davidaulloa/AmericanStories huggingface dataset:
The Laurens advertiser. (Laurens, S.C.) 1885-1973, 1897-06-08
LOCAL

Ianr1 ''osing ehter'a'hnneht OF me
~ ochoo'' taugh' Dy rev. T..
day night. The proorammo con
sisting OF dialogues. recitations and
determinations, as carried out bv the
school showed that there is n great
deal Of talent among the pupils,
After the exercises conducted by
the school were hnishud, Rev. J. u.
n.t;nS ,nL ir.,.,r,n,i nJ'S in'ei-
UCranTym Thntnnnho %Iu,'sa w
.onn n,ns;,a " '"en "nau"
crosse OF MS remarks, the audience
wa" ulsilii9sc" WIN prayer by Rev.
"'D' iiamm"t''
Tho Ir,i,n NJ ,o,i, ar, ~
tfict was holI win the Lan!ord
nuP,i9t NhuFch 'aS' saturday and
sunday. livery "he Is loud in
Pia'"ihE inc meeting. 1t seems to
j. IL. Barnett, Rev. j. ~. Littlciobn.
Rev. J. a. Martin, NJ. d., Rev, w.
III. Butts, and quite a number of
laymCn took part in the discus
siOns.
a sweet little girl has been added
|" the family or j. j.. M. Osborne.
We miss Miss EtoIi, 1.ooror1
very much IN u noighbOrhood.
The Laurens advertiser. (Laurens, S.C.) 1885-1973, 1897-06-08
SULPHER SPRINGS.

We are needing rain at this writ
ing as some people have not yet
got a stand of cotton and spring
oats are failing very fast.
Corn and cotton crops are looking
very promising at present and with
plenty of rain we will have an
abundance Of home raised corn as
the acreage is very large.
The health Of the community is
very good at this writing.
We were favored with a visit
last week by Mr.. j. Frank Smith,
of Beaverton, S. &. Mr.. Smith we
ale sorry to say is not enjoying his
usual good health.
Capt. John Nj. Hudgens was in
our town last week surveying some
land for your townsman, Mr.. w.
l.. Gray.
Mr.. 6. w. L. league has the
best field Of oats we have seen.
We think we would be safe in
saying that MIR. A. ID. Davis has
the finest garden in the county,
Asberry is IL of our best farmers
and is always in the lead.
Mr.. N. p. Hellams and family
visited J. *. Mcpherson last Sun
day.
Our champion fisher has quit
fishing. He says he has found an
other and if rumor is worth any,
thing we will report a wedding
some time soon. Remember us,
Billy.
Mr.. J. NJ. VIM is helping his
brother, Edwin, build a bridge
acros Cane Creek near Harris
Springs, the latter being the con
tractor.
Mr.. j. S. Saxon and wife with
their little grand daughter visited
friends and relatives at Tip Top
last Saturday.
J. w. E.
The Laurens advertiser. (Laurens, S.C.) 1885-1973, 1897-06-08
MORE
J.. w. E.

Curative power is contained in
Hoods Sarsaparilla thanin any 9TH
er similar preparation. 1t costs the
proprietor and manufacturer more.
1t costs the jobbcr more and it is
worth more to the consumer. More
skill is required in its preparation
and it combines more remedial
qualities than any other medicine.
Consequently it has a record Of
more cures and its sales are more
than those of any other prepare
ton. Hoods Sarsaparilla is the best
medicine to buy because it is an
honest medicine and thousands Of
testimonials prove that it does act
ually and permanently cure dis
ease.
The Laurens advertiser. (Laurens, S.C.) 1885-1973, 1897-06-08
List of Letters

Remaining in the Post ONCE at Lau-
rens, 5. G., unclaimed, for the week
ending Juno I, 1897:
B-Burnos, Henry; Brown, Mrs.
C-CoN, j j..
E-Evans, William.
F-FOwlcr, M w.
John T..
J--Joncs, W A; Johnston, jim;
Jones, Mr.. and Mrs. Fl II.
L-.Langston, Mrs. Victoria; Lanas-
ton, Mrs. Il.
M-Martin, Mrs. Agnie; Moxwcll, j
l..
S-Stevens, Capt, iBrick yard boss;
smith, Miss Mary; Stompson, Miss
Sarah; Senseman, w 0; Shell, Miss T.
o., Summers, Albert; Shillingham,
John.
T-Tatum, w O..
W--Williams, N G.; Watford, l. B.
Persons calling for any Of above let
tiers will please say, "They are advor-
tlsci." T.B. CREws, Z. M.
The Laurens advertiser. (Laurens, S.C.) 1885-1973, 1897-06-08
NOTICE OF
NEW COUNTY.
OUT OF Portions OF LAURENs
ABBEVILLE, ANDERSON AND
GREENvILLE COUNTIES
For 26th of June, 1897.

