rcntedicd 11y p111 111g :1|l11\\";111c1-s for 1-h1l11r1-i1 bcyotid the first, 11p 111 1111-. 1111s pr0pi.1s1tl 11111-5 1101. meet with thr- 1111111111111 11f sonic of the 111110111‘ organ- i/tzttions. '1 1111- 1111111 tip-111 i; 11s 11 sttltstittite foi Zl(l(.'<1tlll1L' \\ -~. lint iii other countries where faiuily allo ..i1"1-s are in vogue it is recognized that wages that may afford a high stattdztrd of 111111;; 1111' a single- 1111111 may 11c insufficient to 1-11111111» t1 father to provith; for 11 fantily- of six. Yet sitirt- both uteri may 11c (‘t[tlZlll_\' 11r11fic1ei1t it: prorluctiott, industry 111111101 reasonably he ex— pectcd to take their differing needs itito ac- count iii 11:; pay rolls. .\ lircticli-laiigiiztge 111-u spapci" in (jut-lure City raises a different objection. 1t says: "l-lartlly hail tltc cstablishtncitt of fainily- al- lowances been announced. when already it be- came ttccessary- to warn large fatnilies not to cottnt too 11inch 011 the schetne, The proposed law would establish a ceiling, and so iiutch the ivorse for wivcs who hrcak it! llonics where tlte nuiitbcr of cltildrctt exceed five or six would receive all -.v.'nccs 1111ly for those first five or six. “'l'l1e 511111: ivhiclt would (liscotirage iti this way 12111-51,- fatiiilics, ivhiclt would give the 1111- 111-essioi1 of taking tltc-nt 111111 11o account, would (lescrve to be accused of paganistn. .\nd if (-\‘€t' the central ztutltorities adopted a law \1-1ii1"l1 should 111115 discritnitiate against big families. it would 1l'.‘.~'1-r1e that the provincial government should slap it in lltc face by inakittg up the dif- ference by granting allowances to these chil- dren who would be so deprived. “lf tlte ()tt;1.\v11 (iovcrtiiitetit has not tltc ineaits to grant these allowances for each child, fin titatter how many there are iii the fautil_v, let the allowance l1cgit1 with the third child 111- stead of with tlte second! 'l'hat would be more logical. more social. inure Cfhris1izti1." lf this is the attitude which .\[r. King's {Que- bec follmvcrs will take in Parlianicitt, therc should he sctnie lively debate 0n the subject. Restrictions ln view 111' 1111- shortage of fertilizer cott- laiitiiig ]lUlSi.\11, i1 is important 111 note that strict orders as 111 1h-.- distribution of the avail- able supply- have been imposed upon the. trade by the fertilizers administrator. All titztnttiactttrers and wholesalers of fert- ili-ers are alrcatly- l'('t1tli1't‘(l 11y 1111- \\'artii11c .l'1'1ccs and 'l'ra1le lloard to distribute equitably to their tisuttl custoi111-i"s. lfnder a recently is- sued directive, every retailer and other dis- tribtitor iiittst follow suit witlt his customers. lle must ti) arr1t11g¢ t0 supply his tisutil cus- tomers- first 111-fore undertaking any 111-w ac- eottitts; 1.11 1'11‘ iuust not supply any custoinct or ltintsclf with f(‘l'llllZCl'S coittainitig 1101111111 111 a tnittiitity excceditig 73 per c1-tit of 111: potash 111111-11 h’,- supplh-d to 1111- custonit-i- hints 1' 1943; (31 if ttdtlitimial >tt]t11l_\' of fertilizer availttblv, 111- nttzst supply tiny nr-w customer. provided 111111 llt(‘1' are l1oiizt fide faritiz-rs, witlt z. f1llllllill_\‘ ivhich i- "rcasuttzible" lmving- rc- gui-tl 111 th1- 41111111111105 he 1121s stipplicd to his Fertilizer 1:1 is other cttstnttirt-s, .\l11r1-11vci'. if any custoinct his tilrvztdy- 111111-11 111-1111-1-1- 111' fertilizer contain- ing 1111111- 1111111 his fair share 11f potash (ittorc than f3 1.-1-i- 1-1-111 of which he tibtztiiicd iii 1943') 1n- 1111i. report ftillv by March t. i944. to the atlniii ‘sit 'l'hc-~-.- r - 1tt't1\(- soitit-vvliat trun- lll(‘~tlllll‘. 