davidaulloa/AmericanStories huggingface dataset:
The sun., 1918-07-15
BASEBALL CLASSED
AS NON-PRODUCTIVE
Boston Draft Board Gives
Finding in Test Case of
Catcher Henry of Braves.

Boston. July l4.-Baseball was
classed as non-pCoductive occupation
by the Brighton local draft board to-day
in deciding a test case brought by John
Park Henry. catcher for the Boston Ma
tional League baseball team, against
Provost Marshal General Crowder s
work or fight rules.
The board found that the amount Of
relief from war strain furnished by the
game was overestmated by the regis
trant In his affidavit and that baseballs
financial contribution to the war was
no larger materially than the voluntary
sacrifices Of ''many millions of citizens"
All the three members Of the board
are agreed In the hnding that baseball
is a non-productive occupation, but one
OF them, Justice Thomas II. Connolly.
recommends that Henry be not required
to change his occupation on the ground
that ne cou'd not do so without sub
stantial financial loss to himself or
others"
Henry. Justice Connolly finds, Is paid
$3.50 a month for playing baseball and
sis not qualified to take up any other
occupation which, from financial stand
point. would be comparable to the COM
pensation he receives in his present oc-
cupation."
'haseDaIl Is secondary
The majority of the board. in disput-
ing Henrys claim that baseball Is nee
essary as affording needed recreation
and in contributing to the conduct Of
the war by taxes. the purchase of Lib
erty bonds and other contributions, say:
We believe that the continuance OF
the business Of the registrant's en-
ployers is secondary to the winning of
the war. and that they must neces
sarily expect to make some sacrifice;
that the financial welfare Of the reg
istrant Is amply provided for in a
manufacturing business located in
Amherst, Mass, which he controls,
and that he and they must necessarily
expect to share in the sacrifices that
are being demanded of American cit
liens.
That the amount OF recreation and
relief from stress and strain derived
from baseball by those who are not
going to war. or who are not employed
in lines Of industry that will contrib
ute to the WANING OF the war, is great
~ overestimated by the registrant and
finally that the proportion OF the earn
ings of himself and his employers that
goes into war taxes, Liberty bonds
and other war contributions, is in no
material measure larger than that Of
many millions of citizens who already
have contributed generously not only
with their money but with their flesh
and blood.
The sun., 1918-07-15

Totals....T tfH 10 shsrdeLp'''
Totals. 30 Sl0.7 10 I
.n.tted for Doak in the attn inning

sBattcd Tot DoHK 7" uo "''"
., nu,. ....... % 2 o o 0+3
Three base hits--Marsnviile, Cruise. Home
r,,n-H,athco Stolen bases-Wickland. Sac
riAce hits-HerEoR, Baird. Sacrihce n.y.. I.
smith. Double piays-Rawlings and Herzog;
sherdei, Pauiette and Grimm. Left on bases.
Boston, o; st. Louis, T. Base on balls-of
sherdei, l. Hits--On Doak. II In ; innings
ON SherdeI, 2 In I innings, Struck out-By
Rudolph. 3; by sherdel. D. Losing pitcher
Doak,
The sun., 1918-07-15
NEWARK STAR
KINGSBRIl
Total, .2sAk2l 20 Totals .....esO7An

Newark Stars................ 81
Kingshridge. ....,......".... 3 o 0 o -
Two base hits-SchwartZ Kull Home run
Damrau. Left on bases-Kingshridge, |; New
ark stars, 2, Base on bails-On liuntley, l.
Struck out-By McGsrry, 3 by Huntley. J.
Umpre-Mr, Tone. Time n game-l hour
First game n, II y.
New London .... o o o q q q o %
Kingsbridge,. 80. S 0 o l Ola 10 |
Bsttcries-Finncrsn and Tee Peterson and
Zittel.
The sun., 1918-07-15
HIGH LIGHTS AND SHADOWS
IN ALL SPHERES OF SPORT
ny DANIEL.

