davidaulloa/AmericanStories huggingface dataset:
The Fairmont West Virginian. (Fairmont, W. Va.) 1904-1914, 1913-09-09

Under the new charter the paving
is done by ordinance which must be
published before It Is passed. The
people can repeal any ordinance tina!
is not Just by direct referendum vote,
There does not seem to be much
ground for the claim that the peoples
property will be practically confiscat-
ed by paving improvements. The
paving boogaboo is only held out to
appeal TO the prejudice Of the people,
since most of the taxpayers of the
city have already paid for their paw
ing, and the principle streets are to
beipaved under the Fairmont district
bond issue. There will be enough
brick taken up from the streets paved
by the district to pave practically all
other streets in the city which need
paving. The paving ordinance is In
accordance with the state law found
in the acts of.19O8.
The Fairmont West Virginian. (Fairmont, W. Va.) 1904-1914, 1913-09-09

cnamating from the opposition met
with defeat. Democratic leaders do
ing their utmost to suppress general
speeches and force progress.
The tariff bill as changed for final
passage in the senate is the nearest
approach to free trade that has ever
been proposed by the American con-
gress. As it left the house the aver
age ad valorem duty was about 30
per cent, but as determined by the
senate. the average nd valorem has
been cut to about rs per cent.
The Wilson law of 1894 and the
Walker tariff of 1916 carried rates
nearer protective than those in the
present bill. All industries have
shared in the reductions, although
the metal schedule receives the most
radical treatment. Iron ore is placed
upon the free list. In the Wilson
law 1t carried duty Of 40 per cent.
The Fairmont West Virginian. (Fairmont, W. Va.) 1904-1914, 1913-09-09
R. GHKESOM,
cIothIer and FurnIShor
1o7 Main 81

to sell, no matter whether he be in
one OF the department stores, or
whether in the hardware, jewelry
clothing, tailoring or only in the
grocery business.
Let us all show together. Three
days, or two days. This plan will
prejudice no individual interest. It
will, on the contrary, be help, now
and hereafter, for all.
What 90 the officials Of the Re-
tail Merchants Association think OF
the plan?
DO you want to help make Hunt
ington great?-Huntington Herald
Dispatch.
This plan is worthy the attention
Of the Fairmont merchants and nc
doubt would be the means of bring.
ing many people to the city if It is
worked out.
The Fairmont West Virginian. (Fairmont, W. Va.) 1904-1914, 1913-09-09
WIZ " N q All nOPENING" WEEK!
.G2EHH,SG'

Within the next three weeks all
Of the principal members of that
splendid galaxy of establishments
which comprise mercantile Hunting
ton will; more or less formally, ded-
icate themselves to public favor.
These events, usually known as
..openings," have occurred at vary
ing Intervals in the past, each es-
Establishment acting for itself, indie
pendent Of the others. A day or an
evening has been set apart by par
ticular establishment, and. that es-
tablishment, arrayed in. its finest,
has been opened With due ceremony
to al expectant public, comprising
Hunt ngton and all the region ac>
cessihie. These individual open
ings leach for itself, attract annual
lily the attention of thousands of out
Of town buyers. And they count
materially in ihTitihgItrade.' Wv.
But there is, in our opinion, bet
ter plan. Why not the retail mer-
chants of Huntington, including de-
partment stores, clothing and fur
nishing stores, iewelry stores, tailor
ing establishments, furniture and
hardware stores, all unite upon an
opening week? II, after delibera-
ton, "a week should appear too long
agtime for the first trial of the pro.
ject, make 1t two days and evenings,
or three days and evenings. Hunt
ington, at the present time, could
stage magnificent fashion show,
andpit could supplement the fashion
show with q repr in other
lines Of merchandise that would be
no less attractive. The announce
ment that all of the merchants in
Huntington were preparing for a
simultaneous showing Of fall goods
would bring thousands of people to
the city, and the magnitude Of the
combined effort would be such as to
afford a remarkably powerful in
ducement. The impression left by
such a showing would, unquestion-
ably, work wonders in the extension
Of Huptington's retail trade.
The stores this year will be big.
ger, better, finer, more comprehen.
siye In their selections and assert,
ments than ever before. The time
is right for fashion show. And
fashion includes everything the pro-
gressiye Huntington merchant has
The Fairmont West Virginian. (Fairmont, W. Va.) 1904-1914, 1913-09-09

