davidaulloa/AmericanStories huggingface dataset:
The Richmond Virginian. (Richmond, Va.) 1910-1920, 1915-01-28
State Building Notes,

The Miners Bank OF Commerce. of
Coeburn Is having plans made by
Pedyo and Gary. architects, OF Blue
field. West Virginia. for a bank build
ing to cost $4,000. Exterior is cut
stone and pressed brick; marble and
hardwood interior finishing, and hot
water heat
Parlyiew Baptist Church. Ports
mouth. will erect new building. Rev.
Mr. Arendeil is the pastor.
r: NJ. Young & c.. Fredericksburg
plan to build a warehouse.
= @. Hefiin. Fredericksburg. has
The Richmond Virginian. (Richmond, Va.) 1910-1920, 1915-01-28
BUSINESS NEWS
AND COURT RECORD
NUMEROUS SMALL DEEDS SHOW
DEMAND FOR RESIDENTIAL
PROPERTY.

Eight deeds of bargain and sale
were recorded in the Chancery Court
Clerks Office yesterday. indicating
that there is something doing in real
estate circles
One of the few larger transfers was
from w. A. Chesterman TO the West
chester Apartment Company, fncorpo-
rated, transferring the property at the
corner of Grove and Morris Streets at
$500
The Richmond Virginian. (Richmond, Va.) 1910-1920, 1915-01-28
Another Candidate

Police Detective Gordon P. Smith
yesterdal announced his candidacy for
the position Of Judge of the proposed
Juvenile and Domestic Relations
Court. which 1t is believed the City
Council will establish at an early
date. The friends of Detective Smith
feel that he is eminently qualified to
handle the strings OF ths court, and
are already canvassing members OF
the Council In his behalf
It is not known yet that the court
will be established.
The Richmond Virginian. (Richmond, Va.) 1910-1920, 1915-01-28
Supreme Court PROCEEDINGS

No "a t37). c. q O Railway Com
pany VS.. Newton's administrator;
argued by d. II. and Walter Leake for
the appellant. and by l.. o. Wenden-
burg for the appellee and submitted
No SIS. Pitcher VS., Pitcher: argued
by George Bryan for the appellant
and John b. Minor for the appellee,
and continued until tomorrow.
Next case to be called: No. Sc,
Lucy ct ais. VS.. Kelly
The Richmond Virginian. (Richmond, Va.) 1910-1920, 1915-01-28
! eETEasBURG PEANUT MARKET.
ny Rodgers. Piummer Il Co., Incl

Petersburg. Va. Jan, ~, 1915.
SPANISH
Farmers Stock: Market quiet. s5c
per bushei
VIRGINIA.
FARMERS Stock: Market steady
u Fancy Jumbo. &c per pound.
Fancy Hand picked. 3 24c per pound
Extra Prime. aze per pound.
Smelling Stock, &c per pound.
The Richmond Virginian. (Richmond, Va.) 1910-1920, 1915-01-28
NEW YORK COTTON MARKET.
tFurnishcd by Miller IL Co, Brokers.
Richmand, Val

New York, Jan. 27.-~Southern hedge
selling was In larger volume today
and the market declined from the open
ing. The drop was slow, but per
sistent. throughout the session, and
the final prices are fifteen points lower
for May and July and thirteen points
down for october and December.
The Richmond Virginian. (Richmond, Va.) 1910-1920, 1915-01-28

Clerk Walter Christian yesterday
issued marriage licenses to Fred l..
Keen and Matte II. Clark. L. G. Baird
and Elizabeth I. Allen, John Rusak
and Helen faschk.
The Richmond Virginian. (Richmond, Va.) 1910-1920, 1915-01-28

The state Corporation Commission
yesterday granted Richmond Bank and
Trust Company. Incorporated. an
amendment. changing name to Rich
mond Bank and Trust Company, and
charging its powers as TO do a
trust company business.
The Richmond Virginian. (Richmond, Va.) 1910-1920, 1915-01-28
Henrico bargain nad Sales,

John G. Richardson 10 Joseph r.
Wilson. 30 acres OF land in Fairfield
District. near Fair Oaks, adjoining
property of w. II. Dean and c. Fl.
Graves. $3.50.
Abbey Realty Cooperation to J. w.
Heusler lot /, block 81. Ashland Place.
$500
The Richmond Virginian. (Richmond, Va.) 1910-1920, 1915-01-28

