davidaulloa/AmericanStories huggingface dataset:
The Washington times. [volume] (Washington [D.C.]) 1902-1939, 1904-05-18
INSURANCE STATEMENTS.
DEPARTMENT OF INSURANCE
OF the
DISTRICT OF COLUMBIA.
Washington. March l. 10

l.
!. THOS. T. DR.KE. superintendent Of In
suTance OF the District Of Columbia, do hereby
certify that the INDEMNITY FIRE INSURANCE
COMPANY. located at New York. in State Of
New York, has complied In all respects
with the laws Of the District Of Column
bia, applicable to il, and is authorized to trans
act In the District Of Columbia its appropriate
business Of lnsuring property against loss or
damage by hre and lightning and tornadoes
and making all kinds Of insurance on goods and
other property in course Of transportation on
land and water and on any vessel or boat dur
ing the current year Its condition and bust
ness, on the thjrty-hrst day Of December Of the
year next preceding the date hereof, is shown
by the statement, under oath. as required By
Section 64T Of the amended Code Of Law Of the
District Of Columbia 70 be as follows:
Aggregate admitted assets......... $3.50. I01 50
Aggregate amount OF Liabilities
Except capital), including rein
Suranee ..--........-.......... 1876, 20I IS
Net assets ...-..........-........ 259, $40 II
amount OF actual paid-up capital. 10000 %
Surplus ........................ $3.50 IA
Amount Of insurance in force...... p, 02s 352 %
Amount OF losses sustained. -...... l47,5 T 81
Amount Of income for the year in
cash ....:...-..........-..... 2ss. I91 OF
Amount Of expenditures for the
wear III Cd5li. ..s-r.--..-ss-..s... ZOJ, o3Z ~
In witness whereof, have hereunto subscribed
my name and caused my off ia seal TO be az
fixed the day and year first above written
tseah THOS. F. DRAKE.
Supt. Of Insurance, District Of Columbia.
The Washington times. [volume] (Washington [D.C.]) 1902-1939, 1904-05-18

London market is strong for Ameri-
cans today, with prices Il TO q above
parity.
The Washington times. [volume] (Washington [D.C.]) 1902-1939, 1904-05-18
NEW YORK.

J. P. Morgan & Co. have ordered ST.
500, 900 gold for shipment tomorrow.
The Washington times. [volume] (Washington [D.C.]) 1902-1939, 1904-05-18
Public Still Keeps Ont Of Market
4na 7Iuaers Control Speculation
NEW YORK STOCK MARKET.

reported by W. B. Hibbs Co.. 14l9 F
Street. Members New York Stock Exchange
Chicago Board of Trade. and Washington Stock
Exchange
The Washington times. [volume] (Washington [D.C.]) 1902-1939, 1904-05-18

The New York Stock Exchange has
received an official notice from the Gen
eral Electric Company that its capital
stock has been increased by So, 325, 500
The Washington times. [volume] (Washington [D.C.]) 1902-1939, 1904-05-18
FINANCIAL.
THE WASHINGTON LOAN
AND TRUST COMPANY
OFFICE. COR. 9TH AND F SITS.

OFFICE, COR. 9TH AND SITS.
PAID-UP CAPITAL, ONE MILLION.
- Loans IN any amount made on approved
- real estate or collateral at reasonable
- rates
- Interest paid upon deposits on monthly
- balances subject 10 check
- This company acts as executor admin
- istrator, trustee, agent, treasurer regis
- trar, and In all other hduciary capacities
- Boxes for rent tn burglar and fre-proof
- vaults for safe deposit and storage Of yalu-
- able packages.
JOHN JOY EPSON President
JOHN A SWOPE . VIC Dresden,
ELLIS Second Vice President
ANDREW PARKER ...... Treas,,rar
HARRY g. MEEM Assistant Treasures
THOMAS BRADLEY. ~. Real Estate Officer
REAL ESTATE DEPARTMENT
Is prepared 10 assume the management Of your
real estate. Careful attention given 10 ali de-
tails.
The Washington times. [volume] (Washington [D.C.]) 1902-1939, 1904-05-18
INSURANCE STATEMENTS.
DEPARTMENT OF INSURANCE
OF the
DISTRICT OF COLUMBIA.

