davidaulloa/AmericanStories huggingface dataset:
The Birmingham age-herald., 1912-10-06

Cotton mountain. He almost regretted that he had asked to be brought to stand the examination. But he remembered Hardlng's words about fighting against fate and turned his thoughts toward the coming examination.
 Many Of the miners wondered ats the silent man who passed through the test without speaking to anyone and with the uniformed guard ever at his heels. When the newspapers told them who he was he was left alone. If the sight of the men drawing away from him hurt Hatfield he save no sign, but attended strictly to the business of passing the examination.
 He did not find 1t easy, but by persist ence he satisfied the mining experts That he knew enough to be a foreman and when he returned 10 Little Round Top he had first grade certificate emitting him to the position of mine foreman nn- der the laws of the state.
 The interior topography of the mine resembled a plus sign The entrance to the mine was by slope that opened into the stockade and descended aeont 300 feet when it came upon the cross of the H1dlIl slope 1dcu Dl lne bi idifilf' was in charge of q foreman, who re- ported to Webb the general foreman of the mine.
 After two years of constant good be- havior Harding placed Hatfield in charse of one of the slopes. The men under his control at first resented the fact that q fellow convict had been given authority over them Hatfield had trouble. but he never appealed to Harding for ai1. He
 |. force when necessary. but was never brutal Six months after being placed in charge his men were producing moe coal than any of the other three sections
 Harding kept up with Hatfield and WI, greatly encouraged by the result of his talk He considered hin the best eN- ample of his system and invariably point. ed him ont when asked for a reason lpl his method of handling the most difficult eonvlet-the one under life sentence.
 In 1910 the explosion occurred ba' killed 1f0 men and fs remembered with horror yet by the mea who survived it Out of the 2l0 conviets who were in the mine at tho time of the explosion. hHi 70 reached the surface alive Sixty n' them from HatfeId's slopu and 10 who were working in the auxiliary slope. The blasting in the mine was done Wift powder which was issued to the mer each morning in sticks. Two negroes fell out one morning over craps game and had fight In the third section. vne Of the negroes was Knocked back asaiasi the wall and fell over the powder which had been placed there for the men. 'fae powder exploded
 In less time than t takes to tell fl there was second explosion, followed by a still heavier one But one man l the slope reached the surface to tell
The Birmingham age-herald., 1912-10-06
Unpopular Sport

Madge-What makes you say that golf is stupid game?
 Marjoriei went out tn the links with George and he paid more attention to the old ball than hc did to me.
The Birmingham age-herald., 1912-10-06

to be given the same coal to get Said some Of us were stronger than others. Then he took some off of some of us and gave more to others. Then he sal he would give us money for all we iii over that I've got about s20 already that am going to send to Lawrence.
 Then he asked us if there was ary- thing we wanted to do after work hours and some were bold enough to tell him. So he up and buys some baseball things and every Saturday afternoon we have game down on the knoll. He has bought some of them books and they studies l am going to study machinery when I got enough money to get the books l tell you, Bo, there is sure some changes In things since you were sick You wait and see. You know ''Whizzor" Harris? Well--'
 Davis was interrupted by the entrance of a guard. Looking at Hatfield, he said:
 MT. Harding wants you. 17259.'
 Hatfield rose obediently and followed him out into the corridor. Across 'he stockade they went and Hatfield knew he was to sse the new warden He dt. not know what to expect. He squared Ills EnOulutIr tHtUlel4f NffCh tN ti y Aia@e' of expression from his face, and stepped into the room.
 Across the desk from him was sitting tall, heavy set. muscular man, regard ing him steadily from under heavy eye- brows Hatfield had just time to note the squaro jaw and steel-gray eyes be- fore Harding motioned him to a seat ard turned his back on him
 Harding reached up to cabinet. .frI, { for Q m ( t. and again faced Hatfield with a card fin his hands. It was the conyict's record 'sHatfeld. you have been here about two years and have been in trouble all the time" he said slowly. When I came I found you in the. hospital sui fering from the result of an attack on q guard. What are you looking forward to? You are now about 90 years old. DO you intend to spend the remainder of your life in useless rebellion? You took a life and the state has decreed that you spend the remainder of your days in con finement. Now. what do you intend to do? You have caused more trouble than any other two men.
 When l accepted this position l made up my mind that would make the Ioi of the rneu under nc little less l;ifr- densome. I am more than willine .n meet man half way. But can fight And the gray eyes blazed at Hatfield for a second and then resumed their ordi- nary aspect. For the persistent and ue- liberate offender there is but one course.
 Now, not as warden to prisoner. but as man to man. ask you what are you going to do about it?'
 Hatfield hcsitated moment. then hunched hIs shoulders and answered What can do but dig coal?'
 There s more to your life than mere digging coal. You have . reasonable
Evening capital news. (Boise, Idaho) 1901-1927, 1912-11-20

