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Exeter Advocate, 1906-3-29, Page 3+ i 4- 3k+ i ;.col. Alt-lR++U(+f(+ l+00+3 + ci—fni ' )+.): +3 +L,+;n(+) +?Cit TNF HUR OE 8NTLEIGH OR • s TliE STEWARD'S SON WA+A+ E+ €+•:404.3 +0+•i1+t -O+A+3tv+V+3 +0+3 t0+ti+ i+ f+1 CHAPTER XXXIX,—Con.. Nor'att found her old room ready for. .hot', and Harman waiting to attend upon her as of old; and in condition of won- ;derment beyond description, she changed her travelling dress for an evening one. The sight of Harman awakened all the .painful 'memories connected with Been South. She asked gently if Harman had :heard any tidings of the lost giri and 'Harman, with a sigh, shook her head. "No, my lady -no, ma'am—not a word, and— She was going to add, "I shall never hear of her again, but ,did not wantto sadden her beloved nets- -tress, and ()hanged the subject.. Presently the big on resounded • through the house, and .Noraid went down -to the .drawin room. The Ferndales were there and Jack, but not Cyril nor Mr. Pothorick. Norah looked around. "He is not here yeti" said Lady 'rern- + dale,. taking her hand and, drawing her to her , almost protecting -1y. "Are you. vole,- , anxious- to see the new earl, Norah?" - Norah smiled. A kind of presentiment. -of some approaching surprise and climax -suddenly fleeted upon her, but It . was vague, and indefinite. "Are not you?" she said. "What does it all mean, and why does he conte in -this mysterious manner? Where is -Cyril?" "He will be here directly; .he is- in the library with Mr. Pet heriolc," said.. Lord 'Ferndale, crossing over to her, and tak- ing his place ..estae her, also with an air of supporting and encouraging her. "Ho has something of importance 'o communicate to Mr. Petheriolc—•" "About° the earl?" she asked, her brows coming together with a puzzled eipres- , sion- Before Lord Ferndale could answer, .the door opened, -and the butler, with a look baffling description, said ; "Lord . Arrowdale.,, Norah started, .and held Lady Fern- -dale's hand tightly, and looked toward the door, but she saw no one beside Cyril and the old lawyer. , Then suddenly she caughta glimmer- ing of the truth from certain.'expres- sten In Cyril'* face. .The next instant he was by her side, and had got both her lands in his. "AroYo surprised; u ' so • rised, sur dearest?". rest? : he • nturtnured. • "Ann I? Cyril!'. broke from her, as site clung to hint, . her. lovely eyes searching his face. "Are you—?" "Yes, countess!" said Mr. Petherick, with a slight emphasis - on the title. "The elearl of Arrowdale, for whom 'we have ebeen loolcing so long, is none other than your husband, Mr. Cyril Burnes" Norah uttered a •faint cry, and teem - 'bled a little; and then, as they gathered round her, and, ail talking at once, be- gan to explain the mystery, the tears :rose in her eyes, and, half laughing and :hall crying, she hid her face on Cyril's :breast. They were all excited, and the old :lawyer certainly not the least. "Of course. I have been a blio,ct old •idlotee he exclaimed to Lord Ferndale, "`or I should .Have. guessed .the truth long •ago. Bute:you 'see, we lawyers are. not .accustom : to romance,. and -and it nfvsr. ' occurred to me that Mr. Burne •could • be •other than bo represented: him= se1fT ' If I were '.to'try and ten you how glad I am that ,things aro as Lhey are I couldn't do it! And he laugttod, and toughed; and • nodded to one and the other. "Ne need to trouble about that money now, you know, Lord Ferndale," and .he. chuckled. . "The' money the late earl left to Nor - said Lord Ferndale. "Yes; eyes!" assented • the old Man. "\Ve shan't'dispute the will now. Lord Arrowdale won't be .troubled by use IIe may lceep.11` and • welcome.' Cyril heard and looked round. "It is not Lord Arrowdale'* to keep, Mr; Petherick;" Ito Said; with a laugh. "Will you take charge of this for Lady Arrowdale, please?" And he handed hien Abe long blue packet in which he had in- closed the marriage certificate. "Open it, please." �. Mr. Petherick opened it, and hastily read the gaped inclosed. Then he held