davidaulloa/AmericanStories huggingface dataset:
The Alaska daily empire., 1914-03-04
COAL LEASING BILL IN
 EVITABLE.

THE coal land leasing bill IS
 inevitable. In shaping
 constructive legislation for Alaska the people and the ad- miniStration must accept condi- tionS as they are. Too much time already has been devoted to discussing what might have been had the Roosevelt and Taft administrations executed the laws as they found them on the statute books.
 It is now too late, at least as far as the Boring river and Mat anuSka fields are concerned, to attempt to appropriate the lands under the old order of things. The legally constituted authori- ties, following the narrow con Struction of the law adopted and applied by former Secretary of the Interior Fisher, have decid- ed that nearly all of the original claimants of those coal fields ac- quired no basis for title to them. Their claims are barred-wheth- CT rightfully or otherwise is im- aterial so far as the fact is con- cerned-and no principle of right or justice could be served by throwing the lands open to To- cation by people who have had no part in their discovery and development to the point of de termining their worth. There is no good reason why great areas of coal lands should be of fered as a prize, for swift muSh- CTS with stakes and pencils.
 The government was left to choose between but two logical and practical methods of pro- cedure. The lands of proved value could be plated and sold to the highest bidder, with proper restrictions against mon- opoly, or they could be leased on terms that would appeal to men with the knowledge and capital necessary for their development. The temper of public opinion is such that to attempt the first named method would very likely prove abOrtive. With it elimin- ated the leasing plan only is left, and it has been accepted by the Administration. The result will be that the lands will be made available for those who will work them.
 The WickerSham amendment to the leasing bill, referred to in Saturdays dispatches, should be adopted. It is designed to per init people to obtain title to the lands in the interior and else where in Alaska that contain Ignite and other inferior coals which cannot become a factor in the channels of general com merce but may become valuable for local development, and to permit those who discover and develop new coal fields to obtain ownership of them under the laws as they now are. The ac- ceptance of this amendment would serve to make available the lower grade coalS wherever they could be utilized, prevent al repetition of the injustices and waste caused by the eight years delay that resulted from Roose- velt'S high handed withdrawal orders and the Taft policy of prOcrastination and inefficiency, and offer inducements to others to prospect for more coal lands and more resources that may be capable of development.
The Alaska daily empire., 1914-03-04
ONE YEAR OF WILSON.
THE Democratic Clubs of Ju-
 nnan Haines and Fair

THE Democratic Clubs of Ju- l neau, Haines and Fair
 banks will commemorate the completion of the first year of the Wilson administration to- night. Verify, they should have real celebrations.
 The first year of Wilson has been a notable one. It has meant a great deal to the Unit ed States. It has given the Ma tion a baptism of democracy such as it has not had since the days of the great Jackson. Gov ernment has been returned to the people. The evidences of eff ficiency became apparent at the beginning, and things have been doing ever since. First, dollar diplomacy went into the dis
The Alaska daily empire., 1914-03-04
ST. GEORGE HOUSE OPEN.

The St. George House Is now open and ready for business.
 Everything new. Good light and well ventilated rooms. Baths, electric lights and bells. Good board.
 Reasonable rates by the day, week or month. 1O-1-tf
 I.C. HoULIHAN, Prop.
The Alaska daily empire., 1914-03-04

The jolly crowd, the good smokes the pleasant play will make you happy day by day. Play pool at Burford's and take the kinks out of your liver -2-l6-tf.
The Birmingham age-herald., 1914-03-22
SPECIAL HOME BARGAIN.

$500O-This beautiful new. S-room home in Norwood; has hardwood floors up and downstairs; elegant electric fixtures; tile bath, sleeping porch, built-in book cases: faces east on terraced lot and paved street Let us show you how cas- fly you can make this your home.
 JEMISON REAL ESTATE & INS. co.
 2l1 N. 20th St. Phones 52SO.
The Birmingham age-herald., 1914-03-22

F1Ts~T cured ny daGghfer by slfSpis discovery; doctors gave her up; par fieulars free. X z. Lepso, Island ave, Milwaukee. Va s-i5-2t-st INTERESTED in future? Send birth date and dime for trial reading Mrs. Henker 1858 Bonsailo ave. Los Angeles, Cal. You may ask three questions.
The Birmingham age-herald., 1914-03-22

