davidaulloa/AmericanStories huggingface dataset:
St. Johnsbury Caledonian. [volume] (St. Johnsbury, Vt.) 1867-1919, 1896-01-03


vised check list III votes were cast at
the annual village meeting last Wednes-
day. This is undoubtedly one of the
largest votes ever polled at a village or
town meeting and shows that the voters
are beginning to take an interest in the
management of our village affairs.
The balloting began at 8 o'clock and
proceeded very steadily until O'Clock
when President Johnson turned the box.
Besides the checking of the voters by the
ballot clerks the village clerk also checked
the name OF every voter before he de-
posted his ballot in the box. The ballot
clerks were H. {. Bond, Charles W.
Ruiter, Dennis Z. May and Paul S. Garter.
The only contest was over collector OF
taxes aud the two trustees, Mr.. Pike
and Henry M. Cheney were elected to
succeed themselves and "A. Calderwood
was the other trustee elected. The result
of the vote in detail is as follows
President-P. D. Blodgett, 511 votes
scattering, s.
Clerk-Arthu F. Stone, 563; scatter
ing, 13.
Treasurer-E. D. Blodgett, COZ; scat
tering, 2.
Colector-Avery D. Pike, 425; George
r. Crosby, 319.
Trusl ees-Henry M. Cheney 433; c.
lNniJaruyAnI InE. EI,,oxJ N.-,,
void, 366; George W. Cree, 267.
AudItors-William T. Horton, 40;
John c. Clark, 407 Charles w. Ruiter,
4O2.
Fire Wardens-Cyrus Sargeant, 493
George R. Crosby, 1893; Henry E. Byron,
400; John N. Gale, 1856; W. H. Harris,
400; Henry Ayers, 492; w. N. Randall,
496.
The business of the meeting was taken
up at 2 O'Clock. Article 2 in reference to
raising money for the years expenses
was disposed Of by the adoption of a
resolution introduced by E. D. Blodgett.
This provided for an adjourned meeting
on June 27 at p >m., when the money
could be voted on the new grand list.
Article 3 in reference to using the Aus.
tralian ballot at the next annual meet.
ing was adopted without a dissenting
vote.
Article called for some action on per.
manent improvements on Eastern ave
nue.. On motion Of J. w. Sault it was
voted ~ refer this to the trustees 70 re.
port and recommend at the adjourned
meeting.
Article was the only one debated
This called for action on the matter oil
having specific appropriations tor the
diff rent departments of the village.
p. F. Hazen, chairman OF the board OF
trustees, favored the idea. Judge Ross
said the article should be adopted as a
matter OF principle. He moved the
adoption and the appointment of a COM
mittee to report budget.
John Mcdonald and ]. w. Saut also
favored the adoption ot the resolution.
President Johnson appointed on this
committee John c. Clark, c. w. Ruiter
and P. F. Hazen. Two more names
were added from the house, E. H. Bios
som and l.. d. Hazen.
Judge Bowman moved that the new
board of trustees publish in their next
annual report an estimate of the ex-
penses of each department Tor 1897.
This motion was adopted.
On motion OF Judge Bowman it was
voted to call a special meeting as soon
as the committee had their report ready.
This completed the business OF the meet
ing.
St. Johnsbury Caledonian. [volume] (St. Johnsbury, Vt.) 1867-1919, 1896-01-03

The newly-elected trustees are we'll
known citizens of this village and both
are very familiar with village affairs.
Mr. Cheney has put three hard years
work into his Office and enters upon an
other three years service better equipped
than ever before for good work. Mr.
CaIderwood has always been a close
student of municipal affairs and will
serve the village faithfully. Mr.. Calder
wood served as one of the trustees in
1888.
St. Johnsbury Caledonian. [volume] (St. Johnsbury, Vt.) 1867-1919, 1896-01-03
NEW ADS THIS WEEK.