out his hand with an impulse of satis- faction and approval. "It; is, a deed of gift to Lady Norah ef all that the will gavo herr" he exolafined. "My lord," and he bowed to Cyril with an almost solemn formality, "permit me to express my conviction that in the pre- sent holder of your ancient and honor- able title your house has a worthy and noble representative." There was more handshaking and talk- ing,t last but, a L of d Ferndale Weare renthzded the rest that dinner was waiting—and spoiling --and Cyril, relinquishing Norah to hint, gave his arra to Lady Ferndale. As the door opened they saw Lhat the hall was full of servants, Tho butler had borne the startling news of Cyril's _Identity to the servants' hall, and, in rt Miler' of intense excitement, they had gatllercd, together: to give him and his beautiful .Wife a welcome. Not for toeing years had the vaulted roof rung With such cheers as rose When. . the: party came out from the draw- ing -room into the hall, and it was not until Cyril had led Norah forward, and spoken a •low heartfelt words of greet- ing roct- ingg and thanks that the party wore per- nlittetl'to go in to diviner. Anel long before' the meal was over was heard the but% and murmur of an ex - 'cited Crowd gathered on the terrace out- Side, feed Ilia news had spread through the tillage like wildfire, and the excited people had hurried to the Court to as- -°lain: for themselves whether the story I.a'',lert; true; whether, indeed, Mr. Cyril 13urrte were the real Earl of Arrowdale, anct beautiful- Lady` Norah, Whom they ilial learned to love, 'the countess; and it was not until Cyril had taken Norah oitt nolo the terrade and presented him- self arid her to the crowd that ie would consent to betake itself to the 4 tnerryrnalctng for wttlolt the Household had made hasty preparations. It was a night of wild eecitement. Some ready -witted lndtvidua.ls rushed oft to tite church and set the bells ringing, and others hurriedly built up a huge bonfire on the green, and soon the flames were spreading sky high, and helping thee bolls to preclaittt the horno-coining of the young earl and his bride.. With her arra within her husband's,. and surrounded. by their frlent's, Norah watched the red reflection et the groat fico . and listened to the pealing of the bells with feelings of profound joy end gratitude; joy. so perfect and ,absoebin©. that it is little wonder she forgot for th moment the existenoe of such a person as. Guildford Berton, of the mystery ate tending the disappearance of Rocca South. Indeed, not one of them, oxoep'ting Jack, gave a thought to the man whose base scheming had so nesely wrecked the life of the beautiful gird wheat they all loved. It was only he who r'entem- bered that Guildford Berton had:still to be reckoned with. • • CHAPTER XL. 'that evening, an hour before the ro- mantic arrival of the Earl and Countess of Arrowdale, Guildford Berton had wan- dered up the avenue attd gazed up at the great house, He had accepted Lady Ferndale's promise, and had waited its site had advised him. What could site have intended to imply, he asked him- self, but that Norah would come round to histerms, and was only asking for a few days' grace? What could she do but accept them? With all itis passion for tier, he understood her as little as the swine wallowing in its sty understands tate mystery of the stars. To his base mind it seemed just impossible that any woman should choose obscurity and poverty before rank and wealth. Yes, ho told himself in his solitary musings in the grim, desolate cottage, she would come round in time. Any day, any hour, he might . receive a message from Iter. She would come back and send •for him; and accept, his.terms. He should be the husband lel Lady Norah Arrowdale, and, •if not lord., of Santleigh, the owner .of the-- vast wealth left by the late earl.. And so he wuitec'�r waited with a rest- less, feverish impatience,intensified into an agony far past description by the hideous. secret which haunted .him.:: . All day he spent shut up in the house In which his