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\NSUR ANCE ISSUE: AGAIN TO FRONT INCRASE IN RATES NEW BONE OF CONTENTION-MCMASTER , ASKS WHY. DISPATCHES FROM COLOMBIA Doings and Happenings That Mark the Progress of South Carolina People, Gathered Around the State Capital. ('olulbia. F. H. McMaster, state i.suranco comlislIoner, issueti the following statement with regard to the in crease in fire insim-aiie rates, which the South Carolinn' Inslpect io1 and Rating Bureau will put Into elfedt in this state on October 1: "As is knows. by those' who have readt the law passed at the recent tics sion of the legislature which repeal ed the Laney.Odom act, the Insur: nce comminissioner has no more power ov, lire insurance rates than any oth - citizen of the state. All that he may do is to refer allege.d discriminatory rates to the South Carolina (o)m1is siotn of three to me appointed by the governor. This any private citizel. may do on his own account. In re spect to excessive and unreasonable! rates, the commission of three itself is bound by a formula in the law well nigh imlpossible of fflective api)lien ton having under consideration the various retirm1ntii of the Formulla. "The commtis:.ion~er maly istunire of the bureau Ile reasons for the in crease in rates. 'i'This the conm1is aioner did do on September 1 and ill reply thereto the burean gives t.hli following information: "'That the datar cn which the in-1 crease were buased, gives restIlI of the experience of ;P) or More of the most proninet companies operating in the State of South t.'arolina for IIe proceding live years, as follow:. "'Alercatlile blilhiin gs. loss ratio. 73.24 per ceni; contt'ls of mircani tile buildings. loss ratio. 90 per ctI ; dwellings amd their contenuts, less rai tio. 108 per cnt. "'The other clahsses upon wlihl in creased rates are to appily Octobe11r I are notoriously unprolltable. h'iuis is so well known to the unilerwriters Ihal they dil not deem it necessa ry to V get too great aibor in preparing de- 4. tailed statistics to d.lmonstr~ate a fact , well known. Therefore, we have no dailta giving is det all, the ex p rime' .t with these classes.' "Tho commissioner does not doubt the accuracy of the ilgures given in . this letter and under the circun stances and under -the provisions of the act of 1917 dloes not1 see how~ tile South Carollmn commission to be up pointed may do anything. "But the insurance commissioner is of the opinion that the fire insurance (olpanies and their agents are re Sponisibie for the se e'xcessi5ve loss r ioi-. lie callis attenltioni to the fact that last year' when .these comlfpaniecs iad wi11'thrwn1 fr'om the staite that t he loss ratio of the South Caurolina eompanies for the year' 1916 wvas only 20 per (cent and1 of t he companies I of other states which did business in South Carolina in~ 19116 their ratio was 35i per cent. The commissioner states that these figures may not h~e taken asa 'omlehtte showing blecaulse of the fac(t thait the lar'ge mass15 of thle busi5 ness5 was wr'ittell towards thle latter par't of the year and it would ho neces sary to extend the r'ecord' far into 19017 to get ani2CCi accrat idiea (If the actual loss for t he& premlium~ls writ ten ill 1916.' IBut from tile hleat obta inlel informiattin, the loss lratin of this business are remnarkablly low. This the 'ommiissionIer tributes to thle very ''nroful writinug by the comnpanieos last year andl the more careful select ion anid su~pervislin of the agents by the companIieis themselves. "Thi'ecomiiissionier aldds also that it does5 seeml remarkable that stock (con~aiellnd111 it necessary to c'harge $1 per $1010 for fIre insuranlce when the mutl icompa~lnies5 in this state on thle average for t ho past ten years have writtent not only tIre insurance, but windstorm insuiranve on1 far'm dwellings. barns andl~ tenanl~t houses, at an1 aiverage rate of about 45 cents per $100. And yet those farmer agents are not supiposed to know anything about insuranen. "Likewian there are a nuniber of mutual companies known as inter-In surers which are saidl to ho writing selected lInes throughout the state and giving results incomparably less than the stock companica, which, how ever, write everything andi seemingly anything. The commissioner states that so far as lhe knows that only one town in this state. Charleston, hat anything like accurate records of itsm fire lossee. Those were recently stat Forethought Will Prevent Fires. Several suggestions to reduce Oro tosses have been made by F. H1. Me, in ietters which have been sent out from ,hls office. One is that at thih season of the year a piece of old she sine or a discarded dry cell battery b< placed in the fire place or stove. Thi fumes from this will clear the chimi -iey of soot and thus save mani iouses that other'wise would be burn ed. Further suggestion to reduce fire waste is to clean up cellars, garreta an...t eis.