davidaulloa/AmericanStories huggingface dataset:
BoletiÌn mercantil de Puerto Rico. (San Juan, P.R.) 18??-1918, 1901-06-13
"GyII DrrEcd The EDieIo'.' .
His Majesty Loses $3.375,000

Almost the eutre pcvat@ fortunes of
Emperor William, 'br Emp eSS aud ot1fr
m-nHe of the roNal f,muy of Germany
have been swept away IN the west SWIM
dis prrpe-ra cd by Commercial Councillor
Saudcn. Tue operations OF Sandel suggest
the $50 yer caLt.a-y ear scheme. He is un
der arrest. AMI while lha EmperDr'j legal
adys IS are {. dpavoriug to drtruuit te the
eAtrn. Of II $ II IS losses, court circles
an G fes rng wlth expressions Of adm'rat-
on n the audac ~ "f ne man wbo dipped
the Emp ror by the fl ms es sort OF calcau-
cry
As uearly as can be laue1, Sander
II away with Some'mog Ike IS 10000
belonging to mrntoctS OF tue court. Ii
uth 'Irc,, II lua pg cla ms If the roya
fuiy, - easily fso- up t. that amunut
lit> rs b.c ASSES IA none do lot Exceed
S25Ut0 lis houses yachiS and stAties
" i.iuoha y raaze $l00,oO0. 30 that
the royal peTsouaE VII have beer mulcled
OF tleir private fr.unes stand very lttle
shpw of g'tt,Dg even as much rs pen
cent Of their laSSts
Ills M-jtalY IS believed to have lost g.
31JNd0 trough Gae OPERATION q Sauden.
TIE Empress, whose private fortune IS
small, J. SAID 10 have been swlndI1d out Of
SG2J 600
BoletiÌn mercantil de Puerto Rico. (San Juan, P.R.) 18??-1918, 1901-06-13
TELEPHONE..... "a
Cable Address " morris" A. B. @. Code

The Boletin Mercantl IS the oldest ne,cSpGpcT
on tho Island 1t is conservative, ladepcndoRt ana
progressive IN all matters Of public interest 1t as
Teai the best families reaches the buying classes,
md as easily drSt IN public estimation and as az
dicertiSIg medium.
Tbo afternoon edition Of the BoLETIY reaches
out oC torn patrons "a hours IN GdCaHce Of the
uorRiRg dailieS.
BoletiÌn mercantil de Puerto Rico. (San Juan, P.R.) 18??-1918, 1901-06-13

The Deadly Rail Kills More
Than Fall In War.
The PeriIs Of War and Railroads


Th" other day, ia this column, we gave
some comparative atISlcs as 10 the cas-
uary ISIS Of on Baer war and the Franco
German war, aud these may nov be sup
pIrmenjed from the railway figures quoted
the other evening hY Mr.. Gerald BAlfuor
Our anuy IN Souh Aft ca stands, or, at
least, stood, at about 2j0,000 men, viii g
our army Of rallna} servants n tie United
Kingdom is just double tliS 500 900. 1t
is not clear from our War Office figures
how many of our troops have been wound
ed (and recovered during tue campaign,
nul the total number Of deaths in action,
up to the end Of April, was only 34J;
and, If We multiply this by five, ace shah
probably get far ratio for The grounded,
whJ would thus uunIbr some 8 900 But,
apart from losing 6l6 in killed, o II railSay
army had no fewer than 10000 of It's nen
hers injured IN one year-- which ls thus
relatively a very much larger proportion of
wounded than has fallen To the lot CT our
warriors in tue field. We thus arrive at
the astonishing result tkat at least one
profession of peace IS far more -perious to
10 limo than the practice of war. (London
Chronicle.
BoletiÌn mercantil de Puerto Rico. (San Juan, P.R.) 18??-1918, 1901-06-13

Quiatn Gonzalez is an un6utiful son.
He assaulted his mother this morning,
striking her several severe blows. He was
arrested by the insular police and at the
Cathedral court received 80 dsy senten
ce at hard labor.
he and bis mother sre residents of
Sauturce.
BoletiÌn mercantil de Puerto Rico. (San Juan, P.R.) 18??-1918, 1901-06-13
City and Suburbs
Local and Personal Notes
Ia and About the Capital
Tie Board of Appeal, DIR. Hollander,
chairman met Yesterday. A large number
of csses were satisfactorily adjusted

