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About Morning Oregonian. (Portland, Or.) 1861-1937 | View Entire Issue (Oct. 25, 1905)
THE OKEGOXIAX, WEDNESDAY, OCTOBER 25, 1905. M'CURDY H I R ES r . W H ITE W AS H ER S Colored Reports of Insurance Inquisition Sent to the Newspapers. HEGEMAN'S .EVASION OF LAW President of Metropolitan IiiTc Ad jnits Concculins: Loans Liar;rc Sums at .Low Kutcs Lent McCall and Dutclicr. SEW YORK. Oct. 24. At trie ses sion of the LosrislHtive commlttoe in vestigratring the insurance companies the affairs' of the Mutiml were under sonsidoration and it was brought to light that this company was jwying for the dissemination throughout the country of reports of this investiga tion that, wore favorable to the com pany. Charles J. Smith, a newspaper man, was the witness. He is employed oy the MuLual to do a large numbor of things, but about a month ago was placod in charge of sending out these reports. Mr. Stnith had vised a num bor of vouchers for the payment of tills work, and these aggregated 311. 000 with more bills to come in. Sir. Smith wrote those roports and submitted thorn to Allen Foreman, who owns the Telegraphic News Bu reau, and $1 a line was paid by the Mutual Life for the service. These Ulspatchos were sont to about 100 papers, but Mr. Smith did not know whether the papers were paid for in sorting them. In one dispatch Mr. Smith wrote that Mr. McCurdys atti tude on the stand made a distinctly favorable impression, and for this he hd to pay $2 a line. This, he said, was worth it. Great Outlay In Advertising:. . - Following Mr. Smith, Walter Sulli van, who has charge of the magazine advertising department, was called. He said the Mutual advertised in 12 magazines last year at a cost of about $42,000. Advertising in insurance papers cost about $30,000 more, but he eould not tell where the remainder of the account of 5828,000, the amount charged up to. advertising last year, was spent. Earlier in the day .Emory McClin tock, the actuary of the Mutual Life, was on the stand. Mr. McClIntock practically advocated no laws for the insurance companies excopt a certain supervision to give the roports pub licity. He thought the public could take care of themselves, and that pub licity was the best law. Asked how far this view was shared in official circles, he thought he was somewhat of a missionary along that line. Mr. McClIntock was to 'have been on the stand again in the afternoon Jsoseion. but during the recess he was seized with a slight attack of vertigo, to which he is subject. He will be called again tomorrow. Admits lie Dodges Law. John R. Hogeman, president of the Metropolitan Life Insurance Company, was examined, and when the adjourn ment was taken this afternoon his1 testimony was unllnishod. While lack ing the startling features of the' testi mony of some of the other life insur ance presidents, Mr. Hogcraan's re marks and explanations were none the less interesting, especially his state ments that $S7G,000 was given to the Industrial policy-holdors of his com pany last year, without any obligation whatever. It was brought out that, while the ' company carried collateral loans throughout the yoar, none appeared in the annual report on December 31. This was explained by the witness, who said that all collateral loans were transferred on the last day of the yoar to Vermilye & Co., the bankers, under an agreement, and wore bought back in January.' This was done to avoid the horde of applications for call loans from the Wall-street dis trict. Mr. Hegeman did not encour age the call loan business from this section, because it entailed keeping a ticker in his office, and he would not have one there. He further did not care to have his company known as a loaning company. Lends Money to His Friends. The large loans at such a low inter est as 1 per cent, especially the one to President McCall, of the New York Life, were taken up, and Mr. Hegeman spoke strongly of his friendship for PcCall, who. he said, was closer than any other man to him In the Insurance business outside of his Immediate as sociates. Mr. McCnll had rendered liim valuable service that was of bene fit to the company, and, personally, h thought the company could afford, and would have beon justified, in paying Mr- McCall a few hundrods of dollars which the loans amounted to. The name was true, he said, of Silas B. Dutcher, a director of the company, who also carried large loans -with the company at low interest. Mr. -McClIntock was the first witness today. Mr. McKeen, of counsel to the committee, who has made a study of the technical points of life insifrance. con ducted the examination. The witness said he had" been an actuary of various com panies since 1S0S. He became actuary of the Mutual Life Insurance Company in 1SS9. He was president .of' the Actuarial Socioty. of America from 1895 to 1897, and has been a fellow of the Institute of Act uaries of Great Britain since 1S74. Mr. McClIntock supported the statement made on the stand by John "A. McCall, president of the New York Life Insurance' Company, as to the causes 'leading to the many failures during the early days of Insurance In this state. The companies failed, said Mr. McClIntock. because they had nothing to support them but the cur rent premiums. The Metropolitan Insur ance Company, the witness continued, was on the eve of failure at one time, but managed to prosper by adopting the in dustrial plan of Insurance. Mr. McClIntock said the Mutual Life's charter called for a division .of profits among the policy-holdors every five years, previous to 1896. In 1842 a dividend was v - - added to the policy. The nxt division of profits was 1851, and this division wm payable at death. AH th policy-holder knew was that a certain amount was Add ed to hit policy, which h was to receive at his death. In 1SS and 19Q other di visions were made. Why Dividend Was Cut. , Witness was not clear as t whether thy were paid in cat upon anrrender of the policy. In the sharp competition among the Kew York Life. Bqvitable Llff Assurance Society and the Unto! Lifo iwmnmce company in i. ine Mutual i offered new "pellcy-holders Pr cent j rebate on the fcrst year's premium. This was an open, public and avowed rebate, j There was so much objection to this that in 1S7S the Mutual issued polictes at a 15 per cent reduction in rates. Outstanding policy-holders were privileged to avail themselves of the reduced rate, but with x reaucea uiriocna. Air. ici;iihiock tua it was one of these reduced-rate polh-ies that was under observation last w-Jc. when the letter of Ufe bolder to th com mittee was read to Mr. McCurdy reciting a gradual reduction from $3A.7t to S3 in dividends. ' Mr. McClIntock said that I beer were mere comntainte from these jmllcy-lMlde- than any other the company bad. Interest Its Sinn Her. Senator Armstrong then tucked why the policies drew less dividends as they grew older, and Mr. McClIntock said that the rate of interest 30 years Ago was Vik per cent, which was distributed to the nolfcy hottiers. Twenty years ago It was C per cent, and it hs been progestveljr dimin ished overy year until It was 4.1 per cent cent at the end of iML Today the com pany is giving credit for 4.1 per cent, which, he said, exceeds tbe credit given by any .savings bank. The policy-bolder, however, only gets what Is above 4 per cent. "The pollcy-liolder has been getting divi dends for a number of years, and sees them getting f small that he naturally worries," said Mr. McClIntock, "but that interest decreases has got to happen In. every company. Nevertheless he dors not like It. and cannot be expected to." Mr. Rogers, of the committee, asked: "If it dropped below 4 per cent would he owe you something? and Mr. McClIntock .replied: "The law won't permit that." After .recess Mr. McKeen announced that Mr. McClIntock had been excused because of indisposition. Manager of Mutual's Proas Bureau. Charles J. Smith, the next witness, said that lie was a newspaper man. who?e chief business was to counteract 11k- in jury that was being done to Ufe Insurance and policy-holders. He had been cm- ployed by the Mutual Life Insurance Com- T .... vc . ttauik u ci v. .. ' T that Allan Foreman, editor of the Jour nalist, owned th- Tetearanhlc News Bu reau, and that witness sent out through ' this bureau some statements to be pub lished in various newspapers. Witwss had no share in the profits of tbe Tele graphic News Bureau, but had loaned Mr. Foreman some money. For tbe publica tion to the newspapers, the witness paid Foreman Si a line. He cited incorrect testimony published in this city, and showed a clipping from the Wilmington (Del.) News, which was one dispatch he had sent out through tbe Telegraphic News Bureau. This dispatch recited some of the testimony of Fred erick Cromwell, treasurer of tbe Mutual Life, before the investigating committee, and was .enl to about Ml newspapers. It cost the Mutual Life Insurance Company 55000 or $em "It was my intention to send oat those portions that the Associated Press neg lected to send out." said Mr. Smith. Wit ness said that he bad sent out live or six different dispatches during the investiga tion, each dispatch going to IS to Ml dif ferent newspapers. Dollar a Iinc for Puffs. Dispatches dated October US, giving a part f the testimony of President R. A. McCurdy were recognised by Mr. Smith. He said he believed they were ail paid for at the rate of U a line. Witness said the money had beea paid to the Tele graphic News Bureau. The last line of this dispatch read that President Mc Curdy' s testimony created a favorable impression. Mr. Hughes inquired whether it cost him a higher price to get a dispatch In serted in the newspapers than If it had been acquired In an Impartial way by those who furnish news to tbe papers. Mr. Smith replied that the matter he had furnished was the truth, and such matter as the pollcy-hoklem would be pleased to read. It was Important to let thorn know wliat the company had done for them. "And it is important also for them to know that Mr. McCurdyV testimony made a distinctly favorable impression T' asked Mr. Hughes. "It made a favorable hnrcasion on me," said the witness. "You paid 52 a line for the part which read Mr. McCurdy made a 'distinctly fa vorable impression.' " "Yes. and it was worth It- Mr. Hughes then showed Jie witness three vouchers for the -payment of IMS, J1S&S slid $t2 respectively, winch the wit ness said were for telegraphic news dis patches, but he could not describe the dispatches. v Money Spent on Whitewash. Mr. Smith stated that upward of $IL.M had beon expended by the Mutual Life Insurance Company since the insurance investigation began for dispatches report ing tlte proceedings) and that, when the bills were all in. they would probebty amount to $14.O0t. Witness had been con nected with this department of the Mu tual Life Insurance Company about one month. Previous to that his duties were varied. "It seems to be your general duty to attend to all alarms and ascertain the cause thereof," said Senator Armstrong. "Yes. and And all the blackmailers; It Is an awful job, too." replied Mr. Smith. Mr. Smith said there were AS Insurance newspapers, and that tlte Mutual Life In surance Company was repretjend. In all of them. "Is this matter of paying for the inser tion of news Items a new departure of the Mutual Life within the -last six weeks?" asked Mr. Hughes. "Well, yes; It may have been done sometimes, but I have only been at It about a month." Witness said that some of the newspa- pens liad rerused to publistt the dtepatcbes V w V "' V' il - without marking them as advertisements, j fonjm egg and similar Business Got by Advertisln-:. Waiter S. Sullivan followed Mr. Smith. He saxl he hud charge of the magazine and newspaper advertising for the Mutual Life. He ltnew nothing of the voucher for advertising signed by John E. Ashe. Jamos E. Craig or Edgar W. Rogers. He said $84,173 was paid by the Mutual Ufe for magazine and newspaper advertising last year, of which $30,000 was expended in Insurance papers. Mr. Sullivan said the dispatches sent out byMr. Smith were sent out largely at th request of the papers themselves. The sum of SS144 was exneaded In 19M for these telegraphic notices. Sir. Sulltvan said that the couions dipped from maga zines by applicants for jnfarmatAm sjbout Insurance. a question that President. Mc Curdy could not answer, were sent to the manager In whose territory they originat ed. He presented a statement showing the business done in this mall order de partment, which showed that, of X174 cou pons received In 1WM, 221 were turned over to C.,H. Raymo'nd & Co., the metropolitan district agents. Witness said that the Mutual Life used about 25 magazines for advertising pur poses, and the cost for advertising ia thest last year was M2.00S. In this there were applications by coupon for about $1,308,003. Witness said this advertising was the small end of the matter: that the general publicity gave encouragt'ment to I r LARGE EXODU OF GREEKS FROM ROSEBURG r - '!M a mttli i ill: : 1 I J i 4 4 ! T J J ! . V' Mil I' 1 wiu.ro xs iseixks nr AtrnoKrnae.AT liia or :ot. ROfSEBURO. Or.. Oct. (Special. Exit the Greeks. The sneedr conrfe tfoo of Artne Mlses. one of the four Greeks charged VUh rioting at Riddle, has causrd aa exodus of