davidaulloa/AmericanStories huggingface dataset:
The Northwest enterprise. [volume] (Seattle, Wash.) 1931-1952, 1931-02-26
GblltcbSfrvices


Smith, 0rien Jeanes. Douglas Brown.
Charley Barber, Lee Lewis. Junior
Griffen. Fred James. Walter John
son. Douglas Simon. Richard Burn
side. Harry Walker, Manual Hele-
kunihi, Robert Blackwell. John Hele-
Aunihi. Charles Blackwell. Augustus
Washington, James Smith, Winfield
King, Joe Smith. William Black. Don
Lucas, Stanley Redmond. James
Chase, NJ. c. Chapman. Bremen
hing, Robert Williams. Buddy Meth
erly, Herman Martin, Ebert Evans,
Lauvaghn WEIGH. The club will be
present in a body. The evening ser
vice will begin at s p. m. The ad-
dress will be delivered by Rev John
r. Harris; solo by Miss Annie Chat
tiers; mixed quartet. MessrS. Clayton.
Brown, Sawyer, Harris.
The All-Star Musical and Radio
Party, given by the Progressive
Mems Club at Grace Church. on Fri
day evening, February p. promises
Il few novel features seldom found
in church entertainments.
The Grace Missionary Society is
preparing to serve an "old-fashioned
chicken dinner" at the church on Fri
6ay. March &. heoinninq at o'cloek
Unusual interest has been aroused
due to the fact that pastors of three
of the citv's leading churches have
announced the beginning Of revival
services two weeks prior to Easter
The churches are. Grace presbvte-
ian. First A. NJ f and Mt Zion
Baptist Meetings beoir SUNDAY
night March % st tho First A NJ Il
Church. Rev. Harris. onr nasfor
preachino the first four niphts COT.
tage PRAYER services will he con
Quoted bv the Rev J. Sterling
Moore dai1v Further details IN foi,
low
"Tbe Chnrcb With proor,r,n
Pbvll;. Whs,,,.v v w CO Nj,
JdeI e Ve,tnar exaort;va saorata,.v
@Tast Snndav +ho Thnrsdan ST.,
Chh hoJ nbaSuo W" 81 Vesn ,e'"s so ryi'"s
The Snndo" H. h;ah schooI a;rls
will no in choroo and tho snooI,or.
will ho I eona Eietcbar Arlona Staw
ART and Jamie Watson who win
sneat On the Cir, Reserve ""V ro w."
nont. u,h.t H. c;,l pasorvos aro
do;na al, n"o. H. aanrtrv and MI
II means 70 live tha CIR, Reserve
coda TIC nrssidort hos arranged a
verv nn;oua n,nsical nrooran
Tha pns;ross and Jndnstr;ai CirIs
devotod tha n,onth or Fehrnary to
tba stndv Of Negro uistorv A. tho
as+ n,aot;nm rosrn,a ofsthe n,ontb,s
~ 20, MOS Iod hu NJ nal oris
psaoLa RI Nth 90 Nah viii ha
H., u, o' Stndv Of , mus;c Miss pauline
Viii ona Mrs Alberta Walker viii
ha u,.e ot "mu 81 ,ha next meatino at
,,h;ol tha u;stor;c,1 Soc;ety will he
,.,,asts
III fo,low;na olassos ava offerad
p;l,la stndv sw;no;pg carving
R;ndI,, ra";stor as soon 40 noss;hIe
cmasts ~ tha "Y,, Ms woak Mrs
NJ Morshan M;ss fdau Stenhens
Mis- Flavor Milo Miss Gcnevievc
- fnnas nMd Mr., Callio Stenbens All
aV,, LIB havo haor worl.;ng at
o.af+s fon tha last two months and
have n M some verv interesting
th;rns
e., M r chvr,b Row Gen.
u No., ,+or THO Snndoy
The Northwest enterprise. [volume] (Seattle, Wash.) 1931-1952, 1931-02-26

auEEN OF sHEnN CHAPTER, No. X.
o. T. ~. meets second and fourth
Wednesday nights each month at
Masonic Hail. Twenty first Avenue
and Jefferson Street. Mrs Anna r
Bagley. w. M. 22l5 East Olive St.
phone East 1892 Mrs Beulah Dahl.
borg. secretary. $50 30th Ave N;
phone East $3.50. 8-2S-30
The Northwest enterprise. [volume] (Seattle, Wash.) 1931-1952, 1931-02-26

