davidaulloa/AmericanStories huggingface dataset:
The Morning Tulsa daily world. [volume] (Tulsa, Okla.) 1919-1927, 1921-09-11

fur his income tax and put 1t into
separate nud for tax day. hut this
didn't appeal To him. He'd cross hat
bridge when hc came to- IT. We'll. he
CuutriVcd to- get past until the tax
day of tho vcar following the close
uf the war. Thcu he did some Of tho
livrli"st sluirmiug man ever did.
There are thousands ot mon like
this one who make no provision for
fixed expenditures who deliberate
w and stubboruly shut their eyes to
inevitable expenditures which they
know must como nt certain Time.
with small business mon and all
who are I'm relatively rcWrictcd cir-
,um"tauCcS this uuprppareducss ~
NOT su surprising. The greater part
ot humanity lives with lees fore
thought tur the future than lots of
animals and insects liut the extent
tu which this happy -go-lucky prac-
tic0 prevails among keen business
men who are supposed to conduct
their affairs according to fixed
ana orderly plan ~ astonishing. The
intimate insight into the business NJ.
fairs ~ men in thlf class which nat
ng II somctmc&mnkc. him uucs-
ton tho accepted theory that man
is a reasoning creature"
Many workers Inv industry now out
of Jobs are apparently puzzled to
know why they have been let out
ana others who are perhaps not ~
akillful retained. Here IL a hint
which NAV help them to- solve the
problem. Lately | entered the gem
ctnl uttius OF large plant engaged
In the manufacture of heavy ma
chincry The place was IA quiet ~
the silence roum OF a library
The general manager remarked
AN the officers are either on the
golf links ~ taking vacations Might
Hs well do that ns stick around here
/ Wore keeping about half our men
| They're mainly on repair and con
I stTuotion work doing the work On
the plant and equipment that we
could not take time to do when the
war pressure was on. Then we're
The Morning Tulsa daily world. [volume] (Tulsa, Okla.) 1919-1927, 1921-09-11

getting ready Tor the time when
business comes back To- normal. This
IL America. and the present con-
dition cannot aud viii not continue
Indefinitely The resources and tho
opportunities uf this country are too
great To permit that. Besides, we're
going 10 go the limit to keep our
mon going
Tut" | interrupted. "Id like to
get at the line which you drew In
separating the men who were to be
let out from those tu be retained"
That's easy" was the quick re-
ply OF thia executive. Drawing this
line was my own particular job. In
ono group / put those who In war
time told vs. tu go fu hell IL we
asked them to do their work dif-
trrcntly To hc little more rcason-
able about loaflnE on the job or to
work overtime, In the other group I
placed those who were decent and
reasonable at the time when tho
wage worker was In his saddle and
the boss was on hia knees. SO far az
I'm concerned this Us what is taking
place throughout Industry. This line
of separation almost automatically
fires the inefficient tho drlftcra and
trOuble-makcrs ana retains the cf-
flcicnt. the loyal and the stickers.
II leaves with us the men who have
grown up with the concern
one of the foremost fnanciers Of
America recently remarked to me:
The financier who decent take into
account the kinks aud aquirks OF
human nature when trying to
inalyzc a nationwide business situ-
alton IL overlooking an important
element. Take the present situation
The Morning Tulsa daily world. [volume] (Tulsa, Okla.) 1919-1927, 1921-09-11

to my head, guess. IL seemed to
me We could have a lot of things We
needed and had never hccn able to
ftord. NV wife had always been a
very careful woman in money mat -
tcrs, but the change IN my pay en-
Nclope seemed to affect her as u hid
me. Anyhow she began to dress the
children and herself better than ever
before. I was glad tu see that, they
had 1t coming tu them And she set
a better table and began to buy bet
ter things for the house.
Because didn't divo into the
silk shirt class like my shop mates
| thought ! was holding down the
lid IN good shape Rather pattod my
self on the back for my moderation,
But where Slipped a cog wda In not
keeping as keen au cyc on outgo as
ON inCuHlC. In spite OF all the talk
put up bN the .pokcsmcu OF labor
and the newspapers about the in
creased cost of living didn't got the
truth of the thing into my systvn.
Every dollar iu my pay envelope was
just the Same old dollar that II used
to- be-ur at least about the same.
Anyhow. ! couldn't see go per cent
water In any of them. We didn't run
Nlld In our spcnulnE ike lot ol
those about us did. | felt that We
were almost models of economy
until work began to slow down and
my trade had TO take "a wage cut.
Then found out that Ia been n
fool along with the rcst.
THAT happened toward the close
NJ month before last. At first | didn't
realize quite what had happened Hut
when | got last months bills | began
to come to--and your letter did the
rest. | owe you more than a hun
drcd and. all told. I'm in the mud to
| the tune OF about three hundred. I'm
awake now and realize that | ought
to have saved several hundred out OF
thos" fat war wAE"s instead Of ac-
quirinE "A taste for better living ana
| a burden Of debt
But we've started IN on a new
The Morning Tulsa daily world. [volume] (Tulsa, Okla.) 1919-1927, 1921-09-11