BY ORDER of his Excellency, the
Governor of the State of South Carolina,
VIM. II. Ellerbe, issued June 1st, 1897:
SEC. 1. An Election is ordered to be
held in certain parts of Laurens, Abbe-
vile, Anderson and Greenville Coun-
ties on the goth of June, 1897, on the
questions of a new county to be formed
within said limits, and upon the name
and county seat of said new county
now pursuant to said order, upon said
questions, an election will be held with
in the area proposed for said new conn
ty at the precincts hereinafter named in
the County OF Laurens on the said 2G,h
of June, 1897, upon the questions of
"Yes' or "No," as to said now county,
the name OF said county and the county
seat, to be conducted by managers here
matter named at precincts within The
me area OF said new county proposed to
be taken from Laurens County.
SEC. 2. A Box will be provided for
each precinct labelled New County"
".GGes or No. name Of County"
voted Of plain white paper, two and n
half inches wide, by five inches long,
written or printed, or partly written
and partly printed, in black ink, and so
folded as to conceal the writing thereon,
and said election shall be conducted in
all respects as general elections in this
State. Qualified electors of Laurens
County within the area proposed to be
cut off from Laurens County are en-.
titled to vote.
Immediately after the closing OF the
polls the managers ahall proceed pub.
licIy to open the ballot box and count
the ballots, and continue t, c:nc'usion
without adjournment; make tabulated
statement of the result OF tho vote at
each precinct, and sign the same accord
ing TO the nature of said election.
Within three days thereafter tie
Chairman Of the Board OF Managers or
one Of them authorized In writing by
b Board shall deliver to the Commits
aioners OF election at Laurens @. ri. the
poll list, the boxes containing the bal
lots, and a written statement Of the re-
suit OF the election in his precinct.
Managers for Tumbling Shoals-W.
II. Bagwell, w. w. Reeves, I'll. l.. Ma.
chen.
Brewerton-~G. p. Smith, j. w. B.ck :,
n. b. Woods.
Daniels Store--J. @. Martin, ID. l..
Henderson, j. w. Cooper, jr.
Polls will be open at z a. m. and close
az p. m. one OF the Managers will be
designated as Chairman, and will meet
the Commissioners at Laurens g. III. at
I'D O'Clock a. m. June 10th to take the
oath OF Office, receive the boxes and in
structions for conducting the election.
II. b. LOCKWOOD,
j ANDY JONES,
81 w. B, FULLER,
Com, nissionefe Of Issurens County
iItectfous
The Laurens advertiser. (Laurens, S.C.) 1885-1973, 1897-06-08

For more than a hundred years
the Shakers have been studying the
the remedial properties of plants.
They have made many discoveries,
but their greatest achievement was
made last year. 1t is a cordial that
contains already digested TODD and
is a digcster of food. 1t is effective
in removing distress after eating,
and creates an appetite for more
food, SO that eating becomes a
pleasure. Pale, thin people be.
come plump and healthy under its
use. 1t arrests the wasting Of con-
sumption.
There never has been such a sep
forward in the cure Of Indigestion
as this Shaker Cordial. Your drug
gists will be glad to give you a lit
tie book descriptive OF the product.
The Laurens advertiser. (Laurens, S.C.) 1885-1973, 1897-06-08
Constantly
Pushing Ahead.

L on
know our clothing. You'll be
surprised when we tell you that
were going to sell even better
clothing this year than we did
last year. You didn't think it
was possible. But it is. We're
constantly looking out for a pos
sible improvement. Our prices
are lower than ever. Just come
and see for your self.
DAVIS, ROPER & CO..
Laurcns, S. G..
The Laurens advertiser. (Laurens, S.C.) 1885-1973, 1897-06-08
Notice!

