davidaulloa/AmericanStories huggingface dataset:
Evening star. [volume] (Washington, D.C.) 1854-1972, 1957-02-25

You are now about to fill out
Line 10 on page one of your tax
form. To do so. as we mentioned
yesterday. you first must COM
plete page three.
Turn to page three. which be-
gins with a section on dividends.
If you received any dividends
on stock in 1856. you report
them in Schedule A at the top
of page three. If your dividends
exceeded $50. you must also turn
to page four of your tax form
and fill out Schedule j. 1t is in
Schedule j that you will be able
to get a special credit which will
reduce your actual taxes.
QUESTION: Are my dividends
taxable like other income?
ANSWER: No. The tax law
gives you two special benefits
if you received dividends. The
first $50 of dividends is COM
pletely tax-free. This applies to
both a husband and wife
whether on a separate or joint
return so that each one may
receive up to $50 of dividends
tax-free.
Exclusions Explained
Second. any dividends over the
$50 excluded amounts are en-
titled to a special credit COM
puted on Schedule J. page four
You may reduce your actual
tax by an amount equal to AZ
of your dividends over the $50
exclusions. This credit, however
can't exceed Az Of your taxable
income in 1856.
QUESTION: I received $50 of
dividends on my stock in 1856.
Although my exclusion is only
$50, will my wife's $50 exclusion
cover the other $50 Of dividends?
ANSWER: That depends on
how you own the stock. If it is
in your own name, you can use
only your own $50 exclusion. and
the other $50 Of dividends will
be entitled to the dividend credit.
But If you own the stock in the
Joint names of yourself and
your wife, the entire $50 will be
excluded. Each Of you will then
be considered entitled to $40 OF
the $50 Of dividends and each OF
you will have your $40 covered
by your own $50 exclusion.
There is an exception to these
rules If you live in a community
property State. There, even II
you own the shares in your own
name, the dividends will be con-
sidered to belong $40 to you anc
$40 to your wife just as though
you owned the stock in joint
names.
Example Offered
QUESTION: My wife and
received $400 in dividends or
stock we owned jointly. How de
we figure our tax on these div
idends?
ANSWER: Since your stock /!
Jointly owned. each Of you car
use your $50 exclusion against
5000. Thus, between you, tn,
first 500 Of dividends is com
pletely exempt. The next $30I
OF dividends is brought over Il
Schedule J on page 4 OF Form
1040 for purposes of computing
the AZ credit. Your 40 credi
on $500 Of dividends is $l2. Yol
can now reduce your actual tai
by $l2. Remember that this 81,
is not a mere deduction in arriv
ing at taxable income; 1t is
direct reduction Of your tax.
QUESTION. What about tn
dividends I have received from
my mutual life insurance com
Evening star. [volume] (Washington, D.C.) 1854-1972, 1957-02-25
ODD-LOT DEALINGS

NEW YORK. Feb. 25 R.--The New
York stock Exchsnse reported today
these odd-lot Transactions by principal
dealers on the exchange February 81.
Purchases Of 21s.255 shares: sales Of
156.s5s shares including 1859 shares
Evening star. [volume] (Washington, D.C.) 1854-1972, 1957-02-25
'' ~ BUSINESS
United Air|ines Files
Plans to Expand Service
By HAROLD B. RoGERs

United Anes today filed with the Civil Aeronautics Board
several requests for Of its service including the addition
of Columbus and Dayton Ohio to its coastocoast
including Washington.
Major deficiencies in the present between this city and
the Ohio places would be corrected the additional
Evening star. [volume] (Washington, D.C.) 1854-1972, 1957-02-25
Bank W0men's Club
To Mark Both Anniversary
National Permanent Plans
Change of Firms Name

The Bank Women's Club of
Washington plans to celebrate its
30th anniversary tonight with a
dinner at Tilden Gardens. Prin-
cipal speaker will be DR.. Myrtle
Cheney Murdoch, wife of former
Representative Murdoch, Demo-
icrat. of Utah.
Ten new members will be &C.
cepted. with the club president
Mrs. Margaret Francis, of Subur-
ban Trust Co.. presiding.
The new members are: Mrs.
Evelyn Minard and Mrs. Vir-
ginia Burgess Of Anacostia Ma
tional Bank. Mrs. Polly Holtz-
claw and Mrs. Margaret NJ. Cox
of National Bank sof Washing
ton. Mrs. Frances Earnshaw and
Miss Joan Whalen of Suburban
Evening star. [volume] (Washington, D.C.) 1854-1972, 1957-02-25
MUTUAL FUNDS

