davidaulloa/AmericanStories huggingface dataset:
The Seattle star. [volume] (Seattle, Wash.) 1899-1947, 1922-11-06
HATE FROsH
ARE POWERFUL

St~ washington State frosh team
= powerful club. almost as strong
- the Cougar varsity. They have
nxe and speed and ability. There Is
lot Of classy first team material
cling developed IN that outfit
Washington's team was consider.
sbly weakened by injuries. the line
n particular being hard bit. as
fubby Britt. star tackle. and Larry
burscn. center. were missing satur.
bay.
The Seattle star. [volume] (Seattle, Wash.) 1899-1947, 1922-11-06
BIG THREE
El.ENENS WIN

The BlE Three all earn. thru
Saturdays games O. X. aiiho
Princston was given a fight by
swathmorc. Tn. Tigers nosad ou,
n win BY one touchdown. tho final
count being al 20 10.
Harvard had an easier time Of n
with Florida. defeating tho South.
srncrs ~ 10 o.
Yale ran up . surprisingiy big
tally ON Brown. defeating tho strong
Rhode Island team 20 TO o.
The Seattle star. [volume] (Seattle, Wash.) 1899-1947, 1922-11-06
BOLCOM HEADS
NORTH ENDERS

William Bolcom was elected prcsi.
dent OF the Seattle Golf and Country
club at the annual meeting held in
the clubhouse last Saturday. Jim
Strratt was chosen vice president.
The Seattle star. [volume] (Seattle, Wash.) 1899-1947, 1922-11-06
MAJOR TEAM
IN FAR EAST

The team OF major league players
in tho Orient werc to play the first
game with Keio university az Tokyo
on November 4. The closing game OF
the trip will be Mt Manila on Decem-
Der 30.
The Seattle star. [volume] (Seattle, Wash.) 1899-1947, 1922-11-06
CLEVELAND HAS
OBTAINED STAR

CLEVELAND. Nov. 6. - Walter
Lu;xko. crack Kansas City third
sacker. has been purchased by tho
Cleveland Indians.
The Seattle star. [volume] (Seattle, Wash.) 1899-1947, 1922-11-06
COBB STICKS
TO YANKEES

Despite tho wsiioping tho Yankees
received from the Giants. ry Cobb
insists the Yankees ARE thu greatest
team in either major league. Wonder
II Huxgins believes ST.
The Seattle star. [volume] (Seattle, Wash.) 1899-1947, 1922-11-06
CALIFORNIA
SWAMPs PULLMAN

California swamped Washington
State under 81 To 0 tally Satur-
day Washington beat Pullman Is
10 10. The comparison looks bad
for Washington. but don't forget
that Washington played the State
team on their home grounds and
with their team in good coalition
California met the Cougars At
Berkeley. the Northerners just hop
ping off Of the train before game
time. Tho Pullman team was badly
banged up by injuries. California.
however. showed power and would
have undoubtedly have beaten State
At its best. but the score would
have been closer.
The Seattle star. [volume] (Seattle, Wash.) 1899-1947, 1922-11-06
LONG
WINTER, JACK

Billy Miske'B comeback certainly
was nothing over which Jack Demp.
sey could enthuse. Looks like an idle
winter for the champion
The Seattle star. [volume] (Seattle, Wash.) 1899-1947, 1922-11-06
IOWA IS IN
FOR ACTION

The slogan in the Middle West
relative TO Iowa by all other big
Ten" teams In Beat the team that
beat Yale" Coach Howard Jones is
ln for busy fall.
The Seattle star. [volume] (Seattle, Wash.) 1899-1947, 1922-11-06
WISCONSIN
STlII. IN

Wisconsin muss not Be overlooked
In tho Big Ten gossip. The Badgers
are undefeated as yet this season.
Tho Madison outfi, took the meas.
ure Of Minnesota Saturday BY .
IL 20 0 tally.
The Seattle star. [volume] (Seattle, Wash.) 1899-1947, 1922-11-06
SCOTS TAKE
TEAM MATCH