foreigners employed by the Southern PariBc Railroad. Aa effort was made to have the two gangs of Greeks, that Were arrested and brought here vending the meeting of tbe grand Jury, return to Riddle, but they wre so badly frlnhtenod at tbe threat of tbe people that they cefused. Kvery train go ing into Portland for the past three or four days has carried rrtgbtened Greeks away from Rosebarg. wnen tbe SbertsTs posse rounded up the rioting Greeks a search of ths ears was made and the gana. rifles and revolvers shown la the pic ture were found. H"aa of the weapons showed naaustakable signs of having been recently ecaagea. A number of the woapeas were found la -tbe bushes alongside of th track, where they bad .been t brown op the. night of the Hot. The penalty Which WU1 befall MUes and lb- saber threho are yet to bt tried, a case alf ar Vjoavicied, la from three .iv 13 years la tbe pesitcatiary. h 5nt. and that the enral effect of j like lire insurance; there was so much advertising was of fay greater value than insurance for so much money. Mr. the coupons. Hegeman said that u few participating One Lu&iru? SitecHlaCJon. policies were issued In the Intermediate ' department for an even eOt, and that James Tlmpaon. assistant treasurer there were no policies in the liabilities Of the Mutual Ufe. followed Mr. Swill- of the industrial department. Seven van to testify a to ft subsidiary com- per cent was paid on the capital stock, panles. He said he was a director In ' which was the legal rate when the the railed Slates Mortgage Trust ' company was given a charter. Company, and represented the Mutual I The original capital stock of the Ufe on that board. The flotation of j company was S2ta.aoa and this was la the securities of the Washington Trac- creased later to $St.t. It Is now tloa Company warf taken bp. and Mr. I S2.Ma.t0t. and Mr. Hogeman holds Tlmpaon said that he bought some of about U7S.Mft. par value. His Invest- the stock at 13. althoturh IS and 20 was paid for It by so am persons. Rich ard A- McCurdy also bought stock to the amount. Mr. Tlmpaon thought, of Sat shares. After the public failure of the flotation, witness said, Mr. Mc Curdy sold out. getting It for U When the traction company waa reorganized witness was a member of tbe commit tee on reorganisation and represented the Mutual Ufe. Mr. Timpson was excused to consult records, and John JH. H age man. presi dent of tbe Metropolnan Ufe. called. lie has been president for II years. He described the two depart ments of Insurance- as ordinary and in dustrial. He said that the Metropoli tan ld business in both departments on a stock basis, and not a mutual Man. He said tV.J it w:t a trrent deal ONLY A SUGGESTION lint It Una Treveu of Interest Value to Thofmiffc. and Common sense would suggest that If one wishes to become fleshy and plump it can only result from the food we cat and di gest, and that food should be albuminous or nosh-forming fot!. like erg, beef stank and rffrisajb ia other words., tins kinds of food that bake' flea Are the foods which form tbe greater part of our daily bills of fare. But the trouble in. that while we eat enough and generally too much. tbe. stomach, from -abuse and overwo-k. does not properly digest and assimilate It. which is the reason so many people re main thin and under Wi ieht; the digestive There arc thousands of such who are really confirmed dyspeptic, although they may have no particular pam or Inconve nience from thiir stomachs. If such itcrsnns would lay their preju dices aside and make a r.-jcular practice of taking, after each meal, one or two of Stuart's Dyspepsia Tablets, the food would be quickly and thoroughly digested, because these tablets contain-the natural peptonm and diastase which every weak stomach lacks, and by supplying this want the stomach is soon enabled to reach Its natural tone and vigor. " J Stuart's Dyrpepsln Tablet! dlgn every Kina of uesnTforming food. meat, egirs. bread and titatoes. and this Is tr.- reason they o quickly build up. Nti- ngtl'ti and InviftloYnu- thin. .dysM ptic -rr.tii. women and children. Invalid and ch:ilr.-. ..rt :h- mosr dehVntt. them wi'h rk-d h.n--r!l a they cuoUun no ir'ns. irritating unigs. no cathartic nor any harmful Ingredients. Stu:rt's Dyspepsia Tablets are th most successful and most widely known of any nsMH-dy for stomach troubi. b-T.uw they are th-- most reaj"n:'bl- and sr;-mir!c or mvl rn ?:i"!Jrin-. Stuart's Dv.