11in I11 i-t-ini-tttbei" that they ru-t- 11 uartittie 11t-cc. 11y. Sinn- 1111- quantity 111' 1,.,t;,,1, for [lgp in 11114 will b? short of that u~ed in tizttzttilzi iii 11143.11 is essential that the dis- tribution 111- i-qstrit. s11 that each tttrinet‘ cnsiotitt-i- 111111 i111‘ $11111":- 1111;; 1501111111. TRJo-rfes tit-t-t-t-ttl .‘1l-.-X.11i_-_-l1!oi1 is out of 111s c11ii1111ai111 of ('.':i1;itl;1's oar-r-w-as ttt'tll_\' 1:11‘ ont- 11f three r-ason.» liitlu-t" l1.» i 1-.1-t1i11ll_1- 10o ill to carry (in; he ha. shown hiinst-lf to he either pr: ti- 1-;-_ll\" ttt' 1FltlllCfitlllUlllillly tinfittctl to retaTn (ltlllllllillll 11f 111.1 .\rii1_v, or ht- has been thi- vic- tini 11f --1n1<~ military 11t1litics. The first reason which has 1:111 tht- 11111- 111111111151-11 by tltc tint‘- rrnincnt. tiuitt-ral .\lc.\'aughton ltiniself has rc- puditttcvl. '1'l1i.~ leaves :1 choice between the other two. .11 111.; (General was i-cltittlly not the titan tn b1- left 111 1-11111111111111. 1111-11 1111- 111-uph- should know it. Th1- r<-.<11t1i1sil1l1~ atitlmritit-s owe it to fllClllSClYCs‘ to nittlu- this rlcttr, if itierely- to escape 1111- rhargt- that they have unfairly treated a fiizt- soldier. "If, on 1111,- otlier 11111111, he has 111-cu 11111110- etivred out of his position through the 111111-11111- gtigng of powet-fttl t-t-"ttties." 5111-,- tlte \\'i11dsor Star, "that feet slit-N; 111- hrotigltt to light. lf {hi5 has 111111111-111-11. 1111-11 our ivhole iitilitary or- gztnlzatioti ntust 111- stibjt-cted to the ttt0s1 searching scrutiny, for we cannot afford tn have our war effort lit-deviled by jealousies and cheap politics. \.\'e tit-i at :1 critical stage of the eainpaigti, and thr- inziintcitance of public con- fftlcnce ant! of morale tnnotig the troops is of the utmost iinportatice. .\'citl1er of thcsr- ctui be sustained wl1i'1- invdci-v Sltl'l'0lllt(l\‘ these divelopmeitts. The lid should come off." .-\_ 1- tUIIURIAL NUHL) _ A The differences 1n opinion and policy of the Ottawa Lioveriimcrtt are deplorable to say the least of them. ‘fhere, 111 a matter vital to both ltave two diametrically opposite views express- ed regarding the policy to be pursued. The ll-linister of Finance says rationing may be abolished, while the Prices Board retaliate. "itothing of the kind, it will remain 111 force." Hitherto, until Mr. .l{ing took office, it was obligatory for a government to speak with one voice. a- a a- u- The R.A.F. hands over to the R.C.A.F. here this month. This may partly account for the fact that Capt. Harold Balfour, Parliamentary Undersecretary of State for Air, has arrived in Uttawa with Air Marshal Sir Peter Drun1- nioiid, air member for training and officials of the British air tnittistry. The announce- ment said Capt. Balfour will be staying in O1.- laua for a "few days", and that he and his party are here t0 discuss with Air Minister Power and R.(_'..\.l-'. authorities “various mat- ters in connection with the llritish Coiinnon- \\"ea1tl1 Air 'l‘raining 1’1an." U I it I Trade Minister MacRitmoit told the C0111- mons that the ivhcat delivery 111111ta 111 the \\'est is lx-itig raised to 1S bushels pct- attthurized acre front the present 14 bushels. .\lr. Mac- 1\'i11iioi1 said it was intended to have all points up to the iS-bnsltel 11110111 by the end of 1111: crop year next _luly 3i, because 01' increased export ittoveittents. [he raising uf delivery points now on the 14 -bushel quota would be de- ferred until points still below 14 busltels could be raised t0 that level. .\lr. Nlacliiniton gave his statement in reply to Fl. l5. lk-rley ‘Ptfl, 1___)n'.~\ppelle) who referred to reports the 11110111 would be raised to 2n bushels. l! it II 1t‘ Rt. l-lon. LieuL-Col. john Buchan. 