Tho Irish va. scots golf team
match played at the North End links
Saturday afternoon. was won by the
latter. is points TO H.
The Seattle star. [volume] (Seattle, Wash.) 1899-1947, 1922-11-06

o to 6 Knockout to the Corn
huskers.
ON the othar hand the Presidents
stepped out and licked Lafayette IL
20 10 after the latter team had
IL TO 0 lead In the first half. 7,
was tho first defeat for Lafayette
since 1890.
The Seattle star. [volume] (Seattle, Wash.) 1899-1947, 1922-11-06
Heard Along the Baseball RiaIto

would rather play ball. however. and
tho deal may be made by the
Tigers.
Chief Bender IN expected back In
the Eastern league next year man.
aging the Waterbury team. Bender
had fine success there with Now
Haven. But he hasn't been able
TO got by this year with Reading
In the international league.
I'd Barney made n pretty
nobby pinch hitting record this
spring with Seattle. but the
veteran Sherwood Magee hung
up real record with Mime
apolls this summer. lie batted
20 times, hit two homers, a
single. was hit by pitched balls
four times and walked II times,
The Seattle star. [volume] (Seattle, Wash.) 1899-1947, 1922-11-06
BY LEO H. LASSEN

TT he can land a third sacIser
4 Ty Cobb will be satisfied
with his Detroit infieId. Blue
ON first, Pratt ut second and
Higney mt shortstop are fix
lures. but Jones has been
troubled with stomach trouble
and Hansy can't hit. Cobb may
swing a deal for . third sacker
before long.
The Seattle star. [volume] (Seattle, Wash.) 1899-1947, 1922-11-06

work In st. Louis might help. too.
It's going 10 be merry
fight on In the New York Giant
camp next spring for the center
field Job. Cunningham. Shin
ners, StengeI and O'Conneil win
battle Il out for this position.
Bill Kenworthy has purchased Jim
Brewster's stock in the Portland
club and will undoubtedly be Vice
president OF the organization next
year.
Jack Bentley. pitcher. first sack.
er. outfielder and home run hitter
bought by the Giants from Balti.
more. In 10 be used as Finger.
says Manager McGraw.
The Seattle star. [volume] (Seattle, Wash.) 1899-1947, 1922-11-06
Gridir0n Gossip
Told by Billy Evans

from the 62-yard iine- Az yet no
player has run the length OF the field
from q kickoff In any Of tho bigger
college gamea
The Seattle star. [volume] (Seattle, Wash.) 1899-1947, 1922-11-06

Gil Dobie Is still bowiin' EN- over
In tho East. His Ithaca team
trainped on Columbia Sc TO 0.
Dobls's squad Is Just about leading
tho East In scoring.
The Seattle star. [volume] (Seattle, Wash.) 1899-1947, 1922-11-06
me;
UPSET

UPSET
Perhaps IN. biggest upset Of the
Saturday results was tho 20 Q de-
feat Of Pennsylvania AZ the hands
Of the University Of Alabama
Pennsylvania had Just beaten the
Navy IL 90 7 and tho Navy ranks
an one OF tho most powerful te&mes
In tho East
Just TO rub n I'm. Alabamais team
was mainly composed OF substitutes.
The Seattle star. [volume] (Seattle, Wash.) 1899-1947, 1922-11-06

BEACON HILL WINS
Beacon Hlil's grid team wallopcd
Georgetown. 3 to o. Sunday.
The Seattle star. [volume] (Seattle, Wash.) 1899-1947, 1922-11-06
Freshman
Half Is
Versatile
Former Everett Boy
Shows Goods in Game
With w. S. Yearlings
BY LEO II. LASSEN

IKfNG a 20 20 0
licking at tho
hands of the
Washington stat.
frosh team Sstur.
day. the Washing
ton ycarlings werc
totally outciassed.
hut out OF the
wreck shone one
player who should
develop into one
OF the stars OF
Coast football.
The Seattle star. [volume] (Seattle, Wash.) 1899-1947, 1922-11-06

It's going TO be harder for Tiily
Walker and Bling Miller to hit home
runs In shibe park In Philadelphia
next year. The left field wall has
been raised and six rows OF bleach.
or seats removed from tho left field
stands. A little Of this extension
The Seattle star. [volume] (Seattle, Wash.) 1899-1947, 1922-11-06

La Andsvvon- co1ossa hsavywsAxnx. ~
ruhbsd for Denver Ia MARTA also eoi.
orsd. IN the bout With Tiny Herman. r.
coma heavy. set for BakRs osA.. Gaxus@
dsy. II vii b 10 roundA
The Seattle star. [volume] (Seattle, Wash.) 1899-1947, 1922-11-06