The hotels are full of ous of town Wis.
ifoIs. Tue limited ACCOMMODATIONS of the
Capital will beetsXed to their utmost dur
ing the next weeks; especially ON San JCaa
day
BoletiÌn mercantil de Puerto Rico. (San Juan, P.R.) 18??-1918, 1901-06-13

The city has been very quiet and order
ly Notwithstanding the fiesta During the
past two days the police have made only
one arrest in the northern district Of the
city and this was for petty offence
committed by boy.
BoletiÌn mercantil de Puerto Rico. (San Juan, P.R.) 18??-1918, 1901-06-13

The conductors and motermen on the
clecfrlcs are conn lanng Of long hours and
small poy. 1t IS protab thar manager
Siult@ WI Atve another sI'k on his Inc
so n, bur 1t is to ue hoped that II may not
happen until after the conc usion of the Ii S,
taS.
BoletiÌn mercantil de Puerto Rico. (San Juan, P.R.) 18??-1918, 1901-06-13
The Cuban Electoral Law.

Special Cablcgram to BoIetin Mercantil
Havana, June 18Th The Cuban
Convention is now drawing up the
Electoral Law
The bases of the Plat Amedment
will be added to the Constitution
as having been literally acc pied,
and the Island will TO be governed
by the same.
BoletiÌn mercantil de Puerto Rico. (San Juan, P.R.) 18??-1918, 1901-06-13
The DOolS Victorious
at Cape Colony.

Especial Caolegram to Boletin Mercantill
New Yor, June l3,h.-The Beers
nave driven the English from the
positions they occupied towards tie
North Of Cape Colony, causing them
co.'s derable losses
The Euelish army is gradually
falling back towards the centre OF
the Transgaal
BoletiÌn mercantil de Puerto Rico. (San Juan, P.R.) 18??-1918, 1901-06-13

To days fiesta program includes b cycle
races on the Marina, special services at
the churches and display OF fireworks in
front OF tie Cathedral this evening.
BoletiÌn mercantil de Puerto Rico. (San Juan, P.R.) 18??-1918, 1901-06-13
Bright Girls.
Manage And Edit Paper.

Perth Amboy, y j., has d .ilv news
paper which IS conducted 10y two your g
somen, SISTERS. TJey are Miss MARY
l. use Boynton aud Mss George Smith
Bpyuton. tre lighters OF a wealthy manu-.
f.c urer of fire buck, and botu are VaSsar
graduates.
Mss Mary is the editor and Miss Geor
gie tie hns ness IN nager Of The Tapcr,
which made lts debut as daily last Monday.
II is called the koPuolcan. aud for the
last three yeas has been conducted b. tue
SISTERS with marked Succrss as weekly.
Mss Mary 5 first e&per euce n journalism
was gained at VasSar, Where for lime sha
had charge of the college paper In the
coGduc OF the Republican as a weekly both
young comen displayed business ability OF
high order, and last year Miss Mary, IN
addition 10 performing her editorial duties,
served as census enumeFator IN the district
Of which she IS a resident.
The new daily has been received ac,th
much favor by Perlh Amboy, and the sisters
show no indications that their heads have
been turned by tbs success Of their latest
venture.
BoletiÌn mercantil de Puerto Rico. (San Juan, P.R.) 18??-1918, 1901-06-13

The marines at the naval station are
having weeks target practise at the
Puerta de TERRA range. Some excellent
scores were made yesterday and to day.
BoletiÌn mercantil de Puerto Rico. (San Juan, P.R.) 18??-1918, 1901-06-13

The small boy is omuipresent in these
days of The fiestas. He cuts up all Kinds
of antics on The stree.s aud If he can get
together enough pennies for bunch OF
fire crackers h $ happiness is complete.
BoletiÌn mercantil de Puerto Rico. (San Juan, P.R.) 18??-1918, 1901-06-13

subsequent exhonoration are familiar to all
has eute,'d suit through his attorney Mr..
DtIer for $ 10000 damages for false imprl-
S0Dment
BoletiÌn mercantil de Puerto Rico. (San Juan, P.R.) 18??-1918, 1901-06-13
Prussia 5 FuIupe pOIicy