Rervo Leptine.
Boarders Wanted
Insolvency Notice.
The New York Tribune
100 Dozen-F. o. Clark.
Reputation-J. S. Megs.
Kennedy's Favorite Remedy.
Oil and China Painting-Miss Shaw,
$1,000 Bond-W. w. Sprague, Agent
Accident Insurance-E. NJ. Hill Agent.
New Dinner Sets-Scott & Underwood.
License to sell-H. S. Calderwoods Est
Fur Garments-Lougec Bros. & Smythe.
White Pine Cough Syrup--F. G. Landry.
Restaurant and catering-A. Il. Caskell.
Dissolution Notice-Griswold, Pearl & Co.
Correct Stationery-Boynton & Eastman.
Weather Record.
At Bingham's Drug Store for the week
ending January /, 1896.
highest Lowest
Thursduy....... 4S .,......,....,.... 36
Friday ............ 40 .................... 25
Saturday ........ 33 e. ................. 20
sunday 80 ................... II
M Mondav........." 33 .................. 1S
Iuesdav..."..." so .."..........."... 50
Wednesday ."... 20 .............,.... 25
St. Johnsbury Caledonian. [volume] (St. Johnsbury, Vt.) 1867-1919, 1896-01-03
VILLAGE AFFAIRS.

Big Vote POlIed at the annual Meeting.
Officers Elected and Business Trans
acted.-A Word About the Revised
Check List.-NOtes of the Meeting.
The Scranton tribune. [volume] (Scranton, Pa.) 1891-1910, 1896-12-14
TO MAKE BRICKS
FROM COAL DUST
Philadelphia Capitalists Have Formed
Company for That Purpose.
PLAN THEY PROPOSE TO FOLLOW
The Scheme in General is Not n New
One hut the Process to BE Used is
Different from Any Heretofore
Tried IN This Country. Efforts in
the Past to Make Satisfactory Coal
Dust Bricks for Fuel.

The American Anthracite company Is
the name of a corporation recently or
ganized by a syndicate of Philadelphia
capitalists for the purpose of establish
ing a big coal briquette manufactory
in that city. The company has pur-
chased a ten-acre tract of land on the
east bank of the Schuylkill river in the
Twenty-SiXth ward and work on the
big buildings will be commenced in
two weeks. Several hundred men will
be employed and the factory will have
a capacity of 1900 tons day.
The briquettes will be manufactured
from coal dust. This is not Il new
scheme as our readers well know, but
the process to be used is entirely differ
ent from that employed heretofore. 1t
is a French process. which has been
successfully employed i'm France and
England where the cost of fuel is high
In the new process the coal dust is
treated with certain chemicals, with-
out the use of pitch or resin. which
made the old processes SO objection
able Under knormous pressure the
coal dust is compressed into hard
blocks or cubes in sizes to correspond
with coal from chestnut to egg. 1t is
claimed that the briquettes will develop
heating qualities fully % per cent.
greater than anthracite coal, and the
price will be from 80 to so cents less
per ton. 1t is proposed to take the coal
dust tn the city by rail and the Schuyl-
kill canal.
The Scranton tribune. [volume] (Scranton, Pa.) 1891-1910, 1896-12-14

Services commemorative of the third
anniversary of the dedication of the
present magnificent Elm Park Method
ist church We're held yesterday. 1t
seemed appropriate that Rev. DIR. w.
II. Pearce, the pastor who for five
years preceded the coming of Rev DR..
C. NJ. Gitiin, the present pastor. should
be present and deliver the anniversary
sermon in the morning. He is now of
the Franklin Street church, Wilkes
Barre. Both DIR. Pearce and Dr. Giifin
addressed briefly the large congrega-
tion which in the evening flied every
seat.
The morning audience by it's num-
bers, which filled both the main and
rear audtoriums. and by its plainly
apparent deep interest in his utter
The Scranton tribune. [volume] (Scranton, Pa.) 1891-1910, 1896-12-14
SOCIAL AND PERSONAL
3.6 LACXA WAaNl ave.