training ana education Of delinquent
children, ana there are now at the
school approximately 200 inmates.
who have been duly committed to- the
institution by the courts Of the state
for offenses Of various kinds. Their
ages range from 10 or ~ years to 81
years, with an average age OF about
Is years. While no one can be COM
mitted to the institution who IL over
the age of Is years, yet II committed
under that age he must remain at
the Institution until he reaches the
or discharged because Of his good
behavior and good standing at the in
stitution. It is also a well known
fact that many young offenders
against the law Of the state. in order
to escape commitment to the peni-
Tertiary, underestimate to the court
their age so as to bring them within
the age limit emitting them to COM
mitment to this institution.
"The purpose of the state in main
tanning this institution is to give to
the young offenders such training
and education as will check, If pos
sible, criminal or downward ten
denotes and make out Of the juvenile
offender q useful citizen.
Whether the money expended in
maintaining the institution r.
the maximum results for the inmates
is always a legitimate subject of in
quiry On that point practically no
evidence has been submitted during
the recent investigation, except to
show that all supplies, excepting in
minor matters, and then only in case
of emergency, are purchased quarter
ly. and the contracts for furnishing
the supplies are awarded to the low
est bidder on sealed bids filed with
the board pursuant to advertising
therefor, published in the newspapers
of the state. Ar. examination Of the
bids received and the prices paid for
supplies will show that such sup
plies have been purchased as a rule
at lower prices than what has been
usually paid for such supplies by
other large institutions, whether pub
lie or private, and in many cases con-
siderably lower.
Must Be Discipline.
"The charge has been mildly made
that the food was insufficient. The
evidence on this point is overwhelm-
ingly to the contrary. and this charge
has not been sustained In any respect
Most Of the evidence that was
introduced during the investiga-
ton was directed to the matter
of discipline or punishment for
disobedience That there must
be discipline and obedience to
constituted authority will be con-
Evening capital news. (Boise, Idaho) 1901-1927, 1912-11-20
HUMPHREYS EXONfRAT.
Ed By BOARD
dismissal of some of the employees.
(. Children Wero Beaten.

When Ellis Greer. IL years old, was
picked up a runaway from the Idaho
industrial training school and mis- body
was found to be bruised and sore
from q severe beating he had received
an investigation or the institution was
ordered. It developed that the Greer
boy was beaten with q heavy, thick
tug, which was laid across his bare
back. The boy ran away on account
of the severe chastisement. Guard
Stanley, who administered the beating
was arrested and recently sentenced tc
serve a term in the county Jail.
Governor Hawley called for an i'm
mediate investigation and ordered an
expert stenographer to take the evil
dence. The people OF Fremont county
became interested and Attorneys Hol-
den and Hanson appeared in the case
in their behalf Before the members OF
the board evidence with regard to
charges of inhuman treatment through
beating Of the children was given, COW
ering a period OF over two weeks at a
cost to the state Of about $4,000. Prac-
tically all Of the children and the at
tendants at the school testified The
evidence was conflicting in many ways
Straps that had been used for beating
the children were introduced as evil
dence and the claim made that the
children were severely and unwarrant-
eddy chastised.
Following the ST. Anthony hearing
the board met in Boise to reach a de-
cision but could not, owing to the fact
that several of its members had not
been able to read all the evidence.
Governor Hawley at that time declared
his willingness to seal his verdict and
file it with the board. Adjournment in
face of these circumstances was taken
to Nov. 49, President Haga drafted a
report which was presented and adopt
ed by a majority of the members of
the board. 1t exonerates Superintend-
ent HUMPHREYS and through it's adop-
ton retains him in charge of the in
stitution. This report is as follows:
Haga's Report.
I'm this case, as in all school mat
ters. the welfare of the children is
the highest law. The law requires
that the industrial school shall be
maintained for the care. protection
Evening capital news. (Boise, Idaho) 1901-1927, 1912-11-20