George +. Haw and L. u. Aylett
to H p. and Allison Smith, 81 acres
on Harvey Road. and 1875 acres ad
Joining Minor and Christian property,
s4f19e5.
The Richmond Virginian. (Richmond, Va.) 1910-1920, 1915-01-28

Tho kolbcrg is a light protected
cruiser of 1850 tons. She was built
IN 1909 at DanziE. She is 426 feet in
length and had a speed Of 25.5 knots
ordinarily, bt;t had gore a knot faster
Under forced draught. She had
crew Of 80 men and carried twelve
f.-iuch guns Two machine guns and
two lS-inch torpedo tubes.
The Richmond Virginian. (Richmond, Va.) 1910-1920, 1915-01-28

LynchbuTg-C. NJ Bolton, A. b. Boil
ton. Jr and c. d. Bolton. trading as
Bolton Brothers, of AIRING ton, have
Med voluntary petition in bank
ruptcv In the Federal Court. Tho con-
Germs liabilities are. sS,3I3.lS and as
sets, s3,340,s5. The firm has been en-
ga ged in the development of soap-
stone.
The Richmond Virginian. (Richmond, Va.) 1910-1920, 1915-01-28
Law and Equity Court.

Suit was brought In this court by
r. l., Barnes against w. b. Afflect for
81 zoe.
The Richmond Virginian. (Richmond, Va.) 1910-1920, 1915-01-28

secured contract to build for BENZ
7. Pills. moving picture thcater
in that city. Il will he fire-proof.
26xi40 feet and will cost $4,000.
The Richmond Virginian. (Richmond, Va.) 1910-1920, 1915-01-28

Rev. Mr.. Billings is pastor of two
large and influential Baptist Churches
in Richmond County. He also does
a great deal OF evangelistic work. Be
lieving that an automobile would ia
cilitate his work, he entered the race
with the hopes of winning one OF The
Virginfan's automobiles. His friends
should rally to hts support during the
next few days OF the competitive Pc
Rod.
The Richmond Virginian. (Richmond, Va.) 1910-1920, 1915-01-28

CHICAGO GRAIN AND PRODUCE.
Furnished by Miller n Co., Brokers,
Richmond, ta.b
The Richmond Virginian. (Richmond, Va.) 1910-1920, 1915-01-28

f. Fitzhugh White. 224 8. ard 2s,45e
+. Z WalthaH. Jr.. 1919 Han
over ..................s5,soo
The Richmond Virginian. (Richmond, Va.) 1910-1920, 1915-01-28

goland engagement on August %. was
sent to The bottom by the British
feet.
The Richmond Virginian. (Richmond, Va.) 1910-1920, 1915-01-28

Chicago, Jan. 27.~-W heat--Cp again,
The July month made a further gain
against the May. reducing the diff
ference to rfteen cents. Offerings have
been light both speculatively and for
country accounts. with the cash trade
The Richmond Virginian. (Richmond, Va.) 1910-1920, 1915-01-28
GERMANS F[ATLY

Continued from First Page.)
The Richmond Virginian. (Richmond, Va.) 1910-1920, 1915-01-28

RAILROAD STOCKS.
The Richmond Virginian. (Richmond, Va.) 1910-1920, 1915-01-28

ing masts and tunnels. 1t is GER
tain. therefore. that further cruisers
were seriously damaged
The sun. [volume] (New York [N.Y.]) 1833-1916, 1915-09-29
NOTES OF THE DIAMOND.