NEW YORK. Feb. IS 1R.--National
Association OF Securities Dealers, Inc;
Moon ouotstions)
The Catholic times. [volume] (Columbus, Ohio) 1951-current, 1957-11-08
FROM EAST TO E

The Gospel must be preached by men like JOSEPH In India and
and VLADIMIR In Rome. These two lads will do that some day as
a missionary. we hope. But today, we're worried about supporting
them t$100 a year, during their six years training. Can you help
one by sending us this yearly sum in any installments?
The Catholic times. [volume] (Columbus, Ohio) 1951-current, 1957-11-08
SCENERY, EQUIPMENT

seheli Scenic Studio - for Schools
Churches. Drapsrfes, scenery and
Rentals. SCI s. High 81. CA. 1887
The Catholic times. [volume] (Columbus, Ohio) 1951-current, 1957-11-08
STEEL STAIR

Buckeye Wire & Iron Co. Ornamental
Iron, Wide Guards, Fire Escapes. ess
y. goth St r @. Jenkins. Pres
CL- z-6e54
The Catholic times. [volume] (Columbus, Ohio) 1951-current, 1957-11-08
SILENT GUEST

Why not invite Our Lord to join in your
Turkey Day dinner? Invite Him TODAY by
sending the cost of a FOODPACK tS10). TIN
feed a REFUGEE family for a week. On Thanks
giving set a place for Him at your table. What
you give His poor, you give Him. You'll be hap
py both then and now. In thanks we'll send .
ROSARY FROM THE HOLY LAND.
The Catholic times. [volume] (Columbus, Ohio) 1951-current, 1957-11-08
THE HAND OF GOD

1t was Enthusiastically evident the day
the earthquake struck Meharbieh, near
Sidon in Lebanon. Along with most
buildings. st. George Church was de-
molished, all the furnishings and sacred
vessels ruined. Miracul0usly the ciborium
with the Blessed Sacrament escaped
damage. The parish Of 200 Melkite Rite
Catholics have been without 4 church
more than q year. As pool farmers Of
rocky mountainous land, they can't re-
build it without help. The pastor begs
the Holy Father for $4,000 for supplies.
The Catholic times. [volume] (Columbus, Ohio) 1951-current, 1957-11-08

WASHED SAND AND GRAVEL
Sank Run orsvsl. ror Soil, siu Dir
nvIsdozins. ccLvtN. ~. 5000.
The Catholic times. [volume] (Columbus, Ohio) 1951-current, 1957-11-08
DON'T WAIT FOR OTHERS

Maybe you're blessed with loyal and de-
voted friends and relatives who will remem-
Der your soul with Masses and prayers. Then,
maybe they'll 60 before you. Make sure NOW
by arranging 1t yourself. Inquire about our
SUSPENSE CARD. The Masses will be said
within 4 few weeks. No waiting for your will
to be cleared By the courts.
The Catholic times. [volume] (Columbus, Ohio) 1951-current, 1957-11-08
STANLEY

Almost as young as st. Stanislaus, SISTER STANLEY In Leba-
non Is fired with his love to serve God. But her poor family are I'M
able to help with the cost of her training $3.50 yearly for two
years.. Can you adopt" her by sending us this yearly sum; any
way you like. Then, there are Sisters Felix, John, Mary Immacu-
late and Bellarmine in India. and Sister Madeleine of Mt. Carmel,
in Egypt y
The Catholic times. [volume] (Columbus, Ohio) 1951-current, 1957-11-08
v TOO YOUNG