immediate. Now that its long run
in New York has come to termina-
tion the company is on tour and it
will be seen at the Grand next Satur-
day.
"a Butterfly on the Wheel" is n
story of the wife of u member of Brit
ish Parliament, who commits slight
indiscretion. This, however, is suf-
licient for the husband to sue for di-
vorcc and the big scene in the play
shows the court room with the "Dut-
terfly" on the witness stand. The
production has gathered an abund-
ance of evidence. much of which has
been gained by hired detectives. II
The Fairmont West Virginian. (Fairmont, W. Va.) 1904-1914, 1913-09-09

Under the new charter the COM
missioners are required to have Of
fices at the city hall and be on the
job every day. Under the old plan
council meets about once a month
for a few hours, usually in the even
ing, when they can get quorum, to
transact the important bus
mess of the city. Do the tax pay
.ers and rent payers of Fairmont see
any advantage in having the com
missioners devote their time to the
service of the city for which they
are paid?
The Fairmont West Virginian. (Fairmont, W. Va.) 1904-1914, 1913-09-09

is the cndeavor of the prosecuting at
tcrney to handle the witness as
roughly as possible and by means fair
or unfair hold her up in the eyes OF
the court and the jury as a guilty
woman.
As the case progresses 1t is evil
dent that the sympathy Of the audi
ence is with the witness, yet the same
feeling is not to be found on the stage
fer, although she makes frequent APP
peals to the mercy OF the court, she
Is told to answer questions and not
offer criticisms. In the end she breaks
down under the fire of the fierce
cross-examination.
The Fairmont West Virginian. (Fairmont, W. Va.) 1904-1914, 1913-09-09

Under the new charter the CON-
missioners are required to deposit
the funds of the city in some bank or
banks in the city which will pay ~
per cent. interest on the deposits and
the banks are required to give bond
for the safety Of the deposits. The
old charter makes no such provision
and never has anyinterest been paid
on the clty's deposits. Never has any
bank been required to give bond for
the safety OF the money.
The Fairmont West Virginian. (Fairmont, W. Va.) 1904-1914, 1913-09-09
FOR THE AND R.

And now comes the strongly Re-
publican Fairmont West Virginian
earnestly supporting the initiative
and referendum in the new Fairmont
charter. 1t hasn't been many years
since the mere suggestion OF the In
itiative and referendum and recall
was, to West Virginia Republican
newspaper or politician, like shaking
a red rag in a bulls face. But times
are changing. = Huntington Adver-
tiser.
Is this a knock or a boost?
The Fairmont West Virginian. (Fairmont, W. Va.) 1904-1914, 1913-09-09

Some say the new charter is dis
Criminatory against the minority par.
ties, and does not give them a chance
for representation in the city gov
crnment. 1t is just the opposite. The
minorityparty is insured representa-
tionon the board and no political par
ty can have at any time under any
circumstances a majority. Under the
present plan there is now no minor.
ity representation.
The Fairmont West Virginian. (Fairmont, W. Va.) 1904-1914, 1913-09-09

Under the new charter the cotn+
.missioners may extend the time Of
for street paving ten years
and pay 1t on the installment plan
Under the old charter the amount is
due when the work is completed.
The Fairmont West Virginian. (Fairmont, W. Va.) 1904-1914, 1913-09-09
"A Butterfly on the Wheel, "

The difference between careful
stage management and haphazard
work is we'll illustrated in the case
of "A Butterfly on the Wheel, >
which was produced in New York
last season. This is drama by Ed
ward C. Hermerde, X. c. and Francis
Nelson, NJ. p. which had long run
in London also where its success was
The Fairmont West Virginian. (Fairmont, W. Va.) 1904-1914, 1913-09-09

Under tho new charter the commits
sioners who administer the city gov
eminent are required to give bond.
Under the old charter the council
handles about $175,0OO Of the peo-
pies money each year without any
bond'at all being required.
The Fairmont West Virginian. (Fairmont, W. Va.) 1904-1914, 1913-09-09
Hume Inflnences

In an address at Great Falls, Va,
few days ago, Vice President Mar
shall expressed the opinion that
home influence, and not law, is need
ed to curb the tango" and turkey
trot" styles of dancing and the slit
skirt fashion in dress. He's quite
right. Wise and firm parental in
struction and influence are needed
now as never before. - Shepherds
town Register.
The Fairmont West Virginian. (Fairmont, W. Va.) 1904-1914, 1913-09-09