program at our house My wifc's
right with me ON that deal. To-day
I'm making the rounds W oVciNbody
| owe apd putting all the cards on
the tahIc.-samc 1s ! have with YOU.
II they II all agree tu 1t lm going to-
treat 'cm all alike In the payments I
make. That seems the square way to-
go about the job uf digEing out In
the meantime I've got to- 1--we. and
that means must have "a reasonable
amount ~ credit
30 far as having any property
backing is concerned this man ~
about the poorest risk ou my books.
hut | consider that I'm ta Ing fewer
chances with him than with lot Of
those who have property. | not only
told him to go ahead on the husis he
had outlined hut that Ia talk with
any other merchant tO whom he was
indebted II he thought II would hrlp
him any. lic's good credit risk be
cause he has character enough To-
realize his situation. see the folly ur
drifting, and mako a plan hy which
to work out of his prcdicamcnt. He's
learned the lesson of the necessity
of living within his income and or
planning for the future I've dis
/ tNNNtu MS ttHt WIN INV Nlittl lilfI~
chants at our meetings and thcv
agree that those who have arrived AZ
this mans attitude are the ones VIII"
should bc given every possible con-
sidcration. every help This is the
general attitude of merchants ana
business men throughout the country
there In not the least doubt abou,
that"
given any man who has fallen bohiud
and found himself caught IN tho
mean Of debt Ia: Go and sc" the men
| YOU uWc--aud see them often. let
them understand that YOU take YOU,
/ obligations seriously, that YOU Hbhor
/ debt. that you arc Oh tho job of ,iv
/ ing inside your income and that you
are making youv payments and your
current expenditures according to a
The Morning Tulsa daily world. [volume] (Tulsa, Okla.) 1919-1927, 1921-09-11

carefully framed plan. Don't hesitate
tn admit that you've been something
of fool in period Of almost uni
vcrsal folly, hut make 1t clear that
YOU know where you're at and that
you're running ON H schedule NJ pre-
parrdncss
Tn>-Day burrnwvrS
"Nou would be surprised. DO rcccutlv
remarked a banker. "at the number
~ leading business men who ftl TO
put aside money with witch to meet
inevitable annual expenses Ike taxes.
Tho result ~ that when taN time
comes they are forced to borrow.
Every banker knows that In the iAs,
days of grace FOR the pDymcut of
taxes 4 line uf anxious candidates
for loans is sure to form In front NJ
the discount desk liut the charnr-
ter OF the men In those lines often
gives the note tcllcrs Jolt " sur
prise This was especially true last
year Executives nf br corpora tious
and individuals of wealth by the
thousands had to borrow To- pay ihcir
income taxes They had neglected
to- set aside sum each month tu
meet THIS fixed and inevitable outgn.
In fact. many were unable to bur-
row enough tu meet this demand,
Il know NJ "A man whose iucom,
tax for 1920 was about twenty five
thousand dollars liy the time this
was to be paid he had as little chaucc
of paying II az I have of paying the
national debt. Ile lived aud spent
ON the basis that hts profits were his
tu have aud to hold and that the IN.
cnmc tax was "A diSasrocahlo myth.
Another man made an Income u'
$4,000 h"vuuSr a his army camp
Wag located In his territory Prob
ably the net income from his htW
ness In any previous year had not cN-
cccdcd $4,000. lie was hilarious
and hcgan to spend proportionatclv
| tried 60 show h;'n. early that year
that he was riding for "a fan unless
he deducted each month u twelfth
of the sum which would be required
The Morning Tulsa daily world. [volume] (Tulsa, Okla.) 1919-1927, 1921-09-11

