davidaulloa/AmericanStories huggingface dataset:
Daily Kennebec journal. [microfilm reel] (Augusta, Me.) 1870-1975, 1923-02-20

Miss Nancy Hanks has accepted a
position with Kenney and Greenwood,
brokers and entered upon her new
duties, Monday.
Daily Kennebec journal. [microfilm reel] (Augusta, Me.) 1870-1975, 1923-02-20
DAILYKENNEBEC JoUNRAL
Telephone l35

Cards OF thanks. obituary notices. res
olutionS Of respect. etc. will be
charged at the rate of ten cents per
line. No charge less than 20 cents.
Subscribers who fail to receive the
Journal promptly will confer a favor
by notifying the office Immediately.
Daily Kennebec journal. [microfilm reel] (Augusta, Me.) 1870-1975, 1923-02-20

frank Carpenter of Madison was
t UeIe saturday in attendance at the
Daily Kennebec journal. [microfilm reel] (Augusta, Me.) 1870-1975, 1923-02-20

uss Mary =. Sheehan will be unable
" 10 any work until the first Of March.
feb19d2t
Daily Kennebec journal. [microfilm reel] (Augusta, Me.) 1870-1975, 1923-02-20
PHOENIX ASSURANCE CO., Ltd.
OF London, England

OF London, England
ASSETS DEC. 81, 1922
Real Estate ........... S2s5,ooo.oo
Mortgage Loans ...... Nil
Collateral Loans ......
Stocks and Bonds. ...... 4,731, 10000
Cash in Office and Bank. 321. 326.09
Agents Balances ....... 1,552,436.7
Bills Receivable ....... 1,177.50
Interest and Rents...... 61,595.51
All other Assets. ....... 31,94S.90
Gross Assets ...... $6,9S4,590.70
Deduct items not adj
mtted ............. 62,776.95
- Admitted .......... S6921S13.75
LIABILITIES DEC. 81, 1922
Net Unpaid Losses. ..... S404,254.S7
Unearned Premiums .... 3,642. 1920
All other Liabilities. .... 100000
Deposit Capital ........ 100000
Surplus over all Liabili-
ties 49,. .......... 2,345.376.1S
Total Liabilities and
Surplus ......... s6921S13.75
w. G. BOOTHBL, Agent,
Augusta, Maine.
feb20.tues,3t
feb20tues3t
Daily Kennebec journal. [microfilm reel] (Augusta, Me.) 1870-1975, 1923-02-20

Miss Mary Bowling, emps s.,,
Fifeld Bros. Co. store, is COLI.
her home at % Greenwood su'''
illness,
Daily Kennebec journal. [microfilm reel] (Augusta, Me.) 1870-1975, 1923-02-20

meeting, May s, fireless .. co. !,
June u. remodeling; July "
nurse talk; August IA. cana!, }
II. food habits and apple c@'
Nov. 6. short cuts in sewing.
Daily Kennebec journal. [microfilm reel] (Augusta, Me.) 1870-1975, 1923-02-20
LOCAL NOTICE

3. All outstanding bills pertaining to
Ehe Winter Carnival should be mrs.
snted at once to Dwight Higgins.
First National Bank. FahooI1t
Daily Kennebec journal. [microfilm reel] (Augusta, Me.) 1870-1975, 1923-02-20

II not a regular patron Of orr
tuesday night dances try this one
1oioen Cross hall. Smiths orchestra.
feb2Od1ts
Evening star., 1923-04-01

Size 4 feet s inches, which is
very compact, requiring no more
space than an upright. English
brown mahogany with double
cross banded veneer in rich satin
finish.
Evening star., 1923-04-01
Twentieth Dixie Ball
To Be Notable Event

