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ISSUES LETl'ER j 10 FIRE AGENTS; McM VSTKR UiUE* THEM TO BECOME HltOkEttS Insurance ('oniiiiifcsioiier Saw ><> Sitfns oi' Yiiuiktheness by Ccmi paiiy Officers. Fitz Hugh iv.cMastei\ insurance commisssioner, lias addressed a circular ieiter to fire insurance agents in South Carolina urg-n^ tiiem to make connections wttn tueir companies unuer the iusui mi-x. brokers act. Tho letter also contains a brief explanation oi the broKcis' act. It is as follows: "On my recent visit to New York i could discover no evidence whatever oi any viudictiveness on the part oi tiio oiiicers of the'insurance companies whom I visited. L'nless there be some such feeling and an intent to I unish South Carolina?the innocent with, the guilty?1 .can see no reason vhy ihe responsible agent who has won the confidence cf his companies by i.air dealing and; careful {selection of risks should not continue to do business with the same companies -n^der the brokers.' act.. ? 1 tho fnmivinioe n r>r?ntin ST i 1 I1UUCU, tug Wili UVVVJ(/VA?*Q bufc iness under this act will be in bejtter position than they have ever been before. They will be operating under the laws of their own State, bojund only by such laws and by their consciences. Tin other words, if you take 'a brokers' license, you will then tfe repicsenting the assured and you will be dealing with your company which - * i.U ~ ~ r.as now Ai-narawii irom tut: oiate, I'd subject to ei.y of the laws of the ^iate and boiind only, by its, own policy coi tract ib-. ie<; in accordance with the laws of its own State. "The brokers' <\ct carefully proidos or t;ie inspection of !isks, indor>emonu on policies and adjust' mcr'f rf 1 he company will > o frpe from all license fees and taxes :.i this State, and therefore it would e uiilun its Dower even to alloy; you a little excess comraisssion over that heretofore allowed. "You as the licensed broker must j.ay -? per (.em, vn wc giuss ju-itmiums written in the policy. Whether this she: M ccme out of the commission w":*cli was allowed you or out of the rssi'red for whom you place the insurance would be a matter of arroi.'-.-Lieru or you. As you know, any resident of this State who has fce .1 a licensed insurance agent for two years may be licensed as an insurance brokerto represent the assured. The other conditions for lico..- will be furnished you upon application. i "I suggest your taking this up with' such companies as you have served faithfully and well, and it would seem to me that for your relief as well as' for the advantageous conditions un-' der which they could issue insurance you should be able to place a large part of the insurance which you have heretofore placed "\vitn sucn companies.'* j ?j? INSURANCE PROBLEM INTERESTS >IA>M>G i i Governor is Gathering Data?Said to; Unra U Ann A ?' I /I I Jivfinonf \ A HUT ti vpL vi au^uaiiuvaai 41 v Extra Session. I The 'State. j 1 Gov. banning is said to be gather-1 ing information quietly and carefully from both sides in regard to the fire insurance situation and to be endeavoring to work out a solution on a business -basis. It is intimated that fie has some hope of bringing about a satisfactory adjustment of the whole . . 1 matter within the next 30 clays. Replying to a prominent business man of Sumter, who had asked for his views, especially in respect of1 armers', mutuals. Gov. Manning wrote yesterday as follows: "I am in receipt of yours of the 23rd, advising me of a citizens' meeting to be held on Saturday, the 25th,' for the purpose of organizing a mu-; tual fire insurance association. "I am giving f;e matter of fire in-! -x 1-^1 il I surance a great ueai o: muusut a.uu j study. I would not consider for a mo- j ment the surrender by the State to | any individual or corporation. Xeith- j er would I favor the State using un- j fair methods in dealing with individ-1 uals or corporations. It is necessary, therefore, that great care and judgment be exercised in working out a solution of the situation in which, the j insurance business in the State is placed. >o Extra Session >'ow. "I see no necessity nor advisability r *? ~_/> 4-"U ~ lor a special sessivu oi me legiswiure , at this time, nor am I considering ! making such a