money II you were to- say to me now
that YOU aaw whore you were head
ing for and that you were going 60
walk out of here and sell your car"
We'll, I'm not going cell the
car retorted the foreman. "Nnt
yet, anyhow. I'll wiggle through
somehow. when my wife gets out
OF the hospital she's going to enjoy
that car more than ever before
and she's going to have IL. too.
somehow"
All right responded the banker
Then you don't get the loan from
me. I'm human enough to realize
That what you say about your witc's
enjoyment OF the car while she's
getting her strength back IL true
but IL she's the woman think she
is she would get lot more strength
and hope from seeing her husband
wake up to the situation which con-
fronts his family than from all the
automobile ridcs she could possibly
take.
why. man, can't you see that II
you'd looked ahead little and put
aside even s25 a month out of your
t275 you wouldn't be in this hole
now? You could have done that
without feeling 1t. In fact you could
have saved SIS month with very
| little forcthought and sacrifice. Then
there's another matter which you've
neglected to mention-thc fact that
| hereafter you're not going to got
S275 "A mopth--not by considera hlc'
And let the fact that your high
wages couldn't continue long after
the close Of the war was as incvit-
able to any man of ordinary foro-
sight the day you received your big
raise AZ II Ia now.
probably you'll he able to get y
/ loan elsewhere and keep your car
/ for a while. hut the relief will bc
only temporary Tho only thing
which will really put you on your
feet and prevent you from boin;;
knocked out financially is to do
your thinking beforehand. This coun-
try never saw the day when there
was as much painful afterthought az
right now-and it's about the most
futile kind Of mental disturbance a
man can have. Pulling oneself and
ones affairs together In advance
isn't half az painful either"
The foreman went out of the
admission of the soundhess OF tn,
talk which he had received. The fact
that he did not reutrn, confess that
he had seen the light and announce
that he had sold his car. liz accepted
by the banker as evidence that hi,
latitude has remained unchanged.
In these days of financial pressure
the attitude of the man who hai
found himself in "A hole in "A large
measure determines the attitude oI
those 10 whom he is indebted and
the measure Of consideration which
he will receive. OF course this hai
always been true to "A certain exten,
but never before has it been 20
conspicuous and outstanding IA credit
, principle as today.
Let me show you how 1t work,
in actual practice" said a large re
tail grocer in city OF 40, 900 inhabi
tants. II noticed that a certain shoT
worker was falling behind in his ac
Count-gctting in IA little deeper caCi
month. We wrote him mild letter
for a settlement. He came in prompt
ly His face showed that ne hat
been doing some mighty scriou
thinking.
i've Just come out of trance
he announced. Haven't quite fig
ured out yet how | fell into it-bu
| think I'm awake now. When wa
. work put my wages up to point
, never dreamed they'd reach it wen
Evening star., 1921-05-20
HARRIS DEFENDS
STACKER LISTS
Declares All Names Printed
Followed Placing of De-
.sertion Charges.

Adjt. Gen. Harris has declared that
"all of the names on the printed lists
of alleged draft deserterS are on those
lists because the War Department
found in the investigation of the Sc
lective service records that the proper
local board officials had entered
charges of desertion against them'
and subsequent Investigations nave
failed to produce any reason for re-
moving such names from those lists.
Many cases will arise in which men
whose names are on the published
lists will attempt. to show by certain
evidence which they may produce that
their names should not have been list
ed and through misrepresentation
made to those not familiar with the
provisions of the SeleCtiVe service reg
ulations. will succeed in inducing the
newspapers to publish stories of their
cases, so worded as to clear them
selves in public estimation and at the
same time put the War Department in
the position of having published their
names without just cause.
Cites Typical Cases.
The following cases, he said. are
typical:
ta) A man received an honorable
discharge from the Army between the
outbreak of hostiltieS and May Is.
1917. the date no which the selective
service law became effective. He then
was called by his local board, failed
to respond and was properly reported
to the adjutant general of the Army
as a deserter. This man may now
exhibit his honorable discharge of
1917 to d newspaper. make claim that
lie is wrOngfullv on the list and have
the alleged injustice done him very
much advertised. whereas. as Il mat
ter of fact. he became a deserter sub
sequently to the date of his discharge
and his name was properly included
in the list.
OBJ Discharges from draft and de-
ferments prior to December Is. 1917.
also afford opportunities for mi srep-
rcsentation. Men will display their
discharges from draft or their classl-
fication cards and the average indi-
vidual will believe that these show
full compliance with the sclectlve
service law. whereas the men may
actually have become deserters sub
sequently to December 10, 1917.
tionnaires or to report for physical
examination or entrainment when
called upon to do so.
(c) Men who enlisted after Novem-
Der IL. 1918. the date of the signing
of the armistice, and who have since
that date been honorably discharged
from the service. may now use such
discharges in an attempt to prove
honorable war service when they
we're really draft deserters prior to
such enlistment. An enlistment after
the armiStice cannet. of course. in
any way affect a charge of desertion
incurred during the period of actual
hostiliNes.
Newspapers should be warned"
said Gen Harris. against being maue
the medium of publication of such
Misrepresentation They are seldom
in a position to pass upon the merits
of tho mans claim and should not
undertake to do so without first TAX
ing up the case with the War Depart
ment."
Evening star., 1921-05-20
HOSPITAL BENEFIT.
Garden Party for Casualty Will Be
Held This Afternoon.

