davidaulloa/AmericanStories huggingface dataset:
Decorah public opinion. (Decorah, Winneshiek County [Iowa]) 1895-1928, 1912-05-01
FRANKVILLE.
April 20, 1912.

April 90, 1912.
James Caustigan is on the sick
list.
The Vaughn brothers and Ora
Davis have finished the mason work
at Arthur Brandt's and returned to
their home at Hardin.
Rev. Zeigler went to Dubuque last
Monday, to attend the graduating ex-
ercises.
Fay Limbeck of Ossian is spend
Ing few days at Erickson's.
Harry Bollman from near Post
vile spent last week visiting rela-
tives here.
The d. Y. N. T. will meet with
Mrs. VIM. Smith on Thursday, May
I'd.
Claude Van Wey went to Ossian
Tuesday.
Band meeting every Saturday
night.
Mr.. and Mrs. Landon Letchford
and Mrs. Edna Bollman were shop
ping in Postville Tuesday.
Henry Chamberlain and Phillip
Brouilette will start work on John
Ewing's new house this week.
Charley Birdsell of Bruce, Wis.
called on old friends here Tuesday.
A large crowd attended the dance
here Friday night.
Mr.. and Mrs. Gerald Moose and
Gailard were up from Myron Sunday
and spent the day with Henry Moose
Esther Kiesau is attending the
German school in Ludlow.
John Murphy of Ossian was in
town Thursday.
Glen Letchford was a DEBORAH
business caller Friday
The V. |. S. had bee Saturday
afternoon for the purpose of cleaning
up the church yard. About twenty
We're present, and after a busy after
noon, lunch was served in the base
ment.
Mr.. and Mrs. Frank Lower went
to Bethel Friday for a visit at the
Martin Olson home.
James Birdsell has a new Ford
automobile he purchased from Mr.
Bucknell of DEBORAH on Saturday.
Mr.. and Mrs. l.. c. Spawn went
to OsSian Saturday for an over Sun
day Visit at George Webster's.
Miss Amy Evans, who is attending
school in DEBORAH, came home for
few days visit last week.
A jolly crowd of Calmarites auto
ed through here Sunday en- route for
Waukon.
The w. c. T. U. met at Walter Pill
grim's Friday evening with about
forty present. The TOPIC for the even
ing was The Boy and the Cigarette"
with Grant Bollman and Chris.
Waters leaders. After the program
delicious luncheon was served by
the hostess.
John Roymane, the candy man,
was over from Waukon Saturday.
Mr.. and Mrs. Will Hubbell of
Washington Prairie attended the w.
G. T. U. Friday night.
Raymond Caustigan is improving
at this writing.
Mrs. Carrie hughes and Lottie
Padden were shopping in DEBORAH
Monday.
Mr.. and Mrs. Charley Shattuck
We're Castalia visitors Sunday.
Lester Davis and the Misses Cecil
Gordon and Tilda Oleson from POST
vile were in town Friday.
Arthur Britain is in Rossville for
few days visit with his folks.
The democratic caucus was held
in the town hall Saturday night.
Decorah public opinion. (Decorah, Winneshiek County [Iowa]) 1895-1928, 1912-05-01
PLYMOUTH ROCK.
April 30, 1912.

April 20, 1912.
Mrs. NJ Ellingson visited at Mrs.
Henderson's Tuesday.
Flossie Davis was in Plymouth on
Monday.
Mrs. Johnnie Ellingson was in
Plymouth Tuesday.
Mrs. H. Henderson and Mrs. n.
Ellington visited at Mrs. Ole Filing
sons Wednesday.
Albert Monsoon visited at Johnnie
Ellingson's Wednesday.
Joe Patterson is carrying mail for
Mr.. Dean, while the latter is on a
vacation.
Mr.. and Mrs. John Davis called on
A. j. Davis Thursday.
Mrs. Ole Monson visited at Albert
Monson's Wednesday.
Andrew Mithun was helping John
Lonningdahl with the road work on
Thursday.
Gladys Ellingson and Stella Mon
son called at Johnnie Ellingson's on
Friday.
Henry Ellingson returned home
from Austin, Mimi. on Saturday.
A number from here attended the
teachers meeting at Cresco last Fri
day and Saturday.
Anna Mullaney and Jennie McCabe
returned home from their two weeks
visit in Chicago on Saturday.
Rev. Larsen of Cresco was in Ply
mouth Rock Monday.
Minnie and Alfred Stinson spent
Sunday evening at A. ]. Davis.
Mr.. and Mrs. Gene McCabe visited
at Mr.. Pierce's near Canton Sunday
Mr.. and Mrs. Pete Ellingson and
family visited at Andrew Stinson's
Sunday.
Decorah public opinion. (Decorah, Winneshiek County [Iowa]) 1895-1928, 1912-05-01
NOTICE OF APPOINTMENT.