recommend further that he be request
ed to embody in his biennial report
an estimate of the officers and help
which in his opinion should be en-
ployed at the institution. and the SAL
aries which should be paid In order to
secure experienced and competent Of
ficers and employees"
Evening capital news. (Boise, Idaho) 1901-1927, 1912-11-20

we'll as a guarantee that the punish
men will not be unduly severe.
1.-THE testimony has clearly developed
that the superintendent has had too
many duties to perform and has not
had the assistance or help which he
should have had in order to accom-
plish the most for the children, and l
Evening capital news. (Boise, Idaho) 1901-1927, 1912-11-20

ished, the extent Of the punishment,
and the name Of the witness. This
should be signed by the person admin
istering the punishment and the wit
ness should certify to the extent Of the
punishment. This is a protection to
the institution and the officers against
exaggerated and unfounded charges, as
Franklin's paper the statesman., 1912-04-13
Rae. Making ooubI. Fight For Lii,

hHCO mdKTHg OUu9F0 rYrTs eT
To work hard for living and tight
race prejudice at the same time Is the
experience of many persons Dr. Book
er T. Washington says any man who
has to work against poverty and race
prejudice at the same time has 81
gantic problem to cope with. That IS
true, and the success of the colored
people in this country has been mar
velous In view of the foregoing facts,
1t takes person or a race OF more
than ordinary patience. physical and
mental capacity. grit and persistence
to stem the tide of injustice and in
equality of opportunity such as the
colored people in the United States
have to combat. and yet they are
brave and optimistic.
Franklin's paper the statesman., 1912-04-13

story of the building of a church on
his station, known as the "Vinton Me-
morial," MT. vinton said that $31 900
structure represented 10000 days of
labor by the natives of Burma.
He gave an excellent illustration of
the use of the tonal language of Bur
ma. About sixty-seven languages are,
spoken in "pagoda land"
Franklin's paper the statesman., 1912-04-13
PHASES OF LIFE IN BURMA.
Work Of Converted Natives Related by
Rev. Mr. s. r. Vinton


Rev. S. Il. vinton. who has been in
mission work for twelve years in Bur
ma. spoke recently Mt the Hampton
Va) institute. He told briefly the
story of Baptist missionary work dur
ing rts past sixty years and referred
D. the fact that there are In Burma
ihany native Christians ut the present
time.
Mr.. vinton said that In his own field
there were 100 organized churches.
having 1000 communicants. Much of
the missionary work Is being done by
converted natives. Owing to the lack
OF roads and TO the wet and dry sea
sons communication is extremely diff
cult The missionaries are compelled
to travel In OK carts and often suffer
from the wear and tear OF travel.
Rev. Mr.. vlnton showed with the aid
of colorcd lantern slides and moving
picture films the various phases of life
in Burma and the beauties OF the cost
ly pagodas. He declared that some of
the pagodas reach n height of 365
feet and are quarter Of n mile in cir
cumfcrence at the base The pagodas
are monuments OF n sacred character
Mt which the people of Burmn worship.
These structures are substantially built
and are famous the world over for
their ornnmentatlop.
The cheapness OF labor makes 1t pos
sible for the government OF Burma to
hire ~ at IL cents II day tc water the
streetS The ordinary unskiled laborer
enrns IL cents day. In tellin. the
Franklin's paper the statesman., 1912-04-13