VT. RAINIER CHAPTER, No. l, o. T..
s., Seattie-Meets on first and third
Monday nights s o'clock, at Masonic
Hall, 21st Ave. and Il. jefferson st
Mrs. Dee Lusk,. w. NJ, 426h 2lst
Ave. Phone Prospect 1875; Mrs. Ag-
mes Il. Stokes, secretary, PTS Elm
wood Place. Phone Beacon 1891.
l-l-3l
The Daily Alaska empire., 1931-11-20
Welcome for All,
 Jobs for Natives

HONOLULU, Hawaii, Nov. 20.- Hawaii's traditional open-armed welcome for all newcomers is to be denied to job-hunting stowaways, according to strict policy voiced by business leaders here.
 News of the islands comparative freedom from the current depres- sion has been attracting several penniless adventurers in search of employment. Hawaiian hospitality though. cannot be stretched to the point of glad-handing those who are bringing their depression to the islands, local leaders point out. A strict adherence to the only fair policy of giving employment prefer ence to natives and local residents, they say, leaves the marine hitch hikers" stranded "on the beach,"
The Daily Alaska empire., 1931-11-20

PIANOS, Radios, Sewing Machines, Monographs, Expert Piano Tun- ing. Radio and photograph re-
 pairing. Anderson's Music Shoppe.
The Daily Alaska empire., 1931-11-20
Merchants Doing We'll
Will Is Scrubbed
 by Dying Suicide

PUEBLO, coo, Nov. 2o.-H. c. Whipple. forty, local insurance man, at scribbling notes instructing his widow how to dispose of his property as nUnoxide gas from an automobile exhaust gradually snuff fed out his life.
 The gas is hurting my eyes," was the last decipherable note to be found.
 The coroner pronounced Whip ple's death suicide. He is believed to have been in financial straits.
The Daily Alaska empire., 1931-11-20
TIDES TOMORROW
Cast Iron Paving Gets
 Test on English Street

LONDON, Nov. 20.-A read with surface of cast iron blocks is being experimensed with in Eng land in the hope that it will boom Britain's tagging iron industry and also help the depression.
 Heavy triangular metal sections have been imbedded in biturrlen on concrete in a short stretch of Romford Road, West Ham. The it1- ventor, Maj. F. G. Small, says that it is non-skid, cheaper than gram ite, silent for traffic, and can be laid swiftly. laE
 He got his idea from the man hole covers in city streets. T mo- ticed that there was only one thing on 8 roadway which never wore out" he explained, land that was the manhole cover"
The Daily Alaska empire., 1931-11-20
Marine News
 Steamer Movements
NORTHBOUND

. NOrthland scheduled to arrive . Northland in port. . Northwestern scheduled to ar- . rive at 7:30 tonight.
 . SCHEDULED SAuANGS . Norco scheduled to sail from
 . Seattle Nov. g, at g p. m. . Admiral Evans scheduled to
 . sail from Seattle November . "A, at 10 a. m. . Princess Norah scheduled to . sail from Vancouver Novem- . Der 26 at g p. m. . SOUTHBOUND 3AuNGs
 . Alameda scheduled south . bound November p. . LOCAL SAILNGS . Estebeth leaves every Saturday . night at 6 pm. for 5itka and . wayports. . Pacific leaves every Satur- . day at 10 am. for Peters- . burg, Fake and way ports. . . . . . oo . .
The Daily Alaska empire., 1931-11-20
BYRD GOING
 TO ANT ARCTIC
Plans Another Expedition to Little America Next
 Septem Der

BROCKTON, Mass, Nov. 20.- Rear Admiral Richard E. Byrd re- vealed today that he plans to re- turn to Little America next Sep tember. He recently sent word to his agent in Europe to find suit able ship for his forthcoming ex- petition.
 Byrd indicated an effort will be made to recover airplanes left behind on his last expedition.
 The object of the new trip is to further research and exploration
The Daily Alaska empire., 1931-11-20

USE the sauesricn Box at the Bible Chautauqua. --adv.
The Daily Alaska empire., 1931-11-20