Notice of the appointment OF an
Executor of the Estate or Katrina
Panoch, Deceased.
Notice is Hereby Given, that the
has been duly appointed
Executor of the estate of
KATRINA PANOCH,
late OF Calmar Township, in the
county of Winneshiek, State of Iowa,
deceased, intestate, and has taken
upon himself that trust by giving
bonds as the law directs. All per-
sons having demands upon the es-
tate OF the said deceased are relulr-
ed to exhibit the same; and persons
indebted to said estate are called up
on to make payment to
FRANK PANOCH,
Executor.
Dated at DEBORAH. Iowa, Apr. 2Srd'
1912.
Reed & Pergler. Attorneys, ia
Decorah public opinion. (Decorah, Winneshiek County [Iowa]) 1895-1928, 1912-05-01

Always keep box OF Ayers Pills in the
house. Just one pill at bedtime, now and
then, will ward off many an attack Of
biliousness, indigestion, sick headache.
How many years has your doctor known
these pills? Ask him all about them.
Made By the J. G. AVER CO., Lowell, Mass.
Decorah public opinion. (Decorah, Winneshiek County [Iowa]) 1895-1928, 1912-05-01
Stimulate
Children?

Ask your doctor how often
he prescribes an alcoholic
stimulant for children. He
will probably say, Every,
very rarely" Ask him how
often he prescribes a tonic for
them. He will probably an
swer, "Very,veryfrequently."
Then ask him about Ayers
Sarsaparilla as. a strong and
safe tonic for the young. Not
a drop of alcohol in it.
Decorah public opinion. (Decorah, Winneshiek County [Iowa]) 1895-1928, 1912-05-01
Esnl.it de Corps.

A flutist who Joined drum corps
Played his part out OF time morps
and morps,
Till the drum major said:
please remember. dumbhead,
That the time Is toot-two, not forps-
forps." Judge.
Decorah public opinion. (Decorah, Winneshiek County [Iowa]) 1895-1928, 1912-05-01
MRS. HELENE b. OPSAHL

Hours 900 to 1900 a. m. 900 to
$500 p. m. Phone 4S1 White.
403 Jefferson st. DEBORAH, Iowa
Abilene weekly reflector. [volume] (Abilene, Kan.) 1888-1935, 1912-02-15
CLAY CENTER PAYS MORE.
Municipal light Plant Charges Con.
sumers High Rates.

A write up of Clay Center's muni-
cipal light plant in the Sunday pa
pers claims that 1t is doing fine,
although part Of its support comes
out OF the waterworks earnings and
taxes. The plant has all the lights
Of the city, private plant having
been driven out after years of liti-
CATION and big expense to the city.
The private consumer pays 20 per
cent more for light than Abilene Is
payIng-12 cents a kilowatt while
Abilene pays 10 cents. The city has
to charge more to keep the plant
running. 1t probably was this fact
that induced the man who is most
responsible for Clay Center getting
a municipal plant to say in private
conversation just before AbIlene's re-
cent franchise election, 1--WE have
municipal plant and make 1t go but
Abilene Is mighty foolish II it does
not accept the Brown proposition
It beats a city owned plant"
Abilene weekly reflector. [volume] (Abilene, Kan.) 1888-1935, 1912-02-15
Register Your Real
Estate Mortgages Now

Iaft for the man who had secured the
actual mortgage, but failed TO record
lei
lTechnically the man who had as
signed the mortgage to third party
ana later settled in full with the
snbftgae6r has committed no crime,
although he might be subject to Q
civil suit by the assignee. The per-
son who gave the instrument is re-
leased from all claims by the release
OF the mortgage by the person who
fisrt received It, by the provisions OF
the law. There seems to be no relief
for the man who makes business
OF buying mortgages and no protec-
ton without an Immediate register
ing Of the documents, and 1t Is pos
sible that an Investigation of the
law viii be speedily followed by a
great rush OF holders OF this kind
OF paper to the officer OF the register.
Abilene weekly reflector. [volume] (Abilene, Kan.) 1888-1935, 1912-02-15
COTTONsEED MEAL AND 4
CAKE TAKE PLACE OF CORN.