crime had been committed, and which seemed a torture house and a tomb to him. It was only at night. that he emerged from the gloomy silence of the haunted cottage, and then he avoid- ed his fellow -men, and prowled about the dark lanes and round the Court. He heard of Mr. Petherick's arrival, and knew that he was staying at the Count, but he did not go near rum. Ile would wait, he told himself, until Nor- ah returned and sent for him. Then— well, he called up a vision of victory and triumph which almost made him giddy, and for the moment dispelled the dark shadow which hovered about him. This evening. he had sauntered up the avenue with his head resting upon his breast, and, suddenly raising his eyes, saw 'that the windows of the vast man - seen were full of light. He stood still and gazed, and his heart beat expectantly, and ho drew nearer and waited, his hands clasped lightly and .feverishly behind his back. Presently a servant came hurrying down' the drive, and ho stoppedehim. - 'Beg your pardon, Mr. Berton. You gave: me a fright, sir.".. • "What-- Whie,-„is tho place; lit ,up to i;igttt?” " asked Guildford .Berton,'egii- trolling his voice, and spealcinl as dram ly and composedly as he could. ' Theem in• touched . his lat. • "The new earl's coating, 'sir." Guildford Berton's hands gripped each other still' more 'tightly, and he bit' his' lip as he choked back the exclamation which nearly burst from him. . "The early" he said, wonderingly. "Yes, sir; quite sudden and unexpec- ted like. Mr. Petherick only hoard this morning. There's Lord and Lady Fern- dale and another gentleman there to meet trim. Beggin' your pardon, sir, I must be goin' en," and ire hurried off. Guildford Berton drew back among the trees. The news had. startled ani bewildered him. He had been so ab- sorbed with his one idea—waiting for Norah'*return and decision—that he had scarcely given a thought to thee young earl, for whom he had been leek- ing so long and fruitlessly. Ile paced slowly owlY down the aveinte, hurying back. "Do you know when the earl is com- ing?" ho asked. • No, the man said, nobody knew for certain; but It was supposed that he would .arrive to dinner. Guildford Berton hesitated a moment, then said: "Anel is Lady Norah ---it is not known when she returns?" • The man shook his head, doubtless wondering why Mr. Berton did .not go_ up to the Court and ask the question of Mr. Petherick. "I can't say, sir; I haven't heard tha. she is expected, even." Guildford ` Berton- walked cin and reached • the cottage. it was dark and gloomy and forbidding as usual, and he threw himself into the armchair beside the neglected flee, which was smoldering sullenly in the small, pinched grate, and mused. How long would it be before Norah returned and they could 15e married? How long Would it bo before he could leave this place, which he hated With 0 fear and loathing 'beyond words, and take her away with him? His wife'1 His wife t The vision dispelled for a space tate ,gleen5 which enveloped hint, and ho . sat muttering. "Lady Ferndale 18 at the Court; t will go and speak to herr, I'll ask her where Norah is, and how long it will be be- fore site comes. basic, She cannot refuse to tell ala. Yes, ell go to tete Court tee might. What does it matter to me that this yatme fool and vagabond leas come? I want nettling of hila, 1 want Norah 1 Norahl Nereid I will go up to-rutile-- fo-nighty";- .. Then he °rebelled lower over the lire, and warmed Itis hancls at the feeble, flame which he had succeeded in roue ing, and suddenly he was startled by tete crash of bolls. Ito rose, with that took on tile face which the .mart wears whose Mean is beginning to soften from constant brooding, and as he looked through the window a tongue of fire shot up and lit up the room. For a moment he stared, wild-eyed, then he realized what had ha.ppened.. "Curse the fools!" be muttered with, a snarl. "They'll wish they were tolling for his death or had got him on the top of a fire, before many months have gone," and he flung himself into the chair again. But