Wilkes Barre's 1897 assembly. an an
: nual event similar to Scranton's Bach
elurs ball, will take place ON Thursday
night, December 81, in ConcordiG hall.
The invitations have been issued. Fol-
lowing are the names of the patron-
esses: Mrs John n. Conyngham, Mrs
Andrew +. Derr. Mrs. Alexander Farm
ham. Mrs. IA. II. Harvey. Mrs. Charles
w. Lee. Mrs. i. A. Phelps, Mrs. T.. c.
Scott, Mrs. Anne Lee Wordon. The
committee are: Chester b. Derr. Alex
ander Hodge. Lawrence Il. Jones, Chas.
n. Loveland. George X. Mclean, John
A, Turner.
A needing of the Country clubs
board of governors was held Saturday
afternoon at the lodge. bylaws and
rules We're adopted and action taken
toward charter and incorporation.
There will be nearly 300 charter mem
bers; $50 are now enrolled.
The marriage of Miss Matte w
Marshall and Theodore Sureth, Nj. d.,
will take place at the Church of the
Good Shepherd, Green Ridge, Wednes-
day noon.
An organization of girls. the Five
lSedIeu tlONtT cluD, conducted q falr
Saturday afternoon at the house of
Mrs. John Simpson.
Tuesday evening a meeting of the
New England society will be held to
complete arrangements for the Fore
fathers Day banquet.
Mrs. Fred S. Godfrey will give a
dancing party at the Hotel Jprmyn on
the night of December 81.
The Country clubs first german will
take place tomorrow night at the club
lodge.
PERSONAL MENTION:
ID. w. Powell returned from Harrisburg
Saturday night and sncnt yesterday at his
home on Linden street.
Mrs. Henry W. Preust. has returned to
her home. in Philadelphia, after an cX-
tended visit with her mother. Mrs. Con-
niff of Prospect avenue.
j. r. Beetem eX-general manager of the
scranton Traction company, left for his
home, in Philadelphia, yesterday. after
spending several days in this city
Miss Lizzie Gabriel, a student at the
Nartin Conservatory of Music in Ohio is
spending her holiday vacation with ber
parents, on Church avenue. She was ac-
companied to her home by Miss Anna
Thomas, of Youngstown, who will be her
guest.
The Scranton tribune. [volume] (Scranton, Pa.) 1891-1910, 1896-12-14
SABBATH NEWS NOTES.

The Railroad Young Mems Christian as
sociation will hold its December rally this
evening.
Rev. DR.. J. l.. Kilgore preached the
morning sermon in Trinity United Evan
gelical church.
Rev. Dr. s. c. Logan occupied the pulpit
of Washburn Street Presbyterian church
in the morning.
Pulpits were exchanged in the evening
by Rev. William Edgar. of the Providence
Methodist church. and Rev. n. Matthews.
of the Congregational
AT this mornings meeting of Methodist
pastors in Elm Park church. Rev. DR.. c.
VI. Giffin VIII deliver an address on "The
Damnation of Theron Ware"
y largely attended and very successful
missionary meeting was conducted at the
Young WOmen's Christian associa ton
rooms yesterday afternoon by Mrs Field.
Evening temperance sermons were de-
livered by Rev. DIR. James Mcleod. of the
First Presbyterian church. and Rev. w.
j: Ford, of the Green Ridge Baptist
church.
The Scranton tribune. [volume] (Scranton, Pa.) 1891-1910, 1896-12-14
CHRIST'S LEGACY.

No measure of faith or intensity of con-
secration can unstop deaf ears as Christ
did, and thrill them with bird song and
insect hum and brook murmur. but its
inventive mind and skillful hand can
teach them in the language of signs so
that they hear and speak with their fin
gers and the awful silence of the world l.
forever broken. We 90 a step further in
the comparison and say that the material
miracles wrought by Christ were limited
and could reproduce themselves, The
healed could heal no one else. There Is
not physical miracle that Christ
wrought. as far as We can judge. that has
come down to this day, but work splr-
itualy wrought, perpetuates itself In IN,
finite circles of blessings, leaves behind
it visible memorials of power ana goes
pusinS across the eternities of God.
In illustration of this thought, John
Wesleys' mother, when he was a mere
boy, taught him the way of salvation.
ana infused in his young heart a burning
desire to save others and having cultured
himself AZ the greatest of universities
and having received the baptism OF the
Holy Spirit he went forth like raminS
torch scattering the rays of divine light
through the spiritually dead hemispheres
The Scranton tribune. [volume] (Scranton, Pa.) 1891-1910, 1896-12-14
PLAN OF OPERATION.