FOR SALE.
 $3S50-Small cash payment and $40 monthly, Broom: 2-story, bath etc, on corner near car line. North Haven. s200o-$250 cash. SEQ monthly new D. room cottage on corner. near Tide water ear, East Lake This is a neat little home.
 s2359-s2E0 cash, $25 monthly. rooms, bath, etc. near car line, North Haven. s2O00-$200 cash, sz0 monthly. rooms. lots. near Tidewater car line, East Lake.
 s11 O0o--91x100 it.. near 2d ave, be- tween 2Sd and 26th sts. This is a bargain.
 |s1500-s15O cash. s15 monthly. Groom cottage in West End.
 We have a nice corner lot near car line in Powderly on which we will build house to suit on easy payment plan. INVESTMENr REAL ESTATE co. OF ALA. 414-15-16 Amer. Trust Bldg. Phone 764. HARRY LYON, Sales Agent
The Birmingham age-herald., 1914-03-22

$35,0O0 In various amounts to loan on real estate. REAL ESTATE FOR SAI.E. West End-2-story house. corner Elyton st. and 3d ave-; bargain; $S000. West End-New, modern bungalow; oak floors, tile bath, furnace heat S420o. An- other new bungalow, modern, $S350. South Highlands-New, modern home 2- story, beautiful location, oak floors up- stairs and down. tile bath, sleeping porch, furnace heat modern fixtures; $5500
 Several other desirable homes for sale. See US if in the market.
 FOR SALE. Few high class first mortgages bearing s per ceut interest.
 THE MORTGAGEN TRUST CO,
 401-2-3 Empire Bldg
The Birmingham age-herald., 1914-03-22
FOR SALE

HAT'Es-One cent a word n days no ad. taken for less fhnn 25c for first fnser-
 1Ion Iash n,ust aecompnny order.
The Birmingham age-herald., 1914-03-22

LADIES-When delayed or Irregular
 use Triumph pills: always depend able. Relief" and particulars free
 Write National Medical Institute. Mill waukee. Wis 1-25-lOt-su
The Birmingham age-herald., 1914-03-22

FOR sale or trade for real estate. 5-pas-
 senger auto; inquire for Hopwood.
 Daly's drug store, end of Boyles car line. 3-2O-3t
The Birmingham age-herald., 1914-03-22
ONE GENT 4 WORDONE GENT 4 WORDO|
FOR SALE

RAIES-onc cent word a dnys no nd. taken Tor less than 25c for first fnser- ton. Cnsh must arrepspnny order
The Birmingham age-herald., 1914-03-22
REAL ESTATE SPECUIsAToRS' AT
 TENTION.

REAL ESTATE SPECULAToRS AT
 TENTION. The active movement now going on m south Alabama lands Is caused by the influx of investors from all over the United States. At the rate the cut over lands are being cleared and set out into Satsuma oranges, grapefruit and pecan groves, will make the country within 40 miles around Mobile in few years rival the famous St. Gabriel valley of southern California, where raw lana sells at from $500 to S7oo per acre. You have right at Birmingham's seaport gate the same chance to make big profits as south California offered q few years ago. We offer the following snaps for holding or cut up into 5 and 10-acre orchard tracts:
 27s acres, price S17.50 per acre. 120 acres price SIT 50 per acre. 429 acres, price S20 per acre. 2S0 acres price ST 60 per acre 200 acres, price S9.5o per acre. Situated in Mobile county near Mobile. If you buy any of the above tracts we would be glad to resell them in and To- acre tracts for you. Call in and talk 1t over.
 HINES & TOMBSTONE, Room 5S5 Brown Marx Bldg, Birmingham.
The Birmingham age-herald., 1914-03-22

FOR SALE. s250O-Beautiful lot, overlooking the entire city; 50x130; north side of 16th ave-. near 18th st. s6500-Modern, Broom home, elevated lot. stone wall. corner lot. on 18th st., s., near 11th ave-; terms. s1750-Vacant lot. corner Ave I and 14th st; terms. ss75o-New, modern, rooms, hardwood floors, glassed-in sleeping porch, brick mantes. large basement with i.~rvoni's rooms and complete ]. laundry; S. 12th st.; terms easy. This s$the best home in Birmingham for the money.
 ANGLIN-WHITE R. & I. CO,
 Phone 1928. POPS 1st Ave.
The Birmingham age-herald., 1914-03-22