The regular Examination of applicants
Tor teachers county certificates will be
held at Laurens On Friday and Saturday
25th and Goth Of June, beginning at nine
O'Clock "A. M. Let all who are interest
ed take notice and govern themselves
accordingly.
BY order Of State Board.
l.. TIL. DANIEL,
superintendent of Education.
June 3, l897-33-.3t
The Laurens advertiser. (Laurens, S.C.) 1885-1973, 1897-06-08
NOTICE
People Of Laurens!

nave opened up a large Harness
and SaddJcry business in the in tn,
Storcroom next to j. III. S~ullivan's
on Main Street. | manufacture all
OF my Harness and sell them
cheaper than you can buy this
>hoddy Northern harness which IS
pvt up by i Us and girls that have
no knowledge Of the business. I
have been working at the business
Tor 20 years, and can make any
kind Of Harness from $2.5o up TO
10000. work from three t. five
harncss.makcrs all the time, and
can make anything you want that |
nave not got i'll stock, but | always
keep a large stock of everything in
my line on hand. | sell one grade
OF harness at 800 complete, that
1T you a buy elsewhere in Lau-
rens for the same moncy | will
make anyone thai does it a present
ot a set. ] sell all of my goods ON
twelve months guarantee if my.
thing gives away / will fix it for
nothing. | also do all kind of re-
pairlng at reasonable prices. Call
and get prices and examine my
stock of goods.
| nave q trace attachment that | gtsc
away with every set OF harness that t.
worm In many cases from 500 to 500.
~ Is patient fastener to keep tho tra
rom slipping on Of the 5inglctr
! GU can, buy them from any one h.,
me as have the right for thi, county.
sell them at ID cents II pair or , pair-
for % cents.
%b Highest prices paid for Hides.
Ihe Lanrcns Harness co.,
b. b HUGGIN, Proprietor
The Laurens advertiser. (Laurens, S.C.) 1885-1973, 1897-06-08

We bog to remind the public that
we are rcplenishing u stock Of Cloth
ing, Shoes, Etc, and offer special in
ducements to cash buyers. We have
some big drives that we want to show
you.
j. II. Mintcr {; Son.
headquarters for lowest prices and
best styles in Clothing, Shoes and
Hats.
The Laurens advertiser. (Laurens, S.C.) 1885-1973, 1897-06-08
A Young Girls Trouble.

MY ID years old daughter had a
skin disease which was said to be
eczema. She kept growing worse
and we decided to give her Hoods
Sarsaparilla. Before she had fin
ished her first bottle her skin be-
gan to look better and she con.
tlnued taking Hoods Sarsaparilla
until she was entirely cured. d.
RAMSEY, Camilla, Georgia.
Hoods Pills cure nausea, sick
headache, indigestion and bilious
ness.
The Laurens advertiser. (Laurens, S.C.) 1885-1973, 1897-06-08
ScrofuIaSores
heaIth Was Greatly impaired, But
Hoods SarsaparilIa Built 1t Up
Sores Aavc All nicanpaarod

SN'N
&Sores Have All Disappeared.
"1 was troubled with eruptions on my
face, which appeared like scrofula. NV
health was so much impaired that 1 was
advised to tax Hoods S%arsaparilla to
build me up, and l bought six bottles.
Before l j had taken half OF this amount 1
foup& that l was improving. could rest
better at night, and felt refreshed in the
morning. l gained in flesh n when 1
~hadhnished tho six bottles tho sores on
my face had all disappeared" ]. b. Bop
DIE, Postmaster, Nashville, No. Carolina.
"Aftor suffering from n soro Lex Tor u
years, four bottles OF Hoods SarsaparilIa
made a complete cure. 1t is several years
since l took Hoods Sarsaparilla, but l
have not suffered with any soro or erysip-
elias in that time" Mrs. M. j. HARTLEY.
Lo{et georgia. Remember
Hoods ~SarsapariHa
Is the Best the One True Blood Purifier. Be
sure to get Hoods and only Hoods.
The Laurens advertiser. (Laurens, S.C.) 1885-1973, 1897-06-08
ELECTION NOTICE,