The twentieth annual Dixie ball
will be given tomorrow night in the
ballroom of the New Willard Hotel
under the auspices Of the Robert T..
Lee Chapter. No. 644. United Daugh-
ters of the Confederacy and will be
one of the largest ever given by the
chapter. Mrs. Clause A. Gathgens is
chairman OF the bail committee and
Mrs. Wallace Streater, chairman OF
patrons and patronesses. Mrs. Hard
ing, Mrs. Coolidge. Secretary John W.
Weeks. and Mrs. Henry C. Wallace
represent the executive family, while
other patrons are Nine Hanihara,
MIR. Justice James Clarke McRey-
nolds. the minister of Poland. the
minister of Venezuela, Mrs. Wood
row Wilson, Mrs. Theodore Roosevelt,
Miss Laura Harlan, Judge Robert e.
Mattingly. Mrs. Robert E Lee. Mr.
Robert TSdd Lincoln and Mrs Walter
Everett Hutton. president. District
Division. L. u. c.
Associated with her are: Mrs Will
liam II. Saunders. Mrs. Daniel C.
Roper. Mrs. Clarke C. Wrenn. Mrs.
W. W. Almond. Mrs. John w. Phillips.
Mrs. John T. Goolrick. Mrs Harriet
Gum Robertson. Mrs. Richards, Mrs.
Wade II. Atkinson, Mrs. Louis Rig
giles. Mrs. Kenneth L. Roberts, Mrs.
Evening star., 1923-04-01

Cabot Stevens. Mrs. Mabel Walker
Willebrandt, Miss Mary Harold, Mrs.
Lindsay Morehand, Mrs. ID, N. Burn
ham, Mrs. Isidor- Rayner, DR.. Sterling
Ruffin, Mrs. A. Lisner, Mrs. Francois
berger Moran Mrs. Ellen Spencer
Mussey.
Mrs. Robert yanhorn Willet, Mrs.
Frederick Albert Ollie. Mrs. Robert
w. Bliss, Mrs. Anthony Wayne Cook,
Mrs. Howard l.. Bishop, Mrs. William
Phillips, Mrs. James X. Mebane. Mrs.
E. c. Blockmeyer, Mrs. William NJ.
Hanney, Mrs. Victor Houston, Miss
Caroline Longfellow, Mrs Boardman
Hartman. Mrs. NJ NJ. Mahoney, Mrs,
Jasper n. Baker, Mrs. Frank r. Con-
way, Mrs. A. G. Mackey, Mrs. Snarr,
Mrs. Brooke Fry, Mrs. Charles e.
Fairfax.
Mrs. Aubrey T. Broaddus. chapter
chairman of the floor committee, an
nounces the following list: Mr. Frank
F. Conway, commandant of Camp 305,
Sons of Confederate Veterans, chair
man: Mr.. Claude n. Bennett: honor-
airy chairman; Judge Marion DeVries,
vice chairman: Mr. Oliver Bloods-
worth. Mr.. j. G. Frey. Mr.. II. II. Dick.
Mr.. Louis V. Woulfe, Mr. III. c.
Churchman. Mr.. Ralph G. Robey, Mr..
ki"yd kn91s tTrpllinger MI j. MI Mr. Frank ;t b F.
Schmitz, DIR. Q. II Wendt. Mr.. Robert
Wendt. Mr.. George Rawlns. Mr.. r.
A. Boswell, Mr. Sam B. Barrett. Mr..
Charles b. Barrett, Mr.. A. II.
Gard, Mr.. George W. Phillips, Mr..
George Weber. Mr.. Robert w. Phil
lips, Mr.. c. B. Lynham. Mr.. Leland
c. Talbot, DIR. Arthur W. Shea,
DR.. Jasper ". Baker, Mr. William
Addison Rogers, Mr.. Hamilton Knox.
Mr.. F. G. Maston, Mr.. Donald l.. Mat
tingly, Maj. James Johnson. Cant
NJ. f. Cronin. Capt. William Sheriff.
Mr.. w. Floyd Beasiy, AIR Harry
Woodward. Mr.. Henry Stein, Mr. Brit
Evening star., 1923-04-01