T. Fl. Lay OF Hope states that by
piecing out and using other feeds.
but little corn will have, to be ship
ped into that part Of the country
for feeding purposes this winter. In
some neighborhoods in Dickinson
county pretty!tair corn yield was
made, while injothers It was very
light. Dickinson is good hog coun-
ty, and considerable cattle feeding
is generally carried on here. II do
not know what we would do without
these substitutes for corn" Mr.. Lay
said. "Cottonseed meal and cake
go long way toward supplying the
corn shortage. Feeders everywhere
are using 1t and mixing 1t with ale
falfa, with some corn, and in that
way they are getting through the
winter. / have been feeding sew
eral carloads of cattle, and am using
1t extensively"
Abilene weekly reflector. [volume] (Abilene, Kan.) 1888-1935, 1912-02-15

In the session laws or Kansas Of
1898 there u q law that should be uf
interest to every man who holds .
mortgage, especially those who have
had mortgages assigned to them BY
q mOr4gagee. According to the Law
It is possible for the assignee, unless
ne has the instrument reslstered. q
lose the entire value Of the mOrtgags
and he can only depend upon the
honesty of the first mortgages for
HIS returns.
A first mortgage always holds and
though the person to whom II is Civ
en- may assign It to another party.
unless that. person records 1t with
the register of deeds, the first
mortgage holder can settle up with
the person giving the mortgage at
any time and receive legal receipt
for 1t. The mortgage 10 then re-
leased according to law on the regis
ter's books, and there is little relief
Abilene weekly reflector. [volume] (Abilene, Kan.) 1888-1935, 1912-02-15

expect protection from an unwar-
ranted division of business that win
result in loss to it. This is true Of
power plants, and it is true Of tele-
phones and all other utilities.
The bank commissioners depart
meat is empowered to grant to ap-
plicant banking firms or to withhold
from them permission to establish
banks in any community, the decis-
ion to be dictated by the adequacy
or inadequacy of the banks already
in existence there. The act of the
utilities commission in the Parsons
instance is directly in line with this
practice.
Abilene weekly reflector. [volume] (Abilene, Kan.) 1888-1935, 1912-02-15
HUSBANDS FATE DROVE
MRS. RICHARDSON INSANE.
Former WOOdbine Woman Worried
Over Finding Body.

About 10 years ago William Timm
OF Woodbine went to the Indian Ter
rItory to get some cattle in pasture
there. He never came back. The
investigation showed that he sold 3
lot Of cattle just before his disap-
pearance and the pony he was using
was found wandering riderless in
the vicinity.
Mrs. Timm later married a Mr..
Richardson OF Siliam Springs. Ark,
where she resides. A few weeks ago
a skeleton was discovered in a cave
near Talequah, Okla, the location
Of Timm's disappearance and indi-
cations were that it was that Of
Timm. A bullet hole in the Skull gave
evidence OF murder. Timm was well-
to-do and was known to hare money.
Mrs. Richardson has worried
greatly over the finding Of the skele-
.oh and feports non siiosm springs
~ shs hea bessms lnsans
Abilene weekly reflector. [volume] (Abilene, Kan.) 1888-1935, 1912-02-15
STATE HIGHWAY ENGINEER
TO GIVE LECTURE HERE

Thursday, Feb. %. win be good
roads day at Abilene. The county
commissioners and the township
trustees will be present at the meet
ing. State Highway Engineer Gear
hart will talk on roads in the morn
ing and In the afternoon he will
give an Illustrated lecture on bridges
and culverts showing good and bad
bridges and the comparative costs.
A lnneh will be given the visitors
ST noon.
Abilene weekly reflector. [volume] (Abilene, Kan.) 1888-1935, 1912-02-15

