davidaulloa/AmericanStories huggingface dataset:
The Washington times. [volume] (Washington [D.C.]) 1902-1939, 1910-10-09
LONGING FOR LIGHTS,
STILL UNSATISFIE
Lillian, of Lynchburg, Taken
Home After One Day
In City.

One night among the bright lights OF
Washington, and then, today, pretty
Lillian Ford, of Lynchburg. Va, started
back TO her home, accompanied by her
father, for Lillian left in the first in
stance without having consulted her
parents
Yes" Lillian told the police, lynch
burg IS a beautiguI little place, but a
girl sometimes wants 10 see what other
girls have seen OF the brilliance and
CAVITY Of the larger cities"
But Lillian reckoned without consider
ing that she doesn't even look a good
eighteen years old, and that the police
and the good people Of Washington are
always on the lookout for strays from
the parental fold.
That was why, after Lillian arrived
here yesterday and engaged room and
board at a ro0ming house. that the
police knew Of her arrival. A few ques-
lions by the officers Of the First pre-
cinct satisfied them that she had no
business here alone, so they teIegraphed
her father. who lives at I72l Summers
avenue, IN the Virginia town.
Mr. Ford arrived here early today
and SAW his daughter at the House
OF Detention, where she spent the night
in care Of the matrOn- There was no
charge against her, so she was allowed
20 90 with him when he took the train
al II O'Clock this morning
There are many girls who do Just
what Lillian did And that is the rea-
son why a lookout for another girl cam
20 police headquarters this morning
The second girl. who may be here. is
isabel Embrey. Of Chattanooga. -Eenu
She Is fifteen years old, and the police
there, on behalf OF her parents. have
offered a reward OF $40 for any in
formation as 20 her whereabouts
The young girl, according = Chief Of
Police Mcmahon, Of Chattanooga. left
her home early on the night of Octo-
Der l. She - FIVE feet two or three
inches tan and weighs about 100 pounds
Her hair is very dark and wavy, her
eyes brown. her forehead prominent. her
broWs arched. and she is considered
very gOod-Iooking
The Washington times. [volume] (Washington [D.C.]) 1902-1939, 1910-10-09
Miss Annette Smith
To Be November Bride.

The date for the wedding Of Miss An
nette Smith. daughter OF Mr. and Mrs.
w. Scott Smith, and Whitney kipp. Of
New York. has been set for Saturday,
November y. The ceremony will be per
formed in All Souls Unitarian Church.
by tho pastor. the Rev. L. @. Is. Pierce.
Miss Mabel Scott Smith, sister of the
bride. and Miss Jane Grey Gardner will
he maids OF honor and the bridesmaids
VIII be Miss Helen Durnin, Miss Har-
riet snow, Miss Lillian Nenaugh, Miss
Esther SWEET Miss Edith SWEET. and
Miss Louise Gin. Of Baltimore. a cousin
Of the bride.
Albert kipD. Of 81. Louis, will be best
man for his brother, and the ushers will
The Washington times. [volume] (Washington [D.C.]) 1902-1939, 1910-10-09

coast, and South. viii return TO Wash
lnEtOn about the FIRST week i'm NO.
Eember. Mrs Meyer and the Misses
Meyer vii! remain in Hamilton. Mass
until the return of the Secretary
The Attorney General and Mrs.
Wlckersham viii return 90 Washing
ton this evening from Marshfeld
Long Island, their summer place GIr
WlckerSham left Washington Thurs
day 10 join Mrs. Wickersham and ac-
company her here
The Secretary OF Commerce and La
Dor and Mrs. Nagei and their family
have returned 90 Washington from
their summer place at Marion, Mass
and have opened their residence for
the season.
The Washington times. [volume] (Washington [D.C.]) 1902-1939, 1910-10-09

be Roswell SNOW, Fred Pitzer. Frank
Bergen. George Daniel Narcv. of Port
land, Y. FL, Charles Lewis, Of ST
Louis, $40. +. Louis Maxim, Frank H.
West, ana Waldo Mclean. or New York
Miss Edna scott smith. sister of the
bride, viii sing several solos and tie
wedding music will be PLAYED bv Mr.
Walters the OrSanist OF the church.
\ reception for the wedding party and
few intimate friends will follow the
ceremony at the church at the home Of
the brides parents, on T street.
Mr.. Eipp. who is the son OF MIR. and
Mrs Eden Kip, OF this city. was for
mcrlv of Washington. but has made his
nome in New York for the last several
wears. Mr.. kipp and his bride VIII re-
side in Brooklyn. y. Y.
The Washington times. [volume] (Washington [D.C.]) 1902-1939, 1910-10-09
Secretary MacVeagh
Returns Late In Month.