Nc, you're never too young to make your will. Protect your loved
ones against unforeseen disaster. Many an unfortunate dependent
endures great hardship during legal strnes which a will could have
prevented. Get good legal advice when you do. It's never too soon;
you can always change it. Make God q partner in yours.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1957-12-14

easier money chat is. more
money available at lower inter.
est costs will make FILA loans
increasingly attractive in rela-
ton to other investment out
let's having maximum security.
Easier Money Policy
Ever since the Federal Re-
serve Boards switch TO an
easier money policy. Govern
ment bonds have been rising
IN price and the effective in
terest return has been de-
clininE
This trend. which is expected
TO continue, is viewed as one
bound eventually 10 be reflected
in mortgage interest returns.
first in respect to discounts
and. secondly. N respect to the
actual rates. The trend towards
easier money could. however.
be reversed by economic factors
and Federal Reserve Board
action.
In view Of the overall condi-
ton Of the economy at present.
and Of the indications for the
next six months. at least. many
observers believe that require
ments will demand still further
easing of the money supply
rather than another period Of
stringency.
Considering these prospects.
FILA feels justified in prepar-
ing itself for a banner 1858.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1957-12-14
THE EARLY DAYS IN OLD VIRGINIA

fault was 1890. for a total of
.$l0.7S2.509. The average claim
paid under the guarantee is
$74i, but further recovery I'M
der the defaulted loans is ex-
pected.
on mortgages. When the Fed
eral Reserve Board lowered the
redlscount rate. the easier
money trend was accelerated.
FILA Rate Increased
Meanwhile the attractiveness
of FLA loans had been in
creased when. in August. FILA
raised the allowable interest
rate on its insured loans from
the old rate of 5 per cent to the
new rate Of 5l4 per cent.
Another factor. too. that pre-
sumably had a favorable bear
ing on the popularity Of FLA
loans was the virtual death
sentence pronounced on VA
loans IN August. when IMPOSE
ton of discount controls cut
lending on Al per cent VA
mortgages TO a trickle.
Investors who wanted the
security OF Government back
ing on mortgages could find II
at far better terms on FLA
mortgages than on those guar
anteed by VA. Therefore, they
began to turn TO FILA in a
hurry.
Behind the prospects for
greatly increased FLA activity
next year IS the expectation
that the present trend towards
Evening star. [volume] (Washington, D.C.) 1854-1972, 1957-12-14

specialist: Ira L. Smith. direc-
tor Of publications. and George
Matthew. motion picture sec
ton director assigned TO
comparable jobs In CAA In
Washington but not in its Of
fice Of public information.
Mr.. Willis. who received a
formal 30-day notice Deem
Der 8 that his job had been
abolished. was recently hon.
ored for his work in the CAA.
Mr.. Willis said he received a
Commerce Department special
service award. plus a $3.50
check. on November II for zap
probation of distinguished
service in performance Of Of
fetal duties" He said the GER
tificate was signed by Mr..
Pyle.
Mr.. Smith. 1t was reported.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1957-12-14

had elected TO retire from
Government service subse-
Quent TO announcement OF the
changes. There was no i'm
mediate comment from MIR.
Nathan.
Mr.. Planck was honored In
1854 by Secretary Of Commerce
Weeks and received a silver
medal. plus a citation for his
extremely competent per-
Torrance Of ofiicial duties for
many years in the informa-
ton program of the CAA and
for contributions OF unusual
value In air safety education. "
Evening star. [volume] (Washington, D.C.) 1854-1972, 1957-12-14

were the changes effective In
mid-January:
Raymond w. Nathan. direc-
tor Of information. offered
transfer to Kansas City at
$500 reduction in annual pay.
Turned down transfer and re-
signed.
Charles e. Planck. assistant
director OF information. ac-
cepted transfer to Anchorage.
Alaska. where he will open first
CAA regional Office there.
Levings s Willis. informa-
ton specialist. Job abolished.
Gladys Piez. information
Evening star. [volume] (Washington, D.C.) 1854-1972, 1957-12-14
COMPANY TESTS
PAYROLL EFFECT
WITH 81 BILLS

MORGANTOWN. w. Va,
Dec. IA R.--Local mer-
chants braced themselves
today for a food OF 81 bills.
Sterling Faucet Co. paid
all OF its more than 1000
employees with the bills as
a stunt designed TO test the
Importance of industrial
payrolls In the community.
Sterling. manufacturer OF
plum bling supplies and
bathroom fixtures. usually
meets its semimonthly
payroll with checks.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1957-12-14

community, One veteran OBJ
tanned a loan and bought an
interest in a bank: now he owns
the bank.
Five young doctors completed
their internshipS. They got
loans for equipment and set up
q clinic Their joint practice
is now described as fantastic in
size.
Maximum Guarantee $4,000
The VA itself does not lend
the money TO veterans. but il
guarantees up TO so per cent of
a loan made by a bank at a.
per cent interest. The maxi
mum OF the guarantee is $4,000
where real estate is part of the
Evening star. [volume] (Washington, D.C.) 1854-1972, 1957-12-14
LEWIS

