davidaulloa/AmericanStories huggingface dataset:
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30

Assistant Health officer Charles
Steinhach found an old woman living
under revolving circumstances on the
north side Monday evening. The old
woman was member of an old fami-
ly of that portion Of the city and she
received proper care from the city
authorities
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30

Football is altogether too popular to
be abolished, but would it necessar
lily be less popular If it were made less
homicidal?
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30

firer
storm
of
Connaughts
a
constantly
intac
rights the
observance
He excellent
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30

Queer that the man who wrote to
his wife that he was "shanghaied" on
a lake freighter failed to mention the
name of the boat.
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30

That fierce winter which the nature
sign prophets have foretold has lost
Its chance to make any new records
in beginning.
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30

Love one human being purely and
warmly, and you will love ALL The
heart in this heaven, like the wander
ing sun, sees nothing, from the dew
drop to the ocean, but a mirror which
it warns and Richter.
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30

Why doesn't the man whose time
economy is watching the clock apply
the same principle to his pocketbook.
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30
A Happy New Year.
Begin to practice writing it 1910.

The mail carriers have the Christmas
mail pretty well cleaned up and expect
few easy days before the flood OF
January bills begins to swamp the
mails
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30
Worship.

I've always thought tibet eff I had
my choice, an my life could express
worship, I'd choose for 1t to be praise.
-Sonny's Father, in Century Maya
zine
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30

All football players except the dead
ones will now devote a brief esason to
recovering.
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30

A man can do what he ought to do;
not.-Fichte.
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30

Evil is wrought by want of thought,
as we'll as want of heart.-Hood.
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30

Those killed while playing reformed
football are just as dead as any of the
others.
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30

When a man has learnt how to
learn he can soon learn anything
Kingsley
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30

What do we live for, If it is not to
make life less difficult to each other?
George Eliot.
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30

He that does good to another man
does also good to himself. Seneca.
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30

You will run little risk now in put
ting your sleeveless undershirt away
for the winter.
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30

Now an areoplane trust has been
formed. This will have the legal ex-
perts literally all in the air.
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30

The ship passing through the Suez
canal pays a toll of $4,000. What will
the Panama tolls be?
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30

First, then, I would give this not at
all startling bit Of advice: Keep to
your speciality; to the doing of the
thing that you accomplish with most
of satisfaction to yourself, and most
of benefit to those about you. Keep
to this.-Frances e. Willard.
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30

health Many Bailey
O Senator Money
Mr. Money has had ample experience make him
district 1873 and served He of the house until 1893
elected of the
1895
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30

When a poor young man suddenly
stops calling on a millionaire's daugh-
ter, the reason is, as rule, a parent.
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30

Make as many of life's events as
happy as you can, for we have no con-
troll over the real sad ones.
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30

There is no way of keeping the
heart clean save by aiming at posi-
tive virtues.-DaVies.
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30
Paner from PrickIy Peer.

Paper from the prickly pear has NJ
ready been manufactured in Port Eliz-
abeth, South Africa.
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30

Believe for while you are in an
other mans shoes, then meet yourself
upon the street and the reflection may
be what you would not like to see in
the other man.
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30

Still another cancer cure is report
ed. Which is altogether different from
being demonstrated.
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30
oHieers Get Their Share,

The salaries Of England's corpora
ton and public company officials total
over $315.00O.00O a year.
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30

The steadfast purpose wins, as eacn
American career proves to US.
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30

All kinds Of aviation look promising
Tor next year. A fly time ahead for
1910
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30

That it is more difficult to fill the
office acceptahly than he thought 1t
was.
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30

Be original, like the boy who put in
his diary: Outside accounts, found
five cents on the sidewalk"
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30

There's no use bluffing, unless you
have something to bluff with-and
then there's no use bluffing any way.
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30
She ouoht to Remerober rhia

She ought TO Henennber This.
It never takes the woman who is
suspicious of all other women long to
get herself suspected.
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30

That his own family doesn't respect
him as much as the rest of the
country.
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30

A true friend is one who makes US
do what we can.-Phelps.
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30

Failure is nothing more than get
ting lost in opportunities.
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30

Take other peoples advice-alloy
and gold make serviceable coin
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30

The secret of popularity is, wher
asked for criticism to give praise.
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30

When a woman stops breaking
hearts and takes to breaking windows,
she calls herself a militant suffra-
gette.
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30

The earth goes round, but 1t
wouldn't If we all wanted as much of
1t as the Rockefellers, Morgans and
Carnegies do.
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30

In this day every man makes his
own drudgery and he has as much Of
it as he himself allows.
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30
WITH THE SAGES.

1t is only right service which is per-
feet freedom -GilchFist
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30
FACTS AND FANCIES.
The Lapps never wash.