George Cutshaw, veteran big
league infieider. may cavort at sec
ond base for Vernon next year.
Cutshaw did some fine work for
Detroit last year. but Pratt viii
play the bag IN 1923. cutshaw has
been offered the coaching Job with
the Tigers that Dan Howloy has
vacated - manage Toronto. He
The Seattle star. [volume] (Seattle, Wash.) 1899-1947, 1922-11-06

Cincinnati Is dickering for Buzz
Arlett. giant Oakland burlor. with
an inferior club Ariett won a lot
moro games than no lost this year.
He has the stuff and the experience
to make a good pitcher for the
Reds. Pinelli. Bohne. Couch and
Fonseca. former Coasters with Gin
cinnati. have all recommended Ar
lett TO the Red owners.
The Seattle star. [volume] (Seattle, Wash.) 1899-1947, 1922-11-06

work in st. Louis might help. too.
The Seattle star. [volume] (Seattle, Wash.) 1899-1947, 1922-11-06

falling to reach first hut two
times In 20.
The Laurens advertiser. (Laurens, S.C.) 1885-1973, 1922-02-01
JONES NEWS

/
Jones, Jan. 28.-Though somewhat
late we wish to add our tribute OF rel
sDect, to the memory of our warm
friend, Mr.. Robert Smith, who recent!
ly passed away. We never knew a
better citizen. In all the relations OF
life he was as true as steel. He was
q high-toned. honorable Christian gen
tleman and we Gympathize tenderly,
With the bareaved family. i
The friends OF Mr.. John Medlock
Twill be pleased to learn that he As
Iconvalescing. from recent attack of
paralysis.
Mr.. James Cochran, Of Clemson, Is
at home recuperating from an attack
Of lagrippe
MRS. John Sims, Of Waterloo. is yis-
tting, her daughter, Mrs. w. T. Jones,
Jr.
| We are in the midst Of an exceed
ingly cold wave with sleet and snow.
The untimely death of DR.. J. S. Mof-
| |fatt.. OF Columbia, formerly president
Of Erskine College at Due West, was
great shock to his friends. His
death is great loss to the state Ev-
cry movement for the promotion Of
all that. was good, pure and noble, re-
ceived his warm and hearty support.
Let us revere his memory and emulate
his virtues. He was our warm friend
and the bereaved family have our ten
derest sympathy.
We extend cordial welcome to Mr..
Willie Norrell and family who have
moved here.
Mrs. Lola j. jenkins is teaching in
the Sharon high school, in York
county.
Mrs. w. II. Hough passed away yes
terday and was laid to rest at Turkey
Creek cemetery. She was the daugh-
ter OF the late VIM. b. Gaines, who
was one of the best men we ever
knew. Mrs. Hughes spent her long
and useful life near where she was
born and reared. She left her hus-
band, three SONS, four daughters, and
a great many grandchildren, to mourn
her departure. She was most ex-
cellent woman and was held in the
highest esteem by all Of her acquaint-
ances We tenderly sympathize with
the bereaved family.
The Laurens advertiser. (Laurens, S.C.) 1885-1973, 1922-02-01
. . 0 I
HICKOE YTRVERW NEWS

Hickory Tavern, Jan. 30.-The r A,
Cooper Literary Society. OF Bicxory
Tavern Is progressing nicely.
There has been great Improvement
since last year, when first organized.
The society meets twice a month and
gives interesting and Inspiring pro-
grams. The members are enthusiastic
and loyal. The new officers for the
spring term OF school were erected
last week as follows: president. Miss
Marjorie Weathers; Vice President.
Brady Roper; Secretary, Kenneth
Sumerel. The following program was
very successfully rendered at the last
meeting:
STORY or our nurses-and what wa
should know to Keep werl."
Society Song.
Roll Call.
Reading Of Minutes.
The Red Cross Spirit -Mclle Aber-
crmbie.
Life of Florence Nightingale.-rold
by Eunice Weathers.
Quartet-Four boys.
What i Stand For.-Sara Hellams.
Life OF Edith ett.-Nellie Wasson.
|oong-My Jesus, Love Thee.
r. A. Cooper's Endorsement of Health
Crusade.-kenneth Sumere1.
Life Of Clara Barton-Read by Gertie
Bolt.
Song-The Rose in No Mans Land
Miss Beeks.
Critics.
Business.
Closing Ode.
The Laurens advertiser. (Laurens, S.C.) 1885-1973, 1922-02-01
You Can't Trust
CaIone| at All
1t is Mercury, Quicksilver, Sail
Yates, causes Rheumatism
and Bone Decay