'l'\vee1lsniu1r, litteratetir and statesman, died this date" 1940 while Uoveritor-Lieiicrztl of Catiada; son of the Scottish inanse. he had a distinguish- ed tiniversity career 11t lilasgovi- and Oxford, later entering the diplomatic service under Lord 1\Ii1ner, he earned high credit for the efficient discharge of his duties, atid later was appointed by l’rinie Minister Lloyd George director 01' Public lnfoi-tnatiott under hint 111 1917-18; it is as 11 novelist and writer he is best known and will be longest remembered, having to his cre- dit a long list of publications: "The robe of flesh wears thin, and with the years (jod shines through all things-Mlle findetli tiod who finds the l-Iarth l-le made." 18 i‘ l‘ t! A reduction 111 fees for motor vehicles licctis- ed in New Brunswick has been authorized by the provincial gcu-ertinient to apply to the 111111111 vehicle year commencing .\pril 1, i044. 'l‘l1c t‘C(.lltCti0n affects all l_\'1>(‘s' of pusse11evr cttrs .11111 the heavier trucks. Passenger c111" tees cents per 1‘\\‘l. to tio reduced front $1.- to will be reduced front S5 cents, with mininttiitt fee $10, meaning a stiving of from $6 to $1) to the average car owner. Fees for trucks where the gross load is 11.000 pounds. oi- under, rcinain the same. An illustration of what the reduc- tion 1vould tnean to the average car owner is given in cotvtpariitg the present rate with the proposed fee. .\ light cat" weighing 2.400 potiitds \\'0lll(] cost $14.40 at the tiew (So-cent charge as against $20.40 at the old figure-a saving of $0. blctliuin-weight ears would cost $10.80, eoniparerl to the present $23.80, .1 sav- 111g of $7, if the ivcight were 2.800. Larger tnotlcls, ranging from 3.200 3.1100 pounds sini- i11trl_v would have a fee of $191010 $21.60, cost- ing t'ro111 $8 to $8 less than at present. 8- * Its There has been a reshuffle of portfolios- in 11111111111111 l"r11vii1c111l tioverntncnt. .\l1'. _lol1t1 1'. Dry-den, of Sanford. .\1an., Independent niembcr of the Manitoba Legislature for Morris, has been named Provincial .\linister of Educa- tiott. l-le sticcecrls llon. Ivan Schultz. who 111-- canto .\l11iistet- of llealtlt. .\1"t11r1iey Lieneral _l. U. Xlcluenaghen, former .\linister of l-lealtlt. .'tS$lll1lC$ the Labor portfolio previously held by llon. lirrick l-'. Willis. .\linistcr of Public Works. l10ll. l). l... Campbell. Minister of Agriculture, will take over from the Premier administration of the Alaniloha l-‘otvei- Commission and lloii. \\'il1i1nn .\lorton, inunici 111 cointnissiotic-r, will also beconi: Mitiistei- of 'l'eleph0i1es and 'l'ele- graphs. Both portfolios were formerly held by tltc Premier who will continue as Provincial 'l'reasurei" and Xlinistei- of DOI1lltl10l1-PFOVlll- c1111 1101111111115. .\lr, Dryden. only new ttteinhcr of the cabinet, is 5o years old and a graduate in agriculture front the lftiiversity of Mani- 111111. 11c was elected to the Legislature in the 19.11 provincial election. I I i F llcre is a tip worthwltilc taking by our 01111 Piovincial Govcrnntetft. Agricultural matters in the province have so much relation with Ot- taivzt that the province of Quebec has decided to appoint a permanent agricultural representa- five to (Juan-a. :1 liaison officer for the Quebec (lcparttntnt, and l". .\, Daiisereau has been nanied to the post. .\li-. tiodbout pointed out apropos of this appointiuetit that there is 11 lztigc 1"oi"respondcnce maintained between the prm"it11"ial and federal services regarding poli- cies 1111:] iiuincrotts 1iroblei1is arising front 1111- prcscut and post-war food production pro- grant. “We lt-novv from experience that coni- plicatcd r1ucsliOns cannot be satisfactorily set- tled only through correspondence." said 1\fr. (iodbottt. “P011115 of view front both sides are often diverging, ivroitgly interpreted or tnistltt- derstooil. Personal contact is the key to better unrlerstaiiditig. Besides, repeated trips to and fi"o111 Ottawa will be thus reduced to a mini- 1111111i. resulting in an appreciative economy of travelling expenses." Besides we require and must ltave stable administration 1vithin the pro- vince. At present we have not got such. N0 litisinesrs, no governinettt, can be successfully run, ivhcre the hear] is gallivanting over the cntititr)’. leaving the administration to tal1-c care 11f itself or by such substitutes as may be tem- porarily available. Perhaps were .