presently, as if the voices shout- ing and cheering drew him int spite of himself, he rose, and, flinging on his coat, took up a soft wideawake hat. and, carefully locking the gate, went out. By this time the light from tha huge bonfire Was casting a mellow glow over the village, and its reileotion, red and blithe, could bo seen in *those windows of the Court in which there happened to be no light. As he entered tate village street he found a crowd of people tending to- ward the Court, as • a slrearn tends : to tho:sea.: He joined them half mecltani- Bally, and, in their midst,presently found huiiseff on the lawn just bettcatlt the terrace. • A stream of light poured from the dining -room windows. onto. the broad marble pavement of the terrace, and felt on the upturned .faces of the crowd; and the red glow from the bonfire poured from behind, them and seemed to mingle with the light from the window. The crowd was shouting all round him, and In the overstrained condition of his nerves he could not distinguish what they •were saying. "What is it the fools are yelling for?" he demanded of a man who stood be- side tthn, and who was, with the excep- tion of himself, the only silent person in the crowd. • Tho man started slightly as he heard Guildford. Berton's hard, sarcastic voice, and emitted a low whistle of surprise. "Hullo!" he said, olose to his ear, for tho noise was almost deafening. where. they stood, "you herel I should have thought you would have made yourself scarce by this tirno, now' the game's up. Do you mean to say you don't hear what they are shouting for? They, are calling for theearl. and: big wife! .. Take my ad-, vice, and follow my example," and with e. grin .he moved away sideways and was lost in the crowd, at the moment' Gilled - ford Berton recognized him—Furlong.. At another time• the man's sudden a.p- •pearanco• - and dieappearancc — and einister'warning would have hadsome offtt upon Guildford Berton ' but a strange mood possessed him .that night, and it may almost be said. that he ac- tually forgot the man thee moment he lost sight of hila. But the words, "the earl and his -wife!" haunted him. "Is the earl married?" he asked of a woman who had taken Furlong's place at his side. . She stared at him. "Don't you know that--" she began, them she broke oft to exclaim, "Wily, it's Mr. Guildford, bean't it, sir?" He stifled an oath, and got away from her end into the centre of the crowd, pushing nearer and nearer the terrace. "His lordship's at dinner, and won't come out, bless you;" said a man. "Oh, yes, he will; at least she will, Consumption ,41 There isno specific for .consumption...• Fresh air, ex- ercise, xercise, nourishing, food and Scott's Emulsion will come pretty .neat curing 'it, if there is anything to build on. Mil- lions of people throughout the world are living and in good health on one lung. 41 From time immemorial the doctors prescribed cod level' oil for consumption.. Of course the patient could not take it in it old form, hence it did very little good. They can take SCOTT'S EMULSION and' tolerate it for a long time. There is no oil, not excepting butter, so easily digested and absorbed by the system as cod liveroil in the form of Scott's Emulsion, and that is the reason it is so helpful in consumption p p n where its use must be continuous. send We t•wxll send you a sample free. q 13e sure that this picture in the 'iform of a label is onthe wrap- per of every bottle of emulsion you buy. Scott & Bowne Chemists Toronto, Ont. jos, soul ill; *0 drurttit* 4++1-+4+++++++++++++++ About the Farm + ++++++++4++++++.44+++++ WINTEIIING YOUNG CATTLE. Four things are necessary to insurer fair growth and good condition in young cattle during -the: winter, writes Mr.' ottn Begg. These are all within Ute•I power and roach of .every one to obtain if he so desires. First, shelter. Since our timber has been taken away live stock cannot be left out In open lots as to niut sufferingseri• sus.ferlosser andyears discomwithofort. Where tree owner has not sufficient barn room and to not able to build