1t seems to be the divine right OF
kings to govern wrong.
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30

The average woman of 80 looks as
old as, the average man of 40; but,
then, the average woman of 80 Is,
usually, 40 or so.
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30
WOMEN AND MEN.

Many a woman's voice is liquid in
that it never dries up.
Opportunity knocks at every mans
door, but the poor fellow who needs
her most is often doorless
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30

Don't be so strait-laced that you
can't unbend occasionally
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30

Hope for the best, but work for the
result.
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30

Too much imagination makes US
drunk with ambition
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30

And many a bright-eyed person
looks on the dark side of things.
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30
WHAT PRESIDENTS KNOW.

That the world Is filled with office
seekers,
That 1t is easy to get articles &C
cepted by the magazines.
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30

Shake realities for dice and when
the best one turns up make it your
opportunity.
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30

You cannot SOW weeds in your heart
and keep the burrs to yourself.
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30

The ugly, but beautifully gowned
type of women must admit, willy nilly,
that Eve owed none of her success to
her dressmaker.
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30

Some doctors live well at the ex-
pense of those who are Ill.
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30

One-legged men are not necessarily
good stump speakers.
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30

The day isn't half long enough for
the man who has the map of purpose
before him.
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30

Never shove difficulty from under
your nose-it is a challenge to your
worth; conquer it.
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30

Don't make a show of your position
or you may be as good as a show to
other people.
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30

More men would swear off If their
wives didn't want them to.
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30

1t is the secret of feminine happi-
ness to have, at every football game,
ones gown praised by all the women
and ones beauty by all the men.
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30

That the newspapers are more In
terested in his pranks than in his POI
litical practices.
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30

Many woman has induced her hus-
band to give up smoking by present
ing him with box of gain-counter
cigars.
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30

Making the best Of that which is
wrong is often huttressing an evil.
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30

Do you know of any man who is
trying to get rid of his wealth because
1T doesn't bring happiness?
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30

An elephant works from the age OF
IL till the age of 80. He can haul 15
tons. lift a ton in his trunk and carry
four tons on his back
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30
SIDE LINES.

Hope for the best. but work for the
result
Too much imagination makes us
drunk with ambition.
Failure is nothing more than get
ting lost in opportunities.
The steadfast purpose wins, as each
American career proves to US.
Take other peoples alloy
and gold make serviceable coin.
Shake realities for dice and when
the best one turns up make it your
opportunity.
The day isn't half long enough for
the man who has the map of purpose
before him.
Don't make a show of your position
or you may be as good as a show to
other people.
Never shove a difficulty from under
your nose-it is challenge to your
worth; conquer it.
In this day every man makes his
own drudgery and he has as much Of
it as he himself allows
Be original, like the boy who put in
his diary: Outside accounts, found
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30

If you never dream of the impossible
you will never do the possible.
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30

That he would be satisfied il he
could only make the public understand
what he has to contend with.
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30

A man doesn't necessarily break his
word when he stretches the truth.
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30

Some men who expect mansion In
the sky will have no kick coming II
they are even permitted to occupy al
attic room.-Chicago News.
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30

Ignorance gives birth to lot of
eloquence,
The Telegraph-courier. [volume] (Kenosha, Wis.) 1888-1946, 1909-12-30

When it comes to kissing In the
dark, homely girl is just as good as
pretty one.
The citizen-Republican. (Scotland, Bon Homme County, S.D.) 1???-19??, 1909-12-16
rubal Cain.

Old Tubal Cain was a man of might
In the days when the earth was young:
sby the ierce red light Of his furnace
The strokes OF his hammer ring:
And ne lifted high his brawney hand
On The iron glowing clear.
TIL the sparks rushed out In scarlet
AS he fashioned the sword ana spear,
ana ne sang. .IIurrah for my handiworki
Hurrah for the hand that shall WELD them
For Il shall be king and lord!.
TO Tubal Cain came many a one,
AS he wrought by his roaring FIRE.
And each one prayed for a strong steel
AS the crown Of his desire.
Ana ne made them weapons. sharp and
strong,
And gave him gifts OF pearls and gold.
And spoils of the forest tree.
And they sang "Hurrah for Tubal Cain.
Hurrah for the smith! Hurrah for the Are,
And hurrah for the metal true!"
Ere the setting OF the sun;
And Tubal Cain was filled with pain
For the evil he had done.
he saw that men with rage and hate
Made war upon their kind;
That the land was red with the blood
they he'd
In their luSt for arnage, blind.
And he said. Alas! that ever 1 made,
Or that skill of mine should plan
The spear and the sword for men whose
Is to STAY their fellow mani"
And for many a day old Tubal Cain
Sat brooding Ger his woe;
And his hands forebore to smite the ore,
And his furnace smoldered low,
But he rose at length with a cheerful face
And q bright, courageous eye,
And barred his strong right arm for work.
While the quick flames mounted high.
And he sang, "Hurrah for my handi-
work."
AS the red sparks lit the air;
Not alone for the blade was the bright
steel made"
And he fastened the first plowshare.
And men. taught wisdom from the past,
In friendship Joined their hands,
Hung the sword in the hall, the spear on
the wall,
And plowed the willing lands;
And sang "HIrrah for Tubal Cain!
Our launch good friend is he.
And for the plowshare and the pillow,
To him our praise shall be
But while oppression lifts Its head,
Or tyrant would be lord,
Though we may thank him for the plow,
Wen not forget the sword!"
Charles Mackay.
The citizen-Republican. (Scotland, Bon Homme County, S.D.) 1???-19??, 1909-12-16
Wanted All That Was Going.
From The Outlook.