Quartz and placer location r1o- tices at The Empire.
The Daily Alaska empire., 1931-11-20
RUBY RESIDENTS.
 LOOK FORW ARD. TO GOOD WINTER.
Five Outfits on Poorman Work on Pay and Mer-
 chants Do We'll

FAIRBANKS-"While Ruby it. self is not particularly active now everyone in the camp is working and looking forward to a good winter" Deputy United States Mar sinai Thomas H. Long declared on his, arrival from Ruby in Fair banks. He is further quoted by the Fairbanks News-Mnier, as follows
 At Poorman five outfits are working on the pay. Another out fit is going from Ruby to Trail Creek.
 On Poorman, proper, there arc three outfits. One is on Solomon Creek and another one is on Tim Der Creek.
 Solomon and Timber
 Harry Lohr an his partners are opreating on Solomon and Martin Deboris and his partners on Timber. On Poorman are Den ny Coyle, Baldo and Harry Jensen.
 "Knute Jerrold, Billy Aarons and Sennett have headed out for Trail Creek. ~
 More prospecting will be done on Beaver this Wineter. Pay has been found, helctkv the hole which caused so much excitement while back and there are hopes that a substantial paystreak will be locat- ed.
 Merchants Doing We'll
 "As far as tn etown of Ruby is concerned there is little going on but outfits are leaving all the timS and the merchants are all doing well.
 Radio reception is fine. There is no interference and we get sta- tions from all over the world.
 "Freighting from Ruby to Sa- latina is done by truck and from there by teams
The Daily Alaska empire., 1931-11-20
FOR SALE

FOR SALE - Booming house for sale, fourteen newly renovated
 steam heated rooms. Good loca-
 tion. Reasonable rental. Tele-
 phone 442 afternoons or evenings.
The Daily Alaska empire., 1931-11-20

GOLDEN GLOW" Christmas Cards, made by Winter & Pond.
The Daily Alaska empire., 1931-11-20
MISCELLANEOUS

LONESOME-JOIN Ohio's largest correspondence club. Members ev- anywhere. 150 ladies names, ad- dresses and descriptions $l.00. Qadies 50c). Give age and occu- patton with remittance. J. E. Donald, Box 825, Dayton, Ohio.
The Daily Alaska empire., 1931-11-20
VACUUM CLEANUP

ROUEN, France = Four mural paintings, whose existence had been forgotten, were uncovered when a twentieth century vacuum cleaner was applied to the walls of the twelfth centur cathedral here.
Imperial Valley press., 1931-10-29

3poe suite davenport and chairs stands small rugs
table
bed complete dresser blue enamel bed and dresser
breakfast table chairs electric
cke tables Ia chairs, leather
library
tables Coleman gasoline heater
leather washing machines,
PRACTICALLY NEW SPARK EXTRA
coon WESTINGHOUSE RANGE. PLAYER PIANO IN
coon CONDITION, EDISON PHoNoGRAPH AND RECORDS.
refrigerator
gallon gasoline
dishes and cooking utensils
Los Angeles and
everything sells
Imperial Valley press., 1931-10-29
QUAIL RAISING
VENTURE MADE
in EL CENTRIC

Quail raising in a big way is one
of the newest industries in Ell Cen
tro. the proposition being backed by
Robert Fox, Morton Cameron and
Heath Hovey.
After two weeks of intensive car
pentering and acquiring materials
from the several homesteadS of the
promoters, extensive and elaborate
Quail runs were constructed az The
rear of the Fox domicile on Len
Rey. The most particular and fas-
tidious of quails undoubtedly would
be flattered at the inyentation to
inhabit the quarters but so far only
two of the feathered ilk have signed
the lease.
A benevolent but unknown gen.
tleman presented the three budding
business men with a pair OF quail
and they are installed in the runs.
Parents of the three do not know
! lust what induced the man to part
with the birds but fear some pres
sure must have been used.
| Suggestions of parents that quail
eggs be obtained and introduced to
friendly hen for hatching, met
with scorn. The boys think the fu-
lures of the wild birds might BE-
! influenced by association with a
mere hen. "Quails should sit on
Imperial Valley press., 1931-10-29
HOLTVILLE NEWS BRIEFS