it. good shelter can be had by making straw sheds for them with but trifling expense, .Or, in the ab- sence of straw, warm sheds may he made by using fodder for sides and roof and this can be fed in late spring where the danger of cold rain or snows is pest. At any rate, sheds can, and. should be ,provided .far them so they may have protection in bad weather. Then they should have plenty of pure, clean water. Many farmers entertain the idea that stock cattle wild; not drink much In cold weather, This Is a mis- take. They aro eating dry fodder, hay nr Steaw, as the case may be, and they must havo plenty of water to assist na- lure In dissolving these dry foods. And they should- have it at will. By this means they will not be so likely tofill themselves full of cold water sufficient - Iv so to chili their entire system and make what should be a source of com- fort to them a source of 'discomfort. They should also be fed plenty of • forage either fodder or hay, clover or mixed preferred, and straw about all they will.. consume, with a small ration of grain once or twice a day. 'This grain may be fed in the shape of corn in the shock if any is grown on the farm small enough that. they can readily masticate it, if not larger corn may be husked and chopped' into small pieces with hatchet or corn knife so that the yearling steer can readily take hold of and eat it. Some farmers shell corn, others prefer grinding corn, cob and all and feeding in that way. This latter method requires more careful equipment and greater care in feeding than either of the two "other methods For calves, however, we prefer shelling corn and mixing one part oats to two parts corn. The young animal will do tetter and make better growth with Fart ration of oats than where corn along is fed. There is more protein in oats and the growing animal needs more of that,. However, If clover hay Li used, the protein in that will even up the corn and . fodder and make better rations. My son is feeding it this time ten head of nice 800 -pound yearlings in this WI. giving thein a small ,'ration of shock corn morning and evening with fodder all they want and clever hay oc- casion.ally. They also have all tate straw they desire. Their corn ration consists of about one bushel a day to the head This -would give each only about 5e1 pounds shelled corn a day in addition to the rough feed they get. The 'gain is, not largo nor would we expect it to be but their condition is good, they are do- ing welt and making fair growth. Abort April 1, the grain ration for these cattle will be Increased, probably doubled. and by the time grass comes they wIll ha in One condition to grow and tense on flesh during the spring and summer months. When this method of disposing of the forage crops of the farms is practised all rough feeds, such as fodder, hay and straw, is worked up into manure and put back upon tite land from whence it came. And we believe that young cat- tle, sheep or colts carried through the winter on rough feeds mainly, do not ray large profits for feeding, yet the in- cidenttrl profits coming from the business ht increased fertility and consequently larger yields of other crops, makes the feeding of forage consuming animals en the farms almost a necessity rather than a choice. And in these days of close competition •a.nd small profis in busi- ness farmers are compelled it practise such .meitiocts as. will give them maxi - nm • ressults at minimum cost of pro- ducing .thetxt. Little Cecil: "Mummy, do the mosqui- toes bite us because they like us, or be- cause they beet like us?" bless her heart!" was the retort; and Guildford Berton, wondering dully why the now countess, who must be a stranger, should e g o d se m so well known and already popular, pulled his soft hat further over his face, and waited. Presently a roar rose from the crowd; the diningroom windows had been flung wide open by a couple of footmen, an a stalwart man stepped out onto -the terrace, with a lady on lids arm. The light from the bonfire fell full upon his face and hers, and Guildford