The Secretary Of the Treasury and
Mrs. MacVeaBh, who are still at their
summer place at Dublin. y II. will
return TO Washington about October
20.
making a tour Of the West. Pacific
The Washington times. [volume] (Washington [D.C.]) 1902-1939, 1910-10-09
JULIA DENT GRANT
WEEDS IN MICHIGAN

ADRIAN, Mich, oct. 9.-JuIia Dent
Grant. granddaughter Of former Presi-
dent Grant. and daughter Of L. s
Grant, jr-, Of san Diego. Cal. has be-
come the bride Of Edmund G. King. Of
Portland. ore.
They were quietly married here yes
terday at the home Of great aunt OF
the bride MIS- A. n. Wood. After a
wedding breakfast, the couple left f0r
New York on their honeymoon. They
viii reside IL Portland.
The Washington times. [volume] (Washington [D.C.]) 1902-1939, 1910-10-09
LOCAL MENTION.
Civil Service Examinations.

The Drillery has engaged an ex-Civil
Service examiner TO head its commercial
department. II you want 10 prepare
for an examination, come 20 the school
that can prepare YOU
THE DRILLERY,
100 New York Ave.
The Washington times. [volume] (Washington [D.C.]) 1902-1939, 1910-10-09

The former misister Of Ecuador, F. L.
Carlo, and Miss Anna Carlo and Miss
Theresa Carlo have arrived in WASH
lnEJon from the mountains Of Pennsyl-
NanIa, where they spent the summer
Mrs Carlo and Miss Angelica Carlo
viii return to Washington within a few
days. They viii spend the season here.
Mr.. and Mrs. Alexander McNeaI and
their interesting family have returned
10 Washington after spending the sum-
mer at their place in Nova Scotia.
The Washington times. [volume] (Washington [D.C.]) 1902-1939, 1910-10-09
Washington

Washington, Baltimore & Annapolis
Electric Ry. operates GO limited trains
each day between Washington and Bal
timore, leaving 18th & y. Y. ave. y. w,
on the hour and half hour. Also hourly
trains TO Colonial Annapolis. and the
great Y. S. Naval ACADEMY
The Washington times. [volume] (Washington [D.C.]) 1902-1939, 1910-10-09

Mr.. and Mrs. James Sharp, Of Cleve-
land Park, have issued invitations for
the marriage Of their daughter, Miss
Margaret EStelIe Sharp, and DIT. Ralph
". Crane of Stamford, Conn, on We'd
nesday, October %. at the home Of Mr..
and MIS-. Sham.
The Washington times. [volume] (Washington [D.C.]) 1902-1939, 1910-10-09

Sea Foods, Steaks, Chops, Salads, Etc.
Phia. Oyster & Chop House. 5l3 18th NV.
The Washington times. [volume] (Washington [D.C.]) 1902-1939, 1910-10-09
Return To Capital
After Touring Europe.

Mr.. and Mrs H. s Reside and Miss
Elizabeth Recside. who have spent the
summer touring in Europe. are expected
Vember.
The Washington times. [volume] (Washington [D.C.]) 1902-1939, 1910-10-09

The Charge d-Anaires Of Argentine
Republic and Mime. de Villegas and
their daughter, Senorita Maria Helene
NIlle=as. has returned from Manchester,
where the legation was established dur
ing the summer. and have opened their
house for the season.
The Washington times. [volume] (Washington [D.C.]) 1902-1939, 1910-10-09

Mr.. and Mrs. Maurice W. o'COnuOr,
whose marriage took place at 81 DON'T
MICS Church on September y, have re-
turned 10 Washington from their we'd
ding trip, and will be at home after
October 1G at 1917 @ street Suut beast
The Washington times. [volume] (Washington [D.C.]) 1902-1939, 1910-10-09

Miss BERTHE Vivian Clark. Of the New
Berne, is spending some time IN New
York, the guest Of Mr. and Mrs Albert
Johnston.
The Washington times. [volume] (Washington [D.C.]) 1902-1939, 1910-10-09
Mrs. Hornsby
Opens Residence.

