davidaulloa/AmericanStories huggingface dataset:
The Daily Ardmoreite. [volume] (Ardmore, Okla.) 1893-current, 1916-01-13
Another Waurika Test.

A. d. Allen of Waurika is among
the Ardmore oil field visitors. Mr..
Allen organized the company whjcn
drilled test in section S-5-S, south
west of Waurika to depth of 1850
feet, and he is now drilling in that
same section of the country, in sec
tion Ills. This last well has reach
ed depth of 72O feet, and has been
temporarily shut down, but will re-
sumo drilling within the next few
days.
The Daily Ardmoreite. [volume] (Ardmore, Okla.) 1893-current, 1916-01-13

dead for lack of water and the train
was pulled in by freight engine
which happened to have a supply of
water. The pump machinery at Will
son was out of order and the water
pipes were frozen at Ringing, and
for that reason no water could be
obtained by the railway company on
the line, except at Ardmore.
The Daily Ardmoreite. [volume] (Ardmore, Okla.) 1893-current, 1916-01-13

will materially impro = the situation.
| can only repeat that the new con-
cern now in control of the local plant
will, as quickly as possible, bring
il up OF the standard commensurate
with the needs of the city, both for
domestic and manufacturing pur-
poses"
The Daily Ardmoreite. [volume] (Ardmore, Okla.) 1893-current, 1916-01-13
siderable sums in injuries to tner
pipes and boilers.
Expect to Drill.

X. C. Ray of Oklahoma City visited
the fields yesterday and looked over
some leases which has been offered
him and his associates. The field
looked so good to Mr.. Ray that he
made up his mind to drill the proper
ty offered him and he expects to be
back next week, at which time the
drilling contract will be awarded.
The Daily Ardmoreite. [volume] (Ardmore, Okla.) 1893-current, 1916-01-13
Most respectfully yours,
RUSSELL BROWN,
Statement from Gas Company.

With the aid of the producers in
the field, the gas company is already
at work to relieve the gas shortage
in this city. In statement given
out by p. C. Ekern, manager of the
plant, this morning, these facts are
set forth:
eve are laying additional pipe and
tapping another gas We'll and the
men are already at work. 1t will be
finished by sundown tonight, and this
The Daily Ardmoreite. [volume] (Ardmore, Okla.) 1893-current, 1916-01-13

of the city attorney to the City Gas
company:
"Ardmore, Okla, Jan. -, 1916.
"Ardmore City Gas Company,
"Ardmore, Oklahoma.
Gentlemen:
"By virtue of the charter franchise
by which you are operating in the
city of Ardmore, Oklahoma, you are
required to supply the city of Ard.
more with gas, and by virtue OF
order No. 773 of the corporation com
missioners of the state or Okiauoma,
being the order in cause No 1862. you
are required to supply and furnish
the city of Ardmore and its citizens
an adequate supply of gas for light
and heat, and for domestic purposes
That you have failed in doing this is
apparent to us all, therefore YOU are
hereby commanded by the city of
Ardmore, by virtue of its authority
unuer Salu Cnarter, ana by virtue OF
the authority of said order, to take
the. necessary steps to at once fur
nish the city of Ardmore and its citi-
zens an adequate supply of gas for
light and heat for domestic consump-
tion.
"Most respectfully yours,
RUSSELL BROWN.
"City Attorney.
Approved this the 10th day of
January, 1916, by order of the Board
of City Commissioners.
wal MULLEN, Mayor
attest: G. II. BRUCE,
"City Clerk"
The Daily Ardmoreite. [volume] (Ardmore, Okla.) 1893-current, 1916-01-13
Field Shut Down.

T. F. Maloney, who is contractor
for Hamon &c Colcord, was an Ard
more visitor Mr.. Maloney states
that on account of the cold the field
has been practically shut down. Wat
er and gas pipes were frozen and
some of the contractors lost con-
The Daily Ardmoreite. [volume] (Ardmore, Okla.) 1893-current, 1916-01-13
Here from Denver.

c. e. Parker of Denver, Colo, was
in the field yesterday and arrived
here last night. Mr.. Parker was de-
lighted with the Healdton field and
will probably be back here to acquire
an interest. He has recently made
purchases at El Dorado, Kans., and
will enter that field with the drill
The Daily Ardmoreite. [volume] (Ardmore, Okla.) 1893-current, 1916-01-13

Hamon-Colcord No. in action 15-
4-3 is drillin.' at depth of 800 feet.
The well is located south or No 2
on the same lease which is the only
well in that locality which flowed ari
which promises to be the best rro-
ducer in that portion of The field.
The Daily Ardmoreite. [volume] (Ardmore, Okla.) 1893-current, 1916-01-13
Water Pipes Frozen.