\laj0r Otto Campbell sent as agrieulturist representative to Ottawa, a lnt of unnecessary trouble and ltcart- searehitig would lie avofdetl. be considered equivalent to a fifth wheel to on. Parliamentary coach. producer and consumer, beef production, vvc' Lord 1 __T’I_IE ILHARLF/l"! ETOWN __ (EUARDIAN “ PUBLIC FORUM Inhale-annular it n inland. omen-a- Tun-menu:- Q 0O lie 11111 ‘LIQUOR HERE AND ILSI- WHERE Sin-I did not intend to write further 0n this subject of Tem- perance but. after reading Rev. Robert E. Shaw's left-er from the Press Committee of the P. E. I. Temperance Federation I feel ft e duty and pflVllOIe to thank Mr. Shaw and his committee foi- the valuable information they have given u to some of the results oi’ Government sale ln other Canad- lnn Provinces and United States. I know many people are very thankful to this committee for the tnformatioit they have given. I also wish to thank the Mitr- ray Harbour glrl who gave her experience of 11 much better con- dttlon here than ln the govern- ment sale province where she lived. The "wets" try to make out how bad conditions are here but we do not wish to imagine how much worse it would be with eight. times as much liquor used as ts the result in the other provinces. Now I expect Dum Vlvlmus Vlvnmus wilt feel slighted ff I do not refer to 111s dressed up state- ments. 1f his conscience is as_cleai- as ever alter reading the above mentioned letter he had better sit clown and analyze it to find out: whether his moderate appetite which he advocates has not num- bed it. I have known fine clti- zens and friends who after 111.- ltabitual use of alcohol changed their whole outlook on life and their rightful responsibility to their near and dear ones. I was very much interested to read 1n a reliable paper very re- cefttly the attitude that. “Lisa-in takes to this evil U A. Mlty states in the Ititei-ttationat Record “If a woman offers liquor to a soldier, she may have to serve a six-months sentence ln prison; if she gives it to hlm, she is shut. There can be no drinking by the soldiers white the n-ai- is on. tor men must be Strong healthy and fully possessed of every ivhit. of their sci-engtti and ability " A most. important point to re- member abctut the liquor question tn Russia 1s that. there are no t-este-t interests concerned 11.1 the malntenatiee and eiztenstcn of drinking. All the world is wond- erlne at Russia's success in this war and I believe that their at- tlittde Rs a country to‘ this evil ls the result of their marked victor- 16S I fiat-e felt for sometime that the tlqttcr truffle ln Canada. Great Britain and United States its nreventing our titmost. war cf- art. An Austrrliati Chaplain says that a great number of the Ger- man and Japanese attacks have been made on Saturday night or Sunday tnornlnpz 11111011 they know 50m;- of our soldiers 111-e recover- i11~ front a carotisal. Dr, Howard Kelly. Emeritus of Johns Hopkins University says: "Alcohol is a habtL-formltig drug. Its high potency as a dang- erous drur. ts a 1x11111011 times more harmful than any conceivable 11c- cruing advantages." Righteousness exaltelh a nation while sin 1s a reproach to 11111" DP9Dle and I feel that. the liquor evil 1's a reproach tn tnn- tiatfun. I am. Sir. r-ic. SCHOOL 'l‘EA(,‘llliR. Distribution Of Potatoes (Saint John Tc egranlt-Jourtinlt A national distributing agency has been set up under the war- tlme prices and trade board for the handling of potatoes, An wr- ly start 1's being made while