Mrs. Isham HOrnsby has returned r.
Washington and has opened her resi-
dence on ] street for the season, after
spending the summer with her son-iu-
law and daughter. Col Robert X.
Evans, L. 5. A., and Mrs. Evans, al
Fort Smelling, near St Paul.
The Washington times. [volume] (Washington [D.C.]) 1902-1939, 1910-10-09

Mr.. and Mrs. Harry G. Mclean, &C
cOmpanied by Mrs. Blake AMI Miss
Clara Mae Blake have returned ID
Washington from Atlantic City.
The Washington times. [volume] (Washington [D.C.]) 1902-1939, 1910-10-09

We want to have a little
talk this evening with the
young people-the couples
who have just been married
or who are planning for If.
Daily press. [volume] (Newport News, Va.) 1896-current, 1910-07-21

In Elizabeth City County Circuit
Court clerks Office:
This certiHes that the bond re-
,,uired Of the above named commits
sioncrs BY the above mentioned de-
cree OF April 81. 1910 has been given
iefore me in my office. Given undei
my hand this 18Th. day Of July 1910.
10 IT. II. HOLT. Clerk
Daily press. [volume] (Newport News, Va.) 1896-current, 1910-07-21
TOLEDO MAN BUYS THE
LEONARD SHEETZ FARM
Peter Langendorf Purchase Property
in County and on James River
at $4,000.

Announcement was made yesterday
of the sale OF the fam of Leonard
Sheetz, 81, three miles from hamp-
ton. to Peter I.ansendorf. of Toledo,
Ohio. The farm contains l65 acres
and is one OF the best in this section.
Mr.. I.angendorf made the purchase
through NJ otto lackey, manager oil
the Phillips Gackoy Company. and Il
is understood that he will bring MS
family here within few weeks. ~
expects TO erect a new residence on
IN property and TO make the place
an attractive summer home. as he D.
n prosperous merchant OF Toledo. m"
purchase price is given at $lo.0oo.
Mr. 1angendorf also yesterday
closed the deal with Nj. Lackey Tor
another farm on the James river, tn@
purchase price OF which is given AZ
s. 900. Ii was sand that he bougf'
the James river farm for speculative
purposes.
Daily press. [volume] (Newport News, Va.) 1896-current, 1910-07-21

Speaking about Deviled Crabs
Why not go to FULLERS? That's the
Only place where you can get the
Devil. II
Daily press. [volume] (Newport News, Va.) 1896-current, 1910-07-21
SOCIAL-PERSONAL

Rev. Granville Waller. ID. d., oil
Louisville, Ky. reached the city yes
terday TO spend several weeks w'ta
Rev Reverdy Estill. d. D., at the Epis-
ccpal rectory.
Elliott Hudgins left last evening for
visit of several days in Baltimore.
Mr.. and Mrs. A. w. Hughes, of Ur-
bana: Mrs. Cassie Williams and Mrs.
George ". Hughes, of Mathews coun-
ty, are the guests of Mr.. and Mrs. J.
T. Hughes, in Creek avenue.
Mr. and Mrs. James Gosney, of Ra-
leigh, y. C., accompanied by their
daughter, are the guests of Mr.. and
Mrs W. s. Hudgins, in the West End.
Mrs. Charles F. Rust and little son,
OF Havana, who have been visiting
Mr. and Mrs. +. II. DOre, in Phoebus,
have left for a visit to Philadelphia
Mrs. Edward Penn and children
have gone TO Alexandria. where they
will spend several weeks
Mrs H. p Candy has left for a visit
of several weeks in Newport, y. j.
Mrs. 6. r IIuck has returned TO her
home in Norfolk. after visiting her
sister. Mrs. r. L. Wilson, in Hope
street.
Mr.. and Mrs. David Lee and chill
dren have left for blackstone, where
they will spend several weeks.
1 Miss Morris Spencer. who has been
wishing on the Eastern Shore for the
past ten days, has returned home.
Miss Grace Tyler left yesterday for
Alexandra. Va, where she will visit
for several weeks.
Miss Jane Devine. OF Philadelphia,
is the guest of Miss May Baulch, at
Old Point.
Rev. Dudley BOocher. formerly rec
tor at Old St Johns. is visiting
friends in PhOebus.
Miss BESSIE Richardson left yester-
day for Gcldsboro. y. G., where she
will visit friends.
Mr.. and Mrs. T. 2. Woodland and
Miss Olivia woodland. Of New YORK
, are visiting Mr.. and Mrs. VI F. Digs
in Linden avenue
Daily press. [volume] (Newport News, Va.) 1896-current, 1910-07-21
FOR SALE.