The above cut represents Nine. Iohp-
son as she ts today, with her own NAT
URAL HAIR cultivated by the use OF
our own Hair Remedies. She can do for
you what she has done for herself md
thousands of others in every part of this
country.
Use Johnson's Hair Food, for CROWN Q
Hair on bald heads and bare temples. Il
makes hard, dry hair; soft, moist, slossv
and luxurient. Per Jar. sos.
Use Johnson's Hair Grower. for Inyir-
Grating, Strengthening, Nourishine the
Roots and Stimulating the Hair growth
Aer oottie' ...--. ............... SOC.
Use Johnson's Dandruif Cure. 1t cleans
the Scalp of gum, grit, dandruff, scales
and dirt, and leaves it healthy and pure
's' Jar ......... -.-,-'.,..... 25c.
Use john.on's Itch Cure. 1t will stop
that itching Scalp. Per Jar, ...,.... csc
Use Johnson's Shampoo Cream. for
shamPooing the scalp and hair. 1t clean
ses and beauties. Per Jar, 95c.
Use johnson's Medicated Soap, for the
complexion, shaving, shampoinr and
skin diseases. Per Cake, .e5c.
Use lohnson's Cream of Camphor. 1t
oeautites the face, hands and neck. Re
heves headache and neuralgia and will
gradually tighten the skin. Per Bot. so,
use Johnson's Sure Hair Dye. Changes
inc grayest hair dark after few applica-
dons. Per Bottle, 81 0o
We are the Pioneer manufacturers of
Seientihc Hair Preparations in the United
States. We also make Wigs. Switches.
fomps, Coronet Braids, Putts and front
Parts to match your hair. Best work
mnnshiP. Lowest prices.
Send loc for large sample Jar of John.
sons Hair Food and terms to Agents.
Write your letter to
Dr. W.MExAHDER JoHnsoH)
Line. MARY l. JOHNSON ''"''
6sl shaxnut Avsnus, Boston, Mass
Please mention this paper.
Franklin's paper the statesman., 1912-04-13

FOR RENT-Rooms furnished In Z
6 modern house at 1928 California
street Mrs. A. G. Griffin.
Franklin's paper the statesman., 1912-04-13

For well heated rooms with all mod
ern conveniences. call up Mrs. Perk'
ins. 2447 fremont place. phone
Champa 1856.
Franklin's paper the statesman., 1912-04-13

FOR RENT-F'urnished rooms in
modern house at 2535 Clarkson street.
Newly furnished. Mrs. Shafer.
Franklin's paper the statesman., 1912-04-13

FOR RENT-Two large front rooms.
elegantly furnished in modern house.
Phone purple 1796. Mrsh Callie How
ard 2418 Champa street
Franklin's paper the statesman., 1912-04-13
coNTINEMTAL LIFE AND INVEST
6EMT COMPANY OF SALT LAKE
CITY, UTAH.

CITY, UTAH.
Liabilities ................. 642,0g1.s3
Capital ......--.....--.... 2Os,SI5.o0
STATE OF COLORADO. Insurance Dept.
CERTIFICATE OF AUTHORITY FOR
THE YEAR ENDING FEBRUARY
2sTH, 1913.
office of Commissioner of Insurance.
1T Is HEREBY CERTIFIED, That
the Continental Life and Investment
Company, a corporation organized under
the laws of Utah, whose principal office
is located at Salt Lake City, Utah, has
complied with the requirements of the
laws Of this State applicable to said
company, and the company is hereby
authorized to transact business as an
insurance company in accordance with
Its Charter or Articles of Incorporation.
within the State of Colorado. subject to
the provisions and requirements of the
law until the last day OF February, in
the year of our Lord one thousand nine
hundred and thirteen.
NTESTIMONN WHEREOF. l. w. l.
CLAYTON. Commits sioner of Insurance
OF the State OF Colorado. have hereunto
set my hand and affixed my seal of
office. at the city of Denver. this LIST
day OF March, A. u. 1912.
w. l.. CLAYTON,
(Scal) Commissioner OF Insurance.
EDWIN STARKEY,
Deputy.
Published In The Statesman by au-
thority OF Commissioner Of Insurance.
Franklin's paper the statesman., 1912-04-13

FOR RENT-Furnished rooms In
modern house. Mrs. Singleton. 2443
fremont place Phone ChampA 27S.
Franklin's paper the statesman., 1912-04-13

l'OR RENT-Furnished rooms In a
Nnodern house at 2549 Clarkson street
Franklin's paper the statesman., 1912-04-13

FOR RENT-Furnished rooms In
modern house. very close in. 629 22d
St. Mrs. Sanford. phone Champa 76l.
Franklin's paper the statesman., 1912-04-13

FOR RENT-Furnished rooms in
modern house. Mrs. Mayme Jeter.
234l Champa street.
Franklin's paper the statesman., 1912-04-13
HOUSES AND ROOMS
FOR RENT-Furnished rooms At
1921 Arapahoe street. Phone Olive
1856. Mrs. l.. P. Holmes.