FOR SALE-Northeast corner 18th ave. and 16th st., 30Sx1l5; street graded, curbed.J sidewalk, completed; SIP per front foot Extra bargain. l.. G. Pet tyiohn. 1702 5th ave.
 FOR SALE-By owner, leaving state, one and two broom cottages, right on rar line close to the big Catholic convent. West End; all modern homes and good-10 per cent rental income or more; never vacant; will meet invest or's views or make reasonable terms; have to sell and only yonr fault if you miss any or all of this. Phone 40 Main. J. G. Hancock. 1G21 1st ave.
 2-22-3t-su-wed-fri
The Birmingham age-herald., 1914-03-22
FOX SALE

RATEs-One cent a word . day, ad. taken for less than 25c for first inser- ton. Cnsh nrst sreomp--y order.
The Birmingham age-herald., 1914-03-22

PERSONAL
 | LADIES-sl000 reward; I positively guar antee my great successful Monthly" remedy; safely relieves some of the longest, most obstinate. abnormal cases in three to five days; no harm. pain or Interference with work; mall. s1.50. Double strength S200 Dr. Southington | 2S Long Bldg. Kansas City, Mo. 624-tf CLAIRVCYANr T and palmist; for the next seven days low price reading, soc and s1; Charles Russel. famous clairvoyant and palmist, tells you your name, everything you wish to , know about without asking you @ single question; he advises on love- health, business, marriage, divorce, Investments; tells you how to develop your powers, accomplish your desires remove influences, locate persons or things, how to be successful and haD- py, guaranteed to satisfy you or your readings cost you nothing; hours, , a. m. to daily and II to Sundays; quiet and private location: take North Bessemer street car to Brighton sta ton, second floor Edwards Bldg. large Trick building where you get off car; 20 minutes ride from Blr- minghaJn.
 MARRY-Hundreds wealthy Californians want to marry. Descriptions free Mis-
 sion Unity. B-s39. San Francisco, Cal 1-4-l0t-su MARRY RICH--Matrimonia, paper O highest character. containing hun dreds of photos and descriptions marriageable people with means mailed free: sealed: either sex wri.t today. one may be your idea Ao dress Standard Cor Club. Box 607 Gravslake I'll 11-f2-tf-s LADIES-When delayed or irregular use Triumph pills; always depend able. "Relief' and particulars free Write National Medical Institute, Mill waukee. Wis. 125-l0t-su WOULD you marry if suited? Best matri- monial paper published mailed free The Correspondent (B) Toledo, O. 3-1-6t-su DEVELOP your bust; for 10 cents stamps or silver. We will send you 50-cent package of Dr. Catherine E. Kelly's wonderful treatment for mak. ing the bust plump and firm: also he, booklet. "rhe Perfect Figure" Writ, today. Dr. Kelly Co, Dept 2O6-CE, Buffalo. N. r. 3-l-5t-su MEN-New wonder book. gives in formation on delicate subjects health. success, happiness. vigor, vi- tality and enjoyment of life; send 1oc for packing, mailing. Oswald Co, 31S-
 N, w. 42d st.. New York.
 s-15-St-su
The Birmingham age-herald., 1914-03-22
FARM

FARM
 SIP, ,0O0-U nincumbered, we'll improved and stocked; 55 miles from Birming- ham; will trade for unincumbered inn proved Birmingham or Ensley real estate; do not answer unless you mean business and have something to trade Peirce- -Foshee- Realty Co, 709-10-11 Empire. Main 6955. FOR sALE-office fixtures. 901 First Ma tional Bank.
 FOR SALE-A very handsome mahogany dining room suite; also desirable bed room furniture, almost new. Phone Main S737-W.
 AT IRONDALE-Stock of goods, fresh and clean, mostly groceries and shoes. for sale on easy terms or trade: good reason for selling; also 10 acres of land, acres of land. farms and farm land, 1 s-room house, Groom and 1 4-room house on easy payments. See w. N. George, Irondale. Phone 454-J, East Lake. He has bargains. FOR SALE-One Standard Home scon- tract. B months paid. bargain for quick cash Address Wi. care Age-Herald.
The Birmingham age-herald., 1914-03-22

