davidaulloa/AmericanStories huggingface dataset:
Putnam patriot., 1911-01-20
81. Phlllp ; Church

The Rev. sidney n hxaa Is spea,i.
Ing a week Ia New York and New Jef.
49, Owing 10 his absence the follow
ING SERVICES ~tii he emitted
Friday, Ian. -, 80 p. M. Evening
rfHsct
SUNDAY. Jan. =, a. m, Holy Com.
munioa.
Wednesday, Jsn. -. . a. M, holy
Communion.
Friday, Jan. =, s.so p. m. Evening
Prayer.
ua Sunday. Jan. -, The services
will t~ In charge Of Mr.. sidney ",
bard, snd ~ill he ~ follows.
10 10 .. IA Morning PRAYER.
u. thuah school.
p. IA. ksenins Prayer.
III. Philips 6asld vii. bold CAKE
snd apron sale on the afternoon az
Thursday, Jan. N, al Mrs. Paynes..
Grove street
On oandss Two lnfants we're hap
ttsexi and secrlsed into the church.
On Monday afternoon Ifsx Rev. r
ksds~d hrowa. Achdescon u New
London, wsa In town and met the ex.
ecstise commilire.
Putnam patriot., 1911-01-20
rsar xlconsTocK

Rev. George r Naifrs Supplied the
pulpit 81 the Congregations eiiufeh
sunday morning giving his heafefs 2
fine and profitable discourse upon ille
return II The prod gal On. and h0N be
sss Joyfulfy feesisesi hy hts faihef.
Res. T. 4. Tuner IS slowly Impfog-
ing.
The Congregational -abbs;h seiaeol
meets sunday at Il Is All are sci
come. New elssses are being added.
Come and Join them.
Mrs. l.. ". Iandems8 j. visiting
| friends IN Vernon, and fef brother IN
New Haven.
state Mister l.. n Hesiey Is attend
ing the dairynen meeting In Hart
ford this week He niso visited Dam
bury grange Tuesday evening.
&. IA. Rillsm il also attending the
dsirYn1en's meeting 81 Hartford, and
visiting friends in Nsifingfofdt SeS
Haven, and Windsor Locks.
Parties sre busy this ~eek harvest
ina the ice crop. II is very clear and
thicx.
Mrs. T.. N. Lindeman il visiting her
brother. SIlas A len. and family IN
New Haven. Sesdd Petersen is as.
slsling 81 Mspie~ood during her at-
sence.
George Underwood Is boarding at II.
r. Comings
Rev. T A. Turner Is able e De oat a
very little RE- t4eofge = aIefs again
supplied al the congregational church
last Sunday.
william Hastings and Ms Jane
IS afferl spent Tuesday IN BaaieIson.
Mlss NeiIIe Pfati returned ffen
Dudley lsst S ettuesds3.
Matter clemens is so ihe siek Iist
fhIs Week
til Potter and wIfs zpeHt TIE
ssssk end viii Their saH, 5 iiIs1n Pot
Ter. and sife o. Lakeside On Their re
tam from stale Rfange meeting
4 dozen 81 more IF our citizens rs.
paaslea . Use alarm II afe Monday
morning 81 b o. clock chimney tax
ing ire Al the Town farm thfee miles
Wtsf lac SMOKE poured into ell the
rooms alarming the Inmates + was
soon under control aud ne serious
damage y - done 4 high sind WIS
blowing 81 thc time aasi owing - tie
SCARCITY Of satef a IRE once Stated IL
would IL impossible - check #.
Mis- Fidssie Alton. teacher II Center
school. Is boarding With Byron Bates
aud family during The winter term.
Putnam patriot., 1911-01-20
Saturday at the Store
of
e. Mullan
FOR CASH