FOR RENT-Furnished rooms f.
man and wife or gentleman, at 2640
Lawrence street Modern house.
Franklin's paper the statesman., 1912-04-13

FOR RENT-A nice large front
room in modern house. with use of
kitchen. for man and wife. 1850 Hum
boldt street. Phone Blue 1860.
Franklin's paper the statesman., 1912-04-13

FOR RENT-Furnished rooms. mod
srn. very convenient. 22ls Curtis st.
Phone Main 1862. Mrs. Frankie Martin
Franklin's paper the statesman., 1912-04-13

FOR RENT-Furnished rooms IL
modern house at 2450 fremont place
Mrs. Franklin.
Franklin's paper the statesman., 1912-04-13

Large front room for man and wife
with use OF the kitchen. $500: one
person, $500. 1922 Stout street
Franklin's paper the statesman., 1912-04-13

CARPET CLEANER
Volcano. Phones Champa 14s, York
@0lb
Franklin's paper the statesman., 1912-04-13

FOR RENT-Furnished rooms In
modern house at 1888 Welton street.
Phone Main 1925.
Franklin's paper the statesman., 1912-04-13

FOR RENT-Furnished rooms at
1889 Marion street. Phone Purple
s67.
Franklin's paper the statesman., 1912-04-13

CARPENTER,
Ernest Howard. i0c1 21st st.
Franklin's paper the statesman., 1912-04-13

MEMS CLOTHING.
Quality Clothes Shop, 1015 18th st.
Franklin's paper the statesman., 1912-04-13

FOR RENT-Furnished rooms in
modern house; men preferred. Mrs.
f. H. Jones, 1850 fremont Place.
Franklin's paper the statesman., 1912-04-13

FOR RENT-turnlshed room in
modern house. 2ii7 ogden street;
phone Blue cog.
Franklin's paper the statesman., 1912-04-13
he Original
Hair Grow erS
We Grew Our Hair
Now Let Us Grow
Yours with. -,
TRADE MARK
Registeredl

m dsrs.
"a
When first began wonderful of
Of
BALD OF the head
possible;
achieving The proof of the
Is good) "PoRO" We "PoRO~
Prepared bv MRS
POPH BEWARE IM1ATIoNS
e." Sal to to Address MRS. A. NJ. POPE-TURNRO
500 Pine ST. ST. Louis, Mo- Bell Phone
Branch Office Boulder, Hill
Franklin's paper the statesman., 1912-04-13

SHOE REPAIRING
G. c. Dennis, 1876 Champa street,.
Champion Shoe Repairing, 2056 Lar
inner st.
THEATRES.
Crescent PLoteo Play House, 2715
Welton st.
The Lorraine, 725 E. Goth ave.
UNDERTAkERS.
Douglas Undertaking Co., 1923 18th
street
A. NJ. Lawhorn, 1921 Arapahoe ST.
WATCH REPAIRING.
VIM. Voie Is, Gil 9th ST.
Franklin's paper the statesman., 1912-04-13
Hiss Il. COWDEN.
Hair Dressing
PARLORS.

Shampooing. cutting and curling.
All hair work made to order. Hair
tonics. scalp treatments, manicuring;
stage wigs for rent for theatrical use
or mask balls. Cheapest switches, 50
tents. Goods delivered out of the city
Phone Champa 1881
1919 21st street. Denver. Colo.
Franklin's paper the statesman., 1912-04-13

BARBER SHOPS.
A. Z. Ballard. Rky. Mt Association.
20l4 Champa st.
Five Points Barber Shop, 2712 Wed.
ton st
Joseph welch. 2232 Larimer st.
Carrie & Carrie. 1881 Arapahoe st.
Franklin's paper the statesman., 1912-04-13
ENTERTAINMENT HALL.