1oHN X TENERs in
y tho National amended
" the commission
are bound to develop
when one Of the
view of with Organized Baseball always has
It's disregard for tho cardinal principles efficient
hv In the finest harmony
inc pest financial interests of should
1s ss los. .s "S Of them The
not oaas. ai the
@
Ut take. "a, Federal
%:s s @ f
%s s s ssss'
s;s co.
sss g. two the
sn.S . every bit Of
de,rrtons to shlpya
President.
ss, :, should
@ BY % ss BY % @
ss should hs be chosen for their and
,s BODY s WITH % ss Ss % ss % be
What Constitutes to
We have been
with all orxan.ed Baseball are harmful o thee
ssa snS s that @ t at TINS . s eanaU s
our we s been 5 that s ss sn . sse%y S es they
apart our hsht to have the men uniform admitted free
EFFORT, fors
"a"
o anybody. employed
the readers this allegiance
and an. its -. National
The Of st. Louis Nationals
st. su esS xs hs sp s
dsspond
to IS a
,tht xre envboap notice It ia an onsn secret that he had
leaders the National
Hickey Hornsby
support OF
order Crowder
Baseball
public recognition
little patience and the mudde will cleared to
the appeals Of ornsey
may expected this week
sharkey hould a Fine Y. NJ. c. A. Worker.
war ha makes a Y. A
in
sharkey should make worker for
sometimes
uays strong and Of right shakey
should worth professors
The spirit cooperation making
The
from Jersey that he pnchd
speeding
BRAVES BEAT CARDS DODGERS DEFEATED
IN DOUBLE HEADER IN EXHIBITION GAME
The sun., 1918-07-15

Two base hits-Fisher, McHenry, J, c. smith;
Three base hit-Murphy. stolen basssIbe'zcoi
sscrihce hits-Herzog. Henry. Grimm q
Double play-Marsnville and Herzos. Left on
I; st. Louis. Q. First base on
errors-Boston, 81 ST. Louis; BASES on psns
or Nehf 81 on Ames, D. sUuch ou'-p'
Sehf 4 By Ames, 2,
The sun., 1918-07-15

Baseball Today. $3.50 p. NJ Ny. Yankees
70. Cleveland. Polo Grnds. Adm. 50c.-Adv.
The sun., 1918-07-15

Of
in
to
The sun., 1918-07-15

It's a great max sharkey A.
w. u.
should
c A there. a
Of
should nve behind the line.
The sun., 1918-07-15
SECOND GAME.

Royal Giant. q It )
BuShwicls ......,....o o 0 0 OIL : &
observation-disclosures and Cason Schwartz
and Holman,
Called on account OF rain
The sun., 1918-07-15

Two base hits-Bagby, Wamhsganss,
Hyatt. Stolen hase-Johnston. Sacrifice
hit--Johnston. Double plays-O' Neill and
Chapman. Chapman, wamhssanss and
Johnston Left bsses-CleNeland, 4;
New York, 3 First base on bhlls-On
Russell. .; OF Heating, 2: off Bagby, ..
Hits--On Russell in innings; on Keat.
ing. 3 in 3 innings. Struck ouf-By Dagoy,
4: by Heating, .. Winning pitcher-Bagby.
Losing pltCher-Russell.
The sun., 1918-07-15
STANDING OF THE CLUBS.
GAMES SCHEDULED FOR TO-DAY.

New York In Cincinnati.
Brooklyn In Pittsburg.
Boston In NJ. Louis.
Philadelphia In Chicago
The sun., 1918-07-15

Cleveland In New York.
ChicsRo In boston.
ST. Louis In philadelphia.
Detroit In Washington.
The sun., 1918-07-15

B. u 7 n :
'Batted for Heating In the ninth inning,
tRussell out in sixth inning when he
stepped on own batted ball.
New York......O o 900 Ii
Cleveland ............0 x-T
New Britain herald., 1918-12-23
CITY ITEMS

Give him Dimmiette check pro- tector. Adkins, 66 Church St.-advt mas Savings Club tonight, Open [ to 9 D. m.-4Advt.
 Four children of MT and Mrs Pat rick s. MCMahon arrived home Sat uday to spend the hlidays. George and Patrick attend the Wellesley Hill school near Boston: Miss Margaret is at Notre Dame, Baltimore; and Miss Noreen McMahon is at Columbia uni versty. Lieut. William McMahon. who has been discharged from the army, will eturn to Georgetown uni versity after the holidays to complete his studies
 White tissue in rolls and by the quire. Adkins. 66 Church St-advt.
 William J. F'allon will spend the holidays with friends in North Ad- ans.
 Join New Britain Nat. Bank Christ mas Savings Club tonight, Open to g D. m.-Adyt
New Britain herald., 1918-12-23