The Philiss are the same every day
,srm they ne s s,.a sss w .Ssw They siys Them;
being inflated over their success,
Bancroft made a great running pickup
s saarl .Sas throw. me Fhs s'S Quaker a. 1ns sh sagFS ssid.s
may not be the best, but there Is none
better.
Another nifty neidins feat was a clutch
with one hand by Getz of a bounder on
which he had TO come In fast
Several OF the Brooklyn suits looked as
they hadn't seen soap, water or a laun-
dry, since the last home stand. Maybe
such attentions were not worth while for
one day, What's the use OF being over
From The way tho outnelder. peered and
s sno sas ~ ssS IN sai al T sss .S nj, .ss'T way the
In a double stoal in the eighth Mr..
6. 5SIu, ss ,SBs.irysly TO slid:I ana
being put out at The third Granny MS
says the China Press, OF a game on Au-
s sasa s between @in ih sna inslns , 1na 'ns u, 3 s, !;
and WONDERFUL, play about which they
were s'iil aTguing Iast night: Mcdonald
hit an easy .grounder and was out, After
the bag, thus forcing Mcdonald to try for
who just touched tho pan thinking the
runner on third had forced Mcdonald. In
on the throw in that direction and Ms'
Donald romped home, Both men were
called safe. The question Ia; Gould ON
touched third or was no automatically
outP Anyway the umpire said he could"
Righto for the umpire, but IN the oolio-
quialism OF the States. Newman, the
catcher. pulled a bone.
The rocky, showing Of the Reds In Chi
cage not only hurts their chances for I'm
ishing In the nrst division. hut makes II a
tough job for the Giants 70 emerge from
last place.
Under our observation has just come a
picture of Jack Barry which In the best
one OF Frank Baker we ever saw.
A little matter OF keeping II up next
spring. summer and fall Is all the harvest
moon crop OF recruits needs to do to make
good.
Miller Higgins In regarded an one OF the
shrewdest traders In the baseball game.
hut when II comes to landing tho Cardinals
doesn't seem 20 get him very far.
Among those who never have stolen ono
and Larry Mclean.
The sun. [volume] (New York [N.Y.]) 1833-1916, 1915-09-29
RUMSON OUTDOES ITS
LONG ISLAND RIVALS
Lengthens Card to Six Races
for Meet on Saturday.
Ponies Catered To.

The Rumson Country Club having en-
tered the amateur racing field and ar
ranged n hunt meet for next Saturday,
promises TO vie with those that have
made Long Island famous for clean cut
sport in the Autumn season. The club
has cut a big figure in all kinds OF sports
this season and the new departure will
he carrie dout with the thoroughness
that has characterized the tennis. golf
and polo tournaments.
In one respect the Rumson course.
which has been laid out specially for
the occasion. will have an advantage
on the one at Belmont Park terminal.
The racers will be In full view OF the
spectators In the grand stand and park
ing places. even when competing over
the mile and a half circuit that has been
selected for the steeplechase events Al
both Belmont and Piping Rock. whore
most OF the amateur racing place.
the hunters are hidden by trees and
disappear behind hills. In the fiat races
every move of the horses and Jockeys
will be d,scsrnible, as the course is only
half a mile in length and is aid out
around the practice polo field.
At the United Hunts meet there were
long waits between the races, as only
FIVE events were scheduled instead Of the
six hat go to make UP a full after
noon's sport. Rumson has gone the Iona
Island organization one better and In
addition to putting forth a similar pro-
gramme for the first Ave numbers, the
meet will end with a ace for ponies
tina will give many members Of tho club
a chance to test the speed OF their
mounts that have been used on the
polo field. Though only a dash OF
three furlongs. he pony race is likely
TO he OF the greatest interest to the
residents OF Monmouth county. The
conditions call for gentlemen riders and,
as In the races put or at the Ions
Branch horse show, the rivalry will he
increased by several OF the owners
riding thor own ponies.
In the Ruinson cup for hunters there
il a likelihood that A. j. A. Devereux's
Conaueror and Mr.. Archdale's NJ. j.
shannon may meet in a contest over two
miles and a half that will practically
decide the hunter championship, On the
first day OF the United Hunts meet, NJ,
J. Shannon beat Conqueror by a length
over a course of two miles n a half
Last Saturday the pair met again with
half a mile further to go and Conqueror
won by a neck. The conditions are
about the same for the Rumson cup
and II both 80 to the post for the rubber
the race should be sufficient 20 draw q
big crowd. All events have filled well
and arrangements have been made "a
transport tho many horses trained a,
Belmont Park to the meet on the banks
OF the South Shrewsbury River,
The sun. [volume] (New York [N.Y.]) 1833-1916, 1915-09-29
NOT READY
TO ARRANGE CITY SERIES
Will Wait Until Two remnants Are Clinched Before
Giants Yankees odger Clash Is Taken Under
Consideration Officially.