Herr Moeller, tie new Plussisn Minister
of commerce, lately delivered "a speech az
p baLqart, in sbch he declared tnat for-
nelly liberalism was iuseosrable f ON free
tr d, ena 'rnse B smack wss fae first to
inst q Ietdefate prffeci rs tsf rs.
Herr M0eler SID he Il Il also gore
through asimIlar experience, tut h. recog.
nUed that, in the interest of her great in
dustrles, the German mariets for export
must be maintained,
BoletiÌn mercantil de Puerto Rico. (San Juan, P.R.) 18??-1918, 1901-06-13

Col Buchanan, Major Manstirpld and
Capt. Buut constitute the board Of tIanlna
tion tet re whom several candidates Ter com
missions in the regular army VIII appear
TO day.
BoletiÌn mercantil de Puerto Rico. (San Juan, P.R.) 18??-1918, 1901-06-13

Tie various muuIc pal departments are
busy making up reports for the fiscal year
and preparing estimates for the approprla-
tons that VIII be asked for in the Les ca
lender.
BoletiÌn mercantil de Puerto Rico. (San Juan, P.R.) 18??-1918, 1901-06-13

Mr. Gail Gardiner, rho represents the
well known New York house OF FiSke Bros.
is i'll at the Colonial Hotel.
He arrived here on the Olinde Rodri-
gue5" and has been suffering with fever foI
several days.
BoletiÌn mercantil de Puerto Rico. (San Juan, P.R.) 18??-1918, 1901-06-13

DR.. Lownes, Surgeon u. S. n. who has
been staying with his wife at TIE Colonial
hot has taken new and commodious quarters
at No O'Donnel ST.
BoletiÌn mercantil de Puerto Rico. (San Juan, P.R.) 18??-1918, 1901-06-13

Tie "Ponce," 1chch arrived here this
noon had heavy mail and large list
Of passengers.
BoletiÌn mercantil de Puerto Rico. (San Juan, P.R.) 18??-1918, 1901-06-13
The PIatt Amendment Accepted.
National Convention Votes in
Favor of its Acceptance
10 to II.

Special Cablegram to Boletin Mercantill
The Cuban National Convention
has accep ed he Plat Amendment
uuconditonally. After mature del
ID ration and a protraded debate
the al-impoiant question was decid
ed i'll Ihe affirmative, the vote stand
ing Is 20 IL
BoletiÌn mercantil de Puerto Rico. (San Juan, P.R.) 18??-1918, 1901-06-13
Want Column

WANTED A FURNISHED ROOM WITH
w Board in American family. Moderate price
Address Board, BoLETIN MERCAHTIL
BoletiÌn mercantil de Puerto Rico. (San Juan, P.R.) 18??-1918, 1901-06-13
Emulsion
de Scott,

debid0 d la bOndad de los
!. elementOs que reune, tiene
: el "meritO" de que ell aCeite
J de higadO de bacalaO, unO
de suS principales cOmpO-
nentes, esta tan bien COM
binado y disfrazadO su sa-
Der que los niiOs d quieneS
Sc prescribe 10 tOman sin
repugnancia.
Las imitaciones de la
Emulsion de Scott siryen
para causar danOs cOnside-
rabies a la saIud, pOr tantO
exigir la legitima de Scott,
yerdader0 "farO de la vida"
3 SCOTT s. BOVINE, Quimicos. New York
5 y vcpta en- las Droguerias farmsciss.
3A
IlhllliHlIliIIlIIllnlnIllilIllllluIlIIIlIIIIIlI
Rosebud County news. [volume] (Forsyth, Mont.) 1901-1906, 1901-10-24


The diversity Of Miss Mary E. Will
kins' literary gifts is to be further ex-
.emplified in a book of short stories en-
titled "Understudies." Since the earlier
tales of New England life which were
sufficient in themselves to make an
enviable reputation for any author, we
have learned to know Miss Wilkins as
a story teller and novelist in other
fields and in other ways, and 1t has
been interesting to follow her develop
ment as an artist. Only once did she
deviate from the line of progress, and
that wes when she was tempted to en-
ter into competition with the pseudo
historical rOmance-and fell. But In
''The Portion of Labor" now appearing
in Harrers Magazine, she has not only
recovered herself, but, in our Judgment.
has climbed to q higher level Of artistic
attainment. Her new volume of I'm
derstudies" also shows that in the short
story her hand has not lost its cum
ming. Not only are these "Understud-
ies' very delightful as love stories, but
the conception of the idea which char
acterizcs them is an original and at
tractive one, and, to the reader who
cares to probe beyond the mere story,
it will also be found to be interesting
from. psychological tandpoint-Harp-
er's Weekly.
Rosebud County news. [volume] (Forsyth, Mont.) 1901-1906, 1901-10-24
Mrs. Dyer:a Henri.