Continued From Page B-l
OF mortgage amount. Is per
cent on any part between So
600 and $4,000 and 80 per cent
on any amount between $4,000
and the statutory maximum OF
$4,000
A number Of influences are
behind the new allure OF FHA-
insured mortgages.
For awhile in recent years
the security given lenders
through such Government aid
went begins.
Many lenders were able to
put their available money to
work in conventional loans at
Evening star. [volume] (Washington, D.C.) 1854-1972, 1957-12-14

interest rates higher than FLA
allowed.
Lenders relied for security on
the larger down payments re-
CURED and tougher screening
OF applications. They were able
to do this because the supply Of
money was relatively tight as a
result Of the Federal Reserve
Boards application Of ever
increasing credit strinsency.
The situation is now begin
ming TO change perceptibly
since the Federal Reserve
Boards recent policy shift.
Even before the board low
cred the rediscount rate from
81 TO 3 per cent demand for
money was slackening. thus
making II a bit easier to borrow
Evening star. [volume] (Washington, D.C.) 1854-1972, 1957-12-14

security. Otherwise II is 81. 900.
AT the end OF October. the
total Of all loans 10 World War
II and Korean war veterans
numbered 230.457 for a total
amount OF S636.634.l56. The
amount OF the guarantees was
$lS5 .032.225. The average loan
made was S2.762 and the aver
age guarantee was s803.
OF the loans made. l98.0l0
have been paid back in fun for
a total OF S49l .9l0.934. This
comes TO an average of s2,4S4
per loan.
The number OF loans in de-
Evening star. [volume] (Washington, D.C.) 1854-1972, 1957-12-14
Shokeup Hits CAAs
information Stoff

major shakeup In the public information Office Of the
Civil Aeronautics Administration disclosed
James Pyle the CAA administrator ordered a series Of
changes spokesman said because felt have
been greater effort toward presenting CAA activities the
public
Preble Saver acting director Of information
Evening star. [volume] (Washington, D.C.) 1854-1972, 1957-12-14
Business Loan Phase
OF 81 Bill Hits Low

Loans themselves up business have
declined about a tricke
The Office handling such loans here has not been called
on 10 guarantee such loan in the past two years
But the Veterans Administration has collected
ling stories resulting from that phase Of the Gil Bill
There the four brothers who pooled their loan
bought truck and the biggest trucking their
The Supai weekly news., 1957-05-23
Ft. Anacne Students Home

Tomorrow, Friday, May oath,
the YOUNGSTERS from the Theo-
dore Roosevelt Boarding school
will bf at Hilltop about 5 ? M.
people. There will be lots Of
boys and girls coming home and
we ere all anxious to see hem.
Nr.- -Bobo Will be Here
Superintendent Bobo, of VEL
entinne, Arrizona, Plays to be in
come down for the Tribal Coun-
Gil Meeting.
Mr.. Chambe and Mr. Collins are
happy because their radi she's and
turnips ere up. MRS. Collins
is glad to sec her zinnias CON-
ing up.
Mrs. Chembers reports that the
family cat he's one new baby
XII ttGno It has been named Mono.
Fraz1er Ppya did his daily good
deed the other day. we won't
tell his secret but We think he
did some thing very, very fine.
The Store has some more tomato
plants for sale. Come in end
buy some today.
ALI this rain is making the
gardens grow very fast. tt is
also making US put on extra
covers at nj ght.
A movie is supposed to come in
Fridey's mail-Wa tch for the
annOunc ement.
Peanuts is back in the Valley:
Delmer is happy to have him back.
Flynn Natahom gle says his fans
lily will be; coming down to live
here this summer. He has hen
very busy doing planting etc.
Ny. Paul T11ousi went to town
aPatn this We ok. He sure Likes
to travel.
sa6 5a6k ss2d 22drlsgg g1{ne {oHes Il u8t St oq noqo
just saw Supai Shorty and BettY
Montoya drying apricots out in'9
the rain." s.
The Supai weekly news., 1957-05-23
Paee z, Supai News, Nay q, 1857