stared and gasped, and then laughed hoarsely. I•Ie must be going mad for certain, to imagine that these two must be Cyril Burne and Norah. Yes, that was it; he 'vas losing his reason. Then, as if in a dream, he heard the gentleman spear..' The words felt upon his ears as if they had been spoken by sonic one a mile off, and yet ho caught every ono distinctly. What was he say- ing. this man who looked like that hound Cyril Byrne O • "Thank you, my friends, one and all, for the kind welcome you have given us, I trust, none of us- will over forget this night, and that henceforth we are neighbors in every sense of the Word. Thank you again and again, not only for myself, but for my clear wito, whom all of you know, and whose heart is full of gratitude for your kind wishes." A mighty cheer rose, deafening, thrill.. ing. And almost before it had 'ceased Guildford Berton clutched the arm of the. man pressing against him. "Who—W116 Is that?" he demanded, hoarsely. rho Alan stared at hind, and Shook his hand off impatiently. • "That fellow, as, you calls him, mas- ter, is the young earl, the gentleman as was • Mr, Burnie, the artist; and that young lady is his wi.tb; Lady Norah as was. Murrell! Hurrnai!! One More cheer, b,eys t Hurrah!". ' (Ib be . eontffaued). 14. IF YOU VALUE YOUR HEALTH Dt ylon Natural GREEN Tea In'plaoe of the adulterated teas of Japan. LEAD PA1 KETS OILY, o'Oo, ea►v AT At -L GRo4,ER9, If1:GIIEST AWALItD ST. LOUIS, 1904. Grand Prize Competition A FOUR-YEAR UNIVERSITY COURSE, Il Y1ttP AROUND THE WORI.O, or fax,coco IN QOL'0. A choice of whit* we offer to the individual securing the largest number of subsoriptions during 1006 to The Busy iiau s Mazazine In addition to these prizes there are many otheta. Livery competitor can win 0.a. A cash commission will be given on every subscription, taken, every into being paid for his or her work. TNN *VAT MAN'% MAGAZINE is unlike any other, its contents area carefutaeleption from the best that appears in the leading publications of the woald. It is published by the proprietor* of The Ganediau Grocer, iiartiware and metal, gazdadlest Machinery The Dry Goods Review and other suoceosful papers—arid who are Canada's leading publishers. Subscriptions are not bard to secure --a bank clerk in Ontario took 25 in one weak by writing to his frlendo. "THEE .BUSY MAN'S MAGAZINE. is the best I have ever had the pleasure of reading." S. W. 1Vrett, Editor Yorkton Bnterprise. Send postal for particulars of competition to our nearest ofaoe. DO IT NOW. It maybe a glorious change in your career, fNN MaoLEAN PUBLIaNIN000., Limited, Montreal, Toronto, WInnldsg, or London, Eng' A zy :040: LI Assurance Co. of Camila 36TH ANNUAL STATEMENT FOlt THE YEAR 1905. INCOME Premiums ....$1,547,506 45 Interest and Bents 407,563 94 Profit and sate of Beal Es- tate 1,448 52 $1,956,51.8 91 ASSETS. DISBURSEMENTS, Death Claims $ 221,924 10 Matured Endowments 159,450 00 Purchased Policies 611,188 68' Surplus 87,928 35 Annuities _ . 9,422 56 Expenses, Taxes, oto. Balance S 348,491 Profit and Loss . 1,519 13 76 1,053,593 7 78e $1,956,518 911 Mortgages ' $11,265,533 SG Debentures acid Bonds , ... 3,245;401 89 Loans on Policies :.. ; ... 989.670 39 ' Premium Obligations 28,810 GO Real Estate...: ...... 56,281 uS Cash in Banks Cush at I'Iead Orrice Due and Deferred Premiums (net) Interest and Rents due and accrued In Income In Assets 257,730 37 4,230 23 272,121 08 177,312 65 $9,296,092 15 • LIABILITIES. Reserve, 4 per cent., 3Se per cent. and 3 per cent. ....$8,21Q,084 Me Reserve on Lapsed Ptiicies liable to revive, or surren- der• 2,400.31 . 