DO YOU WANT TO BUY A HOME ON TEN YEARS TIME? Several and Groom cottages, some of them cute little bungalows, aver age price, S2000; for sale on the To- year monthly payment plan. NO EXTRA CASH REQUIRED 120 monthly payments pays you out. There being only limited number of these houses I can sell on such
 EASY TERMS. BETTER 1NVETIGATE AT ONCE
 c. D. EBERSOI.E
 Phone Main 2039-J. OR SEE LACY REALTY co.
 114h Fist St.
 3-15-su- we'd If
The Birmingham age-herald., 1914-03-22

BUY direct from wholesalers; K carat blue white solitaire diamond ring. s35.00; worth s60 Guaranteed. Ten day offer, c. O. D. on approval. Beck Jewelry Co. 110 Equitable Bldg. Bal
 timore, Md 2-21 -30l
The Birmingham age-herald., 1914-03-22
ONE CENT \ WORD
FOR SALE

RATEs--one cent a word n dsyf no sd. taken for less than 25e for first insee- fian. Casb must nccompnnS order
The Birmingham age-herald., 1914-03-22

MIR. FARMER-Don't fail to SOW several acres to grasses this spring. Millions of dollars are being sent from the south to the west for hay From our grass seeds you can raise big, profitable crops of hay. No branch of agriculture is half as profitable.
 GORMAN-GAMMILLS SEED CO.,, 24th St. and 2d Ave. Phone 3236.
The Birmingham age-herald., 1914-03-22

FOR SALE-One 16xa0 engine, T it. drive pulley; one 14xI6 engine, s-ft. drive pulley, one SxiJ engine, center crank pulleys. 24-in. and 4S-in dia. Ad- dress W. T. Smiths Sons Timber Co.,.
 Holt, Fla. 3-16- 1t
The Birmingham age-herald., 1914-03-22

FOR SALE-One iceless soda fount that cost 5000 new. for sf50; only been
 used three months. Apply to Brighton
 Drug Co. Brighton. Ala s-2l-at
The Birmingham age-herald., 1914-03-22
THE
ROOM RENTAL. EXCH ANGIE

ROOM RENTAL. EXCHANGE. We have a list or choice board. rooms and housekeeping arrangements, fur nished and unfurnished. and we pay soc to every party we place. Come to see us. 610 First National Bank. Phone 2i39.
 FOR RENT-Nice1y furnished room to one or two gentlemen In South High land home, convenient tos street cars and boarding houses; moterate rent al. Main 5615-W.
The Birmingham age-herald., 1914-03-22

FOR SALE OR RENT-Finest estab- lished summer resorts in the state of Alabama, on Lookout mountain, Men tone, DeKalb county, Alabama, three and one-half miles from Valley Lead, on the A. G. s. R. R. This property is located on the DeSoto river, containing 40 acres of land. Hotel large residence, several cottages, all well furnished and complete, ready for business; boat and bath houses, fine bathing, boating and fishing; water and climate unsurpassed: : 10 regular boarders last season. Inablo to accommodate all applicants. This resort Is known as the Foster place; 2g70 feet above sea level. Possession given at once. For further particulars ad- dress F., Box 456, Gadsden, Ala.
 3-1S-2t-wd-su
The Birmingham age-herald., 1914-03-22

CAN sell your farms and city property, list them with us AMERICAN FINANCE & BOND CO. Seventh Floor American Trust Bldg,
 3-17-tf
The Birmingham age-herald., 1914-03-22

FOR SALE-Southwest corner Ciiff Road and Whitaker; 60xS9; price, s50o0, or Will sell inside lot most any size, at s60 per foot. Owner, room 40 1st Natl
 Q-1o-Tt
The Birmingham age-herald., 1914-03-22
ONE CENT 4 WORD
EUk SALE

RATEs-Oue cent n word n dnyt no at. taken for less than 25c for first i.aar-
 tians teeh rru~1 accompany nrtter r.
The Birmingham age-herald., 1914-03-22

GOOD crops grow from good seed. Most of the crop failures result from in- ferior seed. We sell nothing but good seed.
 GORMAN- -GANMILL SEED CO.,,
 Ath St. 2d Ave. Phone 3236
The Birmingham age-herald., 1914-03-22
FOR RENT-ROOMS

ONE furnished front room ground floor good neighborhood. walking distance, prefer couple or ladies who are em- ployed in day. Phone FOOL or apply 2l04 Ave. G.
The Birmingham age-herald., 1914-03-22
FOR SALE.