priest will hear confessions this eve ming and tomorrow evening.
 Christmas services at the Methodist church in kcnsington were largely at tended yesterday morning.
 Service Notes.
 Raymond Austin. of the Naval Re serve, stationed at Pelham Bay, has been discharged.
 Lloyd Minor, of the s. A. T. C., sta toned at Storrs. has been discharged and will return to his home on Berlin street.
 Ralph Nourse, George Pickett, At- din Lincoln and James Morgan, of the $. A. T. C.. have been discharged and Will resume their studies in the near future
 Myron Goodrich, of the Naval Re- serve, stationed at New London, has been given a seven day furlough and will spend the Christmas holiday at his home in Berlin.
 Berlin Briefs.
 Edward Dunham, Of New Haven. spent the weekend with friends in Kensington.
 Mrs. W. D. Dunham, of Berlin
  with a severe attack of influenza
 Miss Grace Haffoy, of Kensington. has gone to Atlantic City for the win ter. Miss Haffcy formerly resided With Miss Helen McKeon
 The local post offices are rushed with work, and Postmaster A. B. Goodrich reports that many parcels will have to be delayed owing to the great rush.
 Miss Agnes Warner. of Kensngton, left this morning for Claremont. N H., where she will spend the Christmas holidays with relatives.
 Mir. and Mrs. George Fry. of Meri- den avenue, have gone to New York where they will spend the Christmas holidays
 Harry English, of East Berlin, has gone to Springfield on busin css for the Am erican Silverware company of Mer- iden.
New Britain herald., 1918-12-23
r cent. mem bership for that small

per cent mem bership for that small district.
 All solicitors of the Kensington dis trict will hand in their final reports today to Miss Marjorie Moore. The East Berlin solicitors will make their final reports today to pr. HOdgeson. C. W. Stevens, as chairman of the general committee, wishes to extend to the solicitors hearty thanks and gratulations for the work which they have done during this campaign. He also thanks the public for their generous contribution.
 Funeral of Mrs. John Zimba.
 The funeral of Mrs. John Zinl,ba, aged 30, who died at her home on Brady lane in kensngton after lin- gcring illness with tuberculosis Sat urday m morning, was held from the Sacred Heart church. New Britain, this morning at 9:3O o'clock. Rev. Lucyan Bojnowski officiatcd and in terment was in the Polish cemetery. Mrs Zimba had been a resident of Kcnsington for the past ten years and is survived by her husband and three children, two girls and a boy.
 Everett Turner Homo.
 Private Everett Turner. of the 3Sth T.. s. Infantry, recently returned from France. is spending short furlOugh at his home on Berlin street. Turner enlisted in the U. S. Regular Army and was one of the first to go to France. He was seriously wounded the last time that his company went over the top. He is expecting to get his discharge at an early date. At present he is stationed at Camp Devens.
 Tn the Churches.
 The Christmas praise service held at the Berlin Congrega tional church yesterday afternoon was largely at tended.
 The Berlin Red Cross rooms will be open all day tom orroW for use of the Sewing club.
 Christmas services at St. Paul's church will be held Wedn esday morn ing at and 10 o'clock. A visiting
New Britain herald., 1918-12-23
MEMORIAL TABLET IS PRESENTED ID TOWN
Dedication Exercises Held and
 Deeds Of Local Boys Are EXtOIIed
MAJOR BURPEE GIVES TALK
Leonard Ferry, Former Local Resi- dent, Dcad-Martha Rcbckah Lodge Elects New Staff-Ldeut. Frost Leaves Service.