An election is hereby ordered to be
hcld IN The several School Districts of
Laurens County on Tuesday, the Goth
of June for three Trustees i'm each Dis
trict.
Polls to be opened at one O'Clock p.
nj. and closed at 5.
The present Boards Of Trustees are
hereby appointed managers to conduct
said Election, declare the result and
report to this office by Saturday, July
3rd and those elected will please meet
the County Board of Education at Lau-
rens, @. Ill on Tuesday, the 9th day of
July next to receive commissions, etc.
l.. II. III DANIEL,
Supt. %Educatian, l.. G.
June 18th, 1897 stiffness.
The Laurens advertiser. (Laurens, S.C.) 1885-1973, 1897-06-08
Notice to Teachers,

The terchcrs Of the public schools
are hereby requested to Immediately
furnish their District Trustees with q
list OF all the pupils that have attend
ed their schools during the term now
expiring, giving names Of pupils. their
residence, that is, the District in which
they reside, and the number OF days
each has attended school, in accor-
dance with Section IL of School Law.
Said lists to be certified to County
Board OF Edu' a.ion by the Trustees.
L.. u. Ell. DANIEL,
County Supt. OF Education. =
Nay 18th, l897-3t.
The Laurens advertiser. (Laurens, S.C.) 1885-1973, 1897-06-08
Ellerbe's

The Metropolitan Police, the Agri-
cultural Hall, the Blue Ridge Scrip
and the Dispensary imbrogl6. He has
the sympathy of the country in his
tribulations. There is but one way
TO take a b~attery-go right for it.
The Laurens advertiser. (Laurens, S.C.) 1885-1973, 1897-06-08

When Baby was sick, wo gave her Castorla.
When she was a Child, she cried for Castoria.
When sho became Miss, she chung to Castoria.
When she had Children, she gave them Castoria
The Laurens advertiser. (Laurens, S.C.) 1885-1973, 1897-06-08

Give the babies LAXOL, which
is Castor Oil made as palatablc as
honey.
The Laurens advertiser. (Laurens, S.C.) 1885-1973, 1897-06-08
NOTICE.

Partie, having business with the
Coroner Please telegraph or phone to
Ball 81 Sh1kins, Laurens, who will
communicatN with the undersigned at
Ora, s.. O.
M. IL. FERGUSON,
Coroner, i. g.
The Laurens advertiser. (Laurens, S.C.) 1885-1973, 1897-06-08
Notice!

| will let to the lowest bidder ON
Thursday, June the 10th, 1897, tho
bridge across Rabun Greek al Babb's
Mill for repair.
JAMES DOWNEY,
County Supervisor.
lay IL, 1S97--4t
The Laurens advertiser. (Laurens, S.C.) 1885-1973, 1897-06-08
Augean Stables,

Sam Jones locates Hades lust a half
mile from the LOCUS QUO" the place
no happens to stand at a given mo-
mont. Governor Tillman has re located
the "Augean Stables" and is engaged
in purging tho United States Senate.
The Laurens advertiser. (Laurens, S.C.) 1885-1973, 1897-06-08

"A Court of Inquiry has been APP
pointed by the Governor to investigate
Gen. Watts connection with the affair
OF the Columbia militia and Gen.
Watts. Senator sc. Mayiicld, Judge
Advocate General, Gen. Stoppelbcin,
Capt. Thompson, and Col. Wardlaw,
constitute the Court. Watts is a
constitutional officer, Il State officer,
elected by the people, and we doubt if
he is a part of the militia and that the
Governor could appoint the Court for
that purpose. The Governor should be
supplied with an Attorney General,
who should have an assistant.
~"
me freeman proposes the establish
mcnt OF a permanent "C0urt of Invcs-
tlgation" in South Carolina.-Sumter
Freeman.
But get your Judges, rom Alaska,
brother.
The Laurens advertiser. (Laurens, S.C.) 1885-1973, 1897-06-08

The young m~arriagable women of
New Jersey State are up In arms
against a law, the Lloyd law, which
seeks to prevent them from rushing
hastily into the arms of their sweet
hearts. The law provides Eve days no.
tice OF an intended marriage before a
license a be had. The jersey girls
should consult the South Carolina
laws, where all the form necessary to
clinch the bargain is to Jump q broom
and agree to be ma and wife.
*x*
Senator Tillman is asking Congr. SO
to help In the ~dispensary matter. He
might as well appeal to Hercules, to
the waves, to the winds, to the ghost
of Caesar.
wv
BIS careful Before we know 1t, our
jatls Will be spll OF people, who With
snderstaBding the MISTER have
suaksQ liax Wstk whiskey.
Freeland tribune. (Freeland, Pa.) 1888-1921, 1897-12-13
The CaIse would Do Il.