A bank teller was asked by a woman
for a new envelope for her bank book.
It was passed out, and the lady behind.
noting that her own envelope was a
trifle dingy also asked for a fresh one.
The third woman said, Me, too" or
words to that effect, and SO it went
down the line. When the teller's pa
thence and his stock of envelopes
threatened to give out he determined
to cal a halt.
A fastidiously dressed lady appeared
at the window, holding out a perfectly
gloved hand.
Il should like, one. too, please" said
she.
zone what, MADAME" asked the teller.
The lady flushed and began to look
comical.
why" she stammered, what the
other ladies had"
The citizen-Republican. (Scotland, Bon Homme County, S.D.) 1???-19??, 1909-12-16
THE HARTMAN THAT
HIS LIEUTEMANTS KNEW
az e. j. EDWARDS.

E.. H. Hartman belongs to yesterday,
though his Influence in the railroad
world, like John Browns soul at the
time of the civil war. bids fairs to go
marching on for some time to come.
I'm the makeup of that truly won
derful little man there were many q.
H. Harrimans," said a gentleman who
was very close to Mr.. Hartman for
several years before his DEATH. But
the three Harrimans that interested
me most We're the imperious Hartman,
the stick -to-it-forever Hartman, and
the inscrutable Hartman.
zone day I received from Mr.. Har-
rfman an imperative Geographic sum
mons to meet him the next afternoon in
his office in New York City. Thither
/ hurried over nearly a thousand miles,
all the time wondering what was the
important matter he wanted to see me
about in such a hurry. I nearly broke
my neck, so to speak, in getting from
the railroad station to the office, and
0 a imagine my surprise when I
tell you that for three full hours he
engaged me in the p~leasantest sort Of
social chat imaginable, uttering never
a word about business. Busy though
on his desk-he dropped It all to spend
the better part of the afternoon in
genial and gossipy conversation with
me, and I returned home the next day
without his having spoken a direct
word Of business to me. OF course, he
sending for and talking with me, but
what it was I have never learned, and
I suppose I never shall.
while we were engaged in his to
me puzzling conversation, the door to
Mr.. Harriman's room opened and in
the doorway was framed the huge bulk
Of Mr.. Julius Kruttschnitt, the man on
whom Mr.. Hartman depended abso-
lutely for the proper maintenance and
operation Of his Union and Southern
Pacific systems.
What are you doing here? he
cried, sharply.
well began Mr.. Kruttschnitt, I
had to come to New York on some
matters of importance M while I was
here I thought 1t would be well to call
and see IL you wanted to say anything
to me-.
"Mr. Hartman glared.
"'You did, did your he shouted.
Well, you get u of here! When I
want to see % I'll send for you'll
"Mr. K~ruttschnitt got out hastily,
with never e. word in reply.
That was the imperfous Hartman
the Hartman who had to have some
way Of easing his nerves; and his lieu-
misunderstood this and acted accord
ingly.
but the way In which Mr.. Hartman
stuck to his aims, and his work in par
ticular, interested me most Of all.
II had been president Of one Of his
minor transportation enterprises for
some little time when ne shot at me in
the midst of a strictly business con-
ference, How would you like to be
president Of a real railroad-not a toy
one, such as you now head?'
"'Why, Mr.. Hartman I answered
1 fNk{n piu IT didn't lGnnuy wy, r,yara %hipF-
ing Of retiring from the presidency Of
the Union Pacific
"His Jaw set like a wise, his eyes be-
came steel.
"rwhen I leave that office it will be
feet first he said
"As ali the world knows, that was
just the way he left It,"
lCopyright. 1909. by Z. ]. Edwards.l
The citizen-Republican. (Scotland, Bon Homme County, S.D.) 1???-19??, 1909-12-16