McCarron, Mich, Oct. 21.-In April
last the sensational case of Mrs. Samu-
ell G. Dyer of this place was reported in
these columns. Mrs. Dyer has suffered
for years with u very bad case of Heart
Trouble, and was cured in a few weeks
by Dodd's Kidney Pills.
Since then Mrs. Dyer has received
hundreds of inquiries as to her condi-
ton, and many may be interested to
learn that she is at present enjoying the
best Of health, and has not had the
slightest return of the Heart Trouble.
Formerly she hal to sit up in bed for
hours te get relief; now she goes about
as smartly as any lady of g. years in
the state. Dodd's Kidney Pills have
made many friends in Chippewa county
through their cure of Mrs. Dyer's case,
and have proven beyond doubt that
their cures are not only very complete,
but absolute and permanent.
Rosebud County news. [volume] (Forsyth, Mont.) 1901-1906, 1901-10-24
Jefferson as an Inventor,

Mr.. Jefferson invented the copying
press. He writes to Mr.. Madison in
1851: Having great desire to have a
portable copying machine, and having
studied over some experiments with the
principle of large machines made to APP
ply in the smaller one, I planned one in
England, and had it made. 1t ans
swers perfectly. l have set workman
to making them, and they are in such
demand that he has his hands full.
send you one. You must expect to
make many essays before you succeed
perfectly. A soft brush, like a shaving
brush, is more successful than a
srcnge." He also sent copying press
to the Marquis de Lafayette as pres
ent. He invented the revolving chair,
now familiar and nee essary article Of
furniture in all offices and counting
rooms. The Federalist newspapers used
to call 1T Mr.. Jefferson's whirligig,'
and declared that he had devised it so
as to look all ways at once.-Chicago
Record-Herald.
Rosebud County news. [volume] (Forsyth, Mont.) 1901-1906, 1901-10-24
TESTIMONY FOR scHLEr
Will He Concluded by the End Of
Next Week.

Next Week.
Washington, Oct. 19-Just before the
Schley court of inquiry adjourned yes
terday Attorney Rayner, counsel for
Admiral Schley, informed the court that
he hoped to be able to conclude the
presentation of testimony for the APP
plicant by the close of next week. He
added that he thus far had not had
opportunity to consult with witnesses
who are still to be heard He there
fore asked that an adjournment be
taken until Monday.
Speaking for the court Admiral Dew
ey said he was most happy to grant
the request. Accordingly the court ad
journed until II o'clock Monday.
The list of witnesses examined yes
terday included eight names. but the
interrogation of the last of the wit
nesseS called had not been concluded
when the day came to n close. The
last witness was Lieut.. +. w. Wells,
Jr., who served during the war with
Spain as Admiral Schley's flag lieu
tenant or private secretary. The other
seven persons heard during the day
We're in the order in which they were
called, Lieut.. Commander Reginald p.
Nicholson, who was navigator of the
Oregon; Medical Director Charles M.
De Valin, a surgeon; Capt j. l.. Hun
mum, retired engineer; Lieut.. Thomas
E. Carter, Ensign w. P. Cronan, Car
penter J. Il. Warford, all of whom
served on the Brooklyn, and J. l.. Han
ley, who was chief machinist on board
the Texas.
Lieut.. Commander Nicholson told the
story of the battle of July as he saw
it from the deck of the Oregon. He
said the movements of the Oregon had
nos been controlled by signals from the
Brooklyn and he expressed the opinion
that the Oregon was nearer the Colon
than the Brooklyn was Mr. Hanley
said that the port engines of the Texas
had not been stopped during the bat
tla of July 8.
Rosebud County news. [volume] (Forsyth, Mont.) 1901-1906, 1901-10-24
DROP NOTIFICATIONS CLAUSE.
New Canal Treaty Will BE Signed in
Washington.

