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^HHHXBf ?n-'?-" " Gavernor Manning Presents His View in f Letter Af dressed to femes A. Cofiefd, , . Well-Known Insurance Man V ? 4oJ?%eresjq|?m> *ui I Ml' . 1 ui.''"' mmtmrnffffm rtnauurg Herald, rar ear R. 1. Manning has ad a Jette* ef *f r. James A. Co? la, ?ot-a of the leading insurance itp of thla elty, in response to a of inquiry, in which he goes tee matter of insurance legis ?a \ thoroughly, presenting hie ?w? *wA tnoraabjeet. The governor's ^grven out here yesterday by. Oeeeld fellows: ? Jas A. Co fie Id. Spartanburg. 8. C. In reply to your 'nquiry wse Are mauranoe situation of Carolina and my attitude In to earns, beg to advise that fit Usj convening of the last heard quite a let of tw the fire Ins ur? gentes hi djnnth Carolina. Dur tan eeeeten ef the genarai aseem Urie df -unaton took the form of Hitrwiecod la the house and csalmett >*y a great people that flrW Insurance rates nwatii Carolina warn excessive and * discrimination was practiced, cat** of this alleged dtnorlmlna amt eaeneatcn ratee wan enJd to been hecejuac of na alleged intention among the companies Una protection, and that thla ?entered In* * com~< ;?#Jf control the Are inaorWcV In \Seuth Cnrohae These; and statements resulted wjr the legislature of it Mrtown as the Lsney-Odom law. The Journal of, the shows that thla bfJi passed the r*# a vote of ?- to It) and In te> nennte on final passage the vote, atjeoseftrsj senate JoemaJ wan It to 1 *?nla bin waa then sent to* Made* * Been request** by inter-' that they be given aaf .alfy to preeent arguments tor the approval of this act, I a date for this hearing.' Quite n^number*Vf'gentlemen Interested In tn> Inataranee basinees appeared at any ofBce and presented their argu ssanta again id she approval of the ant. On the other hand, the Insur? ance Co earn last oner, who es especially charged with the conduct of the In snranee ae^mrtaamt of the State, pre? sented arguments favoring the ap? proval of eha not I listened to all asgumeata with an open mind. l learned 'that practically the same ar? gumenta presented to me against the appro**) of this act had been pre? viously presented to the members of the leejtslatfsn committee* betone its passage. It was stated that In case the act esaa approved. It wne gener? ator battered that the companies would withdraw from the State. The Insurance commissioner gave It as his opinion that this would not happen, bit In case the companies did with? draw he ehought that other compa? nies could be Induced to enter the ?eats for basinees and that there wfiuld be no serious Interruption along this Mae. 1 did aet deem It my duty to decide whether or not the compa? nies would withdraw. The only ques? tion before me was whether or not ?eine valid reason for disapproval had been presented to me that was not known at the time the act was pass? ed. The legislative department enact? ed the law. and unless it could be clearfy shown that the act was un? constitutional beyond any question or that the members of the generul as? sembly *w*r* not rn po*?e?alon of the farts that were presented to me. It wgui clearly my duty to accept the jOdgmen* of the large majority of the members of the general assembly and segn the act I did not deem the arguments against the approval of tat? aet of etch nature and strength as to con vthce mt that It would be Improper far me to slfcn name. I do not deem It proper for the governor to refuse to approve an uct baeause of his ersonal opinion as to tat wiMtom. The governor should ' have due regard for the wisdom and art lop of the people's representatives I the general assembly, and regard Ices of what might have been my iSvtftonal fee I rn re to Influence me In ta* performance of my official duty. Since the approval of this act, I Have found that the predictions of n ntimber of people that the companies Would withdraw have proven correct. | aVaetlrolly all of the tire insurance dompanleri have withdrawn from the gCute. Only a nmall percentage re rnalnlQjC and renewing their )lcennoH Isrecognlse the fact that the agents or these com pa ii lee that have withdruwn ?geyeelel lean by of the fact that their business has been disorganised. I