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\ .fill ASTKli IXVLALNS AM l-( T MI!AST 1JK Insurance ( onimi^iouer Issues Address to People About LaneyOtloin Act. F. H. Mc.Master, insurance commissioner, lias issued the following statement to the people of South Carolina in which lie discusses the , Laney-Odom act. The statement follows: "1 would like to talk to the people of South Carolina a bit about the Laney-Odom act. Heretofore what I have written has been to the companies in amazement at the. to me, absurd and unreasonable interpretations of the law published by those i opposing it or to the agents in an effort to suggest means of relief from tie loss which threatened them. "Now 1 wish to say something to the whole people. For fire insurance affects the interest of all who own j 'houses or rent them, who have goods | tn miiv re- sroods to sell, money to lend] or money to borrow. Fire insurance nowadays affects very nearly every material thing of value. 'So it is of; interest to the whole people. "To me the fire insurance situation j is a business proposition to be considered wholly apart from political ambitions and to be solved for the good of the greatest number. Such "have been all insurance problems to Hie since I har.e been insurance commissioner. Sot Commissioner's Bill. "As the I^aney-Odom act is not of my proposing, I should have 110 particular partiality for it. I proposed tie bill recommended by the national -convention of insurance commission <ers. It was killed. The sixth section of the Laney-Odom act, taken from -tire national convention bill, and the -eighth section were of my proposing. YJ*e remainder of the bill is not mine, j that is no reason why I should rjoin in decrying it and in declaring ft to be a chamber of horrors when, to my mind, it is not. Furthermore "aa an executive officer of the people ax-d a creature of the legislature, it is my duty to try to sustain the laws ~e? the State and to enforce them considerately but fully. -Now let us consider quietly the j ;4Laaey-0dcm act. To -do this there is j e.o need to call anybody names or to impute e.il motive* to any one. Let us look simply at the act and see ubat it says. "'It is of eight sections. The first ( "nve deal with the' relations of the <x)mpanies to each other. The sixth se^ion deals with the relation of the insurance commissioner to the com-1 panies or their rate making agent The seventh section deals with the , relations of the companies and their -agents to their policyholders. * The eighth section exempts the mill mutuals and the factory insurance association (composed of stock companies) from the terms of the act. Belser Amendment, ? ~ ohnnt I Tne first ftve sccliuus ai^ uuv?. "verbatim the Mauldin act passed in 1S99 and the law of South Carolina, until 1904, except that section 1 has i i a most important amendment, pro- j posed of (Mr. Belser of Sumter. The sole purpose of the first ft', e sections is to prevent compacts or combinations 'for the purpose of controlling rates charged for fire insurance.' The ~?test of the good faith of the com-1 panies in obeying the act is to re- j Quire an official or agent or me turn- i ivaxiy in this State to make an affidavit oii! March 1, 1917, that the -company has not 'entered into any ' trust, combination or association for the purpose of preventing competition in insurance rates in this State.' "Each year a home official is rev quired to make a like affidavit. Competition With Cooperation. - AJaui/^in law of 1899 did not 1 iUUu?w?M -permit the companies to cooperate j in any respect. Each company had to stand alone and do whatever it did at its own cost. The fielser amendment to section 1 changes all thi3. The companies may employ a 'common agent or agents to prepare and ma n<5 and other data as to ? U A w ?? ? - risks, etc.' "The attorney general in an opinion, in which I fully concur, has ruled that this common agent may furnish the companies with a book of rates, giving each risk the rate which in his judgment is just and not discriminatory as between risks, this ibeing the .purpose of the Belser amendment, tthere /being no violation of the act tViava Via n fnf tllP c: uu <Xt WUl^VW *v* v?