The plan is to screen the culm from
the banks that are scattered all over
the anthracite region and take out the
pea buckwheat and other sizes, ship
ping only the dust to Philadelphia. The
new briquettes are claimed to be supe-
riur To those made few years ago be-
cause the latter were "ery sOOty. dried
out rapidly ana became unfit for use
as Il heat producer
The scheme looks very plausible on
the surface, but there are some things
that have not been taken into con-
sideration by the Philadelphia capital
lists, owing no doubt to the fact that
they have formed their plans 100 miles
from the nearest culm bank and have
not taken the trouble to visit the foun-
tain head of their proposed supply OF
new material, says Il POttsville eX-
change.
The fact is that nearly every culm
bank that is worth working is llanked
with washer or Is being reserved
for that purpose by the operators of
the colliery from which the dirt is
taken. These washeries, as their name
implies, wash the coal and the dust il
carried away into our creeks and
streams in The shape of liquid black
huu. IL - question II experiments
now being made for separating the coal
from the culm without water, will leave
the dust i'm Il marketable state. II Is
also questionable whether the freight
rates for carrying the dust to market
and the cost of the dust itself will not
be placed at such a figure as to make
the. manufacture Of briquettes too cost
ly to compete with the genuine black
diamond. 1t is not likely that the oper-
ators will want to lend hand in plac-
ing on the market what the syndicate
claims will be a formidable rival tu
their own product. New coal washer
les are being erected right along and
these are proving great source of
profit to the owners of the banks
The Scranton tribune. [volume] (Scranton, Pa.) 1891-1910, 1896-12-14

But If we will look at some of the pro-
ducts of faith in Christ. We will readily
see the reasonableness of this expression.
We admit that no amount of faith in
Christ. or personal conservation to His
service. although 1t be well night seraphic
can SO empower men as that they can
touch blind eyes into seeing and pour into
them the enrapturing beauties of the outer
world. as Christ did. But 1t can lay hold
of stone and wood and iron. of the mate
rial universe, and build them into asy-
lums and infirmarieS and institutions of
marvellous tenderness, into which can be
gathered the sightless by the thousands,
and so carefully teach them that each
finger tip becomes a clear sighted eyeball
and all the blind may see out of their
blindness.
The Scranton tribune. [volume] (Scranton, Pa.) 1891-1910, 1896-12-14

about the size and shape of an egg.
Then when Austin Corbin was presi-
dent of the Reading companies he be-
came interested in the problem of the
utilization Of culm.
A briquette factory was established
at MahGnOy City. 1t did not prove
any more of success than the Port
Richmond plant. But this vas some
years before the coal washery solved
the problem of winning the smaller
sizes of coal from the culm banks.
The Scranton tribune. [volume] (Scranton, Pa.) 1891-1910, 1896-12-14
OPENED SATURDAY MORNING,
The Great Sale Of the Manhattan
Clothing Co., 222 Lackawannn Ave.

1t required the services of an army of
statesmen to wait upon the large crowd
that thrOnged the store room. 222 Lack
awanna avenue on Saturday. 1t was
the opening Of the great Manhattan
Clothing Company's sale of Morris j
Davidow's stock of high grade clothing
for men, young men, boys. youths and
children's wear, furnishing goods, hats,
boots, shoes, etc.
The prices We're marked way down
and every purchaser left the store in
the happiest mood as they were con-
scious of the fact that they secured a
big bargain. The sale will continue
until the entire stock is sold.
The Scranton tribune. [volume] (Scranton, Pa.) 1891-1910, 1896-12-14
EYES
EXAMINED FREE,

You can save money by buying specta-
cles of Silverstone. the eye specialist. at
309 Lackawanna avenue, onely one flight
over the Lehigh Valley ticket office. The
following prices will satisfy you that they
are the cheapest in the city: Solid gold
trimmed spectacles at $3.50 per pair; filled
bows at SO: nickle bows from soc. to 81 so;
aluminium bows from 75c. to 81 90; colored
glasses from CSC to $l.25. We have a large
line Of reading glasses. the best In the
market, at 25c per pair. Opera and mag
nifying glasses at reduced prices. Of
flee hours. a. m. to l2m.; 1 to p. m
Remember that your eyes will be exam.
ined free and satisfaction is guaranteed.
The Scranton tribune. [volume] (Scranton, Pa.) 1891-1910, 1896-12-14
ELM PARK CHURCH'S
ANNIVERSARY DAY
Present Handsome Edifice Was Dedi.
Gated Three Years Ago.
SERMON BY REV. DR.. W. II. PEARCE

lie Was n Recent Pastor and Was
Pleasantly introduced by Rev. DIR.
e. NJ. Giiiin .. Sermon an Argu.
mcnt That Mans Field for Mirac.
dress by Each Divine in the Even.
The Scranton tribune. [volume] (Scranton, Pa.) 1891-1910, 1896-12-14