realise further that possibly others have been em? barrassed financially by reason af the fact that they have not been able jto secure adequate insurance protection. Home time ago. while in .Washing? ton on official business .In connection With the war department, a gentleman whom I know personally stated that be would gladly arrange for a confer? ence with the emelals *of seme of the larger tiro Insurance companies in ^ew York and ,1 requested him to do so. I then went to New York from Washington and conferred with these gentlemen in reference to the situa? tion. 1 found these gentlemen very ?frank and courteous In discussing this matter. .1 found that they felt that as a business preposition ?Jiey *coujld not continue to do business.in South Carolina under the present,law! There seemed to be no dlsposttqn On1 thdir part to punish the people of our State, and they were very Crank to say that while their business had net been profitable, yot from the stand? point of sentiment they disliked to break their agency connections, prac? tically all of which had been person? ally pleasant. As an evidence of the fact that they did not wish to purdah au? people they stated that they would not onenclso their right to cab eel the do holes that were written und Hl force bet?re their withdrawal. ? My position has been that Inasmuch ae there Is so much complaint as to rate making, It would be but a prop? er step for the State to maintaln a ire insurance rate making bureau. I have carefully worked out a [Itn along this Hoe* As a matter of fact, the insurance laws dt South Caro Ina eooukV to* oomp+etely revised iad brought tip to the requirements of modern business life. In recent years other States have given greet thought and study to these questions and havo revised their insurance lawn tn such manner that the companies and the assured are given fell protection un? der the law, and all parties look upon the matter as strictly a business proposition. 1 This Is as it should ho. Fire msgssjnee 1s a business metner. A company sells indemnity against loss and should charge therefor such price or rate ae is equitable and just. 1 dm unalterably opposed to uny.com I i nation In restraint of trade or com? pact te contra! the price of any .com moditly upon which the .public le de I*endent. Fire Insurance raten should be In accordance with the losses and expenses Incurred together with a reasonable profit on the Investment by the stockholders, at the same time, laying aside a reasonable amount to proviso for conflagrations. We have learned that drastic leg? islation will net accomplish good re? sults unless such legislation takes n to consideration sound business pr n clples upon Which a business should be conducted. 1^ favor laws that wai iprevetu combinations or compacts. A :*tate latlng bureau p ./ conduct ed by competent business men will { solve :nis problem. The lnsururce companies will In my judgment Ife glad to return to the State under suofi a bureau. When the Insurance laws of South Carolina are revised, I sug? gest that the recently revised laws of Now York, Pennsylvania and Ken? tucky might he used as models on which our laws could be based. The | vn-called valued policy law now on | the statute books of South Carolina is! in my judgment an Incentive to in? cendiarism and a protection to the ?dishonest man. This law should be | repealed promptly und I shall so roc- | ommend. Oaf of the greatest problems befr.ro I the people of South Carolina today is not so much the securing of Insur? ance as Is the reduction of the f.re looses In the State. Fire wasto tn South Carolina h;?s been greatly In? creased year by year. This can be remedied hy the exercise on the part of our cltiscms of more care, and more i inid inspection by the Bremen. The exercise of ordinary care will prq l oitt serious tire losses. It Is so muoh < -. Hier to prevent u lire than to ex ItMigui.sh one after It Is begun. Pros? it rty that, is burned is forever gone, und the insurance collected does not > Irepmce the property, but is merely the contributions from others who > ive no! sustained losses. I expect to hold another confc; ?'ice with ttje insurance officials tin llutter part of September, and