the overall supply ls adequate so 111111. there will be no repetttiuti of the shortage which occurred a veni- ago. this control so that the supply of tubers wttt be equitably distri- huted according to the need nf the consutners. Orderly market- ing should be a help to the grow- ers as well as to the neoule izen- zrally The ntmouncetnent. of the in- auguration of control does not. mention seed potatoes and l1 ts supposed that only table stock will come tinder the new agency. In Ne-w Brunswick there have been requests made by growers that. the exoort embartzo be removed front set-d potatoes so that growers may set] their stocks to advantinze. Under present condition, seed tu- hers can be exported only under a succlal permit by the federal au- thorities and the plan is said not to be satisfactory to the farmers. Perhaps when the table varieties are dealt with, something will be done to allow of a freer move- ment of the seed. 111 any case ft ts extracted that the home de- Iffilnd will be izlven first consider- F. .03. FishEfiE§"1lsT1'i<i' 'l‘he Future tfialtfax Chronicle) In a recent. address H011. P. D. H. Dunn. Commissioner for Na- tural Resources 111 Newfoundland discussed p. ls which overtiment. of that country has n mind for rc-ortzatilzatlon and development of the fisheries 111 the period immediately following the war. Mr. Dunn's remarks reveal the far-sighted and aggressive pulley which the Commission of Govermnent. have ln mind. Newfoundland recognizes the high] competitive character o! the fshtng lndustry. especially in relation to salt. flsh. But. rather than stand idly by while some other country walks off with the market. Newfoundland proposes to he ready to make a vigorous bld not. only for the salt fish mar- kets of the world. but also for the widely ex andecl fresh ftsh mur- kets whtc improved methods of rgrtgeratfon are certain to pro- v e. Mr. Dunn does not believe that the success of the Newfoundland fisheries can be assured either by co-operattve marketing alone. or by Government opcratfoi", but. rather by private enterprise with adequate government assistance. Wlth this cud fn view. the Gov- ernment of Newfoundland has undertaken to tend money to care- fullv selected operators with ade- ()f emu-so. it 111:1‘.- quate resources who are able and Llwtltlmz to engage 1n the ftstiertes on extremely modern tines, fhreg- ond-n-hntf oer cent. lolnl on the 1 Evidently there ls need of - "You have a vital stake in everything that l CAN sav ver truthfully that there never has eon a time when» the leaders of finance and business were more conscious of their responsibility to the general public as well as to their employees, than they are at the present time. The attitude of management. today is one ofcuquiry and research into ways and means of reducing costs, giving better service and improv- ing employer-employee relations. I am satisfied that. lenders in industry command tlit- res-pert and uJYIfidEIICG 0t‘ the public as 111-yer before. The life insurance business can point with pride to n record of achievement. that. 1a commensurate 1 only with its op nirtunity for service. The fact that our Cann- dian life insurance com unit-s have weathered the linancia gulf-s inci- dent. to war and depression and that policyholders‘ claims have been met. in full, and that tho companies have gained 111 strength and size as well as in responsibility, reflects both sound management; and continuing (ronfidencc on L119 part. of the public. Objection 1111s been raised lo our competitive sy-stt-nt. pnrlit-ularly as 1L has to do with the use 111' agents, IL is claimed that if we . to ctriploy fl1.',"ilt-l w1- Could provide t-lit-api-r 1 urnnce. to the public. 