II lbs. White or Yellow Meal Csc
Large Pail Silver Leaf Brand Pure Lad.
$i37
Medium Pail silver Leaf Brand Pore
Lard, zoe
Genersi Putnam, Plllsbury's Best or
Geld Medal Flour 79c bag
Pastry Flour, 69c bag
Compound I.srd 10c 10.
Smoked Shoulders Tic ID
Bacon Use
Ghocolste Fingers. Cheese Waters, or
Matinee Biscuit, &c pkge
3 cans Corn, Peas, Lima Beans, or clsms
use
5 Gal. Oil. 3sc
Fancy New Crop New Orleans Molssseses
Toe
III Extra Large Rsisins. 26c
Heinz famsfoe ; up, Toe can
Cold Msosi Cocoa, lsc
Bakers thac' ate, 50
p lhs Fine sr+Buiated Sugar. II 90
10 the purchaser OF a pound nntk
eafe
Tub Gfes nefy Butter 81 u
\ iiaW Eve Bans. : q
Caoiee Porte K 60 aolasses. sse al
in. " aela Rec 25e
PORK To- 70
Good BEss. ID dor
Putnam patriot., 1911-01-20

state u C.anRs~ssaeas. essanty " wiadbam. =
L. = ~ t,iipatrse. Cashier al the ab4ve.
aSfnsd bank. do solemnly swear thar the above
statement IS true 10 the best Of lay knawltsiss.
afa helief. h. GuPsTktc Cashier
subscribed AMI sworn To 6efart Ene This 10 a
dsY ai January. 1871
teHS 4. RyR>s
-. Notary Public
si;a al. ! iI,..ssearos Directors,
Putnam patriot., 1911-01-20

According 20 order No sJ1 Of
Abe Post Office Department subscri-
bsrx cannot he indebted 70 ne~sps-
yer more than one year and stiii pave
ne paper sent 10 them NJ the second
eIsss rate. The order reads A. follows:
A reasonable time will be Seo
oubilsbers 70 secure renewals Of SUD-
rsspsions, but unless subscriptions are
sxprexsgy reneared after the term fof
Which they are paid, within the follow
sag periods:
bnIses. within three months
Wsesiies, within One Year.
they shall not he counted In iilf iesiu-
spaie lat of subscribers. and copies
mssIed on account thereof sa1ill not bs
oooeJ,ssd for mailing al TIE second
class postage rate 81 one cent pound
bat may be mailed 81 The transient 80
md eissu postage tste of cent fof eaeh
soar ounces ~ fraction thereof, prepaid
BY stamps affixed
Putnam patriot., 1911-01-20
State Grange Convention.

state Master l.. Ii. Heaiey, Tuesday
morning, called the 18th annual session
of the Connecticut State Grange to or
not large at the opening.
An interesting feature which follow
ed the roll call, was the singing Of an
original song, composed by Mis-. Alice
r. Wilbur, OF Wolf Den Grange, Pom
| fret, and dedicated 10 the Connecticut
| -tate Grange. The words were set To
the tune Of Marching Through Geof-
glan
The various standing committees
~efe then appointed.
Before the three days session closed
a large amount of important business
was transacted.
Among the resolutions offered Was
one asking the present Leg islature TO
make adequate PROV ision for agrieuilu-
raj education sud instruction In the
public schools Of the state, and that
The Stale aud towns share in the ex.
peuse. The idea is similar TO that OF a
bill presented by the stale Board of
Education of Massachusetts TO their
Legisiature--a synopsis of which will
be found elsewhere In this issue.
Wednesday morning resolution
was introduced which put the State
Grange ON record as re affirming It's
action regarding the public utilities
bill, approved In 1910 by the State
Grange. endorsing the bill ss prepared
by the State business Mems associa-
ton, and stating that the State Grange
expressed Itself as opposed 10 any court
of commerce proposition.
The report OF W Ill. Barron, Mana.
ger OF the Patrons Exchange, Of Con.
necIicut WAS read by bin. He said
that many OF the difficulties encoun-
tered ia the first year ot the business
have been overcome in the past year.
Manufacturers and ioe ocrs have been
more willing 10 sell Us goods The Ex-
change furnishes means 10 enable pa
irons to have sanplie~s delivered al the
nearest railway station at The lowest
possible cost
Al the election Of officers Of the TX.
change President Ilealey said he would
not ee candidate again. The follow.
lng Officers weFe elected.
ftesisieat-N alter : tfine, Derby.
Nice etestdent-Ard Melton, Ply
mouth.
SeerrtaFy-u r Blake.
Manager and frsasuret-W H.
karas
" Il. hammond. Of Hampton. wss
elected msmeerel The Advisory Com.
mitlee
The Grange also favers the parcels
post, and adopted a resolution asking
immediate action.
The Patrons Mutual Fire insurance
60, from its officers reports, indicates
that IL is growing in success and popu.
lasiIs.
IL MAS voted that memorial rcsolu-
tons he drawn ap on the death OF DR.
Geo. Austin Bowen. OF Woodstock.
The Old directors were reelected.
The convention closed its iahoss on
Tharsd y. Reports were heard In the
forenoon and acted upon. Toe after.
noon session Was tskcn up with al.
dresses The tirss ~ns by Hon. Ken
yon l. Battertield. Of Amherst, Mass.
President Of the Massachusetts Agri-
cultural College, who spoke on " The
9sange OF Tomorrow.
Mayor Smith, Of Hartford. spoke In
the evening Al an or<a meeting
Tax Commissioned Ccrhia spoke
afiedy on taxation.
President {. l.. Beach. OF the Con-
necticat Agricultural college, made
The ciosing address.
The Coaveasion then ciosed In fosu.
Putnam patriot., 1911-01-20
To Hothers Ia This Tc~u.