- in enneal of trsh. ed to have beets on the .rge " the past 38 years of about $66,000 ali the anijual premium eglleeted i Obarleston are estimated to be .abou $300,000, showing a loss ratio for the City of Charleston of about 22 per cen annually for the past 35 years. There fore the conimissioner can see no rea son whatsoever for the increase o rates in Charleston. He has brough1 this matter to the attention of the mayor of Charleston. The commissioner states that other towns in the state may secure the low loss record of Charleston if they fol low the exaliple set by Charleston and prohibit shingle roofs within their limits which Charleston did in 1938 and if they will (o like Charleston, see that chimney flues are kept free from toot, the garrets and cellars and premises are free fron trash and greasy rags and ashes, hot or cold, not permitted to be put into wooden boxes." Authority to Run Creamery. The co-operative creameries of the state have been granted permission by the war department to erect an ice cream plant within Camp Jackson. This will furnish an outlet. for the products of the creameries and will bring much ready rash to the farmers of South Carolina. The matter wa; handled with the war department by W. W. LUng. stale agent for the farm demonstration -forces and director of ('Iemson College extension depart ment. Concerning the lee cream plant Mr. Long says: "The very gracious and generous letter of General lBarth inadeates the splendid spirit of eO-Operationt and inl Itrest. in3 the agricul 1tu'e of 111r State. We anurt unde'st and. however. t h: the a rny hod made large contracts for ft:rnishing t13ppli's before the cn11ton menit was esIablished at Columbia :3a they (0ul not afford to take th chance of obtaining all the necessary supp1 ies frot 1a lal Sour-c' . hIt. as in diate in General.lharth's letter. thc'y will be very glad to pur1tchase wh:u: ever they (nn from the farmers of tei' state." Several dlays, algo 'Mr. Long wrote :1 letter Io lItrig. (rit. ('hales II. Ilarth. In the n~lnte (1f the creatuo, rie:; of the' ,ate. tha ekingt hint for thI' !)riviley o oaf erecting a-1 ire' er":ain plaitt within! Ilie canttoiueunt at Coluihia. General Ihartit t "plied to Mr. Lone:'. iter as follows: "ltet' eringt o iii trs of the ':rrl in titn. c(oncerf litig the pitrebilseii from armi-r:: of Souiith ("arolinta of ':additiotn 1 a ricultura lIoduct :.' I have.( to sat hat I hate (ii'ie'cle d nhe dlvision (31uar erl'iase'r and d(8iision exchange of (er to comlply with your wish.'s h (eree''r it (an3 h' done and consis. lit with the hesa interests of the orlnm::nd. "I wit 1'1h11!et to tate that I m11 t tore than wil!ing to c o-opera;te witht Ito far3tners to help theml develop hir1' agrb'iculi tr. My Lest Wishes to( o with you andthem for the success ,' the o-oerativ3 e 'realme'ies enter. rise about to he located at Camp ackson." ourts to Pass on School Books. 'Thomnas H. P'eeples;, attorney-genter 1. has granted Lawson D. Melton per" 1i.s10on to have'i the state board o. f diuratlion's r'e(cent t extbhook adopt)1ion eviewed In the couts of the state. 30ntenitioni is that tihe board hats eIx. eeded Its author1it y In adopl~tinag mor0o han 60f per~t cenlt of thte textbhooks to 5' u1sed inl the publi1c1 schools, which -h1anges are tnot to lbe made oftener than once inI five years. in per'mittinag t he suit. to be brought In the name of the state. Mr. Peeping emphasIzes thtat the ac(tIin is to hn0 taken on ('onditionl that the palrtieu repre1'senlted Int thet suit wi'll gularantee 3(1 1indemiIfy the st aite aigalinst alil e1x pe~nse in''voved. Mr'. Melton explained that "It 114 n103 011r desire to instituteo aniy pr'ocee)dings that will t-log ther mlaciner~ty of the s(choos 01' in~ any) manner inter'ilre wIth th' prlogr'es." BIggest Poultry Show Ever. Every indlienltion1 pinits to the' big. gest pouiltriy show in th1e South alt 3110 State Fairi nex3 1mon1th. TI's1 year) the 1)0u11try exhibIt will be undoer' Ite dl r'icet. (contrli of tihe new'~ly or'ganIzed South Car'olina Poultry~ llreeder's' As. 5ocialtionl. The otfficers ar'e: L. C. I tr(eeden, HennetlttsvIle, presldent ;iDr. IE. C. Conner. Greeniwqod,. first v'ice prsidenI~1t; S. A. Mathiar. llrm~o, second vIce president ; . 