'l‘h11t.ltastletiititely not. been proven. '1‘l-11 lilr- 1nsur- anct- reprv-ss-ntativt- fut-111: t-s a urir-lul public 111-rt it-1~, ll. it; proh- ably wt-Il 1111111111 the marl; tu sztv that perhaps not. morn than 1U‘ 1'1 of the business that in now in fnrce would exist 1f tuttive solicita- tion for business had not. been resorted to. Furthermore, the agents have furnished nutny 11n- cillary services that have been pf the greatest benefit to the public. The modern lifo insurance agent: or 1 ,.resenl.at.iv= is much more than a salesman. He is a trained and skilful counsellor and sound professional adviser. "kt"!- I wish briefly to allude tn two other points of criticism that: have been lodged against the life corn- pnnies. Ont- has to do with interlocking directorate-s, and the other has to do with the pone-fat policy underllying companies’ 1n- vestmcnts. confess that; I nm surprised sometimes that we are able to get: men of such hilt standing and sound buslncos ju g- ment to give their time and advice and accept their share of the res, "ility of management for the fees that are paid. 1 do not; deny that. many of our Directors are associated" in some capacity or other w1_th other institutions, but. that IS merely another way of saying that tho nn-n who are most. (lc-sirablo are tho men who tire mitt-it. sought. In my own experience 1 know ofnn Director who has sought any favour for himself or uiiy other institution with which he is con- nected, or who is i .1 ' .d by nny tmitivc 12111-0111 that of promoting the best. interest. 111' 1111.- North Ameriean Lilo. 1 The investment policy of‘ our life compunics in tit-ct-ssttrily t-ontrnllt-tl liy the terms 111' the Dominion lnstirtttice Act. Purlitimt-nt, xtery rightly we 111-hove, in 1iruscrlbing the type of‘ investments we can make strongly SLIESSK‘ the trustee nztlure of our ltttstnutts. The underlying thought in all invest- ment. 1ml1cy is 111111. within 1111-. limitations 111' the lnsuirzuict- Ari '1 ' 1t. 11111111111 111- the 111111 tn 1 st-cttrtt the largest rr-lttrtt for our ymlit-yltolderu i-omputihli- with tse- Wo lmltcve ctirtty and safely. Hvt-"rpls- front I/t1:tt<ItIt-1-.s:.~1 Atfyrn excuse “m, Al over ti? Bare 110111111118 vice-it 0111111: 11$". crowned ' Life Insurance stands for” gg-gg-g, A A115 sel-lfrhlwnlyfifiwiifi 1""- 11111111 - to ' h‘ b Idm BM “ "'“““ 1"’ " " ate-11t”... ... 0 Ulht» 111v which w. u“ stimsmtiilgiigi. w e "I MW‘ “"11 With gieareartht Am ,- ru this 11151. Battle of 11,, so," - m“ u -—1r1uene¢ 31,, nun or alias ' . c 101101111 Report for the 11.011111 e1 that the investment-l of tho life companiee can stand the cloloet scrutiny. ' ‘A’ ‘A’ i In respect to government regula- tion and supervision, no bunnelo has been or could be lubject to more careful or impartial scrutiny than the lilo business in Canada. 5 -< dude VII-l. L- Ctrade VI-1. Atisiiii. mum The Department of Insurance at and“ v_1- MM‘ Do . Ottawa 1s manned by a utafl‘ 0t‘ mmthtl DQ118165; 3- lllariigh" highly trained, experienced ofli- Grade IV-l. Joyce Jairttnt, Grade III-t. Ltttt. Grade 1r Jr. -1. Grade l- Abectt- 1‘ Highest average 95.6, Lane n, a a . Perfect attendance: abane Douglas, Dorothy Teacher, Faith Arnold __—-____ vials. No department hu been freer of political bins. Thole men have leaned backwards in their 1 independence, and have been utterly fearless in the conscien- tious performance of their duties. The Insurance Act, though passed by Parliament and sponsored by the Minister of Finance, in eflect is largely the creation of- these highly trained, professional ed- visers of the inister, whose concern is the welfare of the policyholders and the reservation of tho good name of t. e business. Nor should we fail to mention the additional supervision provided by tho various provincial and foreign Departments of Insurance, under whose jurisdiction our companies happen to come. Our insurance Elsie C0111 Dftttglttl, Y-Ttnriti- 1111 1111-: 1t She Ielt miuerulilk Group-low in vitality —lower in apiritr. She hadn't lhou|l1l oi her lidneyr. until n friend -_ laws, both federal and provincial, ltllllfht! 