FOR SALE-CHEAP; ABOUT
three wagon loads of boxes ana
crates; rs pine. Apply at Full
LERS HOTEL, Phoebus. %
Daily press. [volume] (Newport News, Va.) 1896-current, 1910-07-21
Christian District Missionary
Society COnveneS Aug. 9.
COMMITTEES ARE NAMED
Prominent Ministers of the Denomina-
ton Will Attend Gatherings at
Church of Christ on Chapel Street
Elaborate Preparations.

The forty fourth annual convention
OF the Tidewater District OF the Nir-
gnia Missionary Society will be held
with the Hampton Church OF Christ
on Chapel street. August 9, 10 and
H. Elaborate prepa, atoms are beng
made Tor the entertainment of the
delegates, which will number about
$50.
Prominent ministers Of the Chris
tian church from all parts of the
United States will be present. 1t IS
expected that Rev A. Mclean, plesl-
dent of the Christian Foreign Mission
airy Society. with headquarters in TN
cinnati, Ono. and Rev. George X.
Muckley. secretary OF the Christian
Church Extension Board, with head
quarters in Kansas City, Will deliver
addresses. Rev. Peter Ainslee, OF
Baltimore. Md, and a host of others
will bring t.dings of the work in dit
ferent parts of the country.
Elaborate Program.
The program, which is now being
made up by President J. l.. Hill. Of
Richmond, will be an elaborate one.
The three days Of the convention Will
be divided IS follows:
Tuesday-WOrk of the Christ an
Womans Board of Missions.
Wednesday-Ch work in Nir-
ginia and the home land.
Thursday-Divided between the
Christian eadeayor work and the
larger part Of the Bible school.
The following have been appointed
On the various committees preparing
for the convention:
The Committees.
Committee on homes-Mrs. r. ;.
Tennis, Mrs. Chapman Mrs. Walker,
Mrs. Samuel Dunn and Mrs Currier.
Daily press. [volume] (Newport News, Va.) 1896-current, 1910-07-21

Committee on entertainment-R. ).
Tennis, Mrs. Sue Richard on Mrs. W.
l.. Post. Elliott Hudgins, Miss Alice
Wood and II. A. Powell.
Publicity committee-E. Brackle and
Rev. !. A. Jayne.
Table cOmmittee-Ladies' Aid So
ciety of the church.
Reception cOmmittee-Mrs. J. A.
Jayne, Mrs. II. l.. Tennis. MIS-. X. s.
Tennis. Mrs. w. A. Roundtree and
Mrs. s. c. Reese.
Music ccmmittee-Ms SIS Halle Ten
mis-. Mrs. Mary McKaig and Mrs. Smell
ton.
Daily press. [volume] (Newport News, Va.) 1896-current, 1910-07-21
GOES TO CONNECTICUT.

George W. Buck. OF Normal School.
Appointeo to Position.
George ". Buck. who for fourteen
years has been Instructor in carpentry
at The Hampton Normal school. VIZ
yesterday elected instructor o! The
Connecticut state Normal school N
bridgeport lie will take charge 81
his new position about the first Of
August having sent his resignation q
The Normal school authorities yestor-
day.
Daily press. [volume] (Newport News, Va.) 1896-current, 1910-07-21
Aoes NEGRO Woman Dead.

Nancy James. coiorcd. 50 years cd.
who has been I servant in the D'ggs
family IN Fast Hampton for a nun
ber Of years. died Tuesday from Ole
age. Tho body was buried yesterday
ard the funeral vas attended b. =
number q white people.
Daily press. [volume] (Newport News, Va.) 1896-current, 1910-07-21
Trolley Ride Friday Night.