Mining. mechanical and electrical
books, surveying and drawing instru-
ments: rules. mechanical tools, foun-
tain pens, etc, etc. Technical Supply
Co., No. 222 Adams avenue, opposite
Court House. -
The Scranton tribune. [volume] (Scranton, Pa.) 1891-1910, 1896-12-14
misunderstanding

The buying itself is peasureif properly DONE It's the
minute shopper who complains of the crowd
ing Nearly fifty clerks to attend to your wants here yet often
all busy. Those who in the mornings get
attention Best bargains since takes time select we'll
With store filled with goods the few talk about but
to show the saving Your Chrstmas money will 90
farthest here
The Scranton tribune. [volume] (Scranton, Pa.) 1891-1910, 1896-12-14
EFFORTS OF THE PAST.

The history of the coal substitute is
interesting. In 1882 Il plant was in
operation at Port Richmond, Philadel-
phia The coal dirt was mixed with tar
Or rosin and compressed into Jumps
The Scranton tribune. [volume] (Scranton, Pa.) 1891-1910, 1896-12-14

land, Ireland and America into pehte-
costal glow, ehlisting IN great crus"ie
oi righteousness, thousahuS anu tens VI
thousands OF all kind oi men anu Wohit', ,
from novels and palaces, from slums anu
universities, and set in motion tram OF
holy influences that are betting the evan
selical churches Of today with iisht ana
power, ana cheering them WIN the as
surance that the world $ Sorrowlui dirSe
Will some day end In the sonsiul march
of redeemed empires. Mrs. wesley, ny
her prayers and words or COUNSEL ana
beautiful living disenthralled the spirit
OF her boy, ana he IN turn ulsenthraliet'
tens of thousands enriching and embel,
fishing them. with all spiritual sraces ana
sending them in mighty regiments to 90
likewise, until time shall be no more.
MORRlSON Us EXAMPLE,.
Sunday scboo, worLsr IN, ,.,der an
,,, h,';s,, ,,, ~ ~, in', Ip
class. taught nm the lessons or purify,
tme wa! oi SaiNat'o. anu sp Srinpic .rus' lii
r'H, @ ST. ., i. S''" S,e, WuS as " ,i; nn,s .nI
compeers of itr oh. no thai bow became
the great. scholarly. consecrated Morrison
who translated the Bible into the Chinese
language and by which the rays of the
Gospel OF the Son OF God were poured into
that darkehed empire, ana the way made
POSSIBLE Dy Wnicn ina, great nation Is
t"unrT nrir,sSn caivarr "'' T,s uS, oe
how Christian work renroduces itself and
widens the sweep of its Transforming now
er until it enswathes an innumerable com
pany of redeemed souls and gladdens all
the ages of eternity with its thrilling
songs.
~ !ou anu ! tan ofeItake wahuerins
con start thnm ha,wonWard ~ thor,,rhi, :,
renewed in every faculty and feeling OF
nnrnoses in life. If w. can .vnai frnn, :, n .
soul the demon of despair. inspire il with
heroic fortitude and float over it the fore
tastes of the pleasures that are forever
more we Will have wrought the grandest
anu most enduring work known to human
"a,;bs Whan anu W., ntua I'll, w. on ,,;,, , $3.50,
work On that wbi,h t. ,';, ~ Nv, am Iou,' w
Himself. we work on co,nrs as , Ias,;no H. ~, o
eternity, colors that will brighten as the
ages go by.
o,,,, ooo
~, 'Yo H''ioiaIs anu teacners greet
49,, L, ii' eatse ht iHa cappath school
arsnioii, n,, pesl''nins at CLOCK lie ad-
ui ;voHeu .iie,ii nrie''!. Durins the exer-
'iSeS A'ss van pefNoort, the contralto
1Ia ~ VI ''e tn',T'n, sang Inc nan
ei Irsen ioiu'
III .ne e,ei,hS Dr. fearce reviewed
.ne tiia,s anu struggles ot Elm Park
,.I nuI'n. MnlcI hau' throuSh Gods help'
cen .n suii,louilteu, win the result that
@ wv ',uiIn s. was III us present strength
anu husn ol prosperity. It's accom-
The Scranton tribune. [volume] (Scranton, Pa.) 1891-1910, 1896-12-14