^ purpose of governing or controlling ;ihe rates charged for fire insurance/ "In other words, the rates suggest^ "hv the? pflmmftn ae'enf are advisor/ and are not mandatory. Arbitrary A<jts Prevented. "The sitxh section gives the insurance commissioner power upon complaint to have a hearing to determine whether such a rate so made by !anv person or bv anv ccmpanv is disi i criminatory or unjust. it subjects the commissioner's decision to summary ievie\v before any judge. If it be found that the rate complained of is discriminatory or unjust, a new rate must ue macie uy me persuii ur luuipany who first made it. Section 7 requires eacli company and each agent of that company to deal justly and in a non-discriminatory manner as between all of tbe policyholders of that company. As the attorney general has pointed out, there must be a conscious and intentional violation of this section to in cur the penalty and it must be construed in consonance with, the preceding six sections. Criticism of Section 7 may be disarmed by the statement that it was drawn at the instance of | an agent who knew the evils of rebating and discrimination among policyholders and who felt that it would be a bar to evil practices from unre siraiueu cuiupcuuuu wuitu nc from the bill otherwise and to whica he was opposed. He tells me it was approved by the leading special agents of the leading companies (which have since withdrawn) before its adoption. Experienced agents approve it now as upholding th?ir hands in equitable treatment of all policyholders and in protecting themselves against the selfish or irresponsible policyholders. "Since there is keen but sane competition between the mill mutuals and the factory insurance association, composed of stock companies, both of these classes of insurers were exempted from the provisions of the bill in Section 8. Summing up the Law. "Summing up, the Laney-Odom law permits complete cooperation among the companies in the making inspection of risks, the furnishing information as to defects, the compilation of rates which, in the opinion of the common agent are not discriminatory or unjust; ipermits the insurance com missioner, as occasion demands, to declare his judgment as to whether these rates are discriminatory or unjust; subjects his judgment to summary review by a judge; forbids the companies and their agents from playing favorites among their policyholders; exempts from the terms of the law two competing organizations. the mills mutuals and the' factory insurance association, each of which has carried to the highest degree cooperation among themselves and which seek fire prevention to the risks which they insure. 'H.'ay I be .permitted to say that L speak with authority. The enforcement of the law by its own terms is upon the attorney general and the insurance commissioner. All that I iiavtj written ucib uccii ?i iiivn V/U.A^ after careful consideration of the law in every detail and is, as I believe, in full accord with the decision of the supreme court and the rulings of the j attorney general upon it. "The reader may judge for himself j whethere he is in sympathy with the j principles of the law and he can de- [ termine whether its framers and their i - - - * 1 1 ? J x-u ~ friends snouia nave suiiereu iue auuac and ridicule which have been heaped upon them." ? HUSBAND RESCUED DESPAIRING WIFE After Four Tears of Discouragmg Conditions, Mrs. Bullock Gave Up in Despair. Husband Came to Rescue. Catron, Ky.?In an interesting lettet from this place, Mrs. Bettie Bullock writes as follows: "I suffered for four j years, with womanly troubles, and during ! this time, I could only sit up for a little! ?uu ?rtl rtmllr 2nvufhprp Jit WllliC, CL11U WU1U IIVI nuin uu^ ? all. At times, i would have severe pains in my left side. The doctor was called in, and his treatment relieved me for a while, but 1 was soon confined to my bed again. After that, nothing seemed to do me any good, i had gotten so weak I could not stand, and 1 gave up in despair. At last, my husband got me a bottle of Cardui, the woman's tonic, and 1 commenced taking it From the very first dose, 1 could tell it was helping me I can now walk two miles without its tiring me, and am doing my work." If you are all run down from womanly troubles, don't give up in despair. Try Cardui, the woman's tonic. It has helped more than a million women, in its .50 years of wonderful success, and should surely help you, too. Your druggist has sold Cardui for years. He knows what it will do. Ask him. He will recommend it Begin taking Cardui today. WriU to: Chattanooga Medicine Co., Ladies' Advisory Dept.. Chattanooga. Tenn., for Special " ~ - ?4 * Mrvna Instructions on your