PIainville's honor roll was dedicat- ed yesterday afternoon at the COngre- gational church. The services opened with an address of welcome by $. S. GWil1im, chairman of the COmmitte tee. He paid tribute to those that had died and told of the eaNiable record C" PlainVil1e. There are 1855 men and one woman on the honor roll. out of this number eight have given up their lives. More than 100 of the local boys have gone overseas. The principal speaker was Major General Lucien F. Burpee of the Connecticut State Guard. Major Burpec said he would have liked to have seen the war carried into German territory and also to have seen the Huns humblcd as the Belgians had been. 1t was a pathetic scene when Mrs. Harriet Barnes unveiled the tablet. Her son was the first local boy to give his life for his country.
 The audience was surprised whom Walter IivinCst one was introduced as a speaker. He has just returned from France and is the first local boy to return from across In his talk Fri vate Livingstone told of the many deeds of valor done by the Americans. He also described battles il which were a number of local boys and boys from Bristol and this vicinity. Be- cause of the heavy rain yesterday the tablet was not placed on Central square near the memorial but re- mained in the church. It is expected that the tablet will be removed today a suitable stand having been erected for it.
 Leonard Ferry Dead.
 Word was received of the death of Ieonord E. Ferry at the Hartford hospital Sunday morning. Death was son of MT. and Mrs. F. l.. Ferry, for here February 22, 1891, and spent most of his life here. Resides his wife and two little daughters, he leaves his parents MT. and Mrs. B. l.. Ferry of Wilson, a brother, W, F.. Ferry and q sister. Mrs Lillian Wa ters of this town. The funeral sorv- ices will be held at the undertaking parlors of E. l.. Ferry. 1166 Main street, Hartford, at 1:30 o'clock Tues day afternoon. Burial will be in Rocky Hill.
 Want to Register Soldiers.
 The local war bureau respectively asks that all returner soldiers and sailors living in PlanvilIc, register at their return at the local postOffice in order that they may have a record of such. notice 10 this effect has been placed in the local postoficc
 Citizens Committee Named.
 In connection with the citizens committee provided at a special meet
New Britain herald., 1918-12-23
WASHINGTON PEOPLE !. PUT DISTRICT OVER
|Red Cross Quota Of $500 Has Been Exceeded
FACTORY CANVAS CANCELLED

Private Turner, Wounded in France, Is Spending FurlouSh at His Home &
 in Berlin-ScrNice Notcs-Bricf News Items.
 C. w. Stevens, chairman of the Christmas Roll Call in kensington, feports that kensingtop has gone over a he top. The Red Cross total up to shis morning was $5O5,-and Mir Ste e'ens states that before the campaign Rl6ses today it is expected that s55O Twill he raised. Albn Holmquist has pccn added to the honor roll as one pf tbe solicitors who has secured 100 Der cent membership in his district. F he factory canvass planned for today Alas been called off, as there will be no geed of obtaining any more members. Rev. Samuel \. Fiske, chairman of , he Berlin district, reports that Berlin
 Ras now reached a total of $40O. and 8he final report of the solicitors has peen handed in. Rev. MT. Fislze will
 4lose the campaign today. pr. T. c. 8todgcson. chairman of the East Der
 sln district, states that East Berlin has
 8aiscd total Of $250, nearly a 100
New Britain herald., 1918-12-23

ing held in Town hall, December IS. the following men have been selected to make up membership: William J. Johnson, c. P. Calor, Frederick Spencer, J. B. Minor, s. s. Gwillim, J. II. Trumbull, E. H. Hills C. H. New ton, John Lamb, P. J. Prior, John Wade, E. P. Prior, V. Minello, w. L, Cafferty, f. T. Wheeler A. H. Con- dell, Rev. F.. c. Gillette, Rev. R. H. Burton, o. l.. Judd, A. A. Mcleod and R. C. Usher.
 These 21 men will meet in the near future and organize and proceed with arrangements for an appropriate re- ceptiOa to PlainVille men who will re- turn to their homes after serving the country in the present wart
 Martha Rcbckah Lodge.
 At the last meeting of Martha Re hekah lodge the following officers were elected: Noble grand, Minnie Pease; vice grand, Nellie Bun1ell: financial secretary, Mrs. Ella Beach; recording secretary Anna Vance and treasurer, Mrs, Harry Hubbard,
 Service Notes.
 Lieutenant A. A. Houck is at the MapIehurst. He was formely the Methodist minister here.
 Raymond Baker is home from Washington, D. C., where he has been stationed with the army.
 Pierce Clark is home after pro- lOnged stay in Maine.
 Sergeant J. J. Fitzgerald is home for the Christmas holidays. He has been with the &. A. T. c.
 George Farrar, Joe Win1iger James Cunningham and Augustine Prior, all of the U. s. navy, are home for Christmas.
 Lieutenant Lawrence Frost of Whiting street has been discharged from the army and is at his home.
 Brief News Items.
 The Sequassen lodge will have an election of officers at their regular Thursday meeting. x
 Mr. and Mrs. Howard Chichester of New Haven spent the weekend with his brother. B. J. Chichester of Bi- cycle street.
 There are advertised letters at the post office for the following: C.. H. Gallagher, Charles l.. Johnson, Mrs, Charlotte Shralt and Mrs.. D. Baxter, Box 174.
 The Episcopal church Christmas eve service will be held Tuesday eve ming at the church, followed by a Christmas tree for the Sunday school in the parish house. On Christmas day there will be q celebration of the Holy communion at 9:30 o'clock, with l singing of carols and other Christmas music.
 The barbershops will remain open ] until Il o'clock tomorrow night and | the stores will remain open until 10 1; o'clock.
 Corporal Raymond Roberts has re- 1 ceiHcd his honorable discharge from l the IT. s. Army and has returned to ! his home here. He was stationed first at Fortress Monroe and later was 1 transferred to Camp Upton.
 Francis Skinner, IT. & N.. is spend | ing a four-da leave at his home here. l
 George Farrar. U, s. N, is home on ten days furlough from Hampton Roads, Va.
 Bruce Gilbert. r. $. N, is also l homo for the holidays
 Masses in the Church of Our Lady 1 on Christmas morning will be said at :, s and 9 o'clock.
 The Plainville Trust company is starting it's 1919 Christmas club.
New Britain herald., 1918-12-23