9°41“ Kii- ' are as modern as skill, experience M! Plul- A! W" '56 and impartial jud menl; can create ‘Wk blath- “wnlied out" VII soon replaced by elnr hendedenergy lli m . flelllleho, ltlelnehe, luaiiudn and 11h llgnn pt llulty kidney! diuppeued. ||| Budd's Kidney Pills Professionaft3ar1 iti L110 interests 0 the public. "k-Y-i’ Along with thousands of other policyholders in this and other companies, you have a vital stake in everything that: life insurance stands for. Those who are at present advocating the national- ization of‘ the life companies are not, we believe, primarily con- corned with whether the ' 11:1.- well or poorly conducted. If they nro to a s‘ in sociahzin industry, and in expropriating n 1 111011115 of production, they musl- first. have access to the savings of tho peop1e—your bank deposits, your equity in your life insurance | and other savings. The fact that you arc an owner of a life insur- ance tolicy is proof that: you have save-cf and have planned, and that. you lmvc exercised your God-given privilege to safeguard your savings according to your best judgment. Are you willing to jeopardize what you now have for a romissory note in the fantastic belief that the maker of the note is better able to manage your affairs than you are yourself, or that; his professed altruism can take the place of your etilightencd self interest? McLeod {I Bentley W E. BENTLEY. B. C. J. A. BENTLEY. K (l Bnr-rlllen tun-i illtorncyl-lt- law Ill Prince Street 1.’..- .......... .,,__, M. ALBAN 11111111111 B. L. -LI..B. I BARRlSTl-Jll. souu-i-oit. m. Cnnodlnn flank of Common-r ltllg. MONEY T0 LOAN Al [:71 W. MAI HIESUN llonev lo Loin Cnllerllottl BAIIBISTER. SOLICITOR. BTO- Ofllce: 90 Great George Sim! lltvrrell and Gompaif ll. F. ARBIIIBALII Chartered Accountant: President rind Genera! Manager. n! Ihe (illtjd Annual Meeting. FEATURES FROM THE SIXTY-THIRD ANNUAL REPORT ‘So fur as the Company rnntf-ihntt-d greatly to our progress 111111 :1 moderate ratc- 111' expense 1111111 n definite trend towards reduction (lotistant; effort. has been mudo to ket-p our plans of irisuranc up to dale with the result th ‘ ingenuity 11nd experience can insurinipublie. P1110011 is concerned there have been guid success". Our ntTnirs tipinion that our own Company has so justly earned." Premiums Collected Policy Benefits Paid New Business Effected $ 9,361,559 4,802,203 40,835,625 SpecialReserves at our field force |s_1n n position to offer the best; that devise for the ever increasing and complex needs of the 'l'l_1e results of the year are n trlc-ar indication of the increasing confidence 1 y the public in the insurance business, and in n special sense reflect the high Business in Force . Total Assets Held . . . 82, Illlern Tran Bnlldlll (Ihnrlolieiewn ing principles that: have have been managed at I in recent year-l, ai"'='"é" e and annuity contracts Attention Swine Breeders N?‘ 1| 1h, time to 1"" n: l‘. PIGWOBM . . $308,127,791 550. and Surplus 6,654,502 NORTH AMERICAN llFE ASSURANCE COMPANY- HEAD II LAPTHORN 1 mortgage security 011 pltnit nndl equipment as \\'(.‘ll Rs by t.l1e 1.ak-,' 111g up of ordinary 1111211115 111 the tlshln: concerns themselves, are‘ the two means whereby the Gov- ernment pro oses" to make tintin- clnl ald rival able, T111- lntter me- thod fs of particular interest, as lt. ts designed to meet. the problems of the companies during the lean years by tii-ovtdhtg working capital suffistvtnt to carry 111cm without the added interest bur- den. As the Government reserves me right, to sell shares so ac- quired at. par to the fishermen and other workers engaged by the companies. 