The Ringing passenger train due
here at Z o'clock last night, was an
hour late. The passenger engine went
The Daily Ardmoreite. [volume] (Ardmore, Okla.) 1893-current, 1916-01-13
c. A. Dorm of the Gypsy Oil com
pany is here from Tulsa, mingllng
with the oil field visitors.

Chas. C. Staiti of Houston arrived
here yesterday and will spend sew
eral days in the field. Mr.. Staiti
has important holdings in section
1888 and has a nice production here.
The Daily Ardmoreite. [volume] (Ardmore, Okla.) 1893-current, 1916-01-13

H. A. Barnett, who represents the
Magnolia Petroleum company at Du-
rant, and Tom Cowden of Oklahoma
City, who is division manager of the
The Daily Ardmoreite. [volume] (Ardmore, Okla.) 1893-current, 1916-01-13
Oil Men Notice.

400 acres in 2s4w to give on drill
ing contract. For terms phone SO7, or
see T. L. Wright, over Ardmore Ma
tional Bank 100
The Daily Ardmoreite. [volume] (Ardmore, Okla.) 1893-current, 1916-01-13
OIL and GAS NEWS

same company, are mere visiting with
o. II. Snider, who has charge of the
retail business Of the company in
Ardmore.
Oxford eagle., 1916-10-05
rTIk

POWERS
Bee. lo.-ro appralse land for mort
Rge through it's loan committee Of
tAres.
See. Ito indor-e and become
liable for the mortgages OF its share
hoiders
Sec. Ito receive and deliver the
proceeds Of loans to borrowers.
Sec. Ito acquire and dispose Of
property necessary for the convenient
transaction Of its business.
Sec. Ito issue certificates Of de-
posit for not longer than one year and
% pay 4 per cent interest thereon.
convertible into farm loan bonds at the
federal land bank Of its district.
Bee. ITO receive and transmit to
ths federal land bank payments Of In
tsresf and principal and amortization
payments
Sec. 11-Loans shall be secured by
arst mortgages ON land within It's land
banh district.
oa io run 'io's
. 49, 81. -.
.'..' oS''"""' p'epa'"'e
'n'eles' ~ 'oans s"an ~, ~
unpaid principal
-Dor1o~e" sna'i pey
80. '''"p'' 'A'e'e'' ~,
~
80 ans may oe aAus y. "s
io',ow'ns purpoS anu 'o' "' ''"e'
a., To nurrh,.. land sor sxr,cul-
tsrai purposea
/ (b) To purchase equipment, fertil-
i.sr and live stock for the operation Of
~, r. rsow,as h,,,a,,vv and ,or m.
,mr-ovars,, ~ Earn I.ra.
"a, r. ~, aan,s ar,.,,ng -, ,,,ra ~
.n,,.,,on NJ tns erv, na,,onaI farm
t.sn ...o-, 49,, ,,,,n,n IN. county
aec Ia-M.x,mrm Ioan sI0ooO.
wsr,mpm lo.r sfoo
n, Io-N, ,o.n sh.u $1,000, ~, "a,
-, !, -. - !, n.,.ns ,,o-,..,-s,,
.r6 On nsr csrt :, N. nsrmsrsn, in
-,.d ,,,,,-.v.,v.,,,.
a. Ia-No Ioan. .h.n h. made m
..v n.r-on ~ho !. No. :, ,na tine ar
.hcrt,, - n.co,n. 80. - IN ~. c,,i,,.
,-s,o. - ~. s.rr ,,c-,vzssa
No..~.u .n,,,,..,ta.. e.. ,.ns
.-s.,n.,. -,,s ~ n.,ton., ,sro Ioar
..-crs. 49,. !, .vsn,, - an ton. : =
--A~ - ,s...,s =. - go, -
h.nr. Tn,, A.. ~ .r,,x 70 ,o,n,
-. 80 49,.
Oxford eagle., 1916-10-05
onIx Molaten.d bad. IIpa