Washington, March ], 1884
l. THOS f. DRAKE, Superintendent Of In
surance Of the District Of Columbia, do hereby
certify that the GERMiN-AMERlCAN FIRE IN
SURANCE COMPANY, located at Washington,
in the District Of Columbia, has complied
In all respects with the laws OF the
District OF Columbia, applicable to II,
and is authorized to transact. in the Dis
trio [ of Columbia its appropriate business OF
insuring property against loss OF damage by IRE
and lightning and stornadOes, and making all
in course Of transportation on land and water
and on any vessel or boat during the current
year. Its condition and business, on the thirty
first day Of December OF the year next preced-
ing the date hereof, Is shown by the statement,
under oath. as required by Section 90 Of the
amended Code Of Law Of the District OF Column
bia, to be as follows:
Aggregate admitted assets .......... S2SIs 40 %
Aggregate amount Of liabilities Tex
cept capital), including reinsur-
ance ....................... 1855 IS
Net assets ........... 2s2, os2 Is
Amount of actual paid-up capital. 10000 %
Surplus ............................ s2,os2 Is
Amount OF insurance In force. 5, 259,OS5 56
Amount Of losses sustained. 2,542 40
Amount OF income for the year in
cash .............-..........-. Ills %
Amount Of expenditures for the year
IN cash ACKNOWLEDGEMENTS. zstOSz -
In witness whereof, have hereunto subscribed
my name and caused my Official seal 70 be AZ
fixed the day and year hrst above written.
(SeaD TH0S. E. DRAKE,
Supt. of Insurance, District Of Columbia.
The Washington times. [volume] (Washington [D.C.]) 1902-1939, 1904-05-18
MSCELLANEOUs RONI

Wash Cas- Co, ser a, 0's I9O2-2T lOj ..
Wash. Gas Co., ser. B, G's le04-2T NJ 49,.
L. S. Elec. Light. Deb. Imp. 1902 IO} 80.
L. 8. Elcc. Light. Cert Indebt.... 1913 So.
Ches- & Pot. Tel. Co. 5s..-...... 1867 104H
Wash Market Co. Ist G's. 1897. 100 49,.
Masonic Hall Assn Sc. c.. leo zee.
Washington Gas.................. lis III
The Washington times. [volume] (Washington [D.C.]) 1902-1939, 1904-05-18
cnvFRNMENr BONDS.
RAILROAD BONDS.

Capital Traction Z. r. Fs..-..... l06x
Net st. r. r. SIS. 1925. lls us
Met r. r. Cert. indebtedness A. lOl l05
Net r. r. Cert. Indebtedness B. 100 10
Columbia r. r. 6's. 1914. III ll9
Columbia R. R. I'd mort. 5's..... lOl1 107
City Suburban 5's-....--..-..... %
Anaccstia & Potomac 5s---.----.- 81
Wash. Street Railway fs-........ 7oA q
The Washington times. [volume] (Washington [D.C.]) 1902-1939, 1904-05-18

National safe Deposi, & Trust... lac 1871
Washington LOaa & Trust........-2IJ 2Ib
American Security :, Trust......., lJfS 200
Luicu Trust K SfJTuEe. los 100
Washington Savings Bunk. lJj ITO
Home Savings Bank. l33 go.
The Washington times. [volume] (Washington [D.C.]) 1902-1939, 1904-05-18
RAILROAD STOCKS.

Capital ITact.On .........-........ l2i 70
Washington Street Railway PIT. sex 5
arlington Street Railway COM. - /
Perth Amboy evening news., 1904-04-07
NEW MILLINERY TRIMMINGS
Feathers and Ornaments Will Be
Much in Vogue on Fashion
able Eeadgear.