thsldwn " no are delicate, fsverash
and cfess Will gel immediate riief
from Molher Trays sse~l Powders
for shslsirva. They cleanse the slosn
seh, sci on the liver. and are recon.
nented for complaining ehildren. A
Pleasant Fesnesiy Tor worms Al all
Druggists Nc. Sample Ere. Ad>
dress, A. ;. 0lmstsI, lie Roy. y. Y.
30
Putnam patriot., 1911-01-20

Harsh pnssics r~acs, weaken the
bowels. csae chroaic coasIipstion
IAoaaAs kexalsts operate essiiy, tcne
the stasasca. cure constipation. Sc
Ask yoas dsuxgsss tor them.
Putnam patriot., 1911-01-20
Notice.

The members of the Board of Relief
will meet in the City Council Cham.
Der from 10 10 l. and > TO o'clock
every week day except Saturday from
Feb. LIST until further notice.
JOSEPH PLEssIs,
JAMES b. TATEM,
RUFUS LAPALME.
3-6
Americus times-recorder. [volume] (Americus, Ga.) 1891-current, 1911-03-07
A FINE COUNTRY FOR HOG
RAISING.

Hog raising has been carried on
quite successfully in this county in
recent years and it has been conclus-
lively shown that there is money IN
the raising of the porkers for market
Near Americas there are to-day sew
eral parties engaged in the raising Of
this class of stock for the market on
quite an extensive scale Their ex-
perience has been that the climatic
conditions are quite favorable, that
there is no difficulty experienced that
would not be met with elsewhere under
advantageous conditions, and that
there is apparently no reason why
thousands Of hogs should not be
raised hereabouts every year.
Down in Brooks county and adjacent
territory they are doing this very thing
on quite an extensive scale Brooks
county hams, it will be recalled, have
had an enviable reputation for years
and are eagerly in demand at profitable
prices to the producers. Here is what
the Quitman Free Press says of recent
developments along this line there
abouts. 1t will be Of interest to not
only our pork raisers but to the farm
ing public OF Sumter and vicinity gen
orally:
As a pointer of what the Brooks way
of raising hogs for the market it may
be stated that within the past three
months forty cars Of hogs on foot have
been shipped abroad from Quitman
A car will contain about 1870 hogs,
making total number of 5000 The
value of an average car of hogs a!
5 1-2 to cents is 81 900, therefore it
will be seen that the local dealers here
have bought and shipped not less than
$40 900 worth of live hogs within the
past three months.
Messrs. Frank T. Hardy and VIM.
Trenere have handled the larger part
of these shipments and are planning
to greatly enlarge the scope of their
operations next year.
AS only a small part of Brooks
county hams and bacon have been
marketed, it is impossible to make
even an approximate estimate of the
hogs and bacon and lard that will ue
sold by the Brooks county farmers this
season and shipped abroad, but it will
unquestionably run up to a very large
figure
1t is estimated by careful farmers
that hogs, ready for the market, can
be raised at an average cost cf about
2 = to 3 - cents per pound, owing
tt the care and good management Civ
en- them, by which it will be seen that
the hog crop is one of the most profit
able that can be grown.
Numbers of farmers are planning to
largely increase their hog crop for the
next year, new and improved breeds
being gradually introduced
Americus times-recorder. [volume] (Americus, Ga.) 1891-current, 1911-03-07
. = = = y y y y y y y =
y BARRFTT'S PICTURE OF con- =
= GRESSMEN.