weekly sewing meetings during that time and has taken in about $200 from the sale of articles made by the wom- en. This money has been used to send flowers to the sick and to funerals, Last week about $150 was collected, and $100 was sent to the suffering Assyrians in Persia and $50 to the pa triarch at Bagdad. The club has sent 33 Christmas packea,ges to the Assyr- ian boys in the service, seven of whom are in France. The club has also contributed to the Red Cross.
New Britain herald., 1918-12-23
JEWS START CAMPAIGN
Plan to Raise $t,OOO Day For Four Days, Beginning Q Christmas Morning.

A four day campaign to raise 5000 is to be started Christmas morning by the Jews of this city to complete the fund for $1O,O00 for the Jewish war sufferers The campaign committee has already taken ia $6,- 900 and will conduct the campaign in the hope of raising $1,O0O a day dur ing the four days of the canvass. M Robinson is director Of the canvass and Attorney M. D. SaXe is chairman of the committee. The following eight team captains have been named for the canvass: pr. M. $. Dunn, S. w. Menus, Fred Wrinkle, A. ZcVin, H. Ze- Win. D. Segal, Max Tucker and M. D. Sake.
 .. house to house canvass will be conducted during the four days of the campaign by the team captains and the helpers whom they will name later. Headquarters have been es- tablished in the office of Lawyer Irv- ing ]. RaChlin on Main street and reports of team captains will be made to this office.
New Britain herald., 1918-12-23
TABS' MEMBERSHIP
 DRIVE GOING BIG
"A Applications Already Received Thomas J. Grove Reelected

As a result of the first week of the 1abSN mem hership campaign, 24 ap- pllcalonS were received yesterday afternoon at the regular meeting, and live members were initiated into the society. These figures are most pleas ing to the committee and it is evident that the members of the society are standing back of the committee and competing for the prizes offered the member bringing in the highest num- Der Of new members. Prizes of S2O. $1O, $5, $5, $5 and $5 are to be given those bringing the greatest number of members, and in addition to these prizes, hat is to be given the high man by Joseph M. Halloran of the Connors Halloran company.
 Much interest is being evinced in the campaign, and within the next week the charts announcing the re- suits of the first week are to be placed fin the society rooms. A ther- mometer has been devised to keep the members informed on the progress of the campaign, and circular letters will be sent out after the next meet ing of the committee. At the regu- lar meeting of the society yesterday afternoon, President Grove, Philip Scheyd and William Forsvthe spoke for the campaign and explained the possibilities of increasing the mem bership of the society even beyond the 800 mark.
 Grove Again Elected.
 Thomas J. Grove has been elected to head the '. M. T. A. X B. society for the coming year, this being his second term in the office. President Grove took Up the work last year when James Murphy entered the his work that the honor of leading the society for another term was con ferrcd upon him by the members of the society. His election was unani- nous. He will be installed into his office at the first meeting in January. Other officers elected are: Vice Pres ident, Thomas Cream; secretary, Thomas Meskill; treasurer. Thomas w. Grove; sergeant-at-arms, Hugh Curran; librarian, William Scheyd: financial secretary. William Forsythe; marshal Philip Duffy
 A committee of ten is to be named by President Grove to arrange for a fair to be given by the society within the course of a few months. The fair may be held in the society hall.
 A meeting of the dance committee was held yesterday afternoon, and plans made for~the continuance of en so popular during the past year.
New Britain herald., 1918-12-23
WOMEN SEND
 PRESENTS TO SC