use ana wv/rw, JTreatment for Women.'' seat in pain wrapper. ?66-3 ' Only One "BROMO QUININE" To get the gf njine, call for f*iil name, LAXA riYE BROMO QUININE. I/>ok for signature o E. W. GROVE- Cures a Cold in One Day. Stop* touah acJ headache, and worts o/i cold 2i Itamacs success is due to mtrits "HOT VIK WILL PI T IT A HAL LOOS, KIT IT WU.VT hfcfcl' II LTV SAViS A NOTED ADVERTISER TANLAC S REi( ORD IS SUPREME Should Value Be Lacking, the (Jen eral Public Lonsr Ago Would Have Lost Faith in Tanlac. This is an age of advertising, and everyone is familiar with the popular saying, "It pays to advertise." j Advertising is a business force. So 11 potent is the charm cast Dy lis speii it has been known to perform marvelous feats and to accomplish phenomenal results. i It car.not be truly said, however, I that everyone who advertises sucI ceeds for unless full value underlays ' the article advertised the advertising ! would ultimately fall of its own | weight. In this connection we must i not forget the words of the immorJ tal Lincoln, who said: "You can fool some of the people all the time; you can fool all of the people some of the time, but you cannot fool all of the people all of the time." So if there is not behind every advertisement a dollars and cent"? -\alue to the article ad j vertised, no amount of advertising i will stimulate the sale on such an j article teyond a certain point. This applies to every line of business and the modern business man or firm can only succeed through honest advertising and fair dealing. One of the most successful adverI tisers in America today is L. T. Coop j e^, the manufacturer of the new medicine, Tan lac. On one occasion Mr. Cooper said: "Hot air will put a balloon. up, but it won't keep It there." When I offered Tanlac to the world something over a year ago, I did so with the firm conviction that I was offering to the people the best a.od nnrftst nroduct of its kind on the jr ? m American market today and I did not hesitate to expend vast sums for advertising because I knew the more tbe people kcew about it the more j they would buy it. The success of the preparation was j immediate, and the people every-1 _.t?~ nniot to recognize its W ULC1 C TV Ox v* ___ genuine merit and wonderful cura-| tiwe powers. I have never claimed! Tanlac to be a "cure all" or that it would perform unheard of wonders but I stated facts, stated them in a \ straight-forward and business-like way and in a manner that has commanded confidence in the conserva ept forth. VI ? C WlUiiuw Underlying these claims has been real value, not from a dollars and cents point a o, e but from health, as well. The- plieomenal success the preparation has now achieved is familiar to everyone. No matter where you go TarJac is a household word. It has brought a new romance to the modern business world. It is a story of an acceptance and appreciation of merit,, never before obtained by a proprietary medicine. Conservative business men, to wb.om. the- actual j ?ww*ii/?Hnn nf Tanlac! P 65 U1 Li*C vrv?uwiN/u w ? _ r.a;e been presented', have scouted theiii until the proof was shown. Th<* production of Tan lac now stands at the rate of almost 5,000,000 bottles per year,, or to be more correc t ^GO.OOO. The sale of 1,000,000 bottles during the first nine months probably exceeded any record e.er before made by a proprietary raeinciii.tr. Through the 'Atlanta office alone j approximately 400,000 bottles have i . i been sold and distributed since December 1st, and the South alone now requires over 1,000,000 bottles per year. These enormous sales mean but one thing, and that is merit. One bottle is sold in a neighborhood through advertising, but ten more are sold after the first bottle produces results. People are always willing to tell about their ailments, but they are more than willing to tell others of any medicine that helps them. It is somehing they can't keep to themselves because the impulse to sympathize with fellow sufferers and want to help them is one of the strongest as well as one or tne Diggest things in human nature. Tanlac, the master medicine, is sold exclusively by Gilder & Weeks, Newberry; prosperity Drug Co., Prosperity; Little Mountain Drug Co., Little Mountain; Dr. W. 0. Holloway, Chappells; Whitmire Pharmacy, Whitmire; D. J. Livingston, Silverstreet. Price $1 per bottle straight.?Adv. ; 'nvlgoratlnjj ro the Pane and Sick*> i The Old Standard greneral strengthet in? tonic GROVE'S TASTELESS chill TONIC, drives oir Maliria.enricheU ie blood .and bui2ds jpthesys lem. A'ruetvjc.c For auuils ch Idrep. 