Certain Habits UnconsciousIy Form
ed and Hard to Break.
An ingenious philosopher estimates
that the amount of will power neces-
sary to break a lifelong habit would,
II 1t could be transformed, lift a
weight OF many tons.
1t sometimes requires a higher de.
gree of heroism to break the chains
or a pernicious habit than to lead a
forlorn hope in a bloody battle. A
lady writes from an Indiana town:
From my earliest childhood / was
q lover of coffee. Before / was out OF
my teens l was a miserable dyspeptic,
suffering terribly at times with my
stomach.
II was convinced that it was coffee
that was causing the trouble and yet
! could not deny myself a cup for
breakfast. At the age of SO / was in
very poor health, indeed. My sister
told me l was in danger of becoming
a coffee drunkard.
But l never could give up drink.
ing coffee for breakfast, although it
Kept me constantly i'll, until / tried
Postum. l learned to make 1t proper
~ according to directions, and now
we can hardly do without Postum for
breakfast, and care nothing at all for
coffee.
! am no longer troubled with dys.
pepsia, do not have spells OF suffering
With my stomach that used to trouble
me SO when l drank coffee"
Look in pkgs. for the little book.
The Road TO MELVILLE" There's =
Reason"
Eyer read the above letter. A
neWE one appears from time to time.
they are genuine, true and full Of
human interest
The citizen-Republican. (Scotland, Bon Homme County, S.D.) 1???-19??, 1909-12-16
Too Much Honey.
From the Detroit Free Pre-

From the Detroit Free Press.
Luther B. Burbank, the plant wizard
of California, said of honey, apropos
of a flower that bees love:
This flower grows ab%undantly near
Santa Barbara, and there was one a
young Californian who often visited a
leading Santa Fe hotel because they
have such excellent honey there-a
honey the bees make from this flower.
We'll, the young man got married
In u course, and the wedding trip
itinerary must include Santa Barbara,
SO that the bride might taste this
superb honey.
But the first morning at the Santa
Barbara hotel there was no honey on
the breakfast table. The bridegroom
frowned. He called the old familiar
waiter over to him.
Where's my honey?' he demanded.
THE waiter hesitated, looking awk-
wardly at the bride, then bent toward
the young mans a and in a stage
whisper stammered:
"'Er-Mamie don't work here no
more, sir"
The citizen-Republican. (Scotland, Bon Homme County, S.D.) 1???-19??, 1909-12-16
SOUNDS LIKE A FAIRY TALE.
The Farmers Of Central Canada Rea1
Wheat and Riches.

The Farmer Of Central Canada Reap
Wheat and Riches.
Up In the Provinces of Manitoba,
Saskatchewan and Alberta, the prov
inces that compose Central Canada
have such a quantity Of land suitable
for the growth Of small grains, which
grow SO ~abundantly, and yield SO hand
somely that no fear need be feared
of a wheat famine on this Continent.
The story reproduced below is only
one of the hundreds Of proofs that
could be produced to show the results
that may be obtained from cultivation
Of the lands in these provinces. Almost
any section of the country will do as
we'll.
With the country recently opened by
the Grand Trunk Pacific, the latest Of
the great transcontinental lines to en-
ter the field Of the development Of the
Canadian West, there is afforded added
ample opportunity to do as was done
in the case cited below:
To buy a section of land, break 1t
up and crop 1T, make $17,550 out of the
yield and $10,88O out Of the increase
of value all within the short period
of two years, was the record estab-
lished by James Bailey, a well-known
farmer within a few miles of Regina.
Mr.. Bailey bought the $40 acres of
land near Grand Coulee two years ago.
He Immediately prepared the whole
section for crop Inc this year had 900
acres of wheat and 40 acres Of
oats. The wheat yielded 1885 bush
els. and the oats yielded 1850 bushels.
The whole of the grain has been mar
keted and Mr.. Bailey is now worth
$17,550 from the grain alone. He
bought the land at $18 an acre, and
the other day refused an offer of $35
an acre, just a SIT advance from the
time Of his purchase. The land cost
$11,320 in the first instance. Here are
the figures of the case: Land first
cost, GAO acres, at $18, $11,320. Wheat
yielded 1885 bushels, at "a cents a
bushel, $16,695. Oats yielded ALSO
bushels, at % cents a bushel, 1855.
Offered for land, $40 acres at $35 an
acre. $22,400. Increase value Of land,
$10,S80. Total earnings Of crop, ST..
$50. together with increase in value OF
land, a total Of 28,540.
It is interesting to note the figures
OF the yield per acre. The wheat
yielded 1912 bushels to the acre, and
oats 1887 bushels to the acre. The
figures are a fair indication Of the av
erage throughout the district.
Agent Of the Canadian Government
in the different cities will be pleased
to give you information as to rates,
etc.