11. Zimmerman, Co. lumin)a, secretarytreasurer. Tihe exec. ut'e(bar 11inude officer's andl C. C Cleehu~.ilock Hil1; WV. H. Cunninghami, Lancl(aster'; "W. M. Le'vi, Sumter, . '. FLMc'Iendn. Bishop. vIlle; Frank. C. liare, Clemson Coi. lege; J. H. Watson, Ridge Springs 1311( J. Wt. WVilson, Spar'tanbutrg. TheCSo( men1 who aire theo leaders in the poultry industry of the state are giving their ihearty support to tile state ponutry show with tile determi nation to make It a pr'onounlced sue Liberal preiums have been offereti ain all classes while .hue are silver lov inlg cups and $250 in c-ash specialt for those who have tile best birds. Secretary rants New Charters. A commnission was issued for th Columnbia Wholesale Company, the prc posed capital stock of which is $15,000 A general business of buying and sell ing fruits, grocerIes, food and vroduci business will be conlducted. 'rie cow I pan1y will also buy and sell real estati and securities. Petitioners are J. ?N Mobley and Alan Johnstone, Jr. A charter was issued for the Column bia Undertsiking Company. The capita stock in $2,00(}. Rloy M. Abbott I president and .1ay M. Abbott vice pret ident, secretary and treasurer. Mountaineers Will Hear Cannon Thug der on Chestnut Ridge-Engl. neers Are at Work. Spartanburg..-A long and reguhi line of Urfited States army tents 1i their yellow cones today from a clea lug on the lower bench of Chostnt Ridge, a long spur of Hog Back Mouw tain, one of the southeastern sentinel of the Baeto Ridge Range. Back c these tents dark pines form a sem circle, while still above then th mountain rises to a height of 3,00 feet. Before the camp site bottor lands of corn border a small strean: the headwaters of Pacolet river. Th scene is 26 nMiles northeast of Spm tanburg and just over the county lin In Greenville county and surround the camp of a detachment of 50 mmt from Company L, Twenty-second Nov York Engineers, under the comltan: of Lieutenant O'Dell, who were sen out to establish camp and begin th first construction of the great arti! lery range to be the training ground for the 'Twenty-seventh Division. Camp in Order. A train of ten big army trucks fol lowed the engineers carrying supplies and tentage. but arrived too late to prevent the detarhment from usitt5 their "pup" t. ; for the first night out. Newspaper men visited the cam;) to find things in order about the out. fit and the muen turning their atten" tion to the opening of highways for cars and the heavier trucks. 'The air bore a touch of fall and brought zAt to life and every man was titnglin. with the thrill of the ope;t country. the breeze from the mountains and the in spiration of the first fall colors in the forests. These men have gone ahead under the direction of Capt. George W. Wick ('rshtam. Jr., who has been assi'gnel to the target range to do the firt work in connection with the establishmettt of the camp for the heavy artillery. I lere a camp will be estalishel that will take care of more than 2.000 ren. The largest guns will he par'ed her( antd a series of targets extending ovei routr miles will he arran'ged. There te three mountain ridges and thme fia* ing will be over these. at a first, Sec ad tiand third series of trsrgets. Th. )ig guns will he conealod, the siginal y:tem will he estallisher and all the *on(itions of warf' rc'' on the front in prance will be duplicated. Pee Dee Plans Big Fair. Florence.---The preniunt list of the ee Dee fair, which will be held early t November. will amount to consid 'rably over $.00(l. Within 10 days he premium list will be ready for dhi ribution. It. covers .uemost every linet )f endeavor coilmn1 to the Pe' 1)ec' ;ection. though of course it has to (do mostly with live stock and agriculture. This season especial attention is 1)c ing paid to the work of the women. who are doing so mucth to relieve food conditions in thi; time of stress. The new brick building which will replace the wooden structure burned last year will soon be completed. t. will on tain twice the floor space of the old building and will be equipped with avery convenience. Frotm the present indications e'very availahble foot of space will be taken by .exhibitor's. Florence county is tratpidly forgiung ahtead in agricultural mnatterms and will contest every enutry from its teigh hot's. The Pee Dee fair embraces ev. ery county in this sectiont and the spir it of friendly rivalry which exists among the various counties can al ways find an outlet at the Pee Dee fair. Secure Third Infantry Regiment. Washington .