Under the new charter every vote
on all questions, unless 1t be unan-
imous vote, must be recorded. You
can locate responsibility in this way.
Under the old plan you never know
who is responsible for anything.
The Fairmont West Virginian. (Fairmont, W. Va.) 1904-1914, 1913-09-09

Under the new charter no COM
missioner can make a contract with
the city to furnish any supplies. I'm
der the old plan it has been a COM
mon practice.
The Fairmont West Virginian. (Fairmont, W. Va.) 1904-1914, 1913-09-09
Great Responsibility.

Under present conditions of soci-
ETY. the profession of teaching takes
on new aspects and becomes more
closely associated with the moral as
we'll as the educational welfare Of
the community. 1t is impossible for
the school teacher to escape the SOL
cmn responsibility involved in his or
her work.-Philippi Republican.
The Fairmont West Virginian. (Fairmont, W. Va.) 1904-1914, 1913-09-09

Under the new charter the mini
mum amount of the bond for the
city treasurer is $4,000. Under the
old charter 1t is only $4,000. Dc
the tax payers and rent payers OF
Fairmont object to having this addi-
tional protection for their funds?
The Fairmont West Virginian. (Fairmont, W. Va.) 1904-1914, 1913-09-09

Under the new charter the limit
of Indebtedness for any and all pur-
poses, including bonded Indebtedness
is limited to SO of the taxable prop
erty. Nobody's property is likely to
be confiscated and sold with $50 of
assets.
The old charter is silent on this
subject.
The Fairmont West Virginian. (Fairmont, W. Va.) 1904-1914, 1913-09-09
s. COS 81. is
= go DE Is IS E S:5E5;5
NSY Ka q I93S JSY
NSEgz4ES5EESgAsSIsss

The six girls of Salem, o., who
kissed all corners at 81 kiss to the
extent of 100000 to found a hospi-
tai will be lucky to keep out of it
that is, if kissing is as unhygienic
as some say.-Huntington Advertis-
er.
The Fairmont West Virginian. (Fairmont, W. Va.) 1904-1914, 1913-09-09

A Paterson, N. j., police Judge dis
missed a barber. charged with work
ing on Sunday because the customer
was going to church. This will
serve as notice TO golfers who want
a Sunday shave, as to their construc-
tive Standardization Sentinel.
The Fairmont West Virginian. (Fairmont, W. Va.) 1904-1914, 1913-09-09

Harry Thaw may go back to Mat
teawan, but he has at least had a
run for his money, so to speak. He
evidently enjoys being in the lime
light and popular attention. He has
gotten his full share of it, and has
had lots of fun.-WheGling Intelli'
gencer.
The Fairmont West Virginian. (Fairmont, W. Va.) 1904-1914, 1913-09-09

Under the new charter the COM
missioners cannot expend an amount
of the city's money over $4,000 I'M
less it is by vote Of majority of the
commissioners.
The Fairmont West Virginian. (Fairmont, W. Va.) 1904-1914, 1913-09-09

"A negro was hanged in efCigy by
an Ohio mob. That plan possesses
the advantage of making it possible
to reCtify the mistake if it is after
ward discovered that the wrong man
was strung up.-Wheeling Register.
The Fairmont West Virginian. (Fairmont, W. Va.) 1904-1914, 1913-09-09
Ten 10 One.

If the commission charter were to
be voted on today, the odds would be
about ten to one on its ratification.
Wheeling Register.
The Fairmont West Virginian. (Fairmont, W. Va.) 1904-1914, 1913-09-09

Song recital, Mrs. Grace Il. Powell,
soprano, First ME. church, Thursday
September 11th.-Adv. 80,
The Fairmont West Virginian. (Fairmont, W. Va.) 1904-1914, 1913-09-09
We're At Your
Door Promptly
With orders