= p
= BARRETT'S PICTURE or con- =
GRESSMEN. y
Congress is growing more respons-
i've 10 the demands OF the American
farmer than at any time in its history.
The congressman has heard from the
farmer. Representatives and senators
from nearly all the states have been
literally bombarded with letters from
their farmer constituents.
The power OF the farmer, long held
in cold storage" has been brought
forth. The result was inevitable.
It takes the spur 10 make the con-
gresham live up to his campaign
promises. The farmer is finding out
how to use the spur.
In this connection YOU ought to know
the strange effect that oficeholding and
life in Washington had upon congress
men.
We have particularly noticed during
this session the mild and tame conduct
of some Of the representatives who
were genuine fre-eaters on the stump.
While they were appealing for your
vote they paved the dust like stall
lion, pr-rtsed 10 reform everything
overnight and TO start something the
moment they were sworn in.
But, 10, the change the moment they
get in congress! Then, with many Of
them, the principal object is to pan
handle a few little jobs for constitu-
ents, sneak up en- some little commit
tee assignment, keep free seed going,
glut the mails with agricultural bulle-
tins and free government publications
and have a good time themselves.
It is true that, enthusiastically,
they rear up on their hind legs and
below thunder. But investigate closely
and you will generally find the subject
is a trivial one, that it won't hurt any
body, and that all the sand-raising is
to make the folks at home believe their
faithful servant isn't asleep at the
switch
There are some strong, energetic
and loyal congressman, it is true. l
believe their number are increasing.
But they need to be increased still
more rapidly, if the farmer wants to
get the service to which he is entitled.
CHARLES S. BARRETT.
Americus times-recorder. [volume] (Americus, Ga.) 1891-current, 1911-03-07
CATARRH WILL GO
Relief Comes in Two Minutes, Com
plete Cure in Few Weeks.

Don't go on hawking yourself sick
every morning; it's cruel, it's harmful
and it's unnecessary.
If after breathing HYOMEI, the
wonder-worker, you are not rid of vile
catarrh, you can have your money
back.
No stomach dosing-just take the lit
tie hard rubber pocket inhaler that
comes with each outfit and pour into
it a few drops of HYOMEI, Breathe
it according to directions. In two
inutes it will relieve you of that stuff
ed up feeling. Use it few minute
every day, and in few weeks you
will be entirely free from catarrh.
Breathing HYOMEI is a very pleas
ant and certain way to cure catarrh.
Get an outfit today; it only costs
$1.OO; it's worth $1,000 to any catarrh
sufferer For sale by druggists ev-
erywhere, and by Dodson's Pharmacy,
who guarantees it to cure catarrh,
Group, coughs, colds, sore throat and
bronchitis. After you once own a Hy
omei hard rubber inhaler which comes
with the outfit, you can buy an extra
bottle HYOMBI liquid from Dodsons
Pharmacy for only 50 cents; the in
haler lasts a lifetime.
Americus times-recorder. [volume] (Americus, Ga.) 1891-current, 1911-03-07
HAVE NO BUSINESS TO BE POOR.


Gainesville, Fla, Sun.
Quite frequently when some promin-
ent man is guilty of financial irrega-
larities he is shielded by the plea that
when the wrong was done he was SUI
fering from mental alteration or some
other mental disorder for which some
high-sounding and puzzling technical
term is used But who ever hears of
such a plea used on behalf Of some
poor obscure man who steals some
thing because of his poverty? That
man gees to prison as warning o
other deprayed beings.
Americus times-recorder. [volume] (Americus, Ga.) 1891-current, 1911-03-07
4 y = = y y + y y = y y y y y y y
= JUST BEFORE LENT CAME IN \