OmeF Seudder. Columbus real ss-
tate and Insurance agent told some Of
the other business men who have Of
hees In ti>s Bassett building that he
WAS hot. They agreed that they were
Just IA hot as he was.
Il can eat all the Ice cream you
fellows are willing TO buy" scudder
declared.
The others made up 80 cents and
sent out for half gallon Of cream.
They had notion that Scudder would
eat about a quart after which they
would ekvide the remaining quart
among themselves Scuddcr surround
ed the entlre half gallon of ice cream.
smaeked his lips aud asked them
whether they we're nos going to get
him enough ice cream for a real taste.
The business men looked nj each 9th
er. smiled slckiy and returned to their
places Of business indianapolis
News.
Oxford eagle., 1916-10-05

any
Sec 10 Comfnissis -
charges not specifically authorised By
this act shall Dot be dAnanded or -
celved
Oxford eagle., 1916-10-05
THIS DEALER HAD REAL TACT
Stout and Thin Customers Use Special
Mirrors N Wearing Apparel
Establishment

A dealer in wearing apparel. noticing
that his stout customers and his very
thin customers often were sensitive az
to t4eIr figures. Installed two fun
length mirrors af special design. says
Popular Mechanics magazine. one was
slightly concave and the other slightly
convex When stout customer tried
on a sun she was Ted 10 the eoneave
mirror for self-inspection. aud was able
TO see her figure as Il would appear
with It's measurements reduced. When
u thin person csims in TO try 90 clothes
she was taken to the convex mirror.
where the opposite effect was pro
duced..
Oxford eagle., 1916-10-05
ssnsd BY the Prssldsu, July II. ,e,a

a-Proyldes for a federal land hank
gstem In the continental United state.
'ueiusive of Aiaskal. dividing the
aantry Into twelve land bank dlstr,cts
nmposed of whole states.
s-Ihe system Is operated as a bu-
Nu OF the United states treasury de-
Hrtmen' and supervised by the fed
al farm loan board. The secretary
the treasury ls ex-oficlo chairman
dthe boanl with four other members
sppolnted by the president for eight
ysss al an snnual salary Of $4,000.
oas member is designated farm loan
cumissioner and is the active execu-
aw officer.
GAppo'ntees Of Beard: ta) Farm
I'm registrar for each land bank dis
nd ami
tbl one or more land appraisers for
sh land bank district. Salaries paid
By federal land bank or Joint stock
and bank for which they act.
te) Land bank examiners; salaries
nld BY the United States.
ID Attorneys, Experts assistants
.ad other employees to be paid by the
United States.
u--Powers Of the Board; ta) To
srgznlze and charter federal land
banks. Joint stock land banks and ma
uonsl farm loan associations.
bl To review and alter the rate OF
Interest to be charged by federal land
hanks for loans.
to To approve or reject any or all
osns for bond Issue and to grant or
rfrse any specific Issue Of farm loan
bonds Of federal land hanks and Joint
epck land banks
t0 To regulate charges for ap-
prsisal examining titles and record
ing
Gel To appruise land securing mort.
uges for bond issue.
~ To exercise general supervisory
authority over ihe federal land banks
hrm loan associations and joint stock
land banlu.
5-The farm loan Commissioners
nal exansne the laws of every state
and Il 90 Examination the laws OF any
state are shOwn to afford insufficient
protectiOn 10 holders. its mortgages
mall be DECLARED Ineligible under tnli
Oxford eagle., 1916-10-05

For the first time in their lives
three genuine simon-pure philos-
ophers went out riding In motor car.
After they had ridden about twenty
miles out in I'll country the chr broke
down. Said the first philosopher: Il
have long wanted to study certain us
poets OF nature. and this affords me
the particular prospect most ad-
nire Said lpe second philosopher !:
Il observe there Is farmhouse over
there where food can doubtless be OBJ
taIned IN sufficient quantities" said
the> third philosopher: Il have long
wanted to be IN situation where.
without moving. sustenanes would be
brought to me BY one friend. while
de other DISCOURSE - - haAsEAs
r nn<uM >-xkfH
Oxford eagle., 1916-10-05
TAXATION.