1t will thus be pos- sible to tzlve the workers them- selves the attdcd incentive of sharln ln the enterprise if they so des re and thereby increase the overall efflctencv of the industry. The Government also proposes to set. up‘ some fifteen modern flsh-,.roeessln twltmts tn different. parts of the Isttnnt, so that the catch can be handled efficiently and expeditiously, and with a minimum of waste. Vessels of the tlratz-zer tyne are also to be pro- vided. on the theory that. if the fishing operations tire tn be suc- 00881111, tho catcher-must IO-flll-El‘ 11.. fish with everythhnr he can lav his hands upon. All these various undertakings designer! to rehabilitate thr- fish- lntr Industry, nre expected to coat, some fifteen mlllloti dollars. four mtlllon of which wttt be provided by the Government thrntigtt n. special development fund. with private enterprise supplying the l rent ' t OFFIOE AND L. S STEVENS District ltlanagcrs, 140 Richmond Street Nor 1101's Newfoundland fntertd to relv 011 efficient. processing nndt modern techniques in getting the 1111-11. 5111- 111111 111-r eye squarely on world markets, and careful study has itlrnncly been given to the must. likely, the ntost. profit- able, 11nd the most readily acces- sible of those markets. Britain - nsherles experts believe --wllt not provide the best tnarkets immedi- ntety fotolwttig the war because of the very extensive supplies 111' 11511 from tlt Not-111 Sea. scarcely touched for the past. flve enrs. It ls the markets of the merlcun UJHuIIOHL tu whfeti the fishing industry of Newfoundland ls look- lng-mnrkets ivlilcti may be made more receptivi- by t-tirt-lttlly pre- pared advertising cnmpatgtis, and which, with the modern re- frigeration facllftlcts 111 retttlt out- let-s and tn the tioine, as welt as tn storage and transnortatfott. could be tnade to provide an al- most unlimited settle for fresh fish as well as for salt flsh pro- ducts Finally, fn order to make that marketing easier, 11nd to rc~ duce costs. the Newfoundland TORONTO . un 5 “in; the most ell" "may on the market- l Mac's no . 1V0" TONIC POWDER M i1 will uisi-oushtv m‘ ,1 tin’ all tribes Olhgia?’ :1“ yqfll‘ “irri- e 35c I!" 1b‘ cfllAli tart-m BBO" AMMONCOMPOUND ., ,, A-rellnhle and 12mm" l" 1 Plflllon lor- lhe tmt-{tfifftfi eoughs and colds- Brbnfllm, relief for chrnnn Price 501-. ner 1101"‘- 0N ' 7- 1100111110 on 11.1111 -.-_-1.1- subsidy schem llifih- ced some time ago, Ottawa. has [titted to lncllcnte even an aware- ness of the problem. This WarQ-four myYears Ago By Tticiofairiiidflan Press FEB. ll, SURE llll ll no we hi"? 1"“ "1 . hell remedies In offer 11"“:- | amt-nits Tflbtfl‘ ‘P’ iiilv elective for taming “flue; flgurlils, f‘ ,1 cullr 232m utxil-“irdl “flttiinf! {tr-gain}, m“ i111‘ 11111-11. m "(if l" . ntmoun rmn defe measures - d l 200. - s.:-...1-t=.fi1:.-°.t:..t.r.....°°t.-:. ftttt 1W0 t" t Re ubtfean Army setmpathlzers u. an“ George 5""- Be fast. Canada's governor-genera , Lox-d Tw ".t' . died at. Mtontrean ___________ Use Minn-d‘: for dandruff I It‘ d (‘ivefl “m” M.“ or mllgjflilflll Pilot tlfficers Uniforms Government proposes to mnterl- ally reduce import tnrlffs on cer- llllll ttetiis and to 111-range for 1m- proved credit terinm- - - - - Newfoundlnndis protzi-nm for her fisheries 1s thuugtit-provuktng, ft maker us ivonder just where the Maritime Provinces will fit, uttletzs this country displays the same, concern and the snme foresight for the future of our flshltig 1n- dustry. That concern 11nd that foresight. except I11 n few tsottitcrt cases. has been noticeably tack- na thur fur. Mill from the And Civilian Clothes That Fit - rt 111 u. t ml mt m to IFitWIrlntllvidfl-‘l "w" 1 ‘ 135K111 Ilium ‘Shifter gilhnanye.“ We can measure :11 ypu ‘or no charger. Ill the M ihli counts l!!!‘ W" .1.' t1. iliict-ittansoit, s. stttt 106 Queen Street ch“|““"°"