A garden party is to be held for
the benefit of Casualty Hospital this
afternoon at the home of Mr.. and Mrs
Edward l.. Stock, Stockholm. Bradley
Hills. Md. at which Mrs. Elizabeth
Churchill Welch will give an interpreta-
ton of Greek dancing. The dances will
be gin at $40 O'Clock
In the afternoon from $50 until
$50 vocal solos will be sung by Miss
Elizabeth Northrup. Mrs. Benjamin
Soule Gantz land Mrs. David II. Kim
cheloe. Miss Margaret Mansfield will
give violin solo and Miss L. Mans
field a whstling solo There will be
folk and fancy dancing by Miss Grace
c. Cotton. little Miss Branson and the
Masters Burkhart.
Special car service will run from
c2d and o streets to Chevy Chase Cir
Gle and automobiles will meet the
cars to take guests from this point
to Stockholm.
Mrs. Harding and Mrs. Coolidge
head the list OF patronesses. Those not
having obtained tickets may do SO upon
arrival
Evening star., 1921-05-20
COURT TO TRY SHELLEY.
Trial to Be on Charges as Result
of Shooting Groom.

Following the usual course in such
cases. Lieut.. Col. James Il. shelley.
Quartermaster Corps. will be tried by
a general court martial on charges
to be prepared by the judge advocate
general Of the Army, based on the
investigation just concluded by Of
ficerS of the inspector generals de-
partment of the circumstances con-
nected with the shooting of Richard
Christmas. a civilian groom. employ
d at the quartermaster's stables in
this city last Monday.
The court will be appointed by the
Secretary of War and will be COM
posed of officers senior in rank to the
accused officer. 1t will convene in
this city at date yet to be fixed
In the meantime Col. Shelley will re-
main lin arrest in quarters"
Evening star., 1921-05-20
81 TO GRADUATE IN LAW.

The Washington College of Law will
hold its annual commencement Fri
day. June 3. at Memorial Continental
Hall. Degrees will be presented to
siXty-one students. The commence
ment address will be delivered by
Senator A. Owsley Stanley of Ken
lucky. Invocation will be by Rev.
Paul Sperry. Dean Emma NJ. Gillett,
will preside
Evening star., 1921-05-20

with Louis XV baby full Cuban ee black tstrap
with either baby full Lous hees black kid calf high
Lous baby Louis hs sport oxfods; calf
fords with Cuban heels walking heels; black kid calf oxfords;
white oxfords in and styles with welt soe All
style.
The Corpus Christi caller. [volume] (Corpus Christi, Tex.) 1918-1987, 1921-06-19

liF no q ssnEl lated Press.
DALLAS Texas June i, - Dallas
hii NiH AiieT bard in fhe eary m
uinEs TO-DAY while Can.sy waa steady
Throughout, Dallas winning. ga 81
The Corpus Christi caller. [volume] (Corpus Christi, Tex.) 1918-1987, 1921-06-19