ton Fearcy, Mr.. r. f. Joyce, Mr. Dew
ey Hicks, Mr.. Ladrum Outlaw, Mr..
y. r. Fravel, Mr.. Charles Trowbridge
Tittman, Mr. James Bergman, Mr..
Clarence Owens, jr.; Mr.. Thomas
Wright Parks. Mr.. WILDER Glover.
Mr.. Joseph c. Byars, jr.; Mr.. New. w.
Strausbaugh. Mr.. j. A. Emmart, Mr..
Samual Duval Mr.. L. w. r. Ewing,
Mr.. Lee Crandall. jr.; Mr.. William l.
Denning, Mr.. John King Pickett, Mr..
Judd Dickey. MIR. Ashton Embrey,
Mr.. c, Leonard Chambers, Mr.. Julian
Cabel Goolsby, Mr.. John J. Rodler,
Mr. Joseph Banner Mr.. John Nor
rid. Mr.. Rudolphe de Zapp. Mr.. Paulette
Coulon. Mr.. II. q. Pratt, Mr. James X.
Melbane. Mr.. c. c. Edwards. Mr.. G.
A. Sherwell. Mr.. Eugene Meyer. jr.;
Mr.. w p Emo, Mr. E. c. Brokmeyer,
Mr.. Frank Kelley, Mr. Lee Laucke.
Capt. John w. Stanley, Mr.. John A.
Chumbley, Lieut.. Harwood Chris
well. Mr.. Paul Anderson. Mr.. Henry
Spitzbergen. Mr.. kleine and Col. Earl
w. Tanner.
Evening star., 1923-04-01
hosts at bridge party Monday eve
ming al the Pheasant Tea Room,

Lieut. and Mrs. W. Livingston
Lewis have moved into the apartment
on Prince George street which they
have recently leased Lieut.. and Mrs.
b. F. Perry have also leased one of
the new apartments Prince
George street.
Commodore and Mrs. James A.
Ring are entertaining their son, Mid
.shipman Stanhope c. Ring, and a
number of his classmates over the
Easter holiday.
Miss Eleanor Lloyd, who has been
the guest of her aunt, Mrs. Barton
l. Wright, has returned to her home
at Lynn, Mass
Lieut.. Commander and Mrs Gran
vile b. Hoey have issued invitations
for supper party on April 1. before
the dance at the Officers Club. in
nonor of Admiral and Mrs. Wilson.
Lieut.. Durgin. L. S. \. has sent out
cards for a tea April 6, at the Blue
Lantern Tea Room.
Evening star., 1923-04-01
Bridge Party Benefit
For Girl Scouts April ii

A bridge party for the benefit Of
the Girl Scouts is to be given at
Wardman Park Hotel Wednesday
afternoon April IL at 2:30 o'clock.
a notable list of patronesses is
headed by the name of Mrs. Warren
G. Harding and includes Mrs. Calvin
Coolidge. Mrs. Charles Evans Hughes,
Mrs. William Howard Taft, Mrs. John
w. Weeks, Mrs. Edwin DENLY. Nine.
Wallenberg, Nine. Peter, Mrs. Fred
erick H. Gillett and Signora Celesia.
A large number of tables already
have been subscribed, the holders in
Guiding many of the prominent
women of Washington.
Players are requested to bring
their own playing cards or Nah
Jongg sets.
Mrs. Richard Harlow of Park Lane,
Rosslyn, Va. is the chairman Of the
entertainment.
Evening star., 1923-04-01
FEED THE BRUTE
Favorite Recipes by Famous
Men.

My favorite dish when obtainable,
which is not at all seasons of the
year is terrapin. ] like il because IL
is American. because the flavor is in
the bird" itself. and not in any sauce
which may be added.
| have often served terrapin to the
complete satisfaction of rather critical
company. The formula is the simplest
possible. | have placed before me a
Evening star., 1923-04-01

Chafing dish. containing the already
stewed-in its own juice terrapin.
add liberal, very liberal quantities Of
the best butter, a pinch of salt and
make the whole thing boiling hot.
The best of diamond back terra pins
are generally ruined in the serving
by allowing the cook to add white or
black sauces and various condiments.
As said before, the flavor is in the
bird.
(COpvripht ig2?
Atlanta tri-weekly journal. [volume] (Atlanta, Ga.) 1920-19??, 1923-02-27