Feathers and flowers are worn all the
year around. But it must be acknowl-
edged that feathers have a wonderful
vogue. There are beautiful feathers of
the shaded variety and these, upon a hat
of straw, afford a very pretty sight
One of these feather trimmed hats is of
brown of a very lovely shade Of straw.
At one side the brim takes an upward
curve, and just here the feather is fas-
tened. 1t is a deep brown. But it shades
gradually lighter. and upon the tip it is
a bright yellow. 1t is secured TO the
hat with q & great dull gold ornament.
Gold ornaments will be worn a grea;
deal upon the hats of spring, as will sill
yer and gun metal. Indeed, gold and sill
yer seem to be taking the place of the
rhinestone pin, which held it's favor sc
long. The rhinestone pin is, of course
used. But there are many times when
the gold slide or the gold buckle or the
great round gold ornament is the best
thing that could be used.
Roses which have always been worn
will continue to be worn, and a little gar
den of rosebuds Is seen upon many of the
handsomest French hats. Roses never
come in amiss, and one can get them In
all, colors, even to blue and black. II
one wants to be perfectly safe stick to
roses. They come this year in the TIM.
est sizes, and are particularly chic COM
bined with black. There are floral hats
of tiny roses and black panne velvet, and
there are small toques of irregular shape,
that pin well back upon the couture.
These are as becoming as anything thai
can be imagined.
Perth Amboy evening news., 1904-04-07

handkerchief found in the yard be-
meath Mabels window is not hers, as
was thought, but the property of one
of her intimate woman friends.
Another piece of evidence which
strongly points to a certain person as
the slayer was found in the Page
house by John A. Bruce, who was
called to embalm the body. Bruce and
the state detectives will not reveal the
nature of this evidence, but it is said
to be certain blood marks lately found.
Bruce makes the startling statement
that he discovered Mabel Page had
been murdered at II O'Clock at night
and so informed her father and broth
er hours after Medical Examiner
Mead had viewed the body ard decid-
ed the case one of suicide.
'"There was a motive, and a rational
one, for the murder" Bruce declares.
1T was not the insane freak of a mad
man or Mabel Page was
killed for the purpose of removing her
from some ones path"
Perth Amboy evening news., 1904-04-07
MORMON MANIFESTO.
President Smith Has Issued n PrOcln-
nation Prohibiting POlygamy.

EhtttOh tFOhlDIuIn& IO1ydhu
SALT LAKE CITY, April IA nota-
BILE feature of the closing session of
the seventy-fourth annual conference
of the Mormon church here was the
official declaration by President Jo-
seph T.. Smith on the subject of po-
lygamy, as follows:
"Inasmuch as there are numerous re-
ports In circulation that plural mar
riages have been entered into, on
trary to the official declaration of
President Woodruff of Sept. 26, 1890,
commonly called the manifesto, which
was issued by President Woodruff and
adopted by the church at it's general
conference Oct. 6, 1890, which forbids
any marriage violative of the law of
the land, l, Joseph f. Smith, president
of the Church of Jesus Christ of
Latter Day Saints, hereby declare
that no such marriages have been sol
emniZed with the sanction, consent or
knowledge of the Church of Jesus
Christ of Latter Day Saints, and
Il hereby announce that all such
marriages are prohibited, and if any
officer or member of the church shall
assume to solemniZe or enter into any
such marriage he will be deemed in
transgression against the church and
will be liable to be dealt with accord
ing to the rules and regulations there
of and communicated therefrom."
Perth Amboy evening news., 1904-04-07
LADIES NOT IN EVIDENCE.
In Public and at Public Functions
Wives Are Seldom Seen
with Husbands.

in Japan a wife seldom apepars with
her husband in public, and even at great
DINNER parties served in private resi-
deaces the mistress Of the house rarely
Is in evidence, says the Washington
Star. If she does appear it is to
wait upon her lord and master and his
friends. To an American wife this serv-
ituoe of the Japanese spouse will seem
degrading, but in the land of the rising
sun ito obey" in a marriage service has
a definite meaning.
To come back to the dinner party, a
short time before the hour appointed for
the feast, at the sound of approaching
jinrikishas-the guests usually come in
these vehicles-the screens at the en-
rance of the house are slipped back
in their grooves. Smiling servants help
the guests alight, while in the doorway
stand a group of pretty mattresses, gay
as flowers in their bright colored XII
mouos, bowling their heads to the ground
in ceremonioas salute and at the same
tilne murmuring: 'Ohaeri, ohaeri!"
which, translated, means ENTER, Ohon-
ored SirS!"
Japanese houses, as evei ybody knows
are built Of light wood, and the sliding
PANELS which serve for doors and win
dows, have PAPER panes. The state apart
ment of & Japanese house is usual,
IN the first floor, and the guests are LEI
along broad yerGndas over soft, white
veivety mats until they reach the bar
quoting room, at n end of which i
seated the master of the house. Tn,
company slowly ONES into the ROOF
and PROSTATE themselves three times be
fore their host, exchange the courtesie
Of the day, and are then conducted f,
their respective seats, which are blac
velvet cushions placed at intervals OF
the floor. Soon after the arrival of thu
guests dainty waiting girls serve pal,
amber tea without sugar or cream il
snail cups minus handles. With II
tea are eaten sweetmeats made OF rice
flour and sugar nodded in the form Of
flowers, buds and leaves.
Perth Amboy evening news., 1904-04-07

Smiling in Chicago.