ENTERTAINMENT HALL.
FURNITURE REPAIRS.
]. H. Btggins, 2231 Washington ST.
HAIR GOODS AND TOILET SPEC
IALISTs.
Miss NJ Cowden, 1919 21st St.
Leader. 2O571a Larimer st.
Mrs. A. NJ. Pope, Turnbo. 3100 Pine
ST., St. Louis, Mo.
HARDWARE.
Five Points Hardware, 1868 Weltor
street.
HOTEL.
The Abyssinia, 2226-30 Larimer street.
Palmer hotel, 2130 Arapahoe street.
ICE CREAM.
Five Points Creamery, s17 E. 26th
Ave.
LAWYERS.
w. B. Townsend. 209 Kittredge build
ing. 10th and Glenarm SITS.
Alley W. Lewis. 1941 Arapahoe St
MONEY LENDER.
A. j. Arfsten, 2945 Larimer st.
MOVING AND STORAGE.
|. NJ Thomas, 2541 Welton St.
oRcHESTRAS.
Arthur Jackson, 242O Walnut St.
Webster's, phone York 1897.
ORPHANAGE.
The Colored Orphanage and Old Folk
Home, Arvada, Colorado.
OPTICIANS.
Swigert Brothers, 1850 California st.
PAINTING AND WALL PAPERING
J. T. Frary, 1897 Lawrence st.
PICTURE FRAMING
]. B. oglesby, 2622 Welton st.
POOL AND BILLIARDS.
Ideal Pool Hall. is43 Lawrence st.
PRINTING.
C. A Franklin. 18th st.
RAILROADS.
Denver & Rio Grande, 18th and Stout
sts.
REAL ESTATE AND LOANS.
The Colored American Loan & Realty
Co. 913 21st St
Five Points Realty Co., 1908 Welton
ST.
RESTAURANTS.
The Newport Cafe, 1s4l Arapahoe ST
Mamma Neeley's Restaurant, 1929
Arapahoe St
SALOONS.
The Newport, 1s45 Arapahoe ST
SOCIAL CLUBS.
The Capitol. 921 Goth st.
The Railroad Men and Walters, PA
Curtis st.
The Rocky Mountain Athletic Asso
citation. 2014 Champa st
Franklin's paper the statesman., 1912-04-13
CLASSIFIED
Advertisement

ARCHITECT.
c. w. Wiggington. IL Union Blk.
Omaha, Nebr.
Franklin's paper the statesman., 1912-04-13

FOR RENT-Furnished rooms in
mdern house with electric lights, a,
1895 Osceola street Mrs. Moore.
Franklin's paper the statesman., 1912-04-13

FOR RENT-Furnished room a
1858 Curtis street.
Olive 1856.
Franklin's paper the statesman., 1912-04-13

BREWERIES.
Capitol Brewery. phone Champa $50.
Franklin's paper the statesman., 1912-04-13
SOCIAL CLUBS.

SOCIAL CLUBS.
The Capitol. e21 goth st.
The Railroad Men and Walters, PA
Curtis st.
The Rocky Mountain Athletic Asso
citation. 2014 Champa st
Franklin's paper the statesman., 1912-04-13

FOR RMTAFurnished rooms in
modern house at 1921 Vrain street
Phone Gallup 87e.
Franklin's paper the statesman., 1912-04-13
OCCIDENTAL LIFE INSURANCE COM
PANY OF ALBUQUERQUE. N. n.

AIIhpklTAs
OCCIDENTAL LIFE INSURANCE COM
PANY OF ALBUQUERQUE. N. M
Assets Na9Nsf- y 4
Liabilities ..-------..--..- lt5.ziS-os
Capital .................-.. 10000. 90
Surplus ACKNOWLEDGEMENTS. 15.sS5.5S
includes Life and Accident DeptS.
STATE OF COLORADO. Insurance Dept.
CERTIFICATE OF AUTHORITY FOR
THE YEAR ENDING FEBRUARY
2STH. 1918.
office of Commissioner of Insurance
1T Is. HEREBY CERTIFIED, That
the Occidental Life Insurance Company.
a corporation organized under the laws
Of New Mexico. whose principal office
is located at Albuquerque. y. NJ. has
laws of this State applicable to said
company. and the company is hereby au-
thorizcd TO transact business as an In
surance company in accordance with its
Charter or Articles OF Incorporation.
within the State of Colorado. subject to
the provisions ard requirements of the
law. until the last day OF February. In
the year OF our Lord one thousand nine
hundred and thirteen
IN TESTIMONY wHER EOF. !, W. l.
CLAYTON. Commissioner of Insurance
OF the State OF Colorado. have hereunto
set my hand and affixed my seal of
office at the City of Denver. this LIST
day OF March. a. n. 1912.
w l.. CLAYTON,
(SealD Commissioner OF Insurance.
EDWIN STARKEY.
Deputy.
Published I'm The Statesman by au-
thority OF Commissioner OF Insurance.