OHUS Elizabeth found her engagement ,
full of unexpected turns and twists, and
r. nothing precisely as she had expected. |
But she accepted things as they came, being
of the type around which the dramas OF life
are enacted while remaining totally undra-
matte herself. She lived her quiet days,
hemmed table napkins for her linen chest,
and slept at night with her ring on.
They were very gay in the old brick house
that night before the departure, very noisy
over the fish and David's broiled lamb chop
Dick demanded bottle of Lucys homemade
wine, and even David got a little OF it. ana
after dinner he took her into his laboratory
and while she squinted one eye and lookeu
into the finder of his microscope, he KISSED
the white nape of her neck.
When they left the laboratory there were
people in the waiting room, but he held her
in his arms in the office for moment or two
very quietly, and because the door was thin
they made a sort OF game OF II, ana pre-
tended she was a patient.
Glow did you sleep last night?" he said
in highly professional and very distinct voice
Then he kissed her.
every badly, DOCTOR" she said, also very
clearly, and whispered, Il lay awake and
thought about you, dear"
I'D better give you this sleeping powder
Oh. frightfQIly professional, but the powder
turned out to be another kiss. 1t was Won
derIul game
When she slipped out into the hall she
had to stop and smooth her hair before she
went to Mr. 'Crosbys sitting room.
It was Jim Wheeler's turn to take up the
shuttle A girl met in some casual fash
ion, his own youth and the urge OF 1t, per-
hans the unconscious indulgence of an only
boy-and Jim woye his bit and passed ON.
There had been contention in the Wheeler
family during all the spring. Looking out
aIIT
the young world going by a-wheel, and go
ing fast. Much that legitimately belonged 10
it, and much that did not, in the laxness OF
the old CODE he laid to the automobile. And
doggedly he refused to buy one, then reluc-
tanly acQuiesced.
But night or two after David and Lucy
had started for the seashore, Nina came IN
like a whirlwind, and routed the family peace
Immediately.
to jim He's taken our car twice at night
without asking for it, and the last night he
broke a spring. Les is simply crazy.
Taken your carl" Mrs. Wheeler ex-
claimed.
Eyes I hate telling on him, but I spoke
to him after the first time, and he's done ii
again"
Mrs Wheeler glanced at her husband, who
was staring at Nina.
Don't worry" he said grimly. Hell not
do it again."
Mr.. Wheeler got up, whistled for the dog
and went out. His wife turned on Nina.
II wish you wouldn't bring these things tc
your father, Nina" she said. He's beer
very nervous lately, and he isn't always fail
to Jim"
well It's time Jim is fair to Leslie,
Nina said, with family frankness. 'I'll tel
you something, mother. Jim has a girl some
where, in town probably. He takes hel
driving. I found a glove in the car. AnG
he must be crazy about her, or he'd never de
what he's done"
do you know who it is?"
"No. Somebody's he's ashamed of, prob
Atlanta tri-weekly journal. [volume] (Atlanta, Ga.) 1920-19??, 1923-02-27
GLOOM LITERATURE
BY Dr.. Frank Crane

The other day an eighteen-year-Old Bar
nard college Junior, girl physically per-
feet and handsome, committed suicide by
drinking potassium cyanide.
She announced that her reason for this
rash act was to be found in her reading
of a book whose pessimism, gloom, cow
ardice and perverted egotism had so preyed
upon her mind that her life did not seem
worth while.
The book was called "The Journal of a
Disappointed Man" 1t was a chronicle of
the thoughts of lad of fourteen carried
through to young manhood, and contained
record of establishment and failure
He died at the age of twenty-eight.
This young lady was not a failure judg
ing by all outward standards. She had
achieved honors in economics, sociology,
zoology and anthropology. She had plenty
of funds and many friends.
All this furnishes a striking illustration
of the harm the gloom spreader can do.
We have a way of calling tragic books
strong and refer to plays and novels as
Strong" when they record a succession of
moral gripes. 1t seems to be a common
notion that tragedy is superior to comedy,
more thoughtful, more worth while. All
this, in my opinion. is nonsense.
Joy is infinitely more complex, adven-
turous and interesting than sorrow. 1t is
harder to understand. Further than that
1t takes strong personality to endure it.
Any weakling can suffer, any pusllani-
nous soul can whine.
Almost all young authors in their first
works write some sort of gloomy stuff. 1t
is the easiest thing in the world to write
for the simple reason that a howl of pain
attracts more attention than a smile
AS far as I am concerned I am glad
that L have never lent my pen to any such
noxious produce, for I think if one cannot
say something that shall contribute to the
health, the courage, or the contentment
OF his fellow men, he had infinitely better
not write at all
p / not only do not write gloom stuff but
never read it if l can help it. Nature
mas supplied me with all the gloom I need
and do not need the assistance of art
l persist in my belief that no artist has
any right to make any work that is not
beautiful, and more generally speaking no
human being has right to say or do any
thing that can encourage the fears, the
morbld1ty or the despair of the world.
The gentleman who wrote this book
which occasioned the suicide Of the lady
died shortly after he wrote it. His mistake
was that he did not die before he wrote
the book,
Copyright, 1929.
Atlanta tri-weekly journal. [volume] (Atlanta, Ga.) 1920-19??, 1923-02-27
NOISY PEOPLE
By H. Addington Bruce