Mrs. Maude Hutchins Of Los Ange-
les.
Mr.. and Mrs. J. R. Snyder and
Mr.. and Mrs. J. K. Fahring spent
last Friday night in San Diego
Mr.. and Mrs. John ZenOs have
moved into their new home, which
was recently completed, on Holt
avenue.
The regular weekly meeting Of
the local Eastern Sta rsociety was
held at the civic center We'd
nesday evening.
Mrs. Sam Webb was the Holtville
representative at the Eastern Star
Grand chapter, which was held in
San Diego.
The Ladies Altar society gave a
card party at the local American
Legion hall last Thursday. Guests
from El Centro and CaleXico were
among those who attended. High
score was won by Mrs. I. H Shaw,
while second prize went to Mrs.
John Keye.
Roy Williams and Ronald Layton
attended the football game in E.
Centre Friday night between the
El Centro Junior College and the
Yuma High school.
The Woman's club held their reg
ular meeting last Friday at the civ
ic center. After disposing of their
regular routine business. a very in
teresting talk on Welfare" was
given by Mrs. F. II. Mitchell, who is
chairman of the welfare commit
tee Of the county.
Hue FoIlendore made a business
trip to Los Angeles Monday night.
He recently purchased three new
trucks for use in his trucking and
transfer business.
Several members of the Holtville
High school alumni went to Ell Cen
tro Monday night TO attend meet
ing between the El Centro and
Holtville alumni, who are associat-
ing in forming an independent foot
ball tom.
Imperial Valley press., 1931-10-29
all eggs. Not hens being the

quail eggs. Not hens" being the
consensus Of opinion.
The only fly in the ointment of
the proposition is the interest
neighborhood cats take in the two
birds. The cats cannot reach the
birds but the birds take no chances.
Every time a feline appears in the
vicinity great excitement prevails
in the pen. AS result two attrac-
i've topknots are no more.
As q means of eounteracting the
cat menace, the boys loaded their
guns with rock salt and planned to
mount guard in shifts throughout
the night. Parental objection in
tervened once again and the birds
have to worry through as best they
may.
There is some discussion as to
what will be done with the quail
after they get themselves hatch and
grown. One idea is to sell them
to butchers and make money and
the other is to release them and
thus provide hunters with more
quail to shoot at.
IN the meantime parents are
awaiting the next move with great
anxiety.
Imperial Valley press., 1931-10-29
Plea For Jail
Term Is Denied

Jack Mccoy, 43, was disappointed
this morning when Judge j. E.
Simpson sentenced him to 80 days
in the county Jail, and suspended
the sentence on condition he leave
town.
But Mccoy was not disappointed
because he was sentenced. What
disappointed him was that he was
not sentenced to six months in the
county jail, as he requested.
Charged with vagrancy, Mccoy
told Judge Simpson he has not
worked since last May. He formerly
used narcotics, he said, and of late
has heard voices, apparently in the
air. AT times these voices urge him
10 fight Mccoy said. He thought
six months in the county Jail would
give his head time to clear up.
But Judge Simpson could not see
the desirability Of a six months SEN
tence on a vagrancy charge, and
released Mccoy to leave town.
Imperial Valley press., 1931-10-29
Don't
Quote Me-
BY UNITED PRESS

WASHINGTON, Oct. %. U.P)-
It is the custom of the capital to
contemplate the arrival of fresh
members of congress, especially
freshmen representatives, with a
lack of enthusiasm surprising
! boredom. although real estate
dealers. sellers of home furnishings,
and, in some instances, the purvey-
ors of Illicit drinks. have vital in
terest in the new arrivals.
But there is a difference this
year. High and mighty gentlemen
Of many years service in the house
will welcome new members of their
respective parties with unaffected
guSto. Every vote counts in an
evenly divided house Of representa-
tiyeS.
Reports received in advance of
the congressional descent upon
Washington indicate the imminent
addition of several interesting per-
Sonalities. There is, for instance,
the young man from Nebraska who
said he would be damned if he
would recant opposition to prohibi-
ton Just to come to congress. The
young Malcolm Baldridge of the
Omaha Baldridges. And what the
Bildridges are TO Omaha, the As
tors and such are to New York.
BY and large, representatives are
not much socially here outside OF
the congressional society circuit it
self. But the representative of the
Baldridges may expect to Scuff the
carpets this winter in salons where
the average friend of the peee-e-e-
pull couldn't get past the first foot
man.
Malcolm Baldridge stacks up to
be just about as popular a new
conner to congress as we are likely
to have this season. There is back
of him a satisfactory tradition Of
athletics and such at Yale. He was
a classmate of F. Trubee Dawson,
Observation-Disclosures prominent
than most assistant secretaryS of
war.
There are three Baldridge chill
oren. Baldridge, pere, is Sc,
weighs $50 pounds and stands two
inches over six feet. At Yale he
put the shot and was collegiate
heavyweight wrestling champion.
Mrs. Baldridge is good looking,
politically able in her own right,
and an organizer in Nebraska of
that socially persuasive and politi-
cally adept women's organization
for national prohibition reform. the
social side of which has aroused
Mrs. Ella Boole of the w. C. T. U.
Imperial Valley press., 1931-10-29
BY BONNER WILLIAMS
Press staff CorreSpoudent