after It'ils eonforenoe I hope to have defi? nite Information as to the attitude ni tue companies. Of course, insurance legislation like ull other legislative matters, must W 'OTnolSa' 'By The Ti 1 em?ers ^ oTTKT general assembly. I can make ? .no promises as to what action the next general assem? bly wm take in,,1'clea-cage to those matters. ; But I* shall, of course, make such reeevmnendu'tluns as in my Judgment are proper, und will -to d u> a satis? factory settlement-cf the difficulty. I believe that my refleromenrtatlons will bring results. Yours very truly, illchard *. fanning,. Governor. Aftermath of The Storm. Manning Times. It was Si s|ght worth seeing to go down to the St. Paul section and look at the red water which backed out into the low lands four or five miles from the river swamp and coverd thous? ands of. acres of crops and woodlands in Sight of the Lev! store. The writer paid a trip through that section to look at the sights and to get a line on the situation as much as possible con? cerning the crops. TTrom the Levi Store at-St. Paifl could be seen a vast body of water, Hko a large lake, cov? ering fields and woods, with boats plying'on it, and houses surrounded ffiih twator, some Inhabitants having ?moved put, while others remained at home with wart er up lto .tine steps, Mr. Jqe.Ktng was .surrounded, but remain? ed at home.while, :his fclonds would go to see him in boats. It is out Of the Question to attempt to describe the many places which were covered with water betiweeji -St. .Paul and the river swamp, as hundreds of acres of crops .were covered with water for days, and.the damage will go into the many, thousands. At St. Paul and Remini people were coming from far and near, In cars, buggies.'and by wagon loads to see the great sight. It looked as If they ^ere going to a great camp meeting. At Remini, the waters were turbu 'lent and raging, end at this little place many visitors from far and near would, oTOuiregate every day to see the sights. One could walk, for perhaps a fharf,mile Into the swamp on the rail? head track, on the edge of the enbank rraent. before he reached the place, where ,^he tracks were covered, with, the raging waters down on both sides, of him. The disrajice from the Clar? endon hill across to the Orangeburg hill Is some five miles, and through the right of way across the swamp'to ?fhe Orangeburg bill there waS a beau? tiful pamorama presented, like the. 'harbor In Charleston or some other ?arm of the sea, as the winds made the ?water ?serge into waves and sparkle In the sunshine. Several hundred-ioad *ed cars. had ibeen .placed along prac? tically tho entios distance where the track was covered, and at some of the -planes we learned that the waters rose over the tracks hteh enough to run through the box cars and that boats .were 'paddled through the box cars standing on the tracks. Telegraph .poles and wires in the swamp wero completely covered, and engines with steam hp all the time were kept hitch? ed to the cars to pull as many of them out as possible and save them in case the trestle began to give way. 4tev. C. C. ?Brown 'to Compile Report. The Rev. -C. C. Brown of 3517 Cy ?press -street, Columbia, recently elect? ed statistical clerk of the South Caro? lina Baptist convention, Is correspond? ing with association clerks in the ef? fort to compile on Interesting and use? ful report. Dr. Brown was for many years pastor of the flourishing con? gregation at Kumt er. Afterward, on assuming the care of the aged minis? ters' relief work, he moved to Beau? fort. Some months ago he settled in Columbia, because of the capital city's advantageous situation from the! standpoint of one obliged to travel considerably about the State.?The Columbia Ktato. " 1? *? .rW Wateree's Waters Cut New Channel. Columbia. July 30.?The Wateree riven*, during the* recent flood, left its own course and made an entire new channel, according to the report of United States Engineer Towles who has Investigated the river. This de? tour of the river will prevent the re? construction of the wushed-away Ker shaw highway bridge at tts old site, unless a vast amount Of money is ex? pended for its rebuilding, stated Com 'mlssloner Watson, of