BY H. Addington Bruce
~ NE may safely set down as rule that
I J habitually noisy people stand in much
the same relation to quiet ones as a
shallow stream of water yeIping it's way
among rocks and stones does to a silently
flowing deep river
The power of the river, as everybody
knows, is vastly superior to that of the shall
low stream Yet if one were to judge only
from the hub-bub of the latter, one would be
misled into accounting it far and away the
more important as compared with the river
that makes hardly any noise.
Whimsically it might be imagined that to
cause such misleading-or, at all events, to
assist to an overrating of it's Importance
was the very reason for the streams noist-
ness. Insistently it would command atten-
ton, if only through mere shouting and hula
balIooing.
Such a notion would, of course, be absurd
as applied to a stream. 1t is not so absurd
applied to people who habitually make them
selves conspicuous by loud laughter and loud
talking.
Study these noisy folk closely familiarize
yourself with the routine of their lives, and
pretty generally you will find that they are
point of view of socially productive activity.
Many among them are people who are not
socially productive at all, iders, mere para
sites Others, though engaged in productive
activities, are people who apply themselves to
these only half-heartedly or so ineffciently
as to attain no great degree of success.
More or less clearly aware Of their failure
to meet life's demands and contribute, as
all should, to the carrying out of life's pur-
poses, more or less clearly aware that this
failure puts upon them a stigma of inferiOri-
ty, they would nevertheless gain for them
selves delusional sense of superiority.
So they resort to the device of nOisness,
which naturally has the effect of bringing
them to the attention of other people. See
ing themselves stared at, perhaps talked
about they glow inwardly with a self-satis-
faction out of all proportion to the means by
which it was obtained.
There are, to be sure, exceptions to every
rule, and the rule that habtually noisy peO-
pie are noisy in order to protect themselves
from an acknowledgment of failure and insig-
nificance, is a rule that has many exceptions.
That it remains rule, however, will be ap-
preciated by all who delve to any depth in the
psychology Of the habitually noisy.
And, manifestly, it is particularly impor-
tant that the meaning of their nOisiness be
appreciated by the habitually noisy them
selves. For then they may be melted, as per-
haps never before, to activities redeeming
them from the inadequacy that has occasion
ed their noisiness.
Copyright 1928.
Atlanta tri-weekly journal. [volume] (Atlanta, Ga.) 1920-19??, 1923-02-27
THE SUPERIOR SEX
BY HAZEL DEYO BACHELOR
An EnthYaINng Romunce

Synopsis of preceding chapters-John
Steele finds strange and beautiful girl
asleep in his taxi one stormy evening.
She demands to be set down, but faints
on the sidewalk when she has gone only
a short distance, and Steele carries her
home with him. Marcia Steele, his moth
er, although she is worried because of
Johns interest in the stranger, takes
charge of her, but it is Steele himself,
who in the fight for the girls life, wills
her to live. During her cOnvalescence the
girl gives her name as Anne Temple, but
refuses to tell anything about her past.
When Steele is admitted to her room for
the first time, she asks him why he saved
her life when she wanted to die, and
on impulse Steele asks her to give her
life to him if she has no use for it. In
stantly the girl is seized with the most
terrible fear Steele has ever witnessed.
Afterward, when he is alone, he realizes
that he loves her, but when Marcia
learns the truth she is furiously angry.
Now go on with the story:
Atlanta tri-weekly journal. [volume] (Atlanta, Ga.) 1920-19??, 1923-02-27
THE BREAKING POINT
BY mary ROBERTS RINEHART