Willing Circle OF Central Methodist
Episcopal church viii give trolley
ride Friday night. June p. At $50
O'Clock. leaving Chapel street The
trip viii include Old Point. Newport
News and Buckroe Beach. Every
body IL invited. Tickets viii be On
sale AZ the grocery store OF 7. :.
Penny. 1871
Daily press. [volume] (Newport News, Va.) 1896-current, 1910-07-21

II - tastes good. 81 is McGinnis' rive
Otherwise FULLER & Son. would not
handle IT, They only sell good tasting
things. ~
Daily press. [volume] (Newport News, Va.) 1896-current, 1910-07-21

Cook With Gas.
Daily press. [volume] (Newport News, Va.) 1896-current, 1910-07-21
HAMPTON. PHOEBUS AND Old. Pol


LOST-A LADIES' SMALL PURSE
containing a sum OF money Sunday
morning on cars between Newport
News and Hampton or on street In
Hampton. Liberal reward paid Tor
It's return to HOTEL WARWICK.
2t.
Daily press. [volume] (Newport News, Va.) 1896-current, 1910-07-21
BUYS CLARKE PROPERTY.
Mr.. Morgan Sells Old Point Wharfin
ger Residence in Phoebus.

David A. Summer. the United States
wharnnger at Old Point, yesterday
purchased the residence OF Mr.. and
Mrs. William F. Clarke. i'm Booker
street. Phoebus. The sale was ne
gotiated by NJ. II. Morgan. the Hamp-
ton and Phoebus real estate dealer,
and the price paid for the property
was 81 ,S00. This makes the fifth sale
reported by Mr. Morgan during the
past several days, the total monetary
consideration in the sales reaching
nearly $4,000.
For the past several days consid-
cradle activity has manifested itself
in real estate circles and the several
agents declare that the prospects for
more changes in the near future are
splendid.
Daily press. [volume] (Newport News, Va.) 1896-current, 1910-07-21
SALE OF VAL
LIABLE REAL ESTATE IN HAMP-

The undersigned, special commits
eioners, for the purpose appointed III
the consolidated causes of Bank OF
Hampton VS.. Thos. l.. LeWelling, Ell
els. and First National Bank of Hamp-
ten VS.. same, pending in the Circuit
Court Of Elizabeth City County, will,
in pursuance of a decree entered in
said causes at the April term, 1910,
of said court, on Monday, the 25th day
of July. 1910. at IL o'clock noon, in
front of the court house door, IN the
City of Hampton, Virginia, offer FOR
sale at public auction to the highest
bidder for cash, the following describ-
ed real estate, in parcels as follows:
Parcel One: Lot 70, in the City OF
Hampton. Virginia, as shown on plat
of p. Davis land, of record in Eliza
teth city county clerks office, in deed
book q. al page 50, bounded on the
south by Holt street, 35 feet, and
running back between parallel lines
ninety feet
Parcel Two: Lot 16 on the same
rat, adjoining said lot IS. and OF the
same size and dimensions.
Parcel Three: Lot II in block n.
a the Whitehead-Tucker tract in
Warwick county. Virginia. conveyed
- Lewelling Brothers by deed OF
Z homas Tabb and others, dated May
q. 1900. and of record in deed book
%. page 81 in said Warwick cOun-
IL clerks Office.
This property will be sold free
from dover. The purchaser OF each
parcel will be required TO deposit
twenty rer cent. Of his bid in cash.
the balance 10 be paid upon confrma-
ton of the sale by the court.
s. ]. DUDLEY.
s. G.. CUMMING,
o. ID. BACHELOR
Special Commissioners
NJ. II. MORGAN.
Auctioaeer.
Rocky Ford enterprise., 1910-08-05

1t matters little how good the herd
or how convenient and perfect its en-
vironment unless supplied with feeds
in proper amounts and quality. 1t Is
customary on the farm in the corn
belt for the farmer to content himself
with the raising Of corn largely. and
in the past it has been too often the
case that corn was used as the sole
ration for every class of farm anil
mails. and 1t was believed that as
good results could be obtained by the
use of corn and corn alone as though
other feeds were used In conjunction
with it. Corn in years gone by has
been cheap in price and it has been
possible for the farmer in the corn
Dbelt TO raise large yields annually.
During the past few years. however.
although the crop has yielded as large
ly per acre, the price has continued
the farmer feels that to feed 1t in
such way there Is a waste which
brings about Improbable results.
This is true and. furthermore. It is
true that where corn is fed alone. es-
pecially to dairy cows. there is in
Cured a very large waste Of feeding
nutrients and profits. After any ami
NAL has consumed certain amount
of corn 1t is impossible for him to 81
gest and assimilate the nutrients out
OF any larger amount Of this one ma
terial even though he has the ca
pacity of consuming double that
Rocky Ford enterprise., 1910-08-05