Stan Griffin, Of Phoenix, AriZ0ns
h1ked down Sunday end ceIaped by
the waterfalls for few days.
z gsndsa az tsSs ssS es2R$s s2 q 5S s9' s3S s3Ss
bro gt the calves down in the
afternoon. Bert jones, Jack j.,
Charlie WescO Ogame, Eddie Hamid
dreek, Alcin wat afOmi gle, Ray
mond Putc soy, end others came
home from llOCui Tank and they
DID some branding.
MRS. Elva wa tahom1 e1e and little
Peach Sprftngs last Friday.
Mark Hanna went to town Nay l4th
end bought some new shoes. He
came home May II and on the way
down the Treil he slipped and
fell on the rocks 9nd hurt his
thumb.
Mrs. Mack Putesoy, Rooella Sim
yella, and Ned PutC soy all went
up to the Grand Canyon Sunday.
NED entered the H0spi tai there.
Mr.. Collins ard Jack (Curley)
Jones went to town Sunday after
Church. They came home in z
storm tuesday afternoon.
The Republican. [volume] (Oakland, Md.) 1877-current, 1957-12-26
Red Oak-Fairview

Pastor Eugene Matthews read
the Scripture for the Christmas
worship service at FairvieW Sun
day morning. The message, by
What are We to be Judged" was
brought by Darwin Cooper, Of
Mansfield, o. Mr. Cooper spent
the weekend with his grandmother,
Mrs. Blanche Cooper, returning to
his home on Sunday Attendance
was So.
Mrs. Ernest Cullers' Child Evan
gelism class presented a Christ
mas program Sunday morning dur
ing the regular Sunday School
hour. This class meets at the home
of Mr. and Mrs Ernest Cullers
every Wednesday evening after
school hours. All children Of the
communities of Wilson, FairvieW
and Red Oak are welcome to at
tend the class. The program was
presented last Thursday in the
Cullers home with parents of the
children attending.
The Pine Grove Church Of the
Brethren will present its Christ
mas program at FairvieW on De-
cember Is at 1880 p. m.
Mr.. and Mrs. Warren DelSignore
and daughter, Janet, we're shop
ping in Cumberland last Saturday
and visited with the John Del
The Republican. [volume] (Oakland, Md.) 1877-current, 1957-12-26

THURSDAY, DECEMBER 26, 1857
The Republican. [volume] (Oakland, Md.) 1877-current, 1957-12-26
One Man Looks
At God
(By Charles w. Carlson, Pastor,
st. Marks Evangelical Lutheran
Church, Oakland Maryland.)

At this season of the "Prince of
Peace" it would do us well to look
into the efforts of man to secure
way of peace. We have heard
much in recent days of the efforts
of NATO to secure a peaceful life
for the nations of Western Europe,
and the U. S. and Canada. What
seemed so strange to me was the
fact that all of the practical re-
suits CT the effort at peace" that
were made at this conference
sounded very much like prepare
tions for war. Perhaps | do not
understand the ways and means of
good international government, but
it has always seemed a strange
The Republican. [volume] (Oakland, Md.) 1877-current, 1957-12-26

guests of Mr.. and Mrs. Monroe Sis
Ter.
Misses Helen and Jean Cum
mings are home from Frostburg
State Teachers college for the holt
day season.
The Corunna All club held its
Christmas party Tuesday evening,
at the home of Mr. and Mrs. Wal
ter Cooper.
Mr.. and Mrs. Albert Fulk and
daughter, Kathy of Washington,
are weekend guests of Mr.. and
Mrs. Ernest Cullers.
Mr. and Mrs. Willis Dixon and
son, Stephen, visited Mr.. and Mrs.
Walter Cooper and family Tues
day evening.
Mr. and Mrs. Edwin Childs spent
Sunday with her mother, Mrs. Lucy
Burke, of near Kingwood.
Mr. and Mrs. Stanley Weese and
children, Diane and Phillip, Wis
tied her parents, Mr. and Mrs.
James Childs, Monday evening.
Mrs. George Stanya and Mrs.
Carmen DelSignore visited in FL
kins on Saturday. Mrs. Mary Pas
kay returned with them to spend
the holidays with Mr., and Mrs
Paul DelSignore.
/ Mr.. and Mrs. William Dittinger,
Carl, and Mr.. and Mrs. Harold
Bittinger spent last Sunday visit
ing MIS-. Ora Slaubaugh, at the
home of Mr.. and Mrs Melvin
Slaubaugh in Kingwood.
Mrs. Flo Gnegy and Mr.. and Mrs
Edwin Childs spent last Saturday
with his parents, Mr.. and Mrs
Frank Childs, who have been very
i'll. They are some better at this
time.
The Frank Blambles visited the
William Bittingers Saturday eve
ming.
Herman Shaffer, of Brookside
visited his sister, Mrs. Florence
Sisler, one day last week.
Mr.. and Mrs. Ray Harvey and
Rosetta Harvey visited the Stanley
The Republican. [volume] (Oakland, Md.) 1877-current, 1957-12-26