-. !si.i T:il.;- U ..r- ,lt by every druggist in tlu l'i.;UJ S4t and Canada, as well as Great Britain, at a cnt for complete treatment. Nothing further Is ri quird to cure any stomach trouble or to make th.n. n-r oua, dyspeptic iK-ople strong. plur; will meat In the company was $67.7. dives Avvny Its Surplus. Reading; from the annual report. Mr. Hughes stated that the outstanding In dustrial insurance, at the end of 14 amounted to $1,127,809,229. Mr. Hege man said none of that was participat ing, and when his attention was called to IS7C.0O0 paid for dividends, he safd that by its terms industrial insurance was Honpartielpatlng. hut this amount of dividends was paid voluntarily by the board of directors, which in eight years had so paid about $S.tfi.ttO. Witness further said It was a gift to the policy-holders only in an endeavor W. M. Ki i A man having anythio? to hell. Yl'hi-perlax the fact ilimn u well. Will never sain tbe -'nlsg dollars Uke the man that climbs on top the curb and hollers. FOKTIt Y? NO. SIK. Just aa ordinary sam ple or the many truths published in tbe last tweaty-dve years. I have paid my good money Ia telling tbe reading public truth."", tbe rertaiaiy of great gala by investing In Port bind real estate No sane man or woman that will carefully study Portland's jpstetaleiMt location wilt for -one brief moment doubt that Portland will beeome the NKW YOKK of the PACIFIC, or if they will examine Jh- mH area of avail able level Ianl on tbe west bank of tbe Willamette River, containing only four and one-half iu--tkns of land, bat will know that It Is Impossible to build a city of maat tnde thereon, that you eoald come nearer placing- the Portland Hotel on a 30xls-feot lot than yoa encld Portland of tbe lmmttt Ate future on only rur and one-half sec tion of s round. Henee. for years I have ' Maud this fact, bow apparent to all care fa! observers, thst Portland wosM be located on th table-land ItlSTWKKX TIIK XIVKISF. The kandtrrltiaa: of t sreat Architect by formation is upon the wall. Reader, once more opportunity K railing you! Bver r- . member thla fset If yu fall to xrssp op portunity by tbe forelock as It a paeon r has ou. your chance are forever icsao.. far there l absolutely no hair oa the back of Its bead. , Yorit ouroitrrNiTY is now the present moment to Invest m ooe of tbe best propokT.tons ever ogered In the State of On-goA for large nm. namely: I sm forming a pool o: One Hundred Sbarss of stock at the par value of $B3O.0 ch. !urchastn One Hundred Acres of excellent , ly located land. 15O0 ft of streetgesr front age. It also ha a dfn-water f wont age of 1 jm feet, the O. It. K. Co. has purchased right of way throoich ttafat tract, also the fJreat Northern ha surveyed for trackage. uotn ranroAas must rmss ine MM. TMS extraordinary 'bargain must be seen to be fully apprecMUed. for this Is a low wttmatt tT the excellently located tee acres, and I tell yoa. In All seriouanera. -thf Is no wild- . cat proposition. In fact. XlftinRSWorth has nevir sold Anything but the, beat sad has never failed In making good profit, for hi numerous customer during rhe twenty-are v t-srs -ngA3ed In buying and nelllng Portland property. Why? Because KlI.T.rNOSWOItTH ha ver bought and old Portland's beat s .fJilUr propertv UKTVi EKN TIIK '11XV- f.Rs. Thla pool I am now forming Is at St- Johns. Space Is valuable. Better wire me to Ja ar. better rtULtill at my ofnee at 7U Chamber of Commerce BulMlng. I. have many good bargain HKTttJJUN THE KIVEItS. WAUNUT PA UK Is one of them. Send for map sad folder. W. M. KILLINGSWGRTH Suburban Office, 71d Chamber of Commerce. Phone Brorra 452. to keep the surplus of the capital at about 10 per cent of its assets, and, be yond that, being a stock company, and having the right to employ the sur Dlus that way. the company had given j it to the policy-holders in various forms. These various forms. Mr. Hege ' man ald. were in reduced rates, ex i tended insurance. liability during floods and fires and various other ways. The surplus of S12.S2a.741. witness suid, belonged to the stockholders. Mr. Hegeman's attention was called to the absence of collateral loans in the last annual, report, and saUKthat on the last day of the year he sold that for the pur po.e of keeping away the horde of applications for call loans In the Wall-street district Covers Up His Loans. Mr. Ilegonmn said he sold these loans to Vermilye A Co. He had "himself I a series of loans once in 35 years; that was in last and 1985. These aggre gated $S2.