Yeast-I see a fellow in Chicago en-
tered a saloon, and made the bartender
give him a drink at the point of a pis.
tol. What do you say to that?
Crimsonbeak-Well, l should say
that was without doubt a forced smile.
-Yonkers Statesman.
Perth Amboy evening news., 1904-04-07

NEWPORT NEWS, Va, April IL
General Cronje and 200 Beers, accom-
panied by 100 British soldiers, who
saw service in the Boer war, fifty wo-
men and children and twenty Zuzuls
kaf1irs and Zembezis, have arrived here
on the steamship Doune Castle from
Cape Town. The Burghes in the party
were with Cronje at Paardeburg. Gen
eral Viljoen awaits the party at st.
Louis, to which point the exhibit is
nov being moved by special train.
Perth Amboy evening news., 1904-04-07

BERLIN, April IA Herero writing
to relatives in German Southwest At
RIGA from Banksdrift, neal Kimberley,
i'll the Transvaal, said: 1.-THE land of
the English is a good country. There
are no mistreatments here, and the
whites and the blacks stand upon the
same footing. If a white man beats
you or otherwise breaks the law he is
punished. Here there is much work
and money" The missionary who
translated the letter ventured the opin-
ion that any one Of the 100 Hereros
employed in British Africa could make
the same contrast.
Perth Amboy evening news., 1904-04-07
Value of Learning to Knit.

Fifty years ago every woman and girl
was taught to hnit as part of her educa-
ton. Now, however. comparatively few
are taking Up knitting needles with n
seriousness of intention. Young women
should become expert knitters, not be-
cause they cannot buy many things as
cheaply as they can produce them, but
with a view of that faroff day which is
certain to come in time-the day of old
age. To the brightest girl there may so
years hence arrive the day of deafness,
when the voices of music shall be brought
low, or the day of blindness, when this
fair world shall be dim and d~arkening
to twilight or night. To the gayest of
us all may come in the faroff time of the
future a period of great loneliness, for
friend alter friend departs" When
one eannot see or hear well, when ac-
utiaintances are few and hours drag,
there is a great satisfaction in being able
to efaplov the fingers. A good knit
ter uses hers with the swiftness of an au-
tomaton. She sits in the freight and
knits, an embodiment of contentment.
Perth Amboy evening news., 1904-04-07
Mormons to stop Polygamy.

KIRKLAND, O., April THE fifty
first general conference of the reorgan-
lied Church of Jesus Christ of Latter
Day Saints has opened here in the old
Mormon temple, with nearly 500 dele
gates in attendance. There is a strong
sentiment in favor of stopping polyga-
my. Some express the opinion that if
it is proved that Reed Smoot recently
has practiced polygamy he should not
be allowed to take his seat in the SEN
ate. Much attention will be devoted
to missionary work.
Perth Amboy evening news., 1904-04-07
Three Under Arrest For Girls Death.

LOWELL, Mass, April Z. = Dr.
Charles A. Eastman has been arrested
here charged with murder in having
caused the death by malpractice of
Miss Edith s Mcintyre, aged twenty
five years, who died recently ut a SAM
tarium conducted by Eastman at Old
Orchard, Me. Mrs. A. G. Eastman,
wife of the physician, and Captain AL
bert Mcintyre, a brother of the dead
woman, are under arrest at Biddeford
Me-, in connection with the case.
Perth Amboy evening news., 1904-04-07

WASHINGTON, April = Senator
Burrows has presented to the senate
protests from more than 900 of 'the
lawabiding people of Utah" against
the declaration of Joseph L. Smith,
president of the Mormon church, that
they are broadminded enough to con
SEN TO "the shocking violations of law
and public decency which he confesses
to having committed"
Perth Amboy evening news., 1904-04-07
win Cruise mt Dfscretion,

WASHINGTON, April Il The fol-
lowing bulletin has been posted at the
navy department: 'The restriction of
the ~battleship squadron OF the Philip
pines has been withdrawn and the
commander in chief authorized to per
nit his squadron to cruise at discre-
ton. not going north Of Fuchau, on the
sAsiatic coast
Perth Amboy evening news., 1904-04-07

Road the real estate adyortisinRS
column on page 5. today.
Perth Amboy evening news., 1904-04-07
MORGAN on European Trip.