call. "Insurance rates are supposed to be based on average losses and necessary j expenses incident to the conduct ot I * the business. The old line stock tire j insurance companies must use these j averages as a basis from which rates ! are made. Mutual insurance com| panics, l. properly conducted, sliould i furnish safe protection at a minimum i .... fU.SL. "It is my judgment that the present 'is an opportune time for the formation of mutuals for the purpose of handling farm business. In the orj ganiz.'tion of these companies, or mutual protective associations, great care should be taken that every possible sa. eguard should be thrown around their management . Provision should be made for the advance collection of estimated assessments, risks should be pr< j-.erly inspected and classified ac cording to hazard. liability should be. js nearly as practicable, equally distributed over the county or counties, the management placed in the hands of competent men with good business ability who are interested in tlie success of the enterprise, eliminate all sentiment and operate on a business basis? with a minimum expense. Room for tfutuuls. "The fire insurance field in Soy.h Carolina is large enough for mutuals as well as the slock companies, and I can see no reason why both should not prosper. If the stock comapnies j should resume business in this State, then the mutuals might, as a protection against disaster from conflagra+ rn!ncnr"in/>o r>nn t r Q ft C witil lll/li, L J tlUCUi UliV^ V.V/4.A n ??*. v. ? -w*. , the larger stock companies. 'The business of fire insurance presents many problems that require | care.'ul thought and study. Of course ! experts are in better position to han die these problems? than are amateurs, but I feel that plain sommon sense and good business judgment will make ! of an enterprise of this kind a success. "We have reached the point where ' something definite must be done. We 1 have heard enough talk. W'e must <i - A-? T i? A 3 , j.: ? ? i nave acuoii. m iue present uuumuuu we must help ourselves and we should get busy and do so at once. I "My duties are purely executive. Under the constitution I have neither legislative nor judicial powers. It is not my duty as governor, to enact nQr ctriio tlio low Hnf tn rHropf thp WilOU UV/ Vli V 1U> ?? # W U ^ VV/ V4? 4 vvc V?*v? enforcement of those laws enacted by I the people through their representatives, the members of the general assembly, under such construction as may be determined by the judicial department. T shall act in this matter j with due regard to the interests of all j the people. "I sincerely trust you may be sue cessful in the organization and operation of the mutual association or company to which you re er. Others* in this nnd other States have been successful. Why not yours? "1 wish you and those working with , yen good luck." DOST NEGLECT KIDNEYS. Swamp-Hoot, Dr. Kilmer's Prescription, Overcomes Kidney Trouble. j It is now conceded by physicians that the kidneys should have more at tention, as they control the other or- j gans to a remarkable degree and do a tremendous amount of work in re- j moving the poisons and waste matter! from the system by filtering the blood. The kidneys should receive some as- I sistance when needed. We take less exercise, drink less water and often eat nrore rich, heavy "ood, thereby forcing the kidneys to do more work than nature intended. Evidence of kidney trouble, such as lame back, annoying bladder troubles, smarting or burning, brickdust or sediment, sal low 'complexion, rheumatism, maybe weak or irregular heart action, warns you that your kidneys require help immediately to avoid more serious trouble. An ideal herbal Compound that has had most remarkable success as a kid ney and bladder remedy is Dr. Kilmer's Swamp-Root. There is nothing else like it. It is Dr. Kilmer's pre- J seription used in private practice and it is sure to benefit you. Get a bottle from your druggist. However, if you wish first to test this great preparation send ten cents t ~ TW Vilmor r<r\ Rinorhomntnn V IU I'i. ivmiiVi Ok. V. \-r-, * . Y., for a sample bottle. When writing be sure and mention The Herald and News. CHICHESTER 8 PILLS THE DIAMOND BRAND. yy?A Ladle* 1 jourUrnc|!!itfor A\ ? fs Ch!