5" \ ) f VoTH K AS TO KNHOMiWKNT FOJ I !>K>m; It ATM IMJIM IKY KLKCTIO? STATE OF SOl'TH CAROLINA, COi'XTY OF NEWBERRY. Notice is hereby given that th* books of enrollment for voting in tin Democratic primary elections in New berry county are now open, and tha che same will remain open up to anc including the last Tuesday in July 1916. which is the 2">th day of saic i. jnth. In order to enroll, applicanl shall be twenty-one years of age, o: shall become so on or before the 7tl: day of November, 1916, and shall be a white Democrat, and shall have residorl in tliic Qratft td-n i-ear? ariH in this I V/V* I J JL tu.c KJIUI-V V ?? vr ^ " ? county six months, prior to Xovembei 7th, 1916, and in the club district sixty days prior to the primary electioi] to be held on the last Tues day in August. 1916, which is the 29th day oj said month: Provided, that public school teachers and ministers of the Gospel in charge of a regular organized church, shall be exempt if otherwise qualified, and provided further that any negro who can produce a written statement of ten reputable white men. who shall swear that they know of their own knowledge that tn? negro applicant voted for Genera] Hampton in 1S76 and has voted the Democratic ticket continuously since c Vi o 11 Ka art 1111 ?i.rtT*rtT? oiiu.ii guiui^u LW uu. Each voter must enroll in the clui; Clubs Secretary Newberry Ward 1, J. H. Baxter, Newberry ward 2 W. W. Cromer Newberry "Ward 3 Otto Klettner Vr? 1 Newberry Ward 3 D. D. Darby No. 2 (Mollohon) Newberry :Ward 4 J, O. Havird Newberry Ward 3 T. "F. Turner Oakland /M. A. Atfaway -.Helena ii. J. &aoei Hartford j Holland Paysinger Johnstone $ R. 1U. Neel ? * Garmany ? .Tjio. T. Oxner ift. Betnei > Chalmers Brown 4 Mulberry,- T. W. Keitt * f. ? Mt. Pleasant Ernest Ringer MayMnton J. B. McCoIInm I Hirftmi'ro ~ T T? TtefcoT ( If UictuilVI . U . -as A-TM-ikOA Long Lane 5 J. 'C. Craps | Jalapa ? Clarence Wallace Kinards . J. A. Dommick i i Longshore I ' J. W. Wilson Reederville ' R. E. Livingstone P Dominick ? J. X. Livingston T Trfni'trv O R T^?n ashore " Saluda Xo. 7 J. S. Werts ! i Chap pells W. L. Andrews Vaughnville L. H. Senn f ? " Ctopia } I. P. Cannon Silverstreet f J H. 0. Long Cast Riverside \ W. L. Buzhardt ? Prosperity / ? T. A. Dominick St. Lukes 1 7 C. S. Nichols ]! Saluda No. 9 J. A. Bowers f O'Xeall t " Pat B. Wise r *y Monticello P. W. Counts <r Liberty (ieo. wunter T Big Creek " N. A. Xichols Swilton Geo. A. Counts Little Mountain A. C. Wheeler ? * r m-. r?i. I'moil 30.. L?. atraubs Jolly Street G. I. Kinard St. Paul ' Geo. Wicker Central IA, L. Aull Zion M. H. Folk Pomaria J. T. Kinard St. Phillips H. H. Ruff Walton J. L. Crooks r i { nearest iris place of residence ealcu* iateil by the nearest practicabe route. , except as is hereinafter stated. In the town of Newberry, voters slial! enroll in the wards in which they re- | : side. Ward 2 Club District is extend- I * j I ied bevond the city limits as followst: To the crossing of Columbia highi I 1 way by the C. X. & Railroad thence ! ! following ot .d highway South to The i I :? 4 /Nt* Dom.in'rt liioll U'M t* or IIllltJI seL'liUH ui i vmai ia aigii ii ui IA-. the residence of B. C. .Matthews, said , lines to include residence of B. F. i Mills. "; Each applicant for enrollment shall l ;; in person write his name upon the J " | olub roll and immediately thereafter i ; his nprp nrrnnation and nostoffice ad- i I ?1 1 i dress, and if in a city or town shall j write the name of the street and num- j ber of the house in which he resides, j ' i if such designations exist in said city . ! or town. In the event of the inabil-1 ity of the applicant to write, he may make hs mark upon the roll, which | l shall be witnessed by the secretary, i or other person then having the cus-, i! tody of the roll, and the secretary - -- i : shall fill 111 tne otner requirements. 