The next dose of calomcl you take
may saliyate you. 1t may shock your
liver or start bone necrosis. Calomel is
dangerous. 1t is mercury, quicksilver
1t crashes into sour bile like dynamite,
cramping and sickcning you Calomei
attacks the bones and should never be
put into your systcm.
If you feel bilious, headachy, consti.
pated and all knocked out, just go to
your druggist and get bottle of bod.
sons Liver Tone for few cents which
is harmless vegetable substitute for
dangerous calomcl. Take spoonful and
it it doesn't start your liver and
straightcn you up better and quicker
than nasty aalomel and without making
you sick, you just 90 back and get your
money. ~
Don't take oalomel! 1t oan not be
trusted any moro than leopard or a
wildcat. Take Dodson's Liver Tone
which straightens you right Up and
makes you feel fine. No salts necessary.
Give it to the children because it 10
perfectly harmless and can not salivste.
The Laurens advertiser. (Laurens, S.C.) 1885-1973, 1922-02-01
RIDDLES OLD FIELD NEWS

/" q d
Riddles Old Field, Jan. 3O.-We are
glad to see the beautiful sunshine
again after week Of severe weather
Snow fell here that measured from 2
to 3 inches.
Those who have been On the sick
list for sometime are improving. we
are glad to state.
MI. John Burns is now on the road
to recovery. We hope he will soon
feel himself again.
Mr.. and Mrs. w. E,. Martin and it,
tie daughter, Vara, were the guests
|Sunday of Mr.. and Mrs. s. D. Martin.
Mr.. S. D. Martin has been on the
sick list for sometime.
Mr.. and Mrs. j. S. Todd and
Blanche Todd, visited Mr.. and Mrs.
F. e. Bobo Sunday.
Mr.. Marvin Rhodes had some teeth
extracted recently and has been suf-
fering considerable pain from a swol-
len gland.
Mr.. and Mrs. Raymond Cooper were
recent, guests of Mrs. Cooper's par
ents, Mr.. and Mrs. A. w. Rhodes.
Miss Nell Riddle visited her friend,
Miss Nellie Howard "Wednesday night.
Miss Edna Riddle was the attractive
visitor Of Miss Jessie Riddle Wednes-
day night.
Mrs. II. wv. Cannady is on visit to
her children, Mrs. Bob Lanford and
Mr.. Henry Cannady, in Woodruff.
Mr.. w. d. Garrett was the recent
visitor of s. M. Garrett.
School was omitted Friday on ae~
count Of the snow.
The Laurens advertiser. (Laurens, S.C.) 1885-1973, 1922-02-01
BIG DIVIDEND 10
OIL STOCKHOLDERS
Busey nj itufeh Snare Owners Get $16
for Each Dollar Invested.