-che*-ters Diamond ?rand/y\\ rtlk in Red and Gold m?ullic\Y/ 'gv ?with B'ue Ribbon. Vf' 4? mm TuUi no other. But of roup V i'J ~~ 7/f AskforClrt.t irks.TKR8 ! { ta <:KA?U PIU^forSQ \C ff yeark nown Eeat, Safest, Ai*ays I<el:a. 1? ' SOLD BY DRUGGISTS EVERYWHFRF ! Whenever You Need a Genera! Tools Take Grove's The Old Standard Grove's Tasteless chill Tonic is equally valuable as a General Tonic because it contains the well known tonic properties of QUININE and IRON. It acts on the Liver, Drives out Malaria, Enriches the Blood ana Builds up the Whole Svstem. 50 cents. THE HERALD AND NEWS ONE YEAR FOR 31-50. nni C 1 _ TL^i 1116 omoKe mat | Wins! its stirring appeal to the live, active, youthful spirit makes "Bull" Durham the tobacco that goes with energy and en thusiasm. Roll "Bull" Durham into a cigarette and j-ou have a smoke that is full of vitality and vim and deliciously fresh and fragrant. 1 ! i GENUINE 61 N ? ! Bull Durham ! SMOKING TOBACCO I In no other way can you get * 1 f so much solid enjoyment out of a cigarette as by "rolling your own" with "Bull" Durham. Made of "bright" VirginiaNorth Carolina leaf, "Bull" Durham has an aroma that is "Tiimip anrl a mellow-sweet flavor that is unusual. And "Bull" Durham is the mildest of smokes. Start "rolling your own" with "Bull" Durham today ? it's easy to learn?and you'll get real smoking satisfaction. package of "papers" with each 6c sack. THE AMERICAN TOBACCO COMPANY fnenroorated BERLIN REPORTS YERDUN 0> FIRE German Official Account Describes Attacks by Russians as Futile and Costly. ftwnV. On /T _n-n/Inn^ ?? jL>C11111, +TICLL II LtU. \T 1CL iwuuuu / . Verdun is in flames, according to today's official statement by German army headquarters. Speaking of the Eastern front, the report declares that more heavy assaults by the Russians have been repelled with great losses to the assailant. The statement follows: "Western theatre: There have "been no actual changes in the situation since yesterday. In th.e Meuse district artillery duels were especially lively ana in tne course 01 mese eugagements Verdun vas set on fire. "Eastern theatre. West of Jacobstadt the Russians again opened an attack after having 'brought orward fresh Siberian troops and after strong artillery preparation had been made. The attack broke down with heavy Irises tn the Russians. "Minor enemy advances southwest of .Jr^obstadt and southwest of Dvinsk weiv easily repulsed. All the enemy's efforts, even those repeated during the night against our front north of iVidzy, were completely unsuccessful. "Father to the south, in the region of the Xarocz lakes, Uie enemy yesterday limited liis activity to artillery bombardments. "Balkan theatre: During a renewed aeroplane attack one enemy machine was brought down after an aerial battle between the enemy lines and our positions. It was there destroyed by artillery."' ??? fo Drive Out Malaria And Build Up The System Take the Old Standard GROVE'S TASTELESS chill TONIC. You know what you are taking, as the formula is printed'on every label, showing it ? Quinine and Iron in a tasteless form. The Quinine drives out malaiia, the Iro7 Guilds up the system. 50 centt Plies Cared In 6 to 14 Days Your druggist will refund money if PAZC OINTMENT fails to cure any case of Itching Blind, Bleeding or Protruding Pile* iu 6 to j4 d!>y? The first application sri^e? E?<^ flrirl k?-~* Cures Old So res. Other re me 0183 Won't The worst cases, no matter of how long sta^Jinc are cured by the wonderful, old reliable Dr. Porter's Antiseptic Healing Oil. It relieve' V.i, end Heals at tb* sam* time. ISo. 5ftc. 51 * THE HERALD AND NEWS ONE YEAR FOR ONLY $1.50. -i r-m si I ' V/\ f 7-1 *? -Is '*;! ] S/ZJf \ ^V ,' w \ , \V/;W ! 1^1 3 I ' w *i ' * i jJ, i-vv p A{ \ 4':/Q ..Ciyj v !r r r lis =^V> Jii v >"!. *v,.??? : j, J hi / Ifm -41a vl i I " ( STABILITY OF AUTOMOBILE P?l*ILD?R GUIDES BUYERS In the light of the increasing importance which automobile buyers attach to the financial resources and .