FOR SALE. S5000-Modern, 2-story, 7-room homo in Norwood; house built about three years ago, but will paper and paint and put tin new furnace; $500 cash, balance monthly. BETHEA REAL ESTATE & INS. CO,
 Main 116 2O27 Sd Ave.
The Birmingham age-herald., 1914-03-22

SMALL house and lot at Riley Station,
 colored; bargain. pays 25 per cent on
 money. Owner, 7091s N. 18th st. Phone 1S22-W 222-2t
The Birmingham age-herald., 1914-03-22

FOR RENT-Two nice. large connect Ing roons. well furnished. Apply S1o 8. goth st. Bell phone 6s0s-W.
 3-ea-St
The Birmingham age-herald., 1914-03-22

 FOR sALE-6-room cottage. corner lot. Hyde Park. on car line. s160o: easy terms L. C. Pettyjohn. l1o2 9th ave. FOR SALE--5-room bungalow and bath for sl600. s400 cash. S20 a month. Phone 4722. L. P. Hill, 1924 4th ave. FOR sALE-6-room hunaglow and bath furnace heat. SS900; terms. l.. P. Hill. 1924 4th ave. Phone 4722.
 WE OFFER s5250-Neat, modern 2-story residence just south of nth ave. S, facing east; hardwood floors and furnace; :; rental S45.
 S7Ooo-A lovely. nearly new 2-story residence east of $. goth st, and south of Highland ave; has hardwood floors. Is prettily papered; has ser wants room and furnace. S9500--A very attractive nearly new, strictly modern 2-story residence east of g. goth st. S2500-Store and good sized lot with room for other buildings; rental s2z5o; good suburban business loca- tion.
 s6oOo--5oX1oo desirable N. s4th st. cor her.
 s75OO-25x14o Ed ave, near 25th st. 17,500-50X140 near S. goth st: gar age; rental SiSS0 s19,500-50 1t. on 5th ave, close in and east of goth st. 19,00e-100x95, 4th ave. corner. SS2, 2,00o-50x140 Sd ave- near 17th st. 50.000--Well located corner, rental s350 mc,th, good business location. S12 ,000-Fine corner, brick improve ments. rental sS40 month.
 MALONE MCCONNELL CO,
 2024 2d ave.
The Birmingham age-herald., 1914-03-22

FOR SALE-Three T2-inch by 1S-feet 4oo H. P. battery high pressure tubular boilers, suspension setting, 5-foot stack, used one year. One Berlin and one Hoyt planer. hatcher, each 6-inch by 15. inch. one Fay-Egan and one Hoyt plan CT and hatcher, each 6-inch by 9-inch. One 1S-inch by A-ineh throttling gover- nor engine, 12-foot wheel A lot of smaller power machinery. The Geo. E.
 Lum M. & s. Co.,, S. 20th st., Birming- ham. Ala. 3-14-4t-sat-su FOR SALE OR EXCHANGE by owner Modern home. one block off Highland avenue, on paved street, brick veneer
 four bedrooms and large. open porch upstairs: five rooms downstairs, and two rooms in basement. that open on ground; large basement, furnace, gas and electricity, hardwood floors throughout; house screened, on lot 50x1S0 feet to alley facing east Will sacrifice. Phone 2141-J. or write Owner. Box SS7. l-11-su-tf
The Birmingham age-herald., 1914-03-22
LARGE. CHOICE

FOR SALE OR EXCHANGE Two or three good farms in eight or nine miles of town to exchange for eqf ities in Birmingham prop erty. If interested in farms see me at once. V B. CURRIE
 With
 GUS A. POPE, JR.
 Main 1290. FOR SALE-2O9 Elmwood ave, good S. room house. lot 50x140: easy terms. L.. c. Pettyjohn, 1702 9th ave-
 FOR SALE. t5B0-2-story, ' rooms. furnace heat ed home on South Highlands; an rp-to-date home on reasonable terms. BETHEA REAL ESTATE & INS. O., < Main 116. 2o27 Sd Ave.
The Birmingham age-herald., 1914-03-22

THE ROOM RENTAL EXCHANGE. Bring us your roomc and we will rent them No advance charges. First class people waiting 610 First National Bank. Phone 2434.
 FURNISHED rooms for light housekeep-
The Birmingham age-herald., 1914-03-22