Washington, Oct. 19.-Lord Paunce-
fote will sail for the United States on
the 26th inst. before the British cabinet
council has had an opportunity to re-
view the protocols which embody in
principal the proposed new Hay
Pauncefote canal treaty. 1t is thought
here, however, that the fact will not
delay sensibly the final negotiations,
which will take place here between Sec
rotary Hay and Lord Pauncefote, for
it is the intention that the new treaty,
like that which it will replace on the
docket of the senate. shall be finally
drafted and signe ID in the city of Wash
ington. It is said that when the new
document is framed the Qualifications
clause will have been found to have
dropped out, leaving the United States
at liberty to fortify the canal, but it
is distinctly stated that it is not obliged
to do so, and, in fact, there is no pres
ent intention of erecting Notifications,
which, it is stated, would be much more
expensive than a fleet of battleships
and less useful.
Rosebud County news. [volume] (Forsyth, Mont.) 1901-1906, 1901-10-24
ENORMOUS MASS OF ROCK FALLS
WITHOUT WARNING THE WORK.
MEN ARE CRUSHED AT
THEIR WORK.
MEN THROWN INTO A WILD PANIC
SECTION BOSS Is IMMEDIATELY
PLACED UNDER AR
REST.

New York, Oct. 19.-Five men were
killed and two injured yesterday morn
ing when an enormous mass of rock
caved from the side and roof of the
Rapid Transit tunnel, in course Of con-
struction on Broadway about the line
of 18th street, in this city.
The dead are Peter O'EIara, Timothy
Kelleher, John Goronsky, Patrick
Madden, foreman of the muckers, and
Luigi Dante. The injured are Dom
enico de Pietro and an Italian laborer
name unknown.
The section of the tunnel where the
cave-in occurred is los feet below the
surface. A shaft leads to the tunnel
and from the shaft headings extend
north and south, each lying about 700
feet long. The accident occurred in the
south heading Of the tunnel about GAO
feet from the shaft. A gang Of twenty
rock drillers were working in the ex-
IRENE south end Of the heading and
about fifty feet from the end a gang
made up of twenty muckers and a
foreman were removing the debris pro-
duced by the blasting.
Without warning the mass of rock
sixty-three feet long, eleven feet wide
NV
tons, fell with a tremendous crash di-
rectly where the muckers We're work.
ing, almost closing the tunnel and Gre
ating a panic among the two or three
hundred men at work in other sections.
Great clouds of dust filled the whole
! excavation. The frightened men, most
of them Italians,
Were Wiled With Excitement.
and finding themselves cut off as they
thought, made wild efforts to escape,
/ their cries adding to the confusion and
horror. Before long, however, all made
their way to the street and the work
of rescuing the muckers commenced
De Pietro and the unknown Italian
were net buried under the mass OF
| rock and We're the first found. When
the rescuing party began to remove
the rock they found the mangled bodies
| of OHara, Kelleher and Goronsky
/ The bodies of Madden and DANTE were
buried under masses of rock which
could not be moved and could not be
, extricated although they We're in plain
sight, 1t was the work of hours to
drill the holes and charge them. AT
AS in the afternoon the charges were
fired with the result that the body OF
foreman Madden was removed piece
meal. The next blast uncovered the
| body of Dante.
Last night it was said that the fallen
mass of rock had been blown to pieces
and that no more bodies had been found
and it is not believed any more lives
We're lost.
| Owen Bly,, the section boss who was
in charge of that portion of the tunnel
was placed under arrest He was later
taken to the Harlem police court and
remanded to the coroner's office where
Coroner yucca paroled him until to.
| 6ov
Rosebud County news. [volume] (Forsyth, Mont.) 1901-1906, 1901-10-24