NEW YORK, April 7.-Mr. ]. Pier
pont Morgan was a passenger by the
White Star line steamship Oceanic,
which has sailed for Liverpool. He
was accompanied by his daughter. Elk
cept to deny a report that he means to
take up a permanent residence abroad.
ar. Morgan declined to be Interviewed.
Perth Amboy evening news., 1904-04-07
PAGE MURDER.
Alleged New CIcws In Weston Myn-
terry.

terry.
WESTON, Mass, April THE Mas
sachusetts state police have subjected
Edward Page, the aged father of the
murdered Mabel Page; her brother
Harold and Amy Roberts, servant in
the Page household, to a third degree
examination and then interviewed
Miss Susie Cutter, a neighbor and
friend of the murdered girl.
1t is now intimated by the police
that the note supposedly written by
Mabel Page was in reality forged by
her slayer. This is the most promising
clew SO far discovered by the police.
Again, it is said that the blood stained
The Minneapolis journal. [volume] (Minneapolis, Minn.) 1888-1939, 1904-09-15
DO YOUR SHOPPING By MAIL

IT ME following advertisers progressive, reliable
business houses offering special inducements to the
mail Order Trade" Owing to the extension Of
the rural free deveryservce throughout the Northwest
longer necessary for the farmer and those who
side some distance from the city to town to do
shopping Simply make your selection from the goods
advertised below write for information, which will
be promptly mailed
The Minneapolis journal. [volume] (Minneapolis, Minn.) 1888-1939, 1904-09-15
TODAY'S NUGGET

Flre does necessarily imply npa weakness Many Of the Of
The Minneapolis journal. [volume] (Minneapolis, Minn.) 1888-1939, 1904-09-15
journal WANT ADJ Agency.
Want Ads this before
ratea sat aio f Cent? set
HELP WANTED-MAIE

MARCUS, IOWA, SEPT. IL, 1904.
To Whom 1t May Concern.
After two months course of instruction under
entire success. t.
TO any DESTROYS of learning the Photographic
trade l most heartily recommend Mr.. Thor
beck, an instructor who enGeavors to give the
ambitious student the full benefit of his long
experience. His course of instruction is thoroly
uptodGte, and would be of great benefit to the
average photographer well the beginner
who wishes to master the profession.
Very Respectfully,
The Minneapolis journal. [volume] (Minneapolis, Minn.) 1888-1939, 1904-09-15

GENTLEMAN, OF GOOD ADDRESS WISHES
position US manager of frst-class hotel; 10
years experience, and up-to-date. Address
ITO, Journal .r
The Minneapolis journal. [volume] (Minneapolis, Minn.) 1888-1939, 1904-09-15
AN1f' ADS
/ Cent a Word
ALI Ads l cent a
word, when paid for

-" -" word, When paid TOT
in advance, otherwise
3" cents per line, Z words to the line.
No Ad taken for less than zoe for each
Insertion.
Situations Wanted Male or Female,
Fac word; no Ad less than loo daily;
20 words or less, one week, soc.
All Ads received after D. m. Of
day of publication are to late for
classification.
When so desired, in place of an ad-
dress, and advertisement can be ad-
dressed to a number, care The Jour-
nal, and answers for out-of-town ad-
Vertisers will be Forwarded.
The Minneapolis journal. [volume] (Minneapolis, Minn.) 1888-1939, 1904-09-15

WANTED-A POSITION TO LEARN BARBER
trade, with some good barber; have had some
experience; board expected Box 2e2, Annan-
dale, Mimi. ST. .. 49,. AZ.
The Minneapolis journal. [volume] (Minneapolis, Minn.) 1888-1939, 1904-09-15

UNIVERSITY STUDENT WOULD LIKE TO
tend furnace or do work afternoons: has ex-
perience. Address 423 University of Mime
soft ty
The Minneapolis journal. [volume] (Minneapolis, Minn.) 1888-1939, 1904-09-15