The Evangelical Brotherhood and
Laymen's convention of the Abilene
district in the Kansas conference will
be held in the Abilene Evangelical
church "wednesday and Thursday.
The convention will OPEN tonight
with q song service after which F.
c. Dessenberger OF Lost Springs Will
speak,
The program for tomorrow Is:
Fof 1on-Devotion Rev. Linge,
Address 81 Welcome, P. e. Sommers;
Response. John Schaii; the Call Of
the Men and Religion Forward Move
ment, M. F. Shupe; discussion; Or
ganized Effort as an Opportunity,
Rev. G. F. Kliphardt; discussion;
Church Federation, J. H. siebert;
discussion.
Afternoon Devotional. George
schmutz; Our Part, (a) In the Pray
er Meeting. w. A. Johnson; OBJ In
the Revival Meetings, Conrad Wer-
ner; (c) In the Preaching Service,
Jacob wolgemuth; (d) In the Busi-
ness Of the Church, Jacob Meyer;
Individual Evangelism, Rev. q. y.
Erffmeyer; discussion; Business SEES
Abilene weekly reflector. [volume] (Abilene, Kan.) 1888-1935, 1912-02-15
q. A. r. AND w. n. G. OBSERVE =
..ts LTNCOLN'S BIRTHDAY.

Today the @. A. r. and w. r. c.
commemorated Abraham Lincoln's
birthday. A bean dinner--20O per
cent better than the kind received
during the Civil war--was served
this noon, after which speeches were
made. The hall was decorated with
u. 8. flags and red, white and blue
bunting.
Sunday morning at the Methodist
church Rev. w. M. Balch took as
his subject. Abraham Lincoln" He
gave an interesting sketch Of Lin
coins life. The old soldiers attend
ed the service In a body.
Lincoln's birthday Is now a state
holiday and the public schools OF
Abilene received a vacation today.
Abilene weekly reflector. [volume] (Abilene, Kan.) 1888-1935, 1912-02-15
Evangelical Church
Holds Convention

sion; election Of lay delegates to the
annual conference, A. solt, P. e.
Missionary Rally Devo.
,iOnal, A. solt; Missionary Liabill-
ties, Rev. e. ]. Eiselein; Missionary
Assets, G. F. schafer: special singing
by the Abilene choir. Rev. Butz-
bach Of China will speak Wednesday
evening.
Thursday forenoon-Devotional, D.
Spar; Systematic and PropOrtionate
Giving, Zina Beatty; discussion; the
Iayman from the Minister'S Stand
point, Rev. B. H. Hobbs: discussion
by the ministers; The Minister. In
and out Of the Pulpit, from lay
mans Viewpoint, @. J. schreiber;
discussion; Our Finances and Static
tics, b. ]. Matter; discussion.
Afternoon-Praise Service. Rev..
g. Meeder; Conference. Our Sun
day Schools and Young Peoples Al
lliances. by Field Secretary J. A.
Werner, Alden.
acknowledgements Rally, cou-
siatIng Of addresses and sonss. Rev.
schrock and others will speak at
this meeting.
Abilene weekly reflector. [volume] (Abilene, Kan.) 1888-1935, 1912-02-15
WANT SECOND STREET
OPENED WEST FROM VINE.

This morning at the regular meet
ing OF the city commissioners petit
1iUn asking that Second street be
opened from Cherry to Vine street
was presented.
An ordinance was adopted amend
ing the skating rink ordinance.
The commissioners adjourned to
meet tomorrow morning at nine
o clock.
Abilene weekly reflector. [volume] (Abilene, Kan.) 1888-1935, 1912-02-15

Three more inches Of snow fell
early this morning. The storm was
general, extending to the west to
the state line. II was accompanied
by a light rain in some places. The
snow started to fall here at nine
o'clock last night and was preceded
by q light rain.
"The snow was just what we need
ed !" said a farmer today. 1T VIII
be fine for the wheat and with this
extra snow will 60 booming when the
spring weather opens"
Abilene weekly reflector. [volume] (Abilene, Kan.) 1888-1935, 1912-02-15
PUBLIC UTILITIES BOARD SAYS
NO DUPLICATING OF PLANTS.