-Gov. Manning. whc was itn Washington its conference wvitt~ Secretary .fBaker, Gett. Crowder. pro vost marshal arud General Bliss regard inu: a new infantry regiment for Soutli Carolina and the nmhmer of men whu atre to be sent to Camup .Jacks~on. aftei thte conference authorized the state muent, that the regiment would be or ganiz~ed and that, at Camp Jacksot there womdd be a division of whit< drafted men brought up t~o full wai strer.gth, which medna about 28,001 men. IPTe man power of the state, be said is divided into the 'organized and un organized militia, He deems it prope to immediately otrganize the unorgatn lizedl militia and form a regimenft c state militia for use in the state. SOUTH CAROLINA NEWS ITEMS It became practically certain thai the selected army men from Florid will ite transforred from Campil Jaci sotn at Columbia to Camp WVheeler a IMacon. Foutr tnegroes wero killed and seve stutnnedi diuring a terrible electric storr at Camp Jackson. Coroner Scott sai no inquest would he necessary. Thi dlead are: eorge C. Kit-t, of Biranel Ville; M. Chutrches, of Faort Motto;. M I. Green, of lilastover; W. J. McCotti of Georgetown. The diectors of the York county fa have announced that no county fai will be held this fall. This decisic -was reached because of the fact thi .the railroads would 'not agi'ee to hmi -amusement companies, and because < the further fact that it is practicall -impossible to secure labor for tU work necessay to conduct the fal Also, no special rates ouidd be secutr( or special trains operated:'N -rThe Lee Coutnty fair will be hel 1 November 28 to December 1. 11he pr n iunm list just issued totala in all (1 .partmentgt premiums to the amnount< 93000. DANGE t1. IS SEL Calomel Salivates! It M Liver Tone Act: Men,V Every druggist here, yes t yc i everybody's druggist has notice< off in the sale of calomel. T same reason. Dodson's Liver '] place. "Calomel is dangerous and pec Dodson's Liver Tone is safe an suits," said a prominent local dri Liver Tone is personally guar druggist. A large family-sized b( cents and if you find it doesn't daigerous, salivating calomel yot for your money back. )Dodson's Liver Tone is a plea ly vegetable remedy, harmless and adults. Take a spoonful at n feeling fine, no sick headache, SERUM FOR RAT-BITE FEVER Japanese Physicians Declare Cure Is Obtained From Veins of Persons Who Have Recovered. A group of eminent .Japanese (lo( tors has been busy studying rat-bite fever ever since Feutakl, Ishiwara and their associates reported two years ago the discovery of the microbe that causes it. This is a spirochete. so called because Its form is spiral or zig-zag. Several types of this spiro chiete were found in men who had been bitten by rats, and in guinea pigs that had been experimentally inoculat('(1. These were identified by Futaki as in all probability Identical. Doctors Renjiro, Kaneko and Kikuzo Okuda of the Imperial university In Kyushu. F~ukuokca, ,Japan, contribute to the Journal of Experimental Medi e'ine a confirmation of Fitakli's belief; )octor Rokichi Inada c(otribautes a description of the disease ; Doctors Yu takai Ido. Rokuto Iolt, Hiroshi Ito and lidetsune VanIl describe experiments that prove the rat to be the common carrier of the Spirocheta icterohaemor rhagicn. as the microbe of the disenas is called ; and Doctors Yatuka 1d, III roshi Ito, Hildetsune Want and Kikuzo Okuda discuss the possibility of pro dlucing immunity. The latter go into details of thelm experiments and come to the conclu sion that the "serum of persons wvh' have recovered from rat-bite fever con talns an iimmune body which destroy: the spIrochetes of that disease." TIhe importance of these articles lie: In the final proof that this spirochete is the caus1e of thme fever, that rats ar< the carriers, and that tihe disease cam be cured. Minimum of Waste.. "No waste, nowv, ma ; no waste. WI all gotta help." "You attend to your own business, snappel)d ma, with some acerbity. "Thb I n)ly thigs I throw away are tem leaves and( egg shells." The man who borrows trouble I generally pretty good about paying I Iback. Eat When you eat c boys in France. Corn is an admix Whether or not Cake", or corn p n d Poi n The newest wri white corn-a si y and costs but a 1 d Make P< M KI US, ~ DOM SO akes You Sick and You Los i Better Than Calomel any (omen, Children-Read Gi )ur druggist and sour stomach c 1 a great falling- Tone doesn't g hey all give the day like calome one is taking its Take a dose you will feel si< ple know it while a ,day's' work I I gives better re- Docison's Li iggist. Dodson's You'll know i anteed by every wake up with >ttle costs only 50 bowels clean, b take the place of You will feel c have only to ask for a hard day You can cat ;ant-tasting, pure- of salivating y to both children Get a .bottle ig'ht and wake up on my guarant biliousness, ague, of nasty, danger Willing to Participate. WVillard was inpping vhen his young brother canme and begged him to pla; train. With unusual Indulgence h, said, "All right, I'll be the sleeping car," and continued his rest. To Drive Out Malaria And Build Up The Systen Take the Old Standard GROVE'* TASTELESS chill TONIC. You know what you are taking, as the formula ii printed on every label, showing it i: Quinine and Iron in a tasteless form. The Quinine drives out malaria, the 'Iron builds up the system. 