64,680.0 Death Claims unadjusted Present value of Death Claims payable in instal- ments Premiums paid in advance . Amount due for medical fees Accrued Rents Credit Ledger Balances Surplus on Company's Val- uation Standard 35,654 90 14,378 4 5,883 50 805 1131 10,224 en. 952,001 1t< $9,296,092 10° . Surplus on Government Standard of 'Valuation, $1,261,905,00. Gains in 1905. $ 231,210 01 In Surplus (Company's Stan - 1,075,561 70 dare) $ 179,928 2S, I In Insurance in force 8,720,984 04t;; Audited and found correct. J. M. SCULLY, F.C.A., Auditor. GEO. nVEGENAST, Manager. DIRECTORS' REPORT. INSURANCE ACCOUNT—The volume of new business was 3,637 Policies for 86,014,576, being an increase over 19044 of 185 Policies for 3966,408. With the exception of $65,000 written in Newfoundland, the new business was all writ- ten within the Dominion of Canada. The total amount of assurance in force is $44,109,054 under 29,788 policies, being an increase over 1904 of $3,722,984. INCOME—Ther total income for the year' . was$1,940,518.91, derived from Premiums, $1,547,506.45; Lntcrost and Rents, $407,56,,p n•4, and profit .froth the sale. of Real Estate, $1,448.52. . PAYMENTS • TO POLICYHOLDERS=Tho payments to Policyholders con- sisted of Death Claims, $231,024.10; Matured Endowments, $159,450; Purchased Policies, 64,168.88; Surplus, $37,928.85, and Annuities, $9,422.56; being a total of: $552,914.19. Tho Death Claims which fell in during the year amounted .to $269,214, and though slightly in excess of those in the preceding year, were very light, and much below the expectation. THE EXPENSES AND TAXES were $348,491.76, and Profit and Loss $1; 519.18,'making a total of $350,010.94, or 17.8 per cent, of the total income. ASSETS The cash assets at the close of tate year were $3,846,658.422, and consisted of mortgagee, $4,265,533.86; Debentures and Bonds, $$3,245,401.89; Loons on Policies, $988,679.30;) Premtum obligations, 028,810.60; Real g Estate, including the Head Office building, $56,281.08, and cash in Banks and at Heed Office, $261,960.60. Adding to this the due and deferred premiums, $272,121.08, interest and rents due and accrued, 8177,312.65; the total assets amount, to $9,296,092.15. it, will be observed that, as in the past, we still continue to in- vest our funds In securities of a non --speculative character, and that we hold them on our books at their net cost, The interest on our investments has been very well met, especially in the city of Winnipeg, where on mortgages amounting to $745,555, the interest in the close of the year wasl n at 1 only 27 rear�.. 1n ar 3Y the province of Manitoba and the West generally there is a lendenoy to defer payment of instalments of principal on account of the desire to ptuthaso more land. Ali payments, both for interest and principal, have, however, been very well met, and were quite equal in that respect to the previous year. in Ontario and elsewhere tate Mortgage collections have boon exceptionally good, and at the close of tete year there was interest in arrear of only ,$16,317, the largest part. of which fell dee in the closing days of the year, and has since been paid. Tho active de- mand for money during the year Dept our funds well employed at, good rates of interest. The average rate realized on our funds was 5.1 per cent. THE LIA.B11JTIES were again computed on 'the salve standard as in former years, vie,; Combined Experience Table with 4 per cent. interest for all business up to January 1, 1000. From that date to. January 1, 1903, on theInstitut of Actuaries Table, with 3�, . per cent. interest, and tlhoreafter on the same table with 3 per cent, interest. The reserve computed upon this stan- dard of valuation ninounts to *8,210,004.24, and the total liabilities are $8,342,- omenover 1 li The Surplus c a l abilities t 091.03.of rte Company's standard of reserve; es o:bovo mentioned, is $054,001.12, be ing an increase for 1001 of $1.81.,028,205. On the Government standard of Valuation our surplus would be $1,203,905, On bb(iait of the Board, R. MELVIN, President. Send to Head OLTiee, Waterloo, Ont., for booklet a giving proceedings at Annual Meeting, March 1st, 1906, list of claims paid, list of securities held, and other valuable information. W. If. RIDDELL, Secretary, MIGHT OVERCOME IT, al graduated? „ , Applicant--»"Pive years, sir." :Applicant for t osfifon— I m a eellege. „ , graduate, sir."tv7nrchant- Thnts not much of a dra,ve-. bank,' You've probably forgotten all vett Merchant—How hong since you learned thorn by this Litt .