One of the most important and far
reaching rulings of the Kansas utili-
ties commission was that laid down
last week refusing permission to q
new public utility to begin operations
in a town which it regarded already
reasonably we'll served with a similar
utility. The case in which the COM
mission assumed this position came
an from Parsons. The applicant
company sought permission to build
an electric light and power plant.
In refusing to grant the certificate
the commission approved the con-
tention of the established company
that It was amply able to meet the
needs of the people of Parsons and
the community surrounding 4.
There Is no reason why q public
utility which gives any community
good and adequate service should
not be protected against competition
that may result ruinously.. If a pub
ne service corporation submits to
municipai regulation OF its affairs.
n II is allowed to charge for its
service only a fair price enough 70
rire II merely reasonable eerninss
an Its investment, it has . Fight %
Abilene weekly reflector. [volume] (Abilene, Kan.) 1888-1935, 1912-02-15
Q. NJ. Carver On sIIsge.

Oar Of the best papers vas that
lof &. N. Carver who said: Silags
as. = beef producer has been proven
By the experiment stations at the
different state agricultural colleges
to be the cheapest feed to be had
FOR fattening cattle. Being a succu-
lent food 1t acts as a conditioner
when fed as q part OF the ration.
whsn fed mixed with the grain e.
makes the ration bulky, which all
experienced feeders know Is great
benefit when a heavy grain ration
is being fed. My experience in feed
ing ensitage has been very satisfac-
tory. i have been able to make from
" to / pound greater daily gains
per head and at considerably less
cost than when feeding shelled cUrn
and alfalfa. ! think q ration of 20
pounds silage and 20 pounds ground
corn and pounds good alfalfa is
about right for a lOOO-pOund steer.
Another advantage in feeding en-
silage is that it requires but a week
or ten days to get cattle on full feed.
At first they don't like it and they
won't eat much of it for few days.
They gradually learn to eat It and
by the time they get at appetite for
it they have eaten enough SO that
it won't hurt them. believe silage
can be produced at an average cost
OF 50 per ton, counting the invest
ment in the land and all expense Uf
raising the crop and putting 1T IN
the silo.
The meeting tomorrow will com
mence at $3.50 o'clock with dTfn
in Judging horses.
Abilene weekly reflector. [volume] (Abilene, Kan.) 1888-1935, 1912-02-15
Prizes Awarded.

The following prizes were award
ed:
For corn-Frank Lands first. B.
f. Lands second.
For kaffir corn-B. F. lands first.
For butter-Mrs. Geo. Edgemap
first and second.
For wheat-Frank Landis first
F. L. Blaesi second.
For alfalfa seed-H. A. Snider
first, B. F. Landes second.
For bread-Mrs. H. Shrader first.
For potatoes-F. L. Blaesi first.
For peaehes-Mrs. Lloyd first, Mrs.
H. Schrader second.
For oats--B. r. Lands first, H.
A. sndier second
President Shepherds Thanks.
/ wish through the papers of Abb
lene to extend my most heartfelt
thanks to the president Of the Abb
lene National Bank, G. A. Rogers, for
the valuable time he spent in pre-
pairing such a valuable leaflet to be
distributed among the farmers Of
Dlckinson county at the farmers in
stitute.
Furthermore, l wish to extend my
thanks To the businessmen Of Abi-
lene for the courtesy shown the farm
ers's institute. Respectfully yours,
j. b. Shepherd, president.
Abilene weekly reflector. [volume] (Abilene, Kan.) 1888-1935, 1912-02-15
SHIFTING SOIL
Zeal Estate Transfers Reported bJ
j: II. Keel, AbstractOr.

Geo. Dobson to F. Marion Galschet
lots IS, 10, blk 5. Gels add Solo
mon. $3.50.
N. B. Ketchersid and wife to M. A.
Anderson, lot 3, blk r, T. & 8.
add Hope, 81.
Daniel Weaver to Pete Kreiger, W "
lot 4, blk 1870, Herington, SIS.
Abilene weekly reflector. [volume] (Abilene, Kan.) 1888-1935, 1912-02-15

The trial Of Grant Gillett, indicted
BY the grand jury on a charge OF
violating the federal laws By using
the mails to defraud investors in oil
stocks. which was set for Jan. 2S
has been postponed until the July
term Of federal court in Los Angeles.
Abilene weekly reflector. [volume] (Abilene, Kan.) 1888-1935, 1912-02-15
VIII Return to Philippines.