& at life per cent Interest and had since been discharged. Slhut B. Butcher, a receiver and member of the finance committee, had also pro cured loans at 2 per cent. These loans wef bought back again in January. Mr. Hegeman said, and for no other reason than he had stated. ' The reason for loaning Mr. Butcher money at so low a rate. Mr. Hegeman said, was that be was a valuable .man to the com pany. Mr. Hogeman said that John A. McCall. president of the New York Ufe. also was given a loan with in terest at 14 per cent for much the same reason. "Mr. McCall." witness said, "is the closest and most valuable Insurance friend of mine I have outside of the estimable gentlemen who are connect ed with me and who are associated with me in my work and in my com pany, ami I thought it was only fair to show him the same courtesy that he had shown us or me." Mr. Hegeman said that personally he would have charged no interest what ever on the McCall loan. Mr. Hughes read from a schedule the names of a number of persons to whom loans were made. Mr. Hegeman said these loans were paid off at the end of each year and renewed the first of the next year, having been running since 197. There was no significance in the matter. Mr. Hegeman said. They were all transferred to Vermilye & Co. at the end of the year ami taken back In January, he said, so that the com pany's books on December 31 showed no loans. Witness said he had an agreement with Vermilye -& Co. to this effect. The committee adjourtfed before Mr. Hegeman had concluded his testimony. CALLED UPON" TO MAKE CHOICE Equitable PoIIcy-IIoIdcrstp Select Candidates for Director:.'-' NEW YORK. Oct. 24. Grover Cleve land. M. J. O'Brien ami George AVesting house. the stock-voting trustees in the Equitable Ufe Assurance Society, today sent out through the secretary circular letters to all the policy-holders, asking for suggestions as to the selection of 13 directors to be chosen by the trustees. The circular announces that the next annual meeting of the directors will be held at the officii of the society in New York at noon December 6. when the trustees will vote for 13 director?, of whom seven will be taken from the policy-holders. Following this announcement the circular says: . Pollcy-boMer receiving this notice will not overlook tbe fact that. Jf they prefer, they may leave tbe choice of wch policy-holding directors to the JudKment and discretion of tbe trustee. They nhottMl har in mind that. If they elect to prevent nrnmrn of persons for bn-faom they de;4re w to vote, it la of the ut most Importance that thoae should be pre sented only who have bustnenn knowledge and experience, and whose residence will allow them to attend director' meeting?. For your convenience we enckwe two forms, one to be used la eaee the polIcy-hoUler de sires, to de-tiKBste 'names for whom he may vote and tbe other If be prefers that th trustees make the choice for him In their own odgmeMt. While tbe Instrument creating, the trust under which we act Indicates that the ex pression of your preferences as to the selec tion of policy-holding directors or your re quest that we select for you should be made known to us prior to November 1. any such expression or request reaching s a early as the aoth of that month will be aeeepted and duly considered. Notice of annual meetings Is usually given by publication, but we have deemed It Im portant that tbe nrst aottfe after the crea tion of the deeti of trust should be mailed to each policy-holder. P.OLICY-IIOLDEKS AVILL UNITE I Organization in Texas Will Claim Voice in Choosing; Directors. t DALLAS. Tex., Oct. 21. (Special.) State Insurance Commissioner Clay an nounced today that a policy-holders' union is to be organized in Texas at a meeting to be" held at Dallas. Novem ber 15. Tbe poilcy-hoKlers in different com panies in Texas have requested the Com missioner to head the plun and call the meeting. It is estimated I'tat there ara Idtitt policy-holders in Texas, the New York Ufe. Mutual Life and Equitable having a total or .. The ultimate In tention of the organization is that Texas policy-holders may have a voice In the selctlon of trustees and directors of these companies. nasworih. at Labor- WORDS OF PRAISE WELt MERITED BY A WEJUI KNO AR.TICI.E. So mnch has been written by the Standard medicial authorities, of all the several schools of practice, in praise of the native, or