Choice cut flowers and tower de-
signs at Palmer & McDonalds. 544
Spruce. -
The Scranton tribune. [volume] (Scranton, Pa.) 1891-1910, 1896-12-14

Bring your card plate to The Tribune
for printing.
The Scranton tribune. [volume] (Scranton, Pa.) 1891-1910, 1896-12-14

Norton's
Holiday Display
Is now ready
for inspection,
Call to see it and bring
the Children along.
Three floors, 100 by Is feet
for showing the goods
Miscellaneous Rocks,
Fancy Stationery,
Games, Toys, Desks,
Express Wagons, Rocking Horses,
Sleds, NelOcipcdes. etc, ETC.,
saa Lackawanna Ave
The Scranton tribune. [volume] (Scranton, Pa.) 1891-1910, 1896-12-14

never fOrsaken the old love. It
has grown and prospered until
what on our books is only Depart
ment F means Scranton's foremost
watch sellers. The growth brings
better buying, which we are prompt
to share with you. Three tastes of
The Scranton tribune. [volume] (Scranton, Pa.) 1891-1910, 1896-12-14

Dinner Haviland china dinner
Sets sets. Three specials
for this weeks buying.
IoI piece sets of the worlds best
china maker. Sets worth $500
to $4,000. Price for this week
$500, $500 and $4,000 no
higher.
The River Falls times. [volume] (River Falls, Pierce County, Wis.) 1894-1933, 1896-07-07
From the Ellsworth Herald.

Edward Moran Jr. and Michael
Hurley, both of Ell Paso, were
arrested early on Tuesday morn
ing by Sheriff Nelson and Deputy
Robson on complaint of Tollof
Nyhagen, charged with stealing
four head of cattle from the pas
ture of Harper Nelson, and brought
to Ellsworth aud taken before
Justice Bateman. Both PLEAD not
guilty. The examination was
postponed until August Goth, both
giving bail in the sum of 500
each.
The River Falls times. [volume] (River Falls, Pierce County, Wis.) 1894-1933, 1896-07-07

Addie Haling returned Monday
from a two weeks visit in Oliyet.
The River Falls times. [volume] (River Falls, Pierce County, Wis.) 1894-1933, 1896-07-07
Notice to Builders

The Board of Trustees of the
M. b. Church of this City of River
Falls, will receive proposals for
the erection of new church edi-
fee at said city until Thursday
evening, July 10Th. 1896, at seven
o'clock.
Bids will be received for the
building complete, the contractor
to furnish all material and labor.
Or bids will be received for
excavating, putting in foundation
and for superstrncture separately.
Bidders not known to the Board
will furnish satisfactory reference.
Plans and specifications can be
seen at the office of Allen P. Weld,
Esq, at River Falls.
The right to reject any or all
bids is reserved.
Proposals to he enclosed in a
sealed envelope marked proposals
for Church edifice and to be deliver
ed to the undersigned on or before
said date.
GEORGE w. CHINOOK
President Board Of Trustees.
The River Falls times. [volume] (River Falls, Pierce County, Wis.) 1894-1933, 1896-07-07
Madison, Wis.
June 27, 1896.
Ny Dear Sir:


NV Dear Sir:
Two years ago, through
the kin dness and favor of my friends,
I received the nomination ard was
elect ed the Commissioners of Insurance
of this State: since then, have
earnestly labored to merit the esteem
and confidence of the people by faith
full discharge of the duties of the
office and | now present myself to
you as a candidate for denomination.
Ihave none but words of praise for
the gentlemen who have announced
themselves as candidates for the
office of Governor. deem it proper,
however, to express my belief that it
is highly improbable that the State
Convention will select two candidates
on the State Ticket from the City of
Milwaukee and | therefore present
this matter fairly to my friends and
say to them, that if in the admins
tration of the insurance department
1 have met their expectations, /
should esteem it an honor to secure
an Ell d orsement by a denomination.
Approaching fully the advantages
OF your help in this contest, permit
me to ask, whether | can rely upon
your assistance in securing dele
Oatioo to tho State CAnvan tiOn favor
able to my denomination?
Very Truly Yours
WILLIAM A. FRICKE
Commissioner of Insurance.