Sec. 26.-The capital stock. sur
plus, mortgages and farm loan bonds
and all income derived therefrom are
exempt from federal state. municipal
and local taxation.
See. 28-Real property taken and
held under the provisions Of sections
II and i3 is not tar exempt.
Oxford eagle., 1916-10-05

eOMDS.
Sec. 70 -Issu.d In series Of $4,000
or more 90 denominations Of s25. $50.
500 saon and $1,000
See. 20-May bear maximum rsts of
8 per cent interest per annum.
See. ie-Bonds shah he 80 engraved
rs TO be readily disfinguishable from
federal iand bank bonds
See ig Mortgages and United
States government bonds equal In
amount 90 the farm loan bonds issued
are retained as collateral security by
the land bank registrar.
See l7.--No issue Is authorized with
ont the approval Of the farm loan
hoari
See n. Federal reserve banks are
authorized t0 bus aud sell thu bonds Of
joint stock land banks
See. - Substitution OF mortgages
and United States government bonds
held as collateral 10 farm loan bonds is
permitted.
See 21.--Its bonds are lawful invest
ments for dducisry and trust funds
aud security Tor all public deposits
TAXATION.
See. 28--rhe capital stock. surplus
aud earnings are subject to the taxing
powers OF the state.
Sec. 26-Iis mortgages executed un-
der this act and its farm loan bonds
aud az income derived therefrom are
exempt from federal. state and munic-
lpai and local taxation.
See. 20 Real property taken and
held under the provisions OF sections
II and iS Is not tax exempt
SPECIAL PROVISIONS.
Sec. 81 joint stock land banks are
made public repositories and financial
agents Of the United States govern
ment
See O.. Public deposits cannot be In
vested IN farm mortgages or in farm
loan bonds.
Sec. l0-Itates OF interest for loans
under per cent are not subject 20
review or alteration by the farm loan
board
Sec. 13.-Shan receive no deposits
except public deposits.
Sec Amortization and other
payments constitute a trust fund to be
invested A. follows;
tal To pay OF it's maturing farm
loan bonds
(bl To purchase farm loan bonds
tel To lend 90 first mortgages with
In its prescribed field.
tdl To purchase United States gov
ernmcnt bonds.
See. 23.-lseservs and dividends pro
vIded FOR a. in the cass Of federal land
banks.
Sec. 14.-Pruvision Is made for dis
solution and the appointment Of . ~
eeiver
Oxford eagle., 1916-10-05
JOINT STOCK LAND BANKS
ORGANIZATIONS.

Section IA private corporation
subject to the eQuirementssunder this
aet which may be formed by ten or
Dsrs persons with q board Of directors
- i've Or more.
Bee. l0-Aay operafe within the
seats In which its principal ONCE ls To-
eatsd and within some one eontingu-
60 stnsa.
Dse. AL-subject to semisnnual ex-
a8inafioas BY the federal land bank
CAPITAL STOCK.
sse. Ia-S250OO0 minimum.
Sec 1a-Double liability Of share
nssdsrA
ssc. l6-rhs United States govern
Dsnf shall own none Of the shares Of
GoDck-
Bee. ld.-No farm loan bonds can be
insusd until the capital stock is fully
paid. although the bank may begin
bua1nso when one-half or the capital
= subscribed and paid In cash.
poWgRA
-. lA-To isnd moasy on farm
nsrtgags security.
Bee. 10-To issue a. selI farm loan
bonds.
Sec. lA-To issue farm loan bonds
% to 10 times ths amount Of In cspi-
tni and surpiuA
&c. 10-Excspt - otherwise pro
vtded II has the powers Of and 10 sub
jsct 10 the restrictions imposed on
federal land banks.
pRivILGogA
nse. 1a-Aay lend more than $4,000
= any one borrower. but not beyond
30 Der cent Of the value OF the land
and 20 per cent Of the permanent In
sured improvements.
- A-Aaans ass - sasts1stse +
Oxford eagle., 1916-10-05
CAPITAL STOCK.