The 18th annual ball of the Holt
vile Volunteer Fire department will
be held at the Holtville Na.atorium
ballroom on Friday evening. October
80 at s o'clock. AL the money
taken in will be used for the bene-
fit of the fire department and a
large attendance is expected.
Congressman Phil Swing gave a
very inspiring talk on the Boulder
Dam and All-American project at
the regular luncheon 70 the local
Rotary club last Friday.
The Holtville Union High School
Vikings lost their first football game
of the season to Calexico on the
local high school field last Friday
afternoon by a score of 10 to 6. It
was a very interesting game and was
well attended by both Holtyille and
Calexico fans. Immediately pre-
ceding the football game, the local
girls indoor team defeated the CAL
exico team in a very close and eXcit-
ing game by a score Of 13 to p.
E. NJ. Carpenter spent the last
few days in this city. He is now 10
Gated on a ranch near Ramona.
Harry Hoke motored to Long
Beach last Saturday to attend the
Masonic ceremonial being held in
that city.
Lloyd Sewers. athletic coach at
the local high school, attended the
football game between Ell Centre
and Brawley at Brawley last Friday
evening.
r. w. Buck" Oakley, Of El Gen.
tro. was q visitor in this city last
Saturday.
Conn L. Aycock made a trip to
Whittier last week. He brought
back a new school bus recently pur-
chased by the local high school for
use in the transportation depart
ment.
Mr.. and Mrs. c. P. Denny and
daughters, Doris and Delma, spent
last weekend visiting in Los An
geles and vicinity.
Mrs. H. T. Jones entertained with
a luncheon at the Barbara Worth
Hotel In El Centro Monday, and
had as her guests Mrs. Gordon
Schneider, Mrs. John Keye, and
Mrs. Frank Taylor Of this city and
Imperial Valley press., 1931-10-29

ing his recall having been filed Sat-
urday morning.
Secretaries at the district offices
are busy checking the 267 names
in an effort to determine whether
or not there are sufficient names
to bring about a recall election.
Checking must be completed within
10 days of the date of filing.
Recall petitions filed against
Blair this summer were found to
have insufficient names and an
election was not called.
AS far as can be determined at
this time. c. o. Hoobsr of Calipa-
tria is the only candidate in the
field for election should Blair be
recalled. Petitions recommending
him as director are said to have
been in circulation for some time
Imperial Valley press., 1931-10-29

exico division and chairman Of the
board of directors.
Petitions are said to contain the
charge that Brockman is and has
consistently been out of harmony
with the best interests of the peo-
pie of the valley.
Another accusation said to be set
forth in the petitions is that
Brockman's efforts to block con-
struction of the All-American ca
nal are indications that he is tied
up with interests below the inter-
national boundary line and is work
ing for the good of Mexican ranch
ers instead of those of America.
w. o. Blair, director from the
Calipatria division, is in the thick
of a recall fight, petitions demand
Imperial Valley press., 1931-10-29
CHINESE WATCH TROUBLE

DETROIT, U.P)-As the war
clouds hang over their country, the
Chinese population here anXiously
scans the extras issued by Chinese
newspapers in San Francisco as fast
as they arrive. Scores pause before
a bulletin posted in the Chinese col
ony in the native script, which,
translated, means, we are ready
to go to war if we cannot get JUS
tice from the League of Nations"
Imperial Valley press., 1931-10-29
Injured Youth
Getting Better