for the players pool at the same time.
1t has been decided to sell box seats
at S. each and to increase the general
tariff In other spots over former years.
Yet the vast seating capacity OF this
mammoth plant will enable the pro-
moters at the Same time to allay any
chance Indignation at the boost In
prices. Fol the first time In the history
OF this annual classic, no inoonsiderable
number of bleecher seats will be sold to
first Corners at so cents apiece. The
lowest admission price heretofore has
been 81.
a special meeting OF the American
association n held in Chicago yes
tcrday. 1t vas announced that these
minor magnates had some routine bust
ness of little omen which they wished
to clear up before the annual meeting
In December.
Those closely In touch with the situa-
ton declare. however. that Tom Chiving-
ton is more concerned In stiffening his
colleagues against the Federal League
siren than In clearing the decks for
next winter. Gilmore's Independent en-
terprise is said to have been very busy
the last couple Of weeks trying to alien
ate the affections of the big minor
leagues. II is said further that the
independents wish the Class A.. A. or
CARNATIONS to intercede for peace in
case they do not wish TO break with
the powers of organized baseball.
President Baker OF the PhRilies an
nounced positively yesterday that Bill
Killifer would be ready to catch in the
worlds series games II his services were
deemed necessary.
'Killifer's arm has fully recovered. He
could have gone back into service be-
fore this, but Moran did not care to
break Up a winning combination" said
Mr.. Baker.
kilhfer's recovery should cheer the
supporters OF the Quakcrs. as he is
rated the best receiver in the National
League.
The sun. [volume] (New York [N.Y.]) 1833-1916, 1915-09-29
MOORE TAKES LEAD
IN TITLE BILLIARDS
Beats Hucy, so to 40, in First
Block Of Three Cushion
Struggle.
NEITHER IN GOOD FORM

George w. Moore of New York, the
defender. and william b. Huey OF
Chicago, the challenger. started their
$50 point match for the three cushion
billiard championship In the Music Hall
of the New York Theatre last night.
The title holder led In the first block
of half a hundred points at 80 to 40,
but he had to run of the official score
sheet to do II. There are only III
innings marked on the score cards given
out BY the billiard supply people and
these W took eisht-fve innings to con-
clude the opening block.
The match wal about as slow as II
could have been. and some OF the folks
who gathered around the tableside went
out before the men had reached the
half way mark. Some Of them waited
downstairs for friends. and as the hours
rolled away came &c the conclusion that
the players had decided TO finish the
match last night. They did not. how
ever. but will take up where they left
off tonight and. II the score cards hold
out, VIII COnClu0e tO-rlorToW uibht'
The men played bad billiards. Huey'
might have been n little nervous, but
certainly Moore was not. The Chica-
goan, who is noted as "a shot maker.
did not make shots and resorted fire.
auently to safety play. Moore had two
runs Of 8 and Ave clusters OF 3, a trio
of the threes coming in succession In
the sixtieth, sixty-first and sixty-second
rounds. Huey's best were three fours
and two threes, pretty we'll separated.
As against these good innings, the chal-
lenger had a string Of thirteen scoreiess
innings. while o compiled eleven
straight zeros.
The champion trailed until the twenty
third inning, when he took he lead at
10 to IL. He held his advantage until
the ffty-sixth round. Huey caught aim
In the first half of this inning at 30.
but Moore came right Jack with a three
and was never headed. Moore scored
the final point OF the block In the
eighty-Hfth inning on a seven cushion
bank.
The sun. [volume] (New York [N.Y.]) 1833-1916, 1915-09-29
CHOICE ENGLISH YEARLINGS
COMING HERE FOR BILLINGS