- tiHe ~ hrfr- t--
fef funf ~ in- lsr. 49,
4ta We fhe fufIa afsaghr n..
Richmond times-dispatch. [volume] (Richmond, Va.) 1914-current, 1921-03-18
FOR RENT,

nj onum ent Avenue
Apartment, Z rooms and 2
baths. Every modern con.
venience.
Stora ge or Jobbing
House space on railroad
trackage in amount to suit
your convenience, from lou
square feet up to 1000
square feet. Price very
reasonable.
Downtown Offices, sim
gle OF double; every con-
venience. Price reason
able.
Centrally located flat,
five rooms and bath. Heat,
light and water furnished.
1tCllt SdSOIldUlG.
Modern Monument Ave
nue. Apartment, containing
3 bedrooms and 2 baths.
Immediate possession.
WEST END GARAGES.
300 block, between Nam
and Floyd.
$500 block, between Main
and Floyd.
: 270O block, between Main
and Floyd.
Morton q. Thalhimer,
First National Bank Bldg.
Phone Rand. 81.
Richmond times-dispatch. [volume] (Richmond, Va.) 1914-current, 1921-03-18
REAL ESTATE FOR SALE
Enr,ns anal Lnl,d for Snle

100 ACREs-Farm of 100 acres. groom
dwelling. barrS; well fenced ana
wa;crcd: . y mites from sta tioa. CHEAP.
Richmond times-dispatch. [volume] (Richmond, Va.) 1914-current, 1921-03-18

81 Help MISUNDERSTANDING So
UlRLs wanted 10 attend soda fountain
as Fart Main Street. 80 - : $50"
WASTELI. In loflco of large whojcsaIe
housc, young lady Rs fllo clerk i Muet
he able 70 operate typeN'ritcr.. stetoR.
! ply in own hand writ!ns, p. o. Box 1851.
Richmond times-dispatch. [volume] (Richmond, Va.) 1914-current, 1921-03-18
MERCHANDISE
Guou fniups to isat
Household Goods {

VIE BEST Grpt.rles ~ the lowest prices
THO NmENSt GrncRrT Co.
Richmond times-dispatch. [volume] (Richmond, Va.) 1914-current, 1921-03-18
NOTICE.
sALE CE NALUAnLE REAL ESTATE

SALE or VARIABLE REAL ESTATE ny
The UNDERSIGNED Special CommissoSer
ana Trustee. aeting under the direction Of
eanty yrsnS enssrea IN the 81 eh ansss!
JiSSbsr 0' Salnerinc +. johnson and 4. r.
aaanis s on the ma istSS ssx
ri BIZ APRIL APR 1s3i VIII offer for sale to tho
ia the Town r OF Le dSHs 81 VIE !hs
f bHY a nrhI Ho G sSS i 81 on s%rgR-
tract. OF land as set out and desoribed
s IN Inc r, rsr ,nE OF r. s.: Meade. Commits
ferrcd io-wi;; '"s s"'' cause was re-
or IL H.. one WAS: san,anIns 200 moro
y; H. s ss'y af y ,asd 6sriaF date On thy
tsss asas HSS c%Snty VII Sr.in Sn Copper
az One tract containing. f7T.65 acres.
SON IS sagses i Sy q deed at besy6 6 ar an
on The ioth LAY OF February IFS. a1 on
more or less, cenveysi to harvey c. af Gfb..
laie On the i'm aaf l sg assd ssesaarlos
GiGhner Creek. in Russell County. Viz
TERMS oF SALE. to be as follows: Cash
and Go 3 h S costs ss, OF sui and
sarss es TO Say ns smas1t due
son to 6 C. nurns and E. i.a anGSSlpGh VIZ WI
Hams. Trustees TO secure the Atlantic Life
aos fSann s;e the and yRs
tho purchase price to he paid In one. Two
chasers being required 10 OF es sees all Pqs.
payments. ''ea
Given under our hands this 18th day
j. Il. DUFF.
SpccIa, CommIssioner
CLARENCE c BURNS.
~ TIE CLERKS OFFICE of THE Gir
CE.r COURT OF RUSSELL COUNTY.
l., T., u. Combs. Clerk OF the said court
90 hereby certify that tho bond reauired
w. the decree rendered In said causn on
ihS i nth day si9f APRIL, 1921. has besi,l
s,ssn. under my hand as clerk al stns
ats 81 y
s5 = b r.. co MBS. ~ 81 f
Richmond times-dispatch. [volume] (Richmond, Va.) 1914-current, 1921-03-18

BIS ACRES-Farm OF thrcu hundred and
fifteen acres: good dwelling. fouE barns
chop: quarter mile from school: we'll
fenced. onr-half under cultivation Price,
$1,000 90 FOR quick sale. l.. =. H.. EuS
h. bowling Green. Va.
Richmond times-dispatch. [volume] (Richmond, Va.) 1914-current, 1921-03-18
MERCHANDISE
Articles for Sale
ANDERsoN's SPECIALS.