-t?i i'.Jty of the manufacturer, the latannual reuort of the Studebaker C( rporaticn is intersting. A detailed analysis of the report shows that the year 1915 marked a climax in the 64 years that Studebaker has 'been in 'business, sales, for in- | stance, totaling $56,53,006. and producing an increase o' $13,094,782 over , the previous year, which had up to that time set the high mark. Tnis consideration of financial soundness and stability is all the mora significant 'a tier, it is realized how n:-u.y autonv.MIe makers have sprung' i'li in the indu try only to go out of existence again. Of the different ni ftl'An An Arnrl \TinnoCrt. I lliancs Ui 1 C51'LCi CU ILL UUIUOW j ta, for instance, in 19lo, about 75 per; cent were what were known as "orI Tjhans.'' In ether words, the builders of these cars have gone out of the bus- j iness of making automobiles. Because cf the experience of many buyers with concerns of this kind, greater care is being exercised in choosing and the strength, the length o: time in busii ness and the other factors are taken ] into account. Registration figures fn every State I uvI lU 1 (UVC9 III WHK One Way I You feel bad, take calo? feel a heap worse. Go hi and go to bed. Can't You hate vour friends. ? sicker!! sickest!!!. Thre< four jays you drag at before you feel like hustl i J IT IS I iv-v^r A si We 4 Gildc Nftwberrv L_ 1_ i, MMHG GUARD 8 OYER IKE 1 wllvsa jtjmjuui %?a!? AtcU ^.gCTs.TCMm BUSI ?L _ * .r-, <i-l/ liie idxaure uim with, the pleasant Protects eveiymeml family from Const the enemy of goo< We have the exclusive se! for this great laxaii The 4K&SCa8JL St :ii mri? wrrva disclose a condition identical with that of Minnesota, with little cariation in the percentage of orphan cars. By contrast with this condition is the record of the Studebaker a bigger factor in the motor car industry this year than ever before, with a contemplated output of 100,000 automobiles for 1916. - All over tl country motorists see the advantage of buying cars from a company that is sure to remain in business a long time and is building v\iui tut: lutra. o. pei wa.iiciit;y in view. Although the annual , Studebaker statement showed a satisfactory earning to the stockholders, the profit was smaller, in proportion to the volume of business, than for many other automobile builders. Considering the perfect organization which the Studebaker Corporation has and the efficiency of its plans, making it possible to product cars on the most economical plane, it would indicate that tiie quality in the cars is nigh in pro-1 portion to the price. In addition to producing cars of quality at moderate prices and offering the biggest possible values, the Studebaker Corporation is further ex tending good will everywhere hy means of an original plan of definite service. This plan, preventive rather than curative in its nature, is in force VER-] a PIqao v a iuvv vtjl CH IS YOUR V A orae ,-jf lax eat. ? next Sick! @ lax i or the i )out you _ a?v?i r\' mg. gup PLEASANT TO T 4 F?A -lax due a ire cure for constipa ] guarantee Liv-vei & w So BBfiOSSSBBi taste I : J 9^1 Ui USLC ipatioa- I 1 health ? f'JjS! I ling rights S ive |S m ore *1 ) among all branches, most of the larger dealers and many of those in smaller cities. It takes care o' each new par v>v means nf regular inscections ' ^ w?. -w w md adjustments on specified dates during the first six months. Incident-ally^ it serves to so educate the own- ^ er that he will not be likely to serii ously abuse his care after the six ^ months' period is up. TO-n PAYS A COMPLIMENT TO >fR. FRED H. DOMIXICK I : 9 i We note with regret the action of [ Mr. Fred H. Dominick, who recently I resigned as assistant to Attorney General Peeples. Mr. Ddrhini-ck is without question one of South Carolina's best lawyers. He has been singularly successful as assistant attorney general, not having lost a single case, and we happen to know that he has prosecuted some cases in which | his sympathies did not lie on the side ''ljj| he represented, and yet he prosecuted I them with such vigor tnat tne iaureis i of triumph were his. We sincerely trust he will in private practice meet **iih that success which he so richly deserves.?Gaffney Ledger. THE HERALD AND NEWS ONE % YEAR FOR ONLY $1.50. . 1 LAX I Calomel /AY ? nother Way ou feel bad, take Liv-verat night. Feel better ; morning*. Take Liv-verdaily in small doses and . ^ more you take the better feel. No sickness, no ing; "feel fine as silk." ? AKE Bottle 4 tion / -lax eeks .1 r* . I lutn Carolina ^ IMlb