try for the last twenty-five years, his
blood Is OF the best. We now have sew
trail OF the get OF Spearmint In the
stud in the United States. but the colt
out OF Snoot. bought for Mr.. Billings,
and the whitney two-yesr-old Chlcle,
Inner OF the Flatbush Stakes this fall,
VIII probably be the only ones racing In
1916.
The chestnut colt by Cicero In re-
lated to our own unbeaten Colin.
Roquelaure, by Lee Samaritan. siro OF the
colt gu OF Prude, a mare brek In Ken
lucky by Clarence Mackay, is a half
brother to Rock sand. tho Derby winner
imported some years ago by August Bel
mont. Prude Is by imported Meddler,
out OF Mistress Penn, by Hampton, a
mare that cost Mr.. Mackay $4,000
when he bought her in England.
The breeding OF the consignment
follows:
Bay colt, by sunstar, out OF Falling
Star. by Rightaway, out OF Emotion, by
Ray col; BY chau9sr, out of Ens. by
GU, OF rcni'ent;. BY, Hermit.
Hhestnnt colt, by p9lymelus, out of
Hy cSssnu sy cS sidu H. out Of ru,'' by Reno or.
by perisord' out OF n, r, A., by Deuce
Bay colt. by Marajax, out OF Favorable.
by Gallinue. out of Msisie. by Mintins.
Bay Ally. by 81, Amant. out Of Morgiana.
Morgan. ~
Chestnut colt. by swynford, out Of Miss
cobalt, by Pride. out OF Silver wing. by
Sylvester.
Chestnut colt, by Cicero. out OF Gel
inotte. by Gallinule, out of verdina, by
Prism.
Bay colt. by Roauslaure, out 81 Prude,
by Meddler. out OF Mistress Penn, by
Hampton,
BAY colt, by Rot Hsrode. GU, Of Alpha
het, by Galopin, or Friar's Ralsam, out
OF Symbol by Rosicrucisn.
Chestnut colt, by Santry, out OF Lily
dale, by ,Jussler, out OF Glen Lily.
The sun. [volume] (New York [N.Y.]) 1833-1916, 1915-09-29

c. X. G, Billings, long known as a
power In the trotting world. will branch
out into wider prominence as an owner
Of t~horoughbreds ext season. For the
last two years the silks Of Mr.. Billings
have been carried In races. but only on
a few occasions and by horses OF
moderate calibre. II was not to he
pion stallion. mare and gelding at the
trottns gait and the best PAGERS in the
world would be content to sit back and
let others take the chief prizes offered
for thoroughbreds. He combined with
Frederick Johnson, a racing owner of
long standing, md as a result eleven OF
the choicest yearlinas that could be oh
tained In England will be shipped from
that country on September 30 to be
wintered here n raced as ~two-year-olds
next season.
Charles r. Patterson was sent abroad
10 purchase the blooded stock and owing
20 the effect the war has had on racing
In England the ten colts and fllies were
bought for about S35. 900. much less thar
they would have cost In any ordinary
year.
There are a number Of Derby win
ners represented among them--Spear-
mint. Sunstar and Cicero IN the first
generation. The colt by Sunstar should
be a clinker, as his second dam. Emo
ton, was n of the really good mares
OF her day.
The colt Polymelus is said to be a fine
Individual. Being by the leading English
sire Of 1913. 1914 and 1915 and tracing
on tho dams side to Fusee. the dam OF
st. Blaise n Candlemas, both Of
which had much TO do with the develop
ment OF the thoroughbred In this ooun-
The sun. [volume] (New York [N.Y.]) 1833-1916, 1915-09-29
HOW 1915 REMNANTS ARE
DISTRIBUTED IN MINORS

and /; Charles E. Van Week. Jr., Baltusrol.
beat T. NJ. Rolls. Greenwich, s and 4;
Henry j. Topping. Greenwich. beat Morton
l. Fearey. Oakland, = and q: Ralph Rocks,
Providence. beat A.. II. johnson. sleepy
Hollow. up: T.. l.. Scoheid. Jr., Wee
Burn. beat v. X. Hilton, Greenwich. : and
/. Alexander Holmes, Wee Burn. beat NJ.
II. Reach. oxford. l up Dwight Partridge.
Bedford, beat James r. soutter. Green
wich. 3 and 2.
Second Round-Bishop beat Allison. Z
and 3; Van Week beat Topping. 2 and !;
Scotleld beat Rocks. 5 and Z; Partridge
beat Holmes 6 and 4.
Beaten Eight OF Second Sixteenth.
r~aund-Conner heat Ranney. . and 2 Rolls
beat Fearey. 6 and 4; Johnson beat Hilton.
I up; Soutter beat Reach. 1 M (e2 holesl
Third Sixteen-Flrst ~round-James ID
Foot. Apawamis. beat c. J. Bethany,
Springfield. 3 and 2.
second Roundabout beat A. ". Church.
Apawamis, 1 up 40 holesD; stuart GILES
pie. Wee burn. beat T. VI. nodgens. Green
witch, 2 and 2; i. u. Chapman. Greenwich,
beat c. c. Pearson, Jr" Greenwich, Up
go holes; George n. Carhsrt, Greenwich
beat II. Gillian, Greenwich. 9 ana ~
The sun. [volume] (New York [N.Y.]) 1833-1916, 1915-09-29
BY WILLIAM Il. HANNA.