-
sec. a-s7500Oo. May be owned By
aoylcaals n.ss. corporations and the
eni1ed states and state governments
see Shares, S. each
sc a--An stock remaining unsul-
enoed p days after subscription
o0ss are opened shall be subscribed
" NE United States and thereafter
nis TIE United States government AMI
srO~ers may acquire shares OF stock
sec a-Unlted. States government
- 70 participate In dividends All
oener stoekholders share dividends
equally.
sec a-lhe original capital stock
80 De gradually retired sitter ths
-. held by farm loan associations
snan amount to s7DOOO0.
sec a-Noi less than per cent
:. capital shall be invested In United
states government bonds
POWERS.
see h-To buy first farm mort
Nithin It's district snd TO lssnt'
ano seil farm loan bonds.
sec N-To receive from farm loan
.ssoeianons Interest and amortization
eyments on mortgages and farm loan
bondA
sec A-To acquire and dispose OF
nal and personal property necessary
'or tne convenient transaction Of bush
asss; and land taken In satisfaction Of
ssou or purchased under Judgments.
eserees or mortgages held BY IL. Shall
- mold utle exceeding lve years.
sec H.-To accept deposits of Sc
'ties or current funds from member
ociations but pay no interest there
Sec- iS---To borrow money on Sc
eas'S and pay interest thereon.
ssc ls.-To buy and sell United
states bonds
sc B.-To appraise lands for bond
...0s and to charge applicants and bor-
sss. s1s the cost Of land appraisal. az
- .ns sasles. resordsns and other 10
- - fsss 70 - paA4 n -
Oxford eagle., 1916-10-05
FEDERAL FARM LOAN BANKS
ORGANIZATION.

Section s.-one In each land bank
u'suiet Branches permitted within
Us district Officers President, vice
president, secretary and treasurer; O.
see'"rsi six Representatives Of farm
'oen associations and three represent
ing the public iaterest Attorneys, az
asAhts. expefts and other employees
Al salaries fixed by farm loan board
aaa paid By bank Subject TO senialE
alAi examinatlons By land bank exam
h.
Oxford eagle., 1916-10-05
NATIONAL FARM LOAN ASS0ci-
ATOMS
ORGANIZATION.

Section T.-Ten farm owners dsair-
ing loans sggresating $4,000 or more
may form such an association
Sec. Tits affairs are administered
by nve directors including prssidsnt.
vice president and a loan committee Of
three serving without compensation.
ana by q secretary treasurer with sal
airy nxed by the farm loan board ana
paid by the association
CAPITAL srook-
Sec. s.-sharss. s. each: CO.. carry
ing double liability; tO may be owned
only BY borrower who are required b
ssbs9sss - ss.s Il shAs lsaa -
Oxford eagle., 1916-10-05
FEDERAL FARM LOAN ACT

eo ny the House Of Represents.
"Nes and the United States Sen.
ate June y and 2s, isis.
Respectively.
Oxford eagle., 1916-10-05
n alaria or ChiIIs & Fever

Pss ription No. 60 b ispsspsssd especially
tor HAlAaIA or Ckttll8 Z FEvER.
Five OF sig dosss viii bseak any csse, and
il tax -n then . Q soaie he Fever viii not
return. Il sess % ths nvss bsttss than
Cslonsa snA dpss eos fRivs - s6eksa. II
Oxford eagle., 1916-10-05
Inc Federal Farm LOanACt

synopsis Of Its Salient Features Prepared
~ n. NJ Hanson, Secretary Treasurer Farm
mortgage Bankers Association of America
Idaho County free press. [volume] (Grangeville, Idaho Territory) 1886-current, 1916-03-16
Q. A. ANDERSON
Cashier

their claims, or objections, on or before
the time designated for sale.
Henry Heitfeld, Register
43-5 Blair E. Hoar, Receiver.
Idaho County free press. [volume] (Grangeville, Idaho Territory) 1886-current, 1916-03-16
NOTICE FOR PUBLICATION $50.
LATED TRACT.
WALLACE SCOTT
President

Public Land Sale. Department of
the Interior, U. 8. Land Office at Lew
lston, Idaho, February %, 1915.
Notice is hereby given that, as
directed by the Commissioner of the
General Land office, under provisions
OF Sec. 2455, R. s., pursuant to the ap-
pneation of Thomas G. LYDIA, Serial No.
uol5o, we will offer at public sale, to
.ae highest bidder, but at not less than
Won per acre, at 1890 O'Clock A. NJ,
on the 10Th day of April, next, at this
office, the following tract of land:
y SEA NWA, Sec. l, T. 26 N, R. E.,
This tract is ordered into the market
an showing that the greater portion
1nereof is mountainous or too rough for
cultivatin.
Nh me sale will not be kept open, but
WIN De declared closed when those pres
sa1 az the hour named have ceased bid
h;n ag. The person making the highest
=. .au VIII be required to Immediately pay
w she receiver the amount thereof.
any persons claiming adversely the
s s;,O g, described land are advised to
hue their claims, or objections, ON or
eefore the time designated for sale.
4az Henry Heitfeld, Register.
Blair Il. Hoar, Receiver.
Idaho County free press. [volume] (Grangeville, Idaho Territory) 1886-current, 1916-03-16
NOTICE FOR PUBLICATION.