FOR Each Dollar Invested.
Ell Dorado, Dec. 21.-Stocliholders
of the Busey- Mitchell Oil Company,
the pioneer company in the FL Dorado
district, and which brought in the dis
covery oil well on January 10, are re-
ceiving their share Of the biggest divi-
dend ever paid by an Arkansas oil
to moro than $4,000, the original
stockholders realizing $1,614.15 for
each $100 invested, or better than 16
for one.
/ DIR. Samuel II. Busey, president OF
the company, received the largest
check 1t was for $4,000. Ike Eel
senthal, treasurer OF the company,
came second, receiving in excess OF
$4,000. Wong Wing, Chinese lann-
dryman, received more than $4,000.
he having invested $3.50 in the pioneer
project. T.. H. Koon. plumber, who
invested $100, received $1,614.15.
! With the payment OF this dividend,
the Busey-Nfitchell Company surrend-
ers It's charter to the state, and the
company which less than year ago
startled the oil world by the compile
ton Of the famous Busey-Armstrong
No. 1, steps down from the game in
Ei Dorado.
This Iiividend was realized by the
Isale or the Busey Mitchell overriding
lroyalty to the Southern OIL Lands
Company several weeks ago, and 9TH
or sales OF oil which the company has
made.
Justin Boone. o former resident Of
this city son OF Jim Boone. q well
known butcher, has notified his father
OF good fortune that came to him this
rneek as q result OF an investment in
acreage In the Ell Dorado field. Young
Boone left here several years ago to
work in Dl Dorado. At that time,
however, no one was drilling, but when
oil was found in Union county, Boon
secuFedsa twenty-acre lease and await
ed developments.
! It Is said that company gave him
$4,000 an acre for 10 acres and
guaranteed him 100000 more in the
event It got Oil. The trade was made
and the company drilled its first well,
lgetting O $500 barrel gusher.
Dad" telephoned young Boone to
his father, "you better close up that
butcher shop, hang the clever on the
wall and come to ,El Dorado for a good
long rest"
Ills father however has sold his bus-
iness to Paul Gibson, although the
elder Boone Ia giving 1t his attention
for Gibson. However the Eel Dorado
call is appealing to the fatheN and he
is considering accepting the sons In
lvitation.- ADV.
Rnb.My.Tism, antigeptie and pain
Miller. for Infected sores, letter,
The Laurens advertiser. (Laurens, S.C.) 1885-1973, 1922-02-01
Card of Thanks.

We wish to thank each OF our neigh
bors, friends and relatives for their
tnnumerable acts OF kindness during
the illness and death Of our dear hus-
band and father. May God richly
bless each Of you is the prayer OF
Mrs. B. F.. Simpson and Children.
The Laurens advertiser. (Laurens, S.C.) 1885-1973, 1922-02-01
Bailey School Honor Roll

Second Grade-Carrie Richards.
Third Grade Evelyn Ramage, Char
lie Richards, Lou Ella Fuller, Willie
Lee Fuller.
Fifth Grade-Ada Benjamin.
Sixth Grade-Mary Templeton.
Seventh Grade--Mary Benjamin.
The Laurens advertiser. (Laurens, S.C.) 1885-1973, 1922-02-01
THIN, FLAT HAIR
GROWS LONG, THICK
AND ABUNDANT
""n""'","."."," ,",n".".nr,,,,..,.

"Danderine" costs
only 35 cents n bottle.
Ono application ends all
dandruff, stops itching
and falling hair, and,
in n few moments,
you have doubled the
beauty of your hair.
1t will appear n mass, 80
soft, lustrous, and easy
to do up. But what will
please you most will be
after a few weeks use,
when you SEQ new hair
fine and downy at first
yes-but really new hair
growing all over tho
The Laurens advertiser. (Laurens, S.C.) 1885-1973, 1922-02-01

scalp. "Dandcrine" is to The hair what
fresh showers of rain and sunshine are
10 Vegetation. 1t goes right to the roots.
inyigorates and strengthens them. This
delightful, stimulating tonic holps thin,
iifeless, faded hair to grow long, thick,
heavy and luxuriant,
The Laurens advertiser. (Laurens, S.C.) 1885-1973, 1922-02-01

Whern
Robinson Cru soc
HUNG shirt ON the end of % pole at the
highest point of his island, and attracted
no attentions lie was persistent, and tried
again and again, till a passing ship stop
ped at his port, bringing goodmck. Now.
II we are i'm hard luck and want the Shin
or Success to- stop at our po1 Is, here are q
few good anchors to pitch to- the Captain
OF the vessel: Persistence, Enthusiasm.
Energy, industry, Truth, Integrity and Econ
omy.
Collins Department Store is expert i'm supplying
ideas of economy Wehave expert captains s1pnliee1
with anchors built of material called Spot Cash. which
also useful i'm bringing harbor commercial ships
I'm Distress Quotations cargo, landed from last
vessel:
Ladies' al-wool Hose sm~
Infants hustler brand Hose i'm, assorted col-
Apron Ginghams, Gin ham fast coiors, per ward Sc Sc
Mattress Ticking 7c
Umbrellas each q@
Ladies' Hats, sold high as $500 25c
Children's Hats 2sc
Bedroom Slippers per pair &c
Ladies' Outing Gowns CSC
Electric Irons, with all attachments $3.98
Armours Toilet Soap a.
Camel Cigaretts 15c
Brown-mmle Tobacco 22Ikc
APpie sua~cured tobacco &2Hc
Yellow Jacket and Schnapps Tobacco 22Rc
Boys Pants, per pair SIC
Boys Overalls, per pair 48c
Mems heavy Overalas, per pair csc
Mems Sunday Shirts with double cuffs 75c
One lot Shoes per pair 49c
All.wool Serge, 36 inch wilde, per yard 75c
Iaeaieao Shoes. rer nair @a 90
The Laurens advertiser. (Laurens, S.C.) 1885-1973, 1922-02-01