E-County Superintendent Aumil-
Ter was in from Elmo. He has just
had q large sale and he and Mrs.
AumilIer will in April leave for the
Philippines to resume their work in
the government educational service.
Abilene weekly reflector. [volume] (Abilene, Kan.) 1888-1935, 1912-02-15

The Brethren in Christ are rails
ing a fund of $4,000 with which to
build home for aged and dependent
of the church. About $4,000 has
already been raised in Abilene and
members OF the church throughout
the country are contributing. The
Abilene weekly reflector. [volume] (Abilene, Kan.) 1888-1935, 1912-02-15
Farmers Institute Was
A Successful Session

herd, president. deserve much credit
for their capable management of the
meeting. Not only the farmers took
part in the work of the institute but
many businessmen of Abilene were
present.
Abilene weekly reflector. [volume] (Abilene, Kan.) 1888-1935, 1912-02-15
River Brethren to Build
Home for Old Folks

Home will probably be located on
the hill in the northest part Of the
city and will be completely equipped
for the comfort Of all those who
need assistance in their declining
years.
Abilene weekly reflector. [volume] (Abilene, Kan.) 1888-1935, 1912-02-15

Thursday was farmers day in Abb
lene and about a hundred of the
country gentlemen came to Abilene
70 attend the farmers institute be-
ing held at the commercial cub
rooms. A few women were in at
tendance.
The meeting opened this morning
at IL o'clock with an interesting ad-
dress on THE Improvement Of Live
Stock by p. E. Crabtree Of the state
agricultural college.
At one o'clock the farmers were
given drill in the judging of cbws
IN front of the Farmers National
bank. Two cows we're used for the
demonstration.
The farmers then returned to the
club rooms and listened to q fine
talk ON Some Problems in Dairy,
Farming by A. B. Wilcox. n
A talk that was made up OF ideas
gained by personal experiences was
that given on ~Hintp on Better
Farming" by e. Geoffroy.
Rev. DR.. Blayney discussed the
necessity or education for farmers
Mlss Ella NJ. Nash OF the state
agricultural college was the only wp-
man speaker today. She told Of the
many conyeliences that cCutd be
The pleasant weather brought out
Friday q large crowd of FARMERS to at
tend the Farmers institute teday. The
attendance was Increased consider
able from yesterdays session, es-
peciaTly ampng tho women,
Today's session opened this morn
ing With IN sddTsss by W. +. Han-
sen on the draft horse.
Prof, r. e. Crabtrve followed with
an interesting talk on growing horses
for the farm and market.
At one O'Clock Prof. CrabtTee gave
the tfaEmers q aTdn an Judging hOrsee-
Five OF the best horses in Dickinson
county were used for the demonstra-
ton and nearly l'50 farmers were
present.
The farmers then adjourned to the
Commercial club rooms and listened
to an interesting talk by l. d. Ar
mold on Suggestions on Judging
Swine" 1t WIS followed by a dis
cussion.
"The Consolidation OF Schools
was then discussed. Superintendent
w. A. Stacey presided and gave "a
talk on the subject. y.
The election uf officers came next.
]. D. Shepherd was reelected presi-
dent. The vote was unanimous Mr..
Shepherd is one of Dickinson's pro
gressive farmers and his work the
past year was appreciated as shown
by his rejection to head the institute
another year. e. Geoffroy was elect
ed vice president and A. B. Wilcox
secretary and treasurer.
The women present were not left
entirely out for Miss Nash Of the
sta sagricultura college addressed
them ON every day cookery. This
was followed by a discussion
Today's session closed the farm
ers' institute. 1t was success and
Prof. p. e. Crabtree and J. d. Shep-
Abilene weekly reflector. [volume] (Abilene, Kan.) 1888-1935, 1912-02-15

y. d. Shepherd, president.
e. Geoffroy, vice president.
A. B. Wilcox, secretary and treas
arer.
Daily capital journal. (Salem, Oregon) 1903-1919, 1912-10-14
WHAT The STATE
INSTITUTIONS
ARE COSTING US

Preparatory to launching cam
palgn by which he hopes to give the
people an idea why their taxes are
high, Governor West today gave out
an itemized statement showing the
appropriations made by the last legis.
lature, and by the people at the pre-
ceding election. In presenting the es-
Inmates of the superintendents for the
various state institutions this week
the governor will compare them with
the appropriations made by the last
legislature, and give his views how
they may be reduced Before the cam
paign is at an end he intends to give
out explanations for all the appropria-
tions contained in the statement and
offer suggestions whereby savings can
be made.