which he can use probably. After
a certain amount Of corn is fed to the
dairy COW. all in addition to that Is
either wasted by passing on undi-
gested or is converted into fat and
laid upon the body. which is worse
than wasted because It taxes the d.
gestive apparatus and goes to produce
beef which not only has no value. but
is absolutely a detriment to the best
work OF the COW.
Other Feed Than Corn Necessary.
In consequence OF this the dairy
farmer has learned that 1t Is neces-
sary for him to supply some feed
with the corn raised upon his farm
that contains those nutrients In which
corn Is lacking. He knows that n
balanced ration means nothing more
nor less than the supplying OF the
different feeding nutrients in proper
proportions so that the ration is the
cne which will produce the greatest
amount of milk and butter fat at the
least cost Such a ration Is made up
by supplying a proper proportion Of
carbohydrates and fat which are
Rocky Ford enterprise., 1910-08-05
4 EORHOeSAv 4ALE

also contains much gold. 1t should be
added that the Atayal tattoo their
faces very elaborately. and build ele-
giant huts of bamboo. over the door
ways of which are hung as trophies
the skulls of wild boars and apes. and
sometimes those of Japanese and
Chinamen-the latter with pigtails
still picturesquely attached.
They make bags OF a peculiar net
work expressly to carry human heads.
One chief. when captured and about
to be executed. said: 81 have no fear
of death. have taken ninety-four
heads and wanted only six more to
make the hundred"
History tells us that the Spaniards
took possession Of Formosa In the
Dutch In 1852. Nineteen years later a
Chinese pirate chief named Koxinga
drove out the Dutch and proclaimed
himself king of the island. but In 1862
the Chinese dethroned his successor.
and Formosa remained n province OF
the Middle Kingdom up to the war be-
tween China and Japan. as result
of which It passed into the possession
OF the Mikado's empire.
A glance at the map will show that
Formosa IL really the nOrthcrmost ISL
and of the group which we call the
Philippines. being situated only a
short distance to the north Of I.uzon.
Its wild people are undoubtedly OF
Malay origin. But its earliest inhnbi-
tants were black dwarfs. belonging to
the same race as the pigmy negritos
who still survive In small numbers In
Luzon. Many of their skeletons have
been found in the mountainous inte.
rior. and 1t Is reasonable to suppose
that they were exterminated by the
savages who now occupy their terri
tory.
As already stated. these savases
have never been subdued. From nm
chronological point OF view. they are
moro than ordinarily interesting.
Their garb ranges from nudity to gay
colored garments of their own weav-
ing. made from the fbers of banana
and ramie. Tho women are kindly
treated and have equal rights with the
men. But II n wife loses her husband
after the birth of a child she Is not al.
lowed to marry again. the idea being
that her business thereafter Is to nt.
Rocky Ford enterprise., 1910-08-05
Feeding the Dairy Cow

to raise upon his farm those foods
which supply in the cheapest and best
forms all the protein that is demand
ed for balancing up the corn which he
raises. This can be done by dividing
the farm. practising rotation of crops.
which is one of the most efficient
methods of retaining the fertility. and
by growing less corn and more oats.
barley. clover. alfalfa. sweet clover.
etc.
Raise Feeds to Balance the Ration.
1t is perhaps a fact that there are
farms in the corn belt that will not
grow any particular one Of these
legumes. but it is. furthermore. fact
that there is scarcely a farm in the
corn belt but what will grow some
one of these legumes and 1t is a duty
which the farmer owes to his cows.
to his bank book and to his farm and
to himself to raise and feed more Of
these other products and less Of the
corn. In doing SO he will find that
1t requires less corn than it has In the
past and that his profits are greater.
that his cows produce more largely
and that his farm retains its fer
tility to a greater degree than ever
before.
Study Of the Cow Advisable.
This, OF course. means lifetime
study on the part of the dairyman
the same as profitable and proper
banking methods demand lifetime
study of the elements Of the banking