Rnb'My.Tism, anaseptie and pain
killer, gor Infected sorea, letter,
'spEafns, nOuHalgias rheumasism.
The Brattleboro daily reformer. (Brattleboro, Vt.) 1913-1955, 1922-12-27
Today's Anniversaries.

1S11-Memorial presented TO congress
setting forth the defenceless con
dition of Michigan. and praying
for aid against the Indians.
1S19-Lord Cairns, lord chancellor OF
England and one of the greatest
lawyers of the 10Th century, born
in Ireland. Died April ,, 1885.
1S22-Louis Pasteur, the great French
scientist who discovered inocula-
ton as cure for hydrophobia,
born. Died Sept. %, 1896.
1Si1-Brigham Young was chosen to the
first presidency of the Mormon
church.
1SS9-Many buildings in New Westmin-
ster. b. c., were destroyed by fire
1S91-Traffic throughout England was
suspended by one of the densest
fogs ever known in that country
1S95-Twenty-three lives lost in a panic
caused by false alarm of fire in
a theatre in Baltimore.
1S91-Aguinaldo, leader of the rebellion
in the Philippines, exiled to Hong
Kong.
The Brattleboro daily reformer. (Brattleboro, Vt.) 1913-1955, 1922-12-27

credit for persistence in matters of not
toe much Importance. Set them at some
specific, useful task and they'll soon
show fckleness of purpose, say hard
hearted grown-ups. But this is not the
whole story.
In one state last year 20 per cent of
all the boys and girls who joined vari-
Gus sorts of farm clubs stuck it out to
the end. according to a report from the
club leader at the state university.
Whether it required working in a hot
corn field, or keeping up interest in pigs
or cows or chickens through l. long
months. or whether it was toiling faith
fully with fruit and vegetables and jars
and rubber rings in farm kitchens. the
youngsters pretty generally held TO the
work they-had undertaken.
And their interest seems to be grow
ing. Enrollments in farm club work
trebled during the three years 1920-1922.
Yet competitions in 1922 were seven per
cent greater than in 1921. and 10 per
cent greater than in the preceding year.
Stick-to-it-iveness is fine quality TO
! cultivate, particularly when it involves
tssuch healthful and helpful activities rs
the rural clubs perform.
The Brattleboro daily reformer. (Brattleboro, Vt.) 1913-1955, 1922-12-27
WEDNESDAY. DECEMBER p, 1922.
PRICES. INVESTMENTS, LOANS.

According TO a recent estimate, prices
in this country are about ia per cent
of what they were in 1913.
So the cost of living. in spite of CON
siderable reduction, is still half again
as high as it was before the war Most
peoples interest in the matter ends
with that reflection. But there are.
other important conclusions that might
he drawn, especially with regard to the
effect on investments
1t is plain that a six per cent divi-
dend on stock or six per cent interest on
bonds is really only the equivalent of
four per cent before the war, because it
viii only buy as much now as four per
cent would have bought then.
\ loan made before the war, drawing
six per cent interest right along. is
really bringing in now only two-thirds
rs much income as it did originally. An
equivalent income now would be nine
per cent.
Likewise, since a sum of money bor
rowed 10 years ago win only buy two
thirds rs much as it would then, it is
only worth two-thirds as much when it
Is paid back. Thus the lender, receiv-
ing the same number of dollars he lent
10 years ago. loses one-third of his prin-
cipaI. The borrower gains accordingly,
though that is often harder to demon
strate.
The principle involved is something
for anybody who contemplates either
borrowing or lending to think about.
Profit or loss depends on the fluctuation
in the value of the dollar up or down. If
prices are going up-and dollars down
it is going TO be profitable t0 borrow
money, provided the interest rates do
not rise proportionately- If prices are
going down, it is going to be profitable
to lend money. because the dollars. when
paid back, viii buy more than they
would when the loan was made