Alfred EIDE. son of Mrs. Ben
Christian, is recovering rapidly from
a bullet wound in the head suf-
fered when he was accidentally
shot several weeks ago, Mrs. Chris
tian said yesterday afternoon.
EIDE, a former Annapolis student,
is able to walk again, and is i'm
proving rapidly in physical and
mental condition. He is at the home
of his parents in E. Centre. The
doctor in attendance is optimistic
ever his condition.
Imperial Valley press., 1931-10-29
RUMORS ASSERT
BR0CKMAN FACES
RECALL ATTEMPT

Brisk activity in the recall busi-
ness is in evidence in the valley as
opposing forces prepare for the
closing fight in the battle for the
construction of the All-American
canal.
Rumors are afloat that recall pc
titions are out against C. w. Brock
man, district director from the Call
Imperial Valley press., 1931-10-29
QUAKER CITY CHARITABLE

PHILADELPHIA, U.P)-Just to
show how many charitably inclined
persons there are in Philadelphia.
Alexander Silverman emptied his
pockets on the floor of the Girard
and Montgomery avenue police sta
ton, when he was arrested for
"panhandling.' The official count
by the house sergeant showed 1900
nennieS
Imperial Valley press., 1931-10-29
RETRIEVED OWN GAME

KNOXVILLE, Tenn, (U.P)-Gor-
don Powers fired his shotgun at
two birds directly overhead. One
fell into his open hand, the other
at his feet.
The Washington times., 1931-04-07

of the Columbia announcers into
one room, the life story Of each
was obtained. Then, by compil
ing the Gata and striking an
average T. was possible to dis
cover THE Composite Announce"
the embodiment of the charac.
teristics of all.
He :, rather handsome, this
composite announcer, with light
hair and blue eyes. He is slightly
under 90 years o. age, is five feet
eleven inckeS tall end weighs 1876
poun Is. His education consists
of three years of college train
ing. Before he became an an.
nouncer he had virtually no radio
experience. Only one-tenth part
of him had any, and that was
l. radio engineering.
The composite announcer has
varied background of theatri
The Washington times., 1931-04-07

cal training. He has appeared
in musical comedy, light opera,
concert, drama and night club
productions. other occupations
he tried before turning to radio
announcing include selling cos
metics, stocks and bonds, paint
ing, clerking in a bank, review.
ing books and plays, directing
amusements for hotels and night
clubs and serving as private sec.
retary to a Russian baroness.
Radio announcing was selected
by him as a career because he
believed his voice-trained on
the musical comedy, dramatic
and concert StageS-was perfect
ly suited for the work.
He is fond Of radio and has
no thought of leaving it. But he
intends, in time, to abandon an
The Washington times., 1931-04-07
CONTINUED from Page s.

CONTINUED from Page 81
bosses will give you an announcing
job: The seething sea ceaseth
and thus it sufficeth us" Well,
don't despair. Try it again!
Applications for positions as
radio announcers over the Colum
bia Broadcasting System pour
into the offices o. WABC, New
York, in the form of letters, tele
grams and telephone calls at the
rate of 1875 week.
The sapirants are of every age,
height, weight and walk of life.
Many of them seel- to learn the
primary requisites of 0ool radio
announcer; >thers. are quite posi-.
tive in their belief that they pos
sess in abundance every qualifica-
tion.
Well, what is demanded of a
radio announcer? Assembling 10
The Washington times., 1931-04-07

nouncing for post as a studio
executive.
That completes the story Of
the composite announcer, except
to explain that his story was OBJ
The Washington times., 1931-04-07
LATEST NEWS AND GOSSIP In WORLD OF RADIO

tanned from Ted Husing, Frank
knight, David Ross. Harry Won
Zell, Louis Dean, Don Ball, Tom
Breen, Andre Baruch, George
Beuchler and John Mavo.
The Washington times., 1931-04-07
QUICK FACTS

QUICK FACTS
Q l. Permanently noiseless,
o 2. &c day average operating
cost.
o 3. Automatic, but non-me-
chanical. No moving
parts.
. 4. Works continuously, no
stopping and starting.
5. Maintains constant, steady
cold.
o 6. Freezes plenty of ice cubes.
Q 7. Refrigerant Theoretically
sealed in rigid steel .
never needs renewal.
O 8. Dependable no ma
chinery to get out of order.
o 9. More than IA, 900 already in
10. Free lifetime service.
Oll. years to pay-no finance
charges.