The holidays seem long ago; bridge
whist is on the wane;
Cotillions, too, are nearly through,
Lent's almost here again.
I've been 50 gay all the winter that
| feel
I'm stepped in sin;
A new leaf shall turn at once as
soon as Lent comes in.
feel my own unwoTthiness, indeed
do,
I've spoken short to mother, and I've
shaken little Sue;
l took that silly Tommy Brooks away
from Nettie Gwynne,
But I'll make PREPARATION, though as
soon as Lent comes in.
III give up sweets and soda then, and
though | don't like fish,
ii eat mushrooms on toast and crabs
cooked in a chatting dish
I'll go without meat, that l love, on
fast days and I'll pin
E-y curls way back beneath my braid
as soon as Lent comes in.
Our rector has a lovely face Ia widow
over they say;
My tailor suit of black, with furs Of
lynx, III wear each day,
His eyes are of the softest brown, he
has a square-cut chin;
A white tulle bow I'll wear with my
black suit when Lent comes in
My gown of heliotrope will do, l
think on pleasant days,
Twill match the yiolets I'm sure 10
get from Freddy Hayes.
I'll take a class in Sunday school if
can stand the din
I'm sure to meet the rector there, as
soon as Lent comes in.
I'll try and lead a godly life chow very
strange twill seem)-
The gown for Easter that l plan wild
simply be a dream,
But | must dress-'tis opera night,
twice every week Eve been,
Without regret I'll give it up as soon
as Lent comes in.
Americus times-recorder. [volume] (Americus, Ga.) 1891-current, 1911-03-07
GOOD STORY on AN
ENGLISH DOCTOR
Believed in Passing "a Good Thing
Along.

Believed in Passing Good Thing
Along.
A rich English clothier being ad-
yised to try the Bath waters, re-
quested his physician to recommend
him to a doctor who might be re-
lied on, which was accordingly done,
says Tit-Bits. Notfancying Bath, he in
a few weeks heard something wonder
full said of Cheltenham, and told his
Bath Aesculapius he would go there if
he could give him a letter to a skill
full physician of the place, describing
the case. This the doctor promised
and performed, and had a liberal re-
Enumeration for his additional trouble
Our clothier set off early on fiHeI
summer morning, and as his chaise
was driving slowly along the road, ne
thought it would be no breach of CON
fidence to open the doctors packet and
see the particulars of his own case
This he did wit hgrea, care, and al
ter unfolding a quantity of blank pa
per, came to the letter, which was
couched in the following words: Dear |
sir: The bearer is a fat Wiltshire
clothier; make the most CT him"
Americus times-recorder. [volume] (Americus, Ga.) 1891-current, 1911-03-07
RHEUMATISM IIME.
DIATELY RELIEVED

DR.. Detchon's Relief for Rheuma-
tism and Neuralgia radically cures
in to days. It's action upon the
system is remarkable snd effective.
1t removes the cause and the disease
quickly disappears The first dose
Sold by Eldridge Drug Co.
Americus times-recorder. [volume] (Americus, Ga.) 1891-current, 1911-03-07
\ y 4 4 y y \ \ y \ 4 y y y ~
NEW HYMN FOR STATE OF =
NEVADA, y

Savannah Morning News.


Savannah Morning News.)
We had something TO say a day or
two ago about the defeat of the divorce
reform bill in the Nevada Legislature
and of the celebration that followed
that night in the city Of Reno, where
the divorces go and the lawyers live in
marble halls. 1t seems that one of the
hotels of Reno provided a state an
them for the celebration, and that It
was sung with great gusto, to the ac-
compartment of popping corks and rat
Ting china This is the first stanza Of
the Nevada state anthem:
Nevada, It's of thee
Sweet State of Liberty,
OF thee l sing
State where our fathers fee;
State that sets mothers free
Marriage, because of thee,
Hath lost its sting"
This, to be sure, is little short OF
shocking; but they do many shocking
things in Nevada.
Americus times-recorder. [volume] (Americus, Ga.) 1891-current, 1911-03-07

"Chuggins is fearfully selfish since
he got that new motor car, said the
critical fgriend.
In what way?"
Every time ne hOnks TO warn Pc
destrian he thinks he ought to have a
life saving medal Washington star,
Americus times-recorder. [volume] (Americus, Ga.) 1891-current, 1911-03-07

The unconscious stranger lay on the
sidewalk breathing heavily and groan-
ing. Two teeth were missing, his eyes
were marked and his nose was bleed
ing
Who can he La said the crowd
again and again.
~ guess he was some peacemaker, ="
suggested the ambulance surgeon, sur
veying the wreekage.-Buffalo Express
Americus times-recorder. [volume] (Americus, Ga.) 1891-current, 1911-03-07
Porter Wasn't Through.