the State de? partment of agriculture, this-morning. Tho highway bridge crossed Wateree river at a bend. The. flood waters of the river cut through this bend, and Ahe old southern approach to the structure Is now in the middle of the ?stream, which is. twice the breadth ? bat It formerly was. What was once U?e channel Is now holding the .back? water of the river. It Is thought that the reconstruction of the bridge ?it this point will be Impracticable; that It should be erected above the Seaboard trestle, should Kershaw county vote a new bond Issue for Its rebuilding. New York, Aug. 1.?The Bremen is due to reach American wnters on Thursday. The announcement was made by the same agents that an? nounced the coming of the Deutsch? land? Nl?W VAm IN GREENVILLE. Board of Health Again Puts Into Ef? fect Rigid Piccuutloimry Regula. tlOUfe. Mit t Greenville, July 31.?A new case of Infantile paralysis, reported this after? noon, resulted in a speoial meeting of the board of health and the adoption Of a resolution putting into effect again the extraordinary precaution? ary regulations to prevent the spread Of the disease. The patient, whose case was reported Sunday afternoon, Is the child of Lieut. Guy B. Foster, of the coast artillery battalion. , *?> CELEBRATE (BIRTHDAY. Aiuiivc i sm-y o! (General Sumtcr's Natal Buy Will Dc Remembered. Stateburg, >.July -'Wc are re? quested to state that the observance of-the anniversary of Gen. Sumter's birthday will, as usual, be marked by a. picnic on the grounds of the Gen. Sum tor school house, which will be held from 10 o'clock In the morning until 6 o'clock in ?the afternoon. There Will be no general table spread. It Will be a strictly basket affair. No orator from a distance will be Invited, hut those In attendance will call for yemarks from persons In the crowd, talks to be only a few minutes each en some practical question of timely Interest. ? There will be many kinds of amusement after dinner. Music, vo? cal and instrumental along with all of the exercises and a colt show at the Close. ? .? ... A large attendance Is expected. JIERCURA ?OES OT, ICE ALSO. Pealers Raise Price While New York Swelters in Hottest Day. - New Yenk, July SI.?-This was the hottest day of the year In New York. The mercury reached 92 at 3.30 p. m. . More than a score of persons ware prostrated. Excessive humidity which .reached $9 added to the suffering .throughout the city. Relief is expected from thunder showers tonight. Ice dealers today raised their prices. Restaurants and cafe owners were notified that the rate to them had Jumped' from .17 to 20 cents n .hundred. uu ? ? ? ? ? ? ? "' ' /DEATH DI E TO ACCIDENT. GjgpfpivUIe Man Killed hy Automobile - .? ' (Driven by fF. II. Shuler. Greenville, July 29.?J. T. Ellis, ogod ?ttL years, I was knocked down and killed this afternoon by a car driven by the Rev. F. H. Shuler of Columbia. Mr. Ellis was taken to a hospital Immediately after the acci? dent and died there several hours later from concussion of the brain. From all reports, the killing was an accident, for which no one is specifi? cally, to blaime. The coroner's inquest will be held Sunday morning. The Rev. >Wr. Shuler, a i Methodist minister, gavo himself up and is in the custody of the county officials. Mr. Shuler formerly held a charge'in Greenville county. BANDIT HUNT PtfU. Texas ltflsjejem and Troops Search All Nlglft. (Fort Hancock, Toxaet, Aug. 1.-* Rangers and government line riders hunted all night and early today for the bandits, who escaped after the olash yesterday. They were unable to tlnd any of them. They are oeeklng a Spanish woman who engaged the attention of the Americans at a hut while -the Mexicans shot them in the back; ?.... ? I... fip " - (DEUTSCHLAND TAKES PILOT. Believed ?aurt <2cmun submarine Will Laave Today. Baltimore, Aug. 1.?Owen Ooleman, an expert Chesapeake <Bay pilot went aboard the Deutschland today. He was sent by the Maryland Pilots' As? sociation at Captain Koenig's request. Coloman piloted the Deutschland to Baltimore from Norfolk and it is be? lieved she will leave late today. PLEA FOR CASEMENT., Philadelphia Wants Government to .Inforccde *for Conspirator. Washington, Aug. 1.