6o cents: No Other Place Woud Do. A dentist, who had been made nerv ous by frequent burglaries in hi viclnity, was somewhat startled recent ly by having a man come regularly a the saine hour every evening and si on his doorstep. He finally suggestei that, if It would be all the sanme t< him, he would be pleased to have hin divide his attention and sit on somg neighbor's doorstep for a while. "But it wouldn't he the same, shouted the visitor, "nor anythlig Ilk it. You tare a dentist, and I have i aching tooth that I haven't the cour age to have pulled out. I come her every afternoon trying to make up in mind to have it out, and an soon as come In sight of y'our house it stop - aching, but when I sit on your door step, and the confounded thing know It can ihe pulled out If It gIves i trouble, I lhavei somec rest." Being Just to Husband. Mollie hiada very pronounced liden regarding~ the rIghts zandl wrongs of he sex. "Doan't you thInk, Saille," she uasket one diay oif heri deairest friendl "Ithat womian should get a man's p~ay?" -"WVel," replIed Sallie, aitler a am mnent of delIberatIon, "I t hink alh should let -him have ear fares ani lunches out of it."-Youath's C2ompan ion. Happy Thoughts. "WVhat was uppermost in youru min the first time you wenat 'over the tol)?' "I seemed to hear someone saayin; 'Doesn't lhe look natural?' " More C orn instead of wheat you able cool weather food. you like corn bread, cor one, you are sure to like Toas nkle in corn foods-crisi ibstantial food dish with a :rifle.. }st Toasties Yours1 tNOj e a Day's Work.-Dodson's is Harmless for arantee! r clogged bowels. D'dson's Liver ripe or cause inconvenience all next 1l. of calomel tonight and tomorrow k weak and nauseated. Don't lose ver Tone is real liver medicine. t next morning because you will your head clear, your liver active, ' reath sweet and stomach regulated. lecrful and full of vigor and ready s work. anything aftervards without risk ourself or your children. of Dodson's Liver Tone and try it ce. You'll never again put a dose us calomel into your stomach. Adv. Over the Fence and Out. At the Gibson county fair at Prince v ton there are places where the fences L must be guarded to keep boys and others from swarming over aind in, siys the Indianapolis News. This year one of the amateur policemen appointed for a long strip of fence sat down in the shade and fell asleep. Ben Murphy, president of the tissociation, chanced to see a long, gangling youth climb the fence there. "You'll have to pay or get out," he told the youth. "Got no money ; guess I'll get out," was the response. "No, on second thought," said Murphy, "I'll let you stay in on condition. You go wake that policeman and tell him you climbed in over the fence." "Shucks, tht he'll throw me out." t "Try it, anyway," stid the presi t dent ; you'll get to stay." Long Boy didl as bidden. "I climbled over the fence," he told the aroused watchman. "What !" exchisltingl that individuaL. "Then right out you go." IHe dragged the youth towardt a gate, but the youngster yelled lustily to Mr. Murphy and he cane up. "1'm putting this hoodlum out," ex Spiined the policeman; "lie climbed the fence." "ie said he did," snapped back the association head, "but I told him to stay and have appointed him to keep s you awake. Turn hin loose." ^.Long oy 'saw the fai,. but no more of his kind got over the fence that (lay. Fastidious Eater. "Alas I" said. the drummrer at the din ner table, "kindly look closely and you 1will observe four flies swimming about in my coffee." "Too tiue," replied the gentle wait ress of llucekahuck tavern. "It is In deed unfortunate, sir, but if you will ,let the cupI set, or sit, as the case may b~e, for a few minutes the insects wilt drowvn and then sinkc to the bottom, and you will soon forget all about them. H~owlyehuaveyer-eggs?"-.ludcge, ' Piactice doesn'talysmk c Sfe,)Uitmkssome lawyers and doctors wealthy. orn! are saving for the n muffins, "Johnny ties bubbled flakes of n~ alluring smack 'ar Cereal '4