Big Steamer Hard and Fast Aground
and Her Passengers Still on


Big Steamer Hard and Fast Aground
and Her Passengers Still on
BOARD.
Halifax, N. S.. Oct 10. - On Petries
Lodges. a mile and a half from Low
Point, on the shores of the east coast
of Cape Breton, lies the big steamer
Manchester of the Manchester line. She
is fast aground, and it will be difficult
to oat her. Her ballast will be removed
and another attempt made at once to
get her off. The Manchester left
Havre, France, on Oct. 5, for Montreal,
with 213 steerage passengers and nine
saloon passengers. She ran short of
Goa! and Capt Goldsworthy decided to
put into Sydney for bunker.
Low Point was sighted at 10 o'clock
Thursday night, and a few minutes
later Pilot Ratchford boarded her and
took her in charge. The night was
dark and clear, though raining, and the
different lights could easily be dis
tinguished. The pilot was only on
board ten minutes when colloquy is
said to have occurred. Capt. Colds
worthy said: Il am afraid that you
are getting too near the shore"
II know what / am doing" was the
pilots response.
The captain again demonstrated with
the pilot a few minutes later, and this
time the pilot was about to heed the
captains warning, but before he could
do so the big ship was hard and fast
aground. Her crew of forty-three men
and all the passengers are still on
board.
Rosebud County news. [volume] (Forsyth, Mont.) 1901-1906, 1901-10-24
Money for Harvard.

Boston, Oct. 19.-HarVard college ben-
Gifts by the will Of Miss Harriet N.
Lowell, just probated. After the pay
ment of $4,000 in private gifts one
half the remainder of her estate is
given outright to Harvard college to
be used by the medical faculty. The
other half goes to Lazell =. Partridge
for life, and at his death it goes to the
college. The estate includes much
Boston real estate. Miss Lowell made
her fortune in the millinery business.
Rosebud County news. [volume] (Forsyth, Mont.) 1901-1906, 1901-10-24
BANK CLERKS MISSING.
Directors Say That the BaniS's In.
terests Are Not Affected.


Lowell, Mass, Oct. 10. = Albert G.
Smith, teller, and Lewis X. Smith.
bookkeeper of the Merchants National
bank, have been missing since Thurs
day night and their absence has led to
an examination of their assets. The
directors of the bank had a meeting
that lasted till early morning and as
result made statement to the effect
that the banks interests are not af-
fected. The statement is as follows:e
THE bank is absolutely sound The
first knowledge that we had OF any
trouble was the failure of the men to
appear at the bank this morning at the
usual time. That fact alone in a bank
would call for an investigation. We
do not know what the investigation will
reveal. 1t has not been completed as
yet ard will not be until tomorrow.
A final statement will be made at that
time"
Rosebud County news. [volume] (Forsyth, Mont.) 1901-1906, 1901-10-24
BURGLARY md Assault.

Rochester, N. Y, Oct 19.-Frank Nc
Laughlin, a boxmaker. was arrested
last night charged with burglary and
assault on two old women whose house
in the heart of the city was entered
last Tuesday afternoon by three men
who represented themselves as gas
works employees, and brutally beat the
women to make them reveal the loca-
ton of their diamonds and money. The
women identified Mclaughlin when he
was taken before them last night.
Rosebud County news. [volume] (Forsyth, Mont.) 1901-1906, 1901-10-24
HACNET'T WILL RETIRE,
Assistant Secretary of the Navy viii
Resume His Law PTuctice.

Resume HIS Law PTnctice.
Washington, Oct. 19.-Mr. Frank w.
.Hackett, assistant secretary of the
navy, will ask to be relieved from that
Office shortly. He will resume his law
practice in Washington. He had in
tended to do SO on the first of October,
but remained at the request of Secre-
tary Long, who, on account of the
death of President Mckinley and do
mestic Affections, has been obliged to
be away from the department. Judge
Charles III. Darling of Bennington, VT,
will, succeed Mr.. Hackett. Judge
Darling is strongly recommended by
Senator Proctor and many other prom
inent citizens of Vermont. He is I'M
derstood to be a successful practitioner
in the courts of Vermont and a man Of
high character and standing. For many
years he was judge of the municipal
court Of Bennington.
Rosebud County news. [volume] (Forsyth, Mont.) 1901-1906, 1901-10-24
STEAMER IS SUNK.
Piston Rod Knocks Hole In the
DOttOr Of the Vessel.

Chicago, Oct 10. Inn The Barry line
steamer State Of Michigan was lost
about three miles north of Muskegon
yesterday. The crew was saved. The
piston rod broke through the cylinder
and punched a hole through the bot
tom of the boat. The crew, number
ing fifteen, took to the small boats, and
with the assistance of the life saving
crew, succeeded in reaching shore in
safety. The Michigan was light, en-
route to Manistee for load Of salt for
Chicago. She was valued by her own
ers at $4,000, and it is understood car
ried q liberal insurance.