ably, or he wouldn't be so clandestina
about it."
"Nina!"
wen, it looks like it, Jim's a man, moth
err. He's not a little boy. He'll go through
his shady period, like the rest"
There was an acrimonious argument be-
tween Jim and his father the next morning,
and Jim slammed out of the house leaving
chaos behind him. 1t was then that ELIZA
beth learned that her father was going away
He said:
MAYBE, I'm wrong, mother. I don't know.
Perhaps, when l come back, I'll look arounu
for car. | don't want him driven TO dolng~
underhanded things"
Are you going away" EHzabeth ASKED
surprised.
It appeared that he was More than that,
he was going with Dick. They had decided
on somewhere, yesterday. Dick was to have
told her that day.
That was the first time that she began
to find something out of the usual in her
engagement and she was greatly mystlt1ed,
Yet as Dick told her, it was simple enough.
Her father needed a rest, and besides, 1t
was right that he should know all about
Dicks life before he came to HaverIy
He's going to make me a present OF some-
thing very valuable, you know"
But she would not let him go on.
She adjusted herself to that, for she was
learning a great deal about accepting things
she did not understand but afterward when
Dick had gone, she fell to worrying about
Dick himself. Certainly he looked as though
he did not get enough sleep
Perhaps she was nervous, for she was al
| most irritable to Nina that afternoon. Nina
had wandered in to borrow hat, and hav-
! mig come to borrow, remained to pry.
Look here Elizabeth, l want to talk to
you Are you going to live in this this
hole all your life?"
"Hole nothing" Elizabeth said, 'hotly,
| "Realy Nina, do think you might be more
careful of what you say"
ooh, it's a dear old hole" Nina said neg
! ligently. But hole it is, nevertheless. Why
in the world mother doesn't manage her serv-
| ants-but no matter about that now, Eliza
beth, there's lot of talk about you and Dick
Livingstone, and it makes me furious. When
| l think that you have Wall1e Sayre by
lifting your finger"
and that l don't intend to lift my fin
ger" Elizabeth Interrupted.
Then you're a fool. And it is Dick Liv-
ingstone"
1T is Nina"
Nina's ambitious soul was narrowed.
THAT stodgy old house." she said, "and
two old people! A general homework girl,
and you cooking on her Thursdays out!
wish you JOY of it."
II wonder" Elizabeth said calmly, "wheth-
err it ever occurs to you that l may put love
above houses and servants? Or that my life
is my own, to live exactly as 1 please? Be-
cause that is what intend to do"
Nina rose angrily.
"ThaRks," she said, sarcastically. 'I wish
you joy of it," And went out, slammng the
door noisily behind her.
Then, with only day or so remaining
before Dicks departure, and Jims hand al
ready reaching for the shuttle, Elizabeth
found herself the object of certain unmis.
taxable advances from Mrs. Sayre herself
and that at rose luncheon at the house on
the hill.
Continued in Next Issue.)
Renew Your Subscription NOW. We
Cannot Supply Back Issues.
Atlanta tri-weekly journal. [volume] (Atlanta, Ga.) 1920-19??, 1923-02-27
GIRLS

GIRLS
BY BERTON BRALEY
kk~ iris amt the same as the girls
II m I knew"
The dOwager says, and signs.
'Those old-time maidens would never do
A thing that would cause surprise"
But she failed to recall, in a large degree,
Some things which she saw occur
Girls amt the same as they used to be,
And they never were!
KIN N EN- amt the same as the men
M of old"
AVA The old man said, with a
But he didn't know that the cave man
bold,
Had put up similar howl.
And they both were right in their sad,
decree,
To which we can still demur,
With, Men amt at all what they used
to be-
And they never were.
TINE past is ever golden time,
And the folks who're pretty well
past their prime
Are always aghast at Today!
And they're right, of course, as you plain
ly see,
In the judgments that aver,
But, Chimes amt what they used to be-"
And they never were!
Copyright, 1929
Atlanta tri-weekly journal. [volume] (Atlanta, Ga.) 1920-19??, 1923-02-27
NOTICE TO SUBSCRIBERS

The label used addressing your paper shows the
time subscription expires By renewing at least
two weeks before the date this label. insure
regular
In ordering paper changed. be your
old. well your address, If a route. please
give the route number.
We subscriptions 20 begin with back
numbers Remtances should be sent by postal order
registered mail.
Address ali orders and notices for this Department
THE TRI-WEEKLY JOURNAL. Atlanta. Ga.
Atlanta tri-weekly journal. [volume] (Atlanta, Ga.) 1920-19??, 1923-02-27
POINTED PARAGRAPHS

Nine times out of a possible ten wom-
ans Indignation will not bear close inspec-
ton.
Advertisements of get-rich-quick schemes
are doubly interesting to those who have
nothing to invest.