/ wainu, Dresser. ................. 81, so.
] Three piece Walnut Suit. % 80
! Six piece Mahogany Suit. with
steel or wood bed. ............. IS 30
! Six piece White Enamel suit. 90 so
] Golden OAK Dresser. ...... IL so
/ Golden Oak Observation-Disclosures. 81 80
/ Golden Oak Dresser. 81 50
! White Enamel He'd and Spring 10 80
: White Enamel He'd and Spring 10 90
! Three foot wovenNwifs Cot. 10 10
! Golden Cak Hail Rack. slightly
used ACKNOWLEDGEMENTS. l;,t.s. ii so
/ Mission Hanging Hall RacbS.. (, 20
/ s.nsle door CHARTERED OAK ward-o
robe. with extra large mirror So 80
/ Double door Golden OAK Ward.
robe. slightly used. ........,... 62 90
i co,ntlna, ton Book Case and Writ
Jag Desk. golden oak. ......... 81 -
! Walnut Roller Top Desk. ..... =. so
! Early English Flat Top Desk 49,. IS -
/ Mahogany Ladies' Desk. slightly
used -...........-.. ~ 40
! fumed Oak Library Table. ... II so
| Golden Oak Library fable. ..... 70 81
/ six-toot Golden Oak Dining Table IL so
! s!1-too, Extension rable.... /. so
/ Golden OAK Davenette. used.
Terms ............ .-......-. 80 So
Several used Davcnpor,s. oak
mnhogany ............-,. 4? so
! Golden oak Victor Photograph.
With six double disc records - 40
A$DERsoN's. BROAD AT FIRST.
Richmond times-dispatch. [volume] (Richmond, Va.) 1914-current, 1921-03-18
AUCTLOyNs-LECAi.s
Legal Notices
Tue Chesapeaku aud Ohio n.Iltx,,
Company.
:, N9prlcEi OF ANNuAL MEETING.

NOTICE OF ANIMAL MEETING,
Richmond. Virginia. February i; i.,,
NUrlCE Is HEREBY GIVEN a9't
Annual Meeting u; the StoCknoid"H, 'ns
psny Will Ne he'd. as. provided m The III IN
Laws. at ihe general uiiino OF Tho t.a,gn
panS Ia the City "t Richm6uu WREN
Oh Tuesday, the i3kp day OF Anru $50 800
at steven O'Clock a. NJ. A'-.'
% FOR the election or directors.
I'd TO approve ana consent 10 bv ~.
or otherwise AS may Jpe provided by H.,
or consent ny puolc authority. the 90.
to the COMPANY. or the acquisition otneS'
wise ny tue COMPANY IL and 10 ma, go,
authorized oy lnw. OF the RAILROAD 80,
Properly. Nith inc appurtonanccs IN, rsa,
OF Inc Chesapeake and ONO RaIitysy
Company OF INDIANA. III when III, un,'
pany owns substantially ali IN. eaStt,i
stock: ~p'~1
az TO authorize and consent +, ,,.
form and terms o; any iEstr,,mnn, 'ns
lease - Otherwise IN the premises thS,,
may DO submitted 10 tho meeting. ~'
~ TO approve, ratify ana coniipin .uch
sSton tneFetoture taken or au;hurixed ~
tho Board Of Directors or by tbs Esus.Uy
i've committees oil the Company whefSs,
me siockholders or Otherwise as MAJ a.
submitted to the meeting; and w
as may lawfully come before thu 1ncetiS1
The stock transfer books will bs s,.sssi
AZ INC ONCE Of the Company M 81
Broadway. New York City. on Sntufday
s sh9 ls'h no day q; March. Is2i, at Twelve
Wednesday. the. .0th day of Apsii I,S Sn
Ut ton O'clock y. N. i''i'
Ky order OF tho Board OF D!rec,ors
n. TkscvvETT ,,ecretarv