-^-Michael F. Doyle, the Bhllndelphiu attorney w ho aided In defonse of Sir Hoger Casoinent at his trial, called at the White House today and told Secre? tary to president, Tumulty, that the British people are keenly .Indignant at American efforts to save Casement. Doyle asks If the government cannot plead for Casement, saying it Is the only way to save him. JULY BRITISH CASUALTIES. hi AU War Areas 7.UKI Otliccr* and 52.5?! Men. London, July 31.?British casual ties reported in the month of July In till the war areas totalled 7,084 offi? cers and 62,691 ment I1A>S CLOStt CALK TO DKAT1I. E. J. karrick Narrowly Misses Strike of Kattler in Santee Swamp. E. J. Kurrick, a well known timber estimator with headquarters in Sum tor, last week, while in the Santee swamp near Remini, narrowly escap? ed death, when a monster rattler made a strike at him, but just too late to catch his foot with his deadly tangs, for Mr. Karrick saw the snake, In fact felt him move under his toot, and jumped back just in time to es? cape the blow aimed at him. Mr. J. F. Holton was with Mr. Karrick at the the time and the two speedily put an end to the reptile. When the snake was killed he meas? ured rive feet nine inches in length and was seventeen inches in circumference and had eighteen rasttlcs. Mr. Karick now has the rattles with him as a trophy. ?WATSON ISSUES ROAD MAP. Highway Guide for South Carolina Will be Distributed. Columbia, July 31.?A new highway map of South Carolina has just been issued by E. J. Watson, commissioner of agriculture, commerce and indus? tries, and is to be generally distributed at once. ? A definite color scheme has been followed that the casual observer may be able to discriminate between national. State and sectional highways. Another distinct feature of the map is the preservation of the historical background. The Indian paths and public roads which obtained in .1777 have been traced distinctly and prop? erly marked, this being reproduced from the famous Mouaon map of that period.* These routes were the only avenues of transportation at that time. Sites of many of the battlefields of the Revolution have also been marked in red lettering, and other spots of ?unusual historic interest, together with the dates arc thus recorded. It 1? proposed to erect suitable markers along the arterial highways, giving distances and directions to these points. All the principal connecting public highways have been traced* in black ink. Only roads that may be used by ?motors with some degree of satisfac? tion have been mapped; only the ave? nues usually designated as main high? ways. Distances between all places of importance on the highways are designated. The color scheme employed In the ? road making system, by painting vari? colored bands about telegraph and telephone poles and sign boards, fol? lows: Red and white bands on the Appa? lachian highway, leading from Colum? bia to Ashevllle, by way of Newberry, Union and Spartanburg; the State col? ors of white and blue for the Old State road, between Columbia and Charles? ton; red, white and blue, or national colors, for the New York-Florida highway, which leads into Columbiu via Cheraw and passet? into Georgia by way of Alken and Augnsta; green and white for the Piedmont road, botween Columbia and Ashevllle, by way of Newberry, Iwiurens and Greenville; red, white?a>rtd yellow for the Carolina highway, between Columbia and Char-, lotte, by way of Camden, Kershaw and Lancaster; black, white and yellow for the Coast highway from Columbia, through Sumter and Kingstree to Georgetown; green, white and yellow for the Pee Dee highway, from Co? lumbia to Camden, thence to Florence and Con way; black, white and red for the Trans-Montane highway from Co-, lumbia to Laurens, Anderson and Wal? halla, thence Into North Carolina. SUICIDAL ACT, SAYS JI>RY. S. d. WlUhwns, of Do!ton, Killed by Jmerurbon Train. Anderson, July 31.?S. J. Williams, aged sixty, employed in T. A. Wil? liams' store at Belton, was today crushed to death by an interurban train on the Piedmont and Northern, as it approached Belton. Coronsr Hadden mad? investigation and de? clared It was a suicidal act. The tragedy was witnessed by several per? sons. Mr. Williams was a good citi? zen. He