YOUNG MAN, 18 YEARS OLD, HIGH SCHOOL
education, desires position in office where he
may earn advancement. Address 2013, Jour-
The Minneapolis journal. [volume] (Minneapolis, Minn.) 1888-1939, 1904-09-15
PHOTOGRAPHIC SUPPLIES

Send your film in to be developed. ASK for
photo material catalog. The largest house In
the west. o. H. Peck &C.. 112-116 9Th st 8.
The Minneapolis journal. [volume] (Minneapolis, Minn.) 1888-1939, 1904-09-15

WANTED-WORK AS A SECOND MAN IN
lumberyard, city or country; have had some
experience can furnish references. Address
1889. Journal. ---..- -
The Minneapolis journal. [volume] (Minneapolis, Minn.) 1888-1939, 1904-09-15

YOUNG MAN WHO IS EXPERT IN FIG
uring and bookkeeping wishes employment
with a reliable firm; passed civil service ex-
amina ton in bookkeeping 2ESA. Journal.
The Minneapolis journal. [volume] (Minneapolis, Minn.) 1888-1939, 1904-09-15

WANTED BY CAPABLE YOUNG MAN OF
81, position with business house; three years
experience as salesman in wholesale house.
The Minneapolis journal. [volume] (Minneapolis, Minn.) 1888-1939, 1904-09-15

MODERN HOUSE, SEVEN OR EIGHT ROOMS,
by family Of four adults best Of care guar
would be Considered. Address 331 Lumber Ex-
change.
The Minneapolis journal. [volume] (Minneapolis, Minn.) 1888-1939, 1904-09-15

WANTED-sITUATIoN As COOK IN REsTAU:
rant, hotel private family. Address 315 9th
ay S. Brown,
The Minneapolis journal. [volume] (Minneapolis, Minn.) 1888-1939, 1904-09-15

MALE sTENoGRAPHER AND BoOKKEEPER
four years experience, wants position in law
yers office; taking senior night law; excel
lent references. 1876 Journal.
The Minneapolis journal. [volume] (Minneapolis, Minn.) 1888-1939, 1904-09-15

WILL CLEAN PAPER ON ROOMS, ORDINARY
size, 75c to 81 each. I. G. phone 34SS. Will
paper two rooms for So furnish paper. Paper
lanper 124 4th at S.
The Minneapolis journal. [volume] (Minneapolis, Minn.) 1888-1939, 1904-09-15

POSITION AS BOOKKEEPER, OR AS ASSIST
ant, by. energetic reliable young man. Can
read and write German also. No object as to
salary. Will give the very best references
as to character, ability, etc. Address 2o222,
Journal.
The Minneapolis journal. [volume] (Minneapolis, Minn.) 1888-1939, 1904-09-15

STUDENT WANTS PLACE TO WORK FoF
board and room within walking distance O.
Central high school, 2157 Journal.
The Minneapolis journal. [volume] (Minneapolis, Minn.) 1888-1939, 1904-09-15

WANTED-BY A YOUNG MAN, "a YEARS OF
age, position as salesman with some reliable
and the handling of mem the best of refer
furnished and bond If required 9o2
The Minneapolis journal. [volume] (Minneapolis, Minn.) 1888-1939, 1904-09-15
SITUATIONS WANTED

Male.
RATE UNDER THIS CLASSIFICATION No
word; no ad less than 1Oc daily; 20 words or
less, one week, soc.
The Minneapolis journal. [volume] (Minneapolis, Minn.) 1888-1939, 1904-09-15

HoTEL-LEADING Sc DAY, S25, 900 YEARLY
business, price $780, supplies secured at great
discount
FLOUR MILL, 15o-barrel clears $4,000 yr
"a RESTAURANT; very complete; clearing $3.50
monthly. ...
~ RooMINGHoUsEs, 10, 20. So rooms, great
bargains.
~ NO CHARGE for sending you buyers. $780,
600 for immediate Investment. HOO Lumber
EXCHANGE
The Minneapolis journal. [volume] (Minneapolis, Minn.) 1888-1939, 1904-09-15
LOANS AND CHATTELs

WILLIAMS, cit GUARANTY BUILDING,
loans on furniture. pianos or any security.
Large loans specially. Terms to suit bor-