The Assyrian Woman's Club. which was established at the south church about two years ago, has been holding
America. [volume] (Cleveland, Ohio) 1905-current, 1918-11-15

mare importanta de rezolvat, toti
fratii membrii sunt rugati lua
parte la aceasta adunare, spre a
|putea rezolva toate chestiunile
ce Sc Ger spre binele Societatii
hoastre.
Tot odata aducem la cunostinta
fiecarui membru al Societatii noa-
sire, caci toti aceia care sunt in
restanta Gu cotele lunare pot sa
lie plateasca Dumineca, la hala
sus numita de la orele 9-12 a. m.
secretarului financiar, d-lui Da-
nila Abu, care va fl la hala 81 va
primi cotele lunare.
Stunt rugati toti fratii membrii
a da atentiunea cuvenita acestei
convocari 81 a Sc conforma eli.
In numele Societatii ,,Desteap-
tate Romine" din Detroit, Mich.
Prezidiul.
(61-63)
America. [volume] (Cleveland, Ohio) 1905-current, 1918-11-15
&c oLoG.

Societatea romina de ajutor 81
cultura u. r. Ard. & Trans"
din Alliance, Ohio, face cunos-
cut memSrilor' sal, incetarea din
viata alor 3 membrii din sinul
Societatii 81 anume a fratilor:
Fred Ungar, decedat la 9 Octom-
brie 1918, la orele TAO p. m., &C.
orge Rosca, decedat la 81 Octom-
brie 1918, la orele 2.30 p. m. 81 Nj
colae Selcudean, decedat la ore
lie l a. m. in ziua de l Noembrie
1918. Acesti dol din urma au fost
inmormintati odata. Prohodul a
fost facut de catre parintele Teo-
fill Popovici din Alliance, Ohio.
Fie-le tar1na usoara 81 memoria
bine cuvintata.
I'm numele SOcietatii Z. r. Ard.
& Trans. din Alliance, Ohio:
George N. Popa, pres.
Vasile V. Tatar, secretar >prim.
America. [volume] (Cleveland, Ohio) 1905-current, 1918-11-15
CAZ DE MOARTE.

Societatea romina de ajutor 81
cultura DR. Vasile Lucaciu' din
Clinton, Ind. aduce la cunostinta
publicului 'rominesc din Ameri
ca, 81 in special fratilor membrii
81 membre din U. S. r. A., moar-
Tea fratelui Nicolae Gorilla, mem
bru al societatii sus numite 81
fost easier pima cind nemiloasa
moarte la rapit din mijlocul nos
tru.
Fratele Nicolae Gorilla in ziua
de 6 Noembrie 1918, plecat la
lucru in baia de carbuni 81 cazInd
niste peatra pc dfnsul La -cauzat
moartea la ceasurile 1.20 p. m.
fnmormfntarea a avut loc vi
neri, 8 Noembrie la orele 2.30 p.
IN. Pc fratele n. Gorilla il deplin-
ge scumpa sa sotie 81 cei dol CO.
pilasi, un frate 81 un socru. In
patria veche il deplfnge un tata
batrin in comma Boholt, comita-
tul Tirnava Mare, lara din partea
Societatii DIR. Vasile Lucaciu"
il deplinge toti fratii membrii,
cit 81 toti prietenii 81 cunoscutii.
Fratele Nicolae Gorilla a fost
un bun membru, SINGER 81 Gu de-
votament fata de Societatea noa-
stra. Din partea Societatii DIR.
Vasile Lucaciu" ii zicem Gu to-
til un bun ramas 81 bunul Dumne-
~eu sal ierte 81 sal odihneasca
in pace.
In numele Societatii DIR. Vasi-
lie Lucaciu" din Clinton, Ind:
Vasile Costea, secretar financiar