You seem 10 be enjoying the cake
this evening, James," said the young
wife, watching the disappearance of
that luxury with u look of the greatest
satisfaction:
"Er--yes,' was the rather confused
reply of the devoted husband.
Don't curb your appetite on my ac-
count; shall not think you are greedy,
dear"
Il am going to eat as much as | cam"
mumbed James.
Il am so glad you like it. Twas afraid
that was not making my cakes to your
liking; you have always eaten so little
of them on previous occasions"
This one is just what want to-day"
jerked out the husband.
Then she was very, very happy-until
she discovered that he had wagered
Brown that he was the heavier, and was
eating as much of her cake as possible
SO that he should win the bet which was
TO be decided that evening.--Pearson'
Weekly.
Freeland tribune. (Freeland, Pa.) 1888-1921, 1897-12-13

tran 1t and increasing the fear of the
horses by its discharge; but the police
man, recognizing his own inferority in
strength, with jerk of his wrist threw
the weapon out from him. 1t fell on the
stone pavement, and another explosion
added to the insanity of the horses.
They flew through the town and
struck the country road which leads to
the fort on the heights four miles away.
The danger of a broad, clear midnight
street was many times multiplied on
the narrow dirt road cut by gullies and
broken by ridges, but all the danger
seemed insufficient to cool the ardor of
the battling men in the blue wagon.
Ormsby heard the hollow sound of their
passage over wooden bridges, and felt
the careening of the big vehicle as it
crashed from side to side; momentarily
he caught dizzy glimpses of night
lamps in the outlying houses which
shot past them as they progressed; he
heard the yelping of the dogs, which,
reused from contemplation of the
moon, tailed behind the wagon, bark
ing new frenzy into the unwearied
horses. He heard the challenge of the
sentry at the gate of the fort, and al
most before the hail was uttered the
wagon with its attendant clamor was
inside the lines of the garrison, and
was over a ditch and across a sidewalk
and out into the parade ground, and,
crashing against tree, was shattered
and overturned and loosed from the
trappings of the horses, which, with
4 last bombardment of kicking at
space, broke away and disappeared
Gown Officers row, changing and clat-
tering as the singletrees and the at
tachcd fragments of the vehicle struck
the flagstones.
Ormsby and his herculean prisoner
were thrown out by indescribable twin
somersaults, remaining strangely close
together through it all. The officer of
the guard came rushing, and found
them CORY and tattercd where they had
fallen, the big man unconscious from
the concussion and Ormsby grinning
weakly through blood us the lamplight
fell on him.
"What's this?" said the military man,
after the policeman had briefly told of
the adventure. you're handcuffed."
YES" said Ormsby. "You see, was
afraid he might get a gun to my head
and make me let him go, and to be sure
that he couldn't get away, no matter
how he licked me, snapped the irons
on him and me when | saw he was doing
me. But in the hurry / got his left
Freeland tribune. (Freeland, Pa.) 1888-1921, 1897-12-13
GOSSIP OF THE STAGE.

DeWof Hopper has accepted a new
opera. THE Char,atan," with which he
will open next season.
Adele Ritchie will follow up the sue
cess she has made in London as a com
ic-opera singer in The Wizard of the
Nile" by proceeding to Paris. where she
will study for an operate career.
Countess Magri (Alrs. Tom Thumbl
attended food show in Boston recent
ly and gave a demonstration of cooking,
which was attended by an enthusiastic
crowd anxious 10 see this tiny person
age handle pans and kettles.
Rose Coghlan will probably play the
leading character in the melodrama
THE White Heather" to be produced
Thanksgiving week in New York. She
will return, however, to THE Sporting
Duchess" for its engagement in Chica-
go in January.
An old French actress, Mile. Rous-
sell, is about to begin a tour through
Italy in the play of judith" written
by herself. She was already well
known in 1861 and was considered the
best Chimene who ever played the part
at the Comedie Franchise, and for
which she was allowed a pension of
$4,000 year. She now renounces that
pension in order to return to the stage,
She is announced to make her first re.
appearance in Florence.
Freeland tribune. (Freeland, Pa.) 1888-1921, 1897-12-13