Department of the Interior, U. s..
Land Office at Lewiston, Idaho, Janu-
airy 10, 1916.
Notice is hereby given that A. Maude
Jones, whose post-office address is
Boles, Idaho, did, on the Goth day of
July, 1915, file in this office Sworn
Statement and Application, No. 06241,
to purchase the 81 NEA, SEA NWH
and NWA SEA, Section 20, Township
80 NJ, Range 2 W., Boise Meridian, and
the timber thereon, under the provisions
of the act of June 8, 1878, and acts
amendatory, known as the Climber and
Stone Law" at such value as might be
fixed by appraisement, and that, pur-
suant to such application, the land and
timber thereon have been appraised, the
timber estimated 1876 M board feet at
$1.00 per M, and 2200 posts at cents
each, and the land $175; that said APP
picant will offer final proof in support
of his application and sworn statement
on the 22nd day of March, 1915, before
G.. j. Wright, u. 8. Commissioner, at
White Bird, Idaho.
Any person is at liberty to protest
this purchase before entry, or initiate
a contest at any time before patent Is
sues, by filing corroborated AFFIDAVIT
in this office alleging facts which
would defeat the entry.
35-9 Henry Heitfeld, Register.
Idaho County free press. [volume] (Grangeville, Idaho Territory) 1886-current, 1916-03-16
NorIcE FOR PUBLICATIoN-Iso
LATED TRACT.

Tho p9 1DI Land Sale. Department of
; ius interior, q. 8. Land Office at Lew.
''' Not Idaho, February rs, 1916.
ID N h &C is hereby given that, as direct.
oy tne Commissioner of the General
24 aaa o office, under provisions of Sec
Of Fl IN ~ D., pursuant to the application
W. W. henry j: Walz, Serial No. O6Os9
t ne W, will offer at public sale, to
100 No. highest bidder, but at not less than
on a. per acre, at 10 O'Clock A. M.
off,; Iae 18th day of April, next, at this
SEE ss1,l the following tract of land:
VIZ D y NWA Sec. 10, T. 20 n, R. /
on MS tract is ordered into the market
tberaassh showing that the greater portion
cplti .or IS mountainous or too rough fo1
vii, ne sale viii not be kept omen. but
preson oe declared closed when those
biSd SSns at the hour named have ceased
est tI mag The person making the high.
p b, Old nc will be required to immed;ately
Of 70 the Receiver the amount there
ab amy person claiming adversely the
eserloed land are advised to file
Idaho County free press. [volume] (Grangeville, Idaho Territory) 1886-current, 1916-03-16
NOTICE FOR PUBLICATIONS.
LATED TRACT.

Public Land Sale. Department Of
the Interior, U. s. Land Office at Lew
iston, Idaho, February %, 1916.
Notice is hereby given that, as direct
ed by the Commissioner of the Genera
Land office, under provisions of Sec
2455, R. s., pursuant to the application
of Matte G. Wyatt, Serial No. 06149
we will offer at public sale, tc
the highest bidder, but at not less than
$3.50 per acre, at 10 O'Clock A. M.
on the 10Th day of April, next, at this
office, the following tract of land:
VIZ NWA, Sec. %; E19 NEA, Sec
80, T. 90 N, R. W., B. M.
This tract is ordered into the market
on showing that the greater portion
thereof is mountainous or too rough for
cultivation.
The sale will not be kept open, but
will be declared closed when those
present at the hour named have ceased
bidding. The person making the high
est bid will be required to Immediately
pay to the Receiver the amount there
of.
Any person claiming adversely the
above described land are advised to file
their claims, or objections, on or before
the time designated for sale.
Henry Heitfeld, Register.
1875 Blair E. Hoar, Receiver.