The Phillies. coming champions. beat
che Brooklyns. who have ceased to come.
6 to 4. at Ebbets Field yesterday. Both
teams were on their way somewhere
else and merely stopped off for a crack
AT each other. They won't he back.
Bbbets Field will be dark in a baseball
way for the rest OF the year. 1t was
blustery and chilly for baseball. but the
crowd TO see the coming champions and
the club which chased them into the
stretch was fairly large.
The Dodgers friends did all their
yelling In the first inning. In that
period The Dodgers gathered two runs
after the Phillies had helped themselves
TO two. Mex the Quakers took a lead
and held il. The playing by both in
the first inning was very remiss and
quite unchampionshiplike. but after one
Of their ways, whereas the Dodger peo-
pie didn't. At least, II the Dodger peo-
pie did. their ways continued to contain
errors.
Muffs. fumbles and defective throws
We're slipped in by the Brooklyns for
the convenience VI the Pills; that Is,
when admirably calculated TO help a
Phil OH an intermediate base to the
major, or home, base, There was lax
and mOttled work in the outfield, and
in this too the Brooklyns cxcelled.
The home pitching was good enough
and doled out on Il tripartite arrange
ment thus First. Cheney then Dell
then Mails. Robby collected the Mails
A.. Cna.tl IL 10 - 1aFt hanlA. Ill
AS to years. of robust physique and was
making his first appearance in a big
league game. He did all right. So
did his predecessors for the matter OF
that, Behind them was weak fielding
and hitting. George Chalmers twirled
capably. He induced eight Ebbetses TO
strike out and invariably frightened and
became effective when the Brooklyns
bethought them to do some rambling
on the base paths.
Paskert and Cravath landed fol
singles in the first inning and would
have been left on route II Wheat hadn't
misguidedly allowed Gabby's shot to
trickle through. past and WI beyond
him. whereat both Phillies focked home.
In the same inning. but the second half.
= O'Mara's single preceded Daubert's dou-
BILE and a mlsplay by Paskert which
allowed the ball to scamper to a cor
ner, O'Mara scoring. yStengel tapped
into q rundown of Daubert. but took
second on the play, advanced On a
wild pitch and counted on Wheat's fly.
Bancroft took a walk and did a
steal In the third. He scored by good
running, when Cravath made a single
which Cutshaw knocked down. A fly by
Luderus was muffed by Myers and
Gabby rumbled home. Bancroft scored
In the fifth on a single. a steal. Mil
ler's high n long hurl to centre and
the insertion by Paskert OF a sacrifice
fly. Stock slugged Dell for a three bag
ger In the seventh and came to the
plate without stopping. Cutshaw helped
him with a bad relay to third.
Getz, a heavy hitter for the Brook
lyns, tripled in the seventh and was
brought In by Olson's fly. Getz made
a home run in the ninth. In getting
in front OF the drive Whitfield fell down
and for that reason a two Dagger was
enlarged into a homer. The score:
IT. ~ NrNE - II
The sun. [volume] (New York [N.Y.]) 1833-1916, 1915-09-29
LAST HOME GAME
OF DODGERS ENDS
IN THEIR DEFEAT
Cheney. Dell and Mails Get
Poor support in Field and
at Bat--ScOrc. 6 to 4.
B~ROOKLYNITES DO THEIR
YELLING IN FIRST INNING

BY stopping the Dodgers ut Ebbets
Field yesterday afternoon Pat Moran's
Phillles came within one scant victory
necessary 10 assure them the National
League championship for this season. The
everse proved n serious setback to Brook
lyn's hopes for the runner mp position.
For the second time in two days the
Cubs beat Cincinnati in both parts OF
a double header. This second triumph
moved Chicago into n tie with Pittsburg
for fourth position and dropped the
Reds to seventh place, just one point
ahead OF the Giants.
Yesterdays Results.
Philadelphia, S. Brooklyn. 4
Chicago, I: Cincinnati. 3 FIRST game),
Chicago, 8; Cincinnati, 0 tsecond game)
Detailed standing Of tho Clubs.