decorations had everything look
ing nice with the Christmas theme.
The party ended with the singing
of a number of carols.
Christmas Program Held
The school held its Christmas
program Thursday evening, Deem
Der 10. Each grade had part.
Mrs. Walker led the Glee Club
The program included the Christ
mas Story, Grade 4; The Christmas
Tree, a play, Grade l; A Carol for
Christmas Eve, grade 2; A Christ
mas Song, Grade 2; Christmas
Songs from Other Lands, Grade
4; The Meaning of Christmas SYM
bols, Grade 3; JOY to the World,
the entire group.
Mr.. Secrist Is III
Virgil E. Secrist, teacher of the
fourth and fifth grades, suffered
heart attack early Saturday
morning, December 7, at his home
near Maysville, w. Va.
He is now in the Memorial hos
pital in Cumberland and it seems
doubtful that he will be back in
school this year.
The students and faculty wish
him a speedy recovery.
The Republican. [volume] (Oakland, Md.) 1877-current, 1957-12-26

Turkey is a favorite holiday
treat, so be sure your bird is tailor
made to fit your family's holiday
appetites and plans.
Birds are plentiful at this time
Of year and most stores are stock
ed with birds ranging from 6-pound
hens to 27-pound toms. A young
turkey weighing between 4 and 6
pounds Is ideal for a small family.
For a slightly larger number. a
young hen or tom weighing from
10 to Is pounds will provide ample
servings.
Allow at least one pound Of I'M
cooked bird per serving. II you
plan two dinner parties, it's wise
to buy a larger bird, cut 1t In half
and store half In a locker or home
freezer.
Select your bird carefully. A
tender, juicy bird viii have plenty
Of finish, or fat. This fat is most
noticeable In the feather tracts,
but should cover the entire bird.
The best turkey has moderate
depth and a weIl-heshed breast
carrying well back between the
legs A broad back and short drum
sticks also mean more meat per
pound.
A well-heshed bird has broad,
fat breast and enough heshing
over the back. legs and thighs to
make all parts Of the dressed bird
blend together. with no prominent
bones.
The Republican. [volume] (Oakland, Md.) 1877-current, 1957-12-26

seasons.
This city has lost a number of
small industries, while the other
has gained several.
Perhaps mountain water does
make the difference sometimes.
Chemicals purify water, but do not
remove the tastes and odors
Which kind of water do the peo-
pie of Oakland prefer? THE
waters of Mara" or the waters
of Meribah?" Perhaps we need a
Moses here.)
The logical source of water for
Oakland is the west face of Back
bone mountain. No finer water can
be had, and the supply is unlimited
and never-failing.
The cost of a pipelines would be
largely offset by the difference in
land values. Mt. Lake Park will
soon need a new line. How much
additional would it cost to lay a
somewhat larger line, and extend
it to Oakland?
Pure, sparkling mountain water
can be one of our greatest assets.
SWampy-taSting water will not help
to attract industry If the proposed
reservoirs are built here in the
glades, the water will be far from
pleasing. There will also be a huge
bill for reforesting and patrolling.
Long-range planning has paid
big dividends in the case of our
schools and hospital If we bring
in water from mountain reservoirs,
we will never have cause to re-
greet it, Make your choice known
before it is too late. AS taxpayer
and water-consumer you will have
to pay the bill.
Yours truly,
Ernest G. Gnegy