hand locked to my right, and he kept
right on putting up too much fight for
me. Still, it didn't worry me much, for
| knew that even if l was killed he
couldn't get away. l threw the keys
away with my gun"
The officer of the guard, who was
captain and who had been through
nearly 30 years of fighting, looked adj
miringly at the little scrub of IA police
tuan.
Would you mind" ventured Ormsby
"letting Inc put this fellow in your
guardhouse till our chief comes out to
get us? I'll have to go with him on
account of the cuffs"
"You won't as long as there's black
smiths tool in this post" said the
military man. And although the hos
pital was convenient he insisted that
Ormsby be carried to his own quarters
for stitching, bandaging and tying up.
Chicago Record
Freeland tribune. (Freeland, Pa.) 1888-1921, 1897-12-13
nay BOYS WHISTLE.

You may talk of the pleasure that opera
makes,
And the thrills so ecstatic It grandly
awakes,
But there is no music to give me a joy
Like the light-hearted whistle of my bonnie
boy.
1t isn't tune, but tumble galore
OF all the notes in the musical score,
And while to another it's nothing but
noise,
To me it conveys a hearts volume of joys
Many times in the day am straining my
ear
AT the door or the window that whistle to
hear,
And when from the distance comes float
ing the sound,
1 know that my boy on his homeway is
bound.
It tells me he's well long before he's in
1t says he is happy with childhood's de-
Then, as it grows louder and nearer. l see
My bonnie brave boy wave a welcome to
me.
When he whistles while marching so gayly
from school
know he has missed neither lesson nor
rule,
anu NlltL llO MS pltiy COlllCS
along,
l am sure not thing he has done that is
wrong.
Whenever that blithe, merry whistle is still
| know that my darling is certainly i'll,
And none but d mothers so joyful as when
His lips sweetly pucker 10 whistle again.
Some day when the cares of the world he
must share,
NVbprl IfG baart is no lnDper 1iuht he
air,
His happy-go-lucky shrill whistle no more
VIII gladden. my ears while l watch from
the door.
But pray that the time may be long until
then,
And that when he marches through life
with the men
He ever viii give his dear mother the joy
She had when he whistled the tunes of
boy.
II. c. Dodge, in Chicago Daily Sun.
Freeland tribune. (Freeland, Pa.) 1888-1921, 1897-12-13
THOSE WHO WRITE.

NJ nIl ~ ~. =, -,
~, ~" YIN ~ 'eD !s
49, I 'a,,7 raS7. ~ 'oiu''T " Aiiiei''
,,an. ., anri., "nU N.Y.. 'e',e's' witch VIII aP-
~ W.. w.. ,'''
..i.,.'.. ,ioii.I!S " i'''''Ner announces the
pDtio"eiou n W % " new story Dy ohIrio' te
w. lonsT sv e"V,'reu rouuueu on lapeu'
pm. anu Oo"niiil between Two
'uo'ieeS'
IL may interest the readers OF 4. w.
liornuhgs Australian stories to know
Cila' ne Is prother7lh-iaw OF Dr. A.
Nonai Doyle'
Freeland tribune. (Freeland, Pa.) 1888-1921, 1897-12-13

If Diogenes were still on earth, hunt
ing with his lantern for an honest man,
Monrovia, Ind, would be the place for
him to turn his steps toward. Clark
Geare lives there, and if one recent act
of his is an index of his nature. he is
just the sort of man Diogenes was look
ing for. Geare is veteran of the late
war, and some time ago applied for
pension because of rheumatism. lie
got it, but recently returned his certi-
cate and $3.50 in back pension to tie
department at Washington, saying that
his rheumatism had gradually improved
and finally left him completely, and
that he was therefore not entitled to the
pension.
Freeland tribune. (Freeland, Pa.) 1888-1921, 1897-12-13

\ policy holder thus writes to the
western department of an American in
surance company: Dear Sir-I have
given up intentions of insuring because
| think a man is doing rong if man has
the right thought toward god he need
not be afraid of anything when we
know god wright and mortal man
rong there is nothing but mortal mind
ideas surrounding the world what we
need is spiritual ideas and then we will
be all harmonious for the ligl,. of the
world is jeasus for god is the same yes
terday today and forever in him we
move and have our being so Please stop
my insurance policy"