49, ltFHt ~ Fft ~
lust as soon as your tele- ,
phone order is received. it is
qtiicklyifilled and in almost the
wink o. an eye YOU have the
soods5youe want right at hand'
It's eur idea to give you the
very bsst drug store service for
miles aFoand = possibly the
Very best in the state. You'll
Ing paF prompt delivery SER
yios asiwell as our.full strength
pure drugs and all our other
htgh Quality drEg store goods,
gf8RG'S Drug Store
The Fairmont West Virginian. (Fairmont, W. Va.) 1904-1914, 1913-09-09
!, T T ToTAI ERE I { 4 SHOP
PROUD TO MEET HIM

Our store and business have crown
entirely on the foundation Of PTE-
Lie SATISFACTION With the best
service, the best assortments, up.to-
the.minute styles and the lowest con-
siStent prices. Call and be conVinc.
ed.
The Fairmont West Virginian. (Fairmont, W. Va.) 1904-1914, 1913-09-09

Is this a knock or a boost?
Atlanta Georgian. [volume] (Atlanta, Ga.) 1912-1939, 1913-02-14

"A S@ or AN APOLOGY
| AS HERMAN WOULD
IM' We DEAL IN
NOTHING eUT GENTLE
WM0R IF We DREW
tNAAT HAPPENED IN THIS
SPACE I'VE WOULD eE
VIOLATING OUR ROLE.
I'VE TRY OUR BEST TO
KEEP SHRIMP FLYNN
Fe The RoOSA STUFF
BUT At TINES AE
SETS ToNo OUR
EoNrRN. We ARE
merry VERY SORRY.
=. EDToR.
Atlanta Georgian. [volume] (Atlanta, Ga.) 1912-1939, 1913-02-14
Us Boys

vs. 4 as = IT ~ = 9og xS T JEaLogs 4l
The Adair County news., 1913-08-06
AbSher.

Mr.. ". A. Martin and sister,
Bertha, who have been confined
to their rooms for some time. are
able to be up again.
Mr.. and Mrs. Owen HUMPHREYS
and children spent Sunday at
Mr.. w. H. Caves.
Mr.. and Mrs. Mont Bault Wis
tied the latter's mother, Mrs.
Mile Watson, last Sunday.
Mr.. l. C. Thomas, Of Camp
bellsville, was here one day last
week, on business.
Mr.. and Mrs, R. A. Cooley and
sons, have returned from a
weeks stay with the formers
sister, Mrs. C. T Walling, of
Lexington, and report a Fl n e
time.
Mr.. and Mrs. N. r. Thomas
and children visited at W. P.
Dillingham's last Sunday.
Several from here attended
Childrens Day, at Aspberry Chap
ell, the 9th.
Mrs. Henderson Wheat spent
several days, last week, visiting
her sisters, Misses Bette and
Louise Absher and Mrs. Ermine
Green.
School at this place is progress
ing nicely, under the manage
ment of Miss Annie Royse, of
Garlin.
Mrs. Ben Thomas was called to
the bedside of her sister-in-law,
Mrs. Jno. Arnold, who is very
low at this writing,
Miss Eula Martin spent last
Monday and Tuesday with her
aunt, Mrs. Lee Robertson.
Mrs. Will Van Hoy and child
rem, of near Cane Valley, spent
Sunday at Delaney Robertson's.
The Adair County news., 1913-08-06
Edith.

Mr.. and Mrs. Mont Harmon
who have been sick for the past
few days are better a t this
writing.
Mr.. John Corneal visited
friends at Columbia, last Satur-
day.
Election News is the order of
the day in this neghborhood.
Messrs. Will Ed Squires and 10
Knifey of Columbia, visited
friends and relatives here from
Saturday until Monday.
Mrs. Mamie Allen, who lives
in Arson, Kansas, is spending a
few weeks with her father, Mr..
Dock Williams.
They will soon start the new
church building at Tabernacle.
The school at this place is do
ing good work under Miss Sarah
Collins.
Mrs. Valeria Campbell is hav-
ing a new barn erected on her
farm near this place.
Miss Bell Mings, who has had
typhoid fever, is reported better.
Mr.. J. Butler, of Mt. Pleasant,
was in our midst one day last
week.
We are glad to know that Mr..
Woods Evans who has been sick
for some time, is able to be out
again.
The Sunday School at Taberna-
Gle is progressing nicely, with
Mr.. W. R. Knifey Superintend-
ent.
MIR. Melvin jones has moved
his saw mill from Dameron's
creek to Neatsville, where ne
will begin work next week.
The Adair County news., 1913-08-06