is survived by a widow and several daughters. Greenville, July 31.?Mr. Williams was formerly a Greenville county com? missioner. According to reports re? ceived here, Mr. Williams* head was severed from his body, which was dragged about thirty feet. He was about 60 years old, and It seems he had been in ill health of late. He Is survived by his wife and sev? eral daughters, three of whom are married. Russians Gaining in Cnliclu. London. Aug. 1.?A Rome wireless says that Gen. von Bothmer's army has been enveloped by a sudden Hank movement by the Russians In Galieia. The collapse of the Austro-German defense in Galieia appears to be im? minent. The British are holding the ground gained in the Somme region. The general situation Is unchanged. Artillery duels continue throughout the night PITS COTTON 7.4,4 1*1 :IC CT, _ Poiiriml ui i <>nmi< t?r Ito|M>rt on Con? dition of Crop. New York, July II.?The condition of cotton on an average date of July -H, as compiled from 2,100 special re? ports to this paper, was 74.4 per cent, a, detrioration of 4.2 points from our report of ? month uro, when con? dition was 7S.C per cent. In 1015 it was 7 7.:; per cent; in 1M4 it was 78.8 per cent; In If 13 it was IM per cent, and in 1?12 it was 77.1 per cent. There have been extremes of weath? er condition throughout the belt, the Carolinas, Georgia, Alabama and Mis? sissippi having received excessive rain? fall, while nearly all other States are ?beginning to need rain badly. While boil weevil States* are rather heavily affected, their ravages have not been great as yet. but August may tell a. different story. Other Insect damage is practically nil. The season is etfll quite backward, averaging One to three weeks late. BABY s( OL'RGE AT TCCAPAU. Case et Infantile Paralysis Reported Near Kpartunburg. Columbia, July IL?Dr J. A. Hayna, State health officer, has been notified by Dr. S. B. Moore, of Tucapau, near Spcrtanburg, of a case of infantile pa? ralysis there. The case was reported on Saturday, and the patient was dead on Sunday. This is the fourteenth case that has been reported in this State. The State board of health, in co? operation with local State board of health, have put the churches, Sun? day Fchools and moving picture show* of Spj.rtanburg under, strict quarantine for all children under It years of age. The new regulations of the State board of health requirng that an offi? cer of the board shall i ispect the in? stallation of all new sewerage in the State has made considerable work for the State health officer recently. He reports the facts that many new cot? ton mills are installing extensive sani? tary appliances. BIG STEAMER CAPSIZED. Disaster With. Forty Casualties tn South Pacific Santiago, Chile, Aug. 1.?The steam? er Ecuador is reported to have been capsi'xed off port of Constitucion and forty persons drowned. Germans Trying to Stop Advance on Peronne. Paris, Aug. 1.?The Germans have shifted their attacks ngainst French to the south of the Somme in an effort to stop the advance of the French against Peronne. The attack at Linens was repulsed. The bombardment at Verdun is increasing in violence. FOR KENT?My furnished home, for summer, in the mountains, Lenoir, N. C. Cool, shady; no dust. S. A. Grier, Hickory, N. C. Geo H. Hurst, UiUrtttif ui EHilnr, J Nt|MUSM? at j.o.*efStrdsj<?***,? ei.' tt*i? Phones STjJt^oi inminiiiimnmnnmmnmmsiiiiimtp* THE SUMT&R Beg to announce they have completed the Installation of their modern ?OJlmrrel Floor Mill, and are now prepared to grind wheat, and will guarantee the quality of Hietr w<nrk equal to any mill in the country. We grind up each lot sep? arately and In turn, and gnsfi'BJtllec to rrive hack the actual product from each port leu lar lot of wheat, so you can eat your own bread. Mr. J. W. McDonald, our Superintendent, is an experi? enced mill man, having near? ly twenty years experience In the manufacture Of flour in Virginia nnd North Carolina. We charge only 1-8 toM nnd guarantee to give yon A Fair Square Deal. We have s|?eelal milting-in-trnnslt rates to nil points. WE WANT YOUR BUSI? NESS AND YOF NEED VS. Write for Full Information. J. W. M'DONALD, Sui>eriiilendent. PERRY MOSES, SR., President. iHimwmmiMMimminM