The lone bandit was about to enter
the sleeping car.
Stand back" cried the furious pOr-
ter, confronting him with a magazine
gun in each hand q haven't gone
through these passengers myself yet"
With a yell Of impotent rage the
baffed william threw himself from the
train-Chicago Tribune.
Americus times-recorder. [volume] (Americus, Ga.) 1891-current, 1911-03-07
y y y y = y = y y = = = y y = =
y OH! HOW WE NEED BAN.
y = = = y = y y y = y y
lNickshurg HeraIdl

(Vicksburg HeTald)
We need "gully-Washing' rain,
And oh, We need it bad
A rain to make the turtles smile,
And make the tadpOles glad;
A rain to fill the tanks all full,
And make some mud around;
A rain to wash the atmosphere
And satuerate the ground.
The grass is all dry as punk,
The roads are worn in holes,
The ground is hard, like paving bricks,
And is no place for m0les,
The creeks are dusty, winding paths
Through pastures bare Of grass,
Along which thirsty cattle rove,
All lowing as they pass.
The thirsty field looks pale and wan
Unable now to smile,
The wooded hill is verdureless,
land looks rocky pile;
The whole of nature is fOrlOTn,
And | cannot refrain
From praying with thirsty soul
God send a soaking rain.
We need it sOTely-yes, we do;
There can be no mistake
That chickens, dogs and COWS and pigs,
Their burning thirst may Stake;
That farms may have drink once
more,
And smile in sweet repose,
And prairie lea and wooded dell,
Each blossom like a rose.
Why, even towns are thirsty now,
And cities on the brink
OF drought that soon will leave them
naught
At all, but beer, to drink;
And all the springs are going dry
In cOuntrysides as we'll
What in the world we all shall do
Is hard, indeed to tell
I look and listen, pray and hope,
Each day that passes by,
And yet in spite OF all | do,
II still continues dry;
Oh Lord, be kind, do implore,
Do hear me in my pain,
And send US, do-and send it soon
A "gully-washing" rain.
Americus times-recorder. [volume] (Americus, Ga.) 1891-current, 1911-03-07
Even the HnhhIe Skin.

She's a wonderful girl in a way"
rs that so?"
Yes, she can adapt herself 10 any
fashion. Detroit Free Press.
Americus times-recorder. [volume] (Americus, Ga.) 1891-current, 1911-03-07
Why all Roads Lead to Sum
ter County.

Never before Southwest Georga-and particularly Sum
County with her nationally famous good roads so firmly fixed N
The public eye Not only Home Seekers Investors and Capital
pouring from all of the South but from every section of this
country and Canada One single these perfect and modern
highways the most convincing argument of the certain future of
this section any Investor ask for.
Americus times-recorder. [volume] (Americus, Ga.) 1891-current, 1911-03-07
Rank Injustice of the Census
Bureau Report.

While the government Census Bureau has unqueshonaby done
Amecu great injustice by far refusing the
face of absolute and ndpuab facts the purpose of this special
edition accurately and clearly forth official statistics of
Americas and this entire section believed that these author
facts will far the injustice of the Census report
Americus times-recorder. [volume] (Americus, Ga.) 1891-current, 1911-03-07
Marvellous Increase in Re-
sources of this Section.

Perhaps the truly remarkable growth of Americas, Sumter
County and this immediate section best shown the unprecedented
development of her and the addition of many indus
tries Such the magnitude Of this development during the past de-
cadeand especially within the five yearsha the proper pre-
senaon of these facts distinct and happy surprise
citizen of this section.
Americus times-recorder. [volume] (Americus, Ga.) 1891-current, 1911-03-07
$500 Copies Offer Big Advan-
tage to Advertisers.

There will be $500 copies Of this special development supple
printed without date ne and this way will be used
answering the evenceasng number of for information
concerning this section its possibilities The advertising rates
have been placed low figure order that this supplement
be Absolutely representative and include
interest
Americus times-recorder. [volume] (Americus, Ga.) 1891-current, 1911-03-07

The fellow who uses cologne on his
handkerchief, no matter how hard up
he may be, always has a scent in his
pocket.
Americus times-recorder. [volume] (Americus, Ga.) 1891-current, 1911-03-07
TIMES


This edition will include beautifully printed sxeen-page sup
pement profuey illustrated with haltones and line drawings
geher with all of the very latest facts figures and statistics regarding
Amecus Sumter Couy and this entire section collected by ecoa
nized expert