Born, to the wife of Joe Beard,
July 10Th, a boy.
Mrs. Ruth Miller, of Columbia.
spent a few days of last week
at her uncle's, DR.. ]. G. Gose,
this place.
Mr.. A. A. Miller, candidate
for Sheriff, was in this section a
few days last week,
Died, at W. Boards, Mr.. Clar-
ence Jesse, July IA, 1913, a son
of John W. Jesse, who lives near
Toria, Adair county.
Mr.. C. E. Walker is replacing
his grist mill-dam at Watson,
which washed out last winter.
Mr., w. l. Ingram and son,
John, o f Columbia, were in this
section a few days of last week.
Mr.. L. Y. Gabbert, of Gadber-
ry, candidate for County Clerk,
was to see voters in this precinct
few days last week.
Miss Nell Tupman, teacher at
Watson, has moved her school to
the new house, recently erected.
Mr.. 10 Beard, at Watson, has
the incest tobacco crop in this
section.
Mr.. Hut Baxter, who sold his
farm here. sometime ago, has
bought another farm near Mont
pelier for 81 100.
Mr.. Tom HUMPHREYS bought
several weanling calves, from
different parties at,S15 to $3.50.
John Pike sold a milk cow and
calf to Geo. HUMPHREYS for $5l.
Mr., Owen Hendrickson and
family. of Casey county, visited
Mr.. W. P. Dillingham; and family
last Saturday and Sunday.
There are three cases of chills
at John Arnolds, himself, wife
and daughter, Bess. Mrs. Ar
mold having had two conjestive
chills, and is very low at this
writing.
Henry Collins, Of Campbells-
vile, was in this section, last
week, looking after fat stock.
The Adair County news., 1913-08-06
What The Weekly Enquirer Is

1t is issued every Thursday, Subscription price
81 per year. and it is one of the best home met
ropolitan week.-mrs. of to-day. 1t has all the fachi
ties Of the great DAILY ENQUIRER for obtain
ing the Worlds events, and for that reason can
give you all the lead news 1t carries great
amount of valuablefl I'm matter. crispt editorials
and reliable up-to-daf, market reports. Its nu-
rnerous departments ma anecessity TO every
home farm or business ma
This grand offer is limited and we advise you to
take advantage by subscribing for the above com
bination right now. Call or mail orders to.
THE ADAIR COUNTY NEWS.
The Adair County news., 1913-08-06
"A State Vice Invitation
Monster Barbecue to B. Given by j. N Camden
i at Versailles, Aug 20, 1915

<HIS meeting of farmers
to be
state become his
the getting together there will something
the who the soil
Of
This Of
chance
will
be
The Adair County news., 1913-08-06
Knifiey

The health of the community
is very good at this writing.
Mrs. Auora Dillingham;, of Alb
sher spent last week with her
sister, Mrs. Owen Hendrickson,
of Casey county.
School i s progressing fine
under h management o f
Mrs. w. L. Russell.
The Adair County news., 1913-08-06

For quarter of century the great problems of
and Of ion handled
upon the advice OF experts whose accurate
scientific knowledge extends points
In the past years able
that farming could he put upon the basisthat
instead OF being Of necessity haphazard enterprise
1T is Of the most scientific businesses in the
those processes of nature upon which 1T depends.
1t has been realized also, principles
Of co-eperatio ion which great
things in the industrial world, may
equal effectiveness re aims o agriculture.
TO aid in the rapid spread of these ideas ard
prime 1gles seems TO he a useful noble
ssfka and in which. would gladly part
Kentucky.
With this thought, 7 ave give
fashioned Oarhecue in Woodf County
Versailles, Wednesday, August 10th. Tt Will
aim to have matters along the lines indicated dis
cussed by of the great tural experts
the country, and it Will be hope may
fresh impetus to the Kentucky farmers
which is already veil begun.
Every Farmer, and every farmers wife, and every
one interested in better farming, in the
feels an interest in increasing agr1c
ture, in lettering the cond 1ife
most cordially and urgently invited my guest
of good Fellowship, and the desire help, all
The Adair County news., 1913-08-06
Foxes Wanted.

Grey Foxes s2.5o, Red Foxes $500;
Minks 5000 to $500 each: Coons 81. 25,
and express. Send name of your ex-
press office in first letter.
w. t. Hodgen,
Ad. Box 232 Campbellsville, Ky.
The Adair County news., 1913-08-06
For Sale.