11 The following is a list of tlu clubs j ' j of tlip county, the names of the sec-j 1 j retan"e> thereof, the places where j the books cf enrollment will be found.' j and the names of the enrollment com- j > mittees for the clubs: Place of Enrollment Enrollment Committee Baxter's Undertak- W. A. MoSwain ing Parlor S. S. Cunningham National Bank of J. B. Hunter. .Newberry, S. C. T. P. Johnson Otto Klettner's J. B. O'N. Holloway Store Alan Johnstone I. T. Timmerruaa's W. S. Jones Store J. A1 K. Bushardt Frank R. Hunter's F. R. Hunter CifiKna f 'R ViKlor KJT A, . Newberry Cottoa 0. S. Goree Mill "ff. H. Hardeman Oakland Cottoa R. C. Williams Mill W. EL Sentell B. E. Julien's. J. L. Bedenbaug'ii Store F. G. Spearman Residence of Z. W. Dennis Secretary J. McD. Schumpert Neel's stora M. M. Mills Sam B. Neel Residence of B. B. Leitzsey Secretary 0. H. Lane Residence of W. C. Brown Secretary Geo. S. Ruff Residence of J. D. Nance Secretary J. P. Wicker Residence of J. L. Henderson 1 Secretary Jno. Henderson Residence of J. L. Thomas Secretary W. B. Whitney Whitmire J. D. Tidmarsh Pharmacy % * S. A. Jeter Residence of C. 0!. Folk Secretary T. B. Carlisle Jalapa Mercantile M. B. Chalmers J Company's Store P. B. Miller i J. 'A, Dominick's R. G. Smith j Store T. H. Pope Wilson & Martin's J. E. >Senn Store G. H. Martin I r? . J . -.i? t- "%r n iii. rce'siuence ol i. jm. anniii | Secretary J. H. Dorroh Residence of Fred J. Harmon Secretary M. M. Livingston Residence of J. A. Schroder Secretary Hugh Longshore Sander's Store W. fl. Sanders Unn'^ll P liv n uii \s, X' o Martin's Store J. B. -Scurry A. P. Coleman Residence of J. H. Rudd Secretary 0. S. Johnson Residence of J. A. Foy Secretary H. L. Boulware J. T. Coleman's J. T. Coleman Store W. P. Blair Residence of E. L. Hayes Secretary W. P. Paysinger T. A. Dominick's Dr. J. S. A\Tneeler Store A. B. Wise Residence N. E. Taylor Secretary J. P. Hawkins Residence of L. L. Dominick Secretary ?M. C. Bedenbaugh Residence of O. O. Shealy Secretary W. P. Pugh Residence of P. L. Dawkins Secretary W. W. Shealy "R <->f T? TP O T-Tii,nfpr 'S-ecretary Claude Lester Residence of J. P. Harmon Secretary Arthur Boozer Residence of Jno. S. Watts " Secretary C. L. Counts J. B. Derrick's J.. B. Derrick Store J. K. Derrick ^ _ ' Residence of T. J. Wilson Secretary G. S. Enlow Residence of H. B. Richardson Secretary B. B. Rikard Residence of W. H. Kibler Secretary J. J. Kibler Residence of J. A. Counts Secretary B. S. Wicker I ti^9 T nt I rwcoiucuvtr ul %J . yt . u Secretary E. 0. Hentz Setzler's Geo. B. Aull Store J. P. Setzler H. H. Ruff's J W. Lominick Store G. H. Sligh Secretary W. H. Folk Residence of . J. D. Crooks \ \ ill ad:i:i:o:i to the enrollment <mk mitieei named above the i^creta^B each club i.- a member or tlie ev me>it committee for his club. X The secretary of each club IU1 II U>CI IU I11C LDUIIli II1LII1 roll book on or before the 28th S c!' July, 1916. 1|| Frank R. Hunter. County Chairman. Good Looks are Easy MagnoKaJyl^ j oaim. Look as good as your city cousins. No matter if you do Tan or Freckle Magnolia fl Balm will surely clear your skin in&andy. fl Heals Sunburn, too. Just put a little on your face and rub it off again before dry^ Simple and sure to please. Try a bottle^J to-day and begin the improvement aUH once. White, Pink and Rose-Red Colors, fl 75 cents at Druggists or by mail dire&. SAMPLE FREE. 11 LYON MFG. CO., 40 So. 5th St, Brooklyn. N.Y. A0T1CE OF FINAL SETTLEMENT M I will make a final settlement aa guardian of the estate oi William Stuck acd Lula Pearl Stuck, in the ^ probate court for Newbery county S. C., on the 9th day of June, 191G, at 10 I o'clock in the forenoon and will im mediately thereafter ask foi a final discharge as guardian of said estate. fl J. W. Stuck, fl May 8, 1916. Guardian. fl MSI. Graduation ' Gifts i | Graduation gifts bearing our label are sure to be appreciated, as our reputation J as the "quality store" insures their true value. 1 Our showing of gifts for ^ 1 both the girl and the boy graduate is more than up to standard,?it's the result of a most careful selection of the J b jst values on the market. H We wou'd consider it a , p'easure to show you. . ! P. C. JEANS & CO., I Jewelers and Opticians, Newberry, 3. C. | Dr. F. C. Martin | l| i^ft Specialist! { I Examines Eyes, FitsG!ass.es| and,'Artificial Eyes. I v | If your eyes are giving yoti| ^ ^trouble d>n't fail to consult him| I Satisfaction Guaranteed. | < * Office ove. Anderson's Dry? I *Goods Store. M STIEFF * THE SOUTH'S MOST POPULAR PI ANO, Write for catalog and price ? \ list. J Box 165, 1 COLUMBIA, S C. _ / To Drive Out Materia And Build Up The System Take the Old Standard GROVB'3 4 TASTELESS chill TONIC. You know M what you are taking, as the formula is JM printed on every label, showing it 5s Quinine and Iron in a tasteless form. The Quinine drives out malax ia, the Xro? Guilds up the system. SO cents j