FOR SALE-s140O0. good lot, 50x140 half block of Terminal station, renting for s5o4. This will make money. Buy 1t now. F. E. Dean, S19 First Nat Bank Phone 1753
 FOR SALE-Cheap; owners breaking up; household furniture, including dining room set, two bedroom sets, hat rack, heater. etc. Call Main 16s6-W HAVE 1 or contracts of the Standard Home Co. of Birmingham; you can pay $1 per month on 5000 home at the rate of 5 per cent. Frank Rhoads, S23O East Both st., Minneapolis, Minn. FOR SALE-Monday March 23 contents of 14-room house. Apply 72O 2ist st.. N. Phone Main 7333-J. FOR SALE-If you are looking for a new Groom bungalow. hardwood floors, take lot first payment, best part West End. Owner, West End 109-J. FOR SALE-1106 Ave /, 25x1o0: Broom
 cottage. $l250: s10 per month for 125
 months. l.. c. Pettyjohn, 17o2 9th ave. TEN suburban lots, sG0 each. Five acres
 choice suburban property. s400. 40 acres
 adjacent, cehap s4o0O Equity in mod
 adjacent, cheap $40Oo. Equity for sl0oO
 cash. CPS Jefferson County Bank Bldg. FOR SALE-307 18th st., groom house,
 modern and in good repair; $25 cash and
 $20 per month.
 ALBRIGHT & WALKER,
 Phone 2334 S3S 1st Natl. Bank. MORTGAGE BARGAIN-s4O0 short time,
 pays per cent interest. secured by im-
 proved Northside property worth $500:
 will discount 10 per cent; pays you IS
 per cent. r., CPS Jefferson County Bank
 Bldg.
 FOR SALE-Five acres suburban S400: 10
 acres. $750: 40 acres adjacent at sacrifice
 for cash; $4oO0 equity Highland home.
 $1000 10 suburban lots. s6O each: ma
 hogany furniture. Box Si5.
 FOR SALE OR EXCHANGE-Nice ma- hogany upright piano, would exchange
 for real estate or good COW, horse and
 w:eon. J. l.. Kelley 2026 N. 3d ave.
 Main SS5.
The Birmingham age-herald., 1914-03-22

TOR SALE-Elegant home. 17th ave, near 18th st., new and modern; very reasonable. Owner. 7o91z N. 18th st.
The Birmingham age-herald., 1914-03-22
ONE CENT 4 WORD
PERSON AL.

HATEs-one cent q word . dayf no ad. taken Tor less than 25r for first inser- IAfan HsN Fsss+sf order.
The Prescott daily news., 1914-08-22
BANKING DEPARTMENTS
 ORDERS 4 ASSESSMENTS
Department Beginning to be More Ri gid in Enforcement of Law and Meet Approval of Best Bank
 CTS of the State.

The State Banking Department has just ordered four more 100 per cent assessments upon stockholders of banks that have recently failed, mak- ing five in all. This is prescribed Ua- der the act creating the department, which holds stockholders liable in twice the amount of their stock for all the indebtedness of the bank. In each instance the banks have been unable to realize sufficiently on their assets to meet the obligations, which has made the assessment necessary. In the event the assessments yield more than enough, the residue will be returned pro-rata to the stockholders.
 The assessments are as follows:
 Bank of Commerce and Trust Com pany, Stuttgart, failed last May, capi- tai stock $1O0,OOO, liabilities about $300,00O.
 Bank of Higden, capital stock $5,000 liabilities about S8,000.
 Logan County Bank at Magazine, $15,05O capital stock, liabilities $25,- GOO.
 Bank of Huntington, capital stock $25,000, liabilities S43,000.
 The Banking Department is beginn- ing to be more rigid in the enforce ment of the law, and they are meeting the approval and cooperation of all the best bankers of the state. "You cant hit us too hard along these lines," is the attitude assumed by most of them, declare that the strict en- forcement of bank regulations, which the state has lacked all these years, will bring about stability that has long been needed
 The Department has gone to the trouble and expense, also, of drafting model bylaws which are to be sent to each of the 425 banks in the state with the recommendation that they be adopted. It has been found that many banks have no bylaws at all, and others have inadequate rules for the government of their business.
 One of the reforms which the De- partment is insisting upon is the elim- ination of overdrafts, on the theory that If a mans overdraft is good, so is his note." And in this the banks are cooperating.