Three nice cottages, two with six
rooms each, Ole with three rooms,
good water and out buildings, lots ad-
join. The rental value pays taxes, in
surance and interest on $4,000.
Address H. N. Reauchamp,
Box 222, Campbellsville, Ky.
Adv. 26-tf.
The Adair County news., 1913-08-06

published
ougrOwth of this of enthusiasm.
When
sa interest
might wish
be
carefully
pleasing
J. NJ. CAMDEN.
VERSAILLES. KENTUCKY
TO THE FAcERs OF KENTUCKY.
The Adair County news., 1913-08-06
We Want You TO Know That We
Sell ice

Wholesale and retail and al
ways have it. Our prices are
such that its use is within the
limits of every family. Phone
or write for prices.
Clint Smith & Co.
Ad. Columbia.
The Adair County news., 1913-08-06

eis
bandco Is
which
Dreams do
The Adair County news., 1913-08-06
Very sincerely,

housing tobacco show barn at ALL but thooughy santa
there punches fine sleek of which
destined to help feed the 20
The times dispatch. [volume] (Richmond, Va.) 1903-1914, 1913-02-27
UNIQUE MONUMENT
HAS BEEN ERECTED.
Shaft in Honor of Nine Brothers
Who Served in Confed-
crate Army.

:, E;aye,teviile, T. G.. February 2s.-.A
been erected in old Cross Creek Gene
tory this city, only a few feet from
BY the patriotic women Of Fayettevllie
y perpetuates the memory of nine
bro,heis. who enlisted in the confed-
ON the base Of the front of the
u ns is this inscription: "Erected
X. Tolar. who from age of 6fteen years
served. uneniisted, in Army of Ten
lessee, C. s. a., last years %, war"
is inscribed: I'm memory of nine Tolar
Dr0thers;, soma OF Robert and Frances
Nsrth e. car" If All %onntee Gea"'y n
1851. They nave their best sorvices
TO their country as Confederate sol
The names of the nine heroes. who
, lay, In pa s:ss oyer the river and are
II. Tolar Oilled in battle of Wilder
tuTed sarrend H1er Or orf 9ai Fis iSap
Sergeant Matthew A. ToIar: Sergeant
Thomas has,,i. b. T4iar ,wounded and died In
wounded aud disabled for further &C
Tive scrvice); Captain Alfred II. Tolar
fwopnGed three timeSl: Private Haynes
Eugler Joseph NJ ToIar who vas In
Captain William j. Tolar was tho
father or John r. Tolar, the only male
from these nine soldiers.
and John II Tolar as mentioned above.
served rs an unenlsted soldier bov al
the tender age of fifteen Years
John X. Tolar is a pertinent bust
ness man OF New York City and Eay
.Trttevil,e. ~ e, and .prcsideht OF the
1hc monument is 81 very handsome
4ne OF beautiful white Vermont mar
pie, seven feet three inches high. and
is the fine work of T. L. Ren,sb,,re
nroprietor. of Remsburg's Marble and
Granite Works. Fayetteville, " C.
:iohn *. Tolar served as courier with
a tennessee regiment. while his father
anu uncles fought in North and Somth
The times dispatch. [volume] (Richmond, Va.) 1903-1914, 1913-02-27
LYNCHBURG BANKS
ARE CONSOLIDATED
Institutions Merged Under Name
of Lynchburg National Ex-
change Bank.
Ispeelal 10 rhs Tlmes. n!spaten.

Especial TO The Times Dspatchl
l.ynchburr. Va. February 2s.-An-
nounccments were made here to-day
that Lynchburs viii secure two more
million dollar banks and lose another
national bank, this condition being
brought about by the merger OF tho
Lynchburs National and the National
Exchange. under th~ name OF the
Lynchburg National Exchange Bank
with a capital and surplus OF $1,000 :
coo. immediately after this camo an
announcement from the Peoples Ma
iional that it would increase its capt
til from 100000 TO Jsoo.ooc. and sur
plus from 100000 to 100000.
The American National two weeks
ago w1s succeeded by the United Loan
and Trust Company under a state
charter. by which its capital was in =
creased from 100000 to 100000 This
leaves the city with three national and
three state banks. tho three Federal in
stitution3 being million dollar banks