American, medicinnl plants which enter into the composi tion of Dr. Pierce's Golden Medical Dis covery, that in attempting to quote from "the various works on Materia Medica one hardly knows where to commence, since they are so volumin ous that only the briefest and most im perfect reference can be presented in a short article like this. Briefly then let us say that the "Golden Medical Discover'" was named, from the sturdy little plant Golden Seal, the . root of which enters largely into its composition. Besides this most valuable . ingredient, it con tains glyceric extracts of Stone root, Queen's root, Black Cherrybark, Blood root and Mandrake root. Finley Ellingwood, M. D., an emin ent practitioner of Chicago and Profes sor of Materia Median in the Bennett Medical College of that citv, in his recently published work on Theraaen tics, says' of Golden Seal root: r ft is the most natural of stimulants to the normal functions of digestion. Its in fluence upon the mucous surfaces ren ders it most important in catarrhal gastritis (inflammation of stomach ) and gastric (stomach) ulceration." Many other authorities as well as Dr. j KHingu ood extol the Hydrastis ( Golden Seal), as a remedy for catarrhal dis- eases of the na?al passage?, stomach, ' bronchia, gall ducts, kidneys, intestines 1 and bladder. Among tiiese, we may ; mention Prof. John King, M. D., author , of the American Dispensatory; Prof. ; J. M. Scudder, M. D., in his "Specific I Medication" ; Dr. Hale of the Hahue- j mann Med. College of Chicago; Graver ! Coe, M. D., of rew York, in his u0r- j ganic Medicines," Dr. Bartholow of .Tef- j terson Med. College and scores of otlier ; leading medical writers and teachers, j All the foregoing eminent autliorities j extol the curative virtues of Golden j Seal in cases of stomach, liver and in- testinal weakness, torpor anil ulceration ; af bowels. Dr. Ellintwood recommends ; it most highlv, " In those cases of atonic ! dyspepsia when the entire apparatus, j including the liver, is stagnant ami inoperative." He also extols it most i highly in the many weaknesses and de- I rangements peculiar to women and ; says, "It is a most important remedy in f many disorders of the womb." Golden Seal root (Hydrastis), is an important ! ingredient of Dr. Piercers Favorite Pre- ! senptton for weak, nervous, K rundown" women. But to return to the "Golden Medical Discoverv" it mav be said that its cur ative properties are not whollv depend- ent upon uoiuen ouni, vaiuauie as it is, as other equally potant ingredients add greatly to its value and in fact are not less important than the Hydrastis, or Golden Seal. In all bronchial, throat, lung and. kindred ailments, Stone root, Black Cherrybark, Queen's root and Blood root, each plays as important a part i u cucuviii tin I'tivAAv tiiiuni guira ui "uoiuen xMeuicai Discovery " as does Golden Seal. All these ingredients have the endorsement of prominent practitioners of all schools of medicine for the cure of diseases of the bronchia, throat and I u 122s. nattltt oolx b7 n. Umierfeenr AHx-pfht. IiiIuNr(r. t;nruuiy. ince IMC HI IrK IM! m' 3 ' At Kotefa. Cocktail L'lnerbero' ciubs. , , , 1 ?aM? ; Restaurants. and better for you. jr.-r : j j Gro-s. etc L.1IYT1ES BltOTUSHS, nEW YORK. General Agents. TnifiMrlK & BENDEL, San Francisco, Pacific Slops Distributers. everybody will tell Chiclets are not a medicine bnt jnst really delight ful chunks of common sense which the physician "and the dentist and the nurse nse while engaged in their humane .work and they recommend them io you. to beliad at all the Better Mnd of stores Of Queen's root, Prof. Kinc ea "An alterative (blood nurifieri unsti passed by few if any other of the knoil alteratives. Most successful in si and scrofulous affections; beneficial bronchial affections; permanently cui bronchitis; relieves irritations; an ill port ant cough remedv; coughs of vea Branding being cured; aids in blnoj making and nutrition and mav be takf with out harm lor Ions' peri id Queen's root, Golden Seal rt t, Stci root, Black Cherrvbark and B! ,?droc all articles extolled by leading praci tkniers of all the schools, as the vef best of cough medicines, arc made peciallv valuable when eomhrnrd wil chemically pure glycerine at.. '2 sreat Enhances the curative action of al the! ingredients in all bronchial, threat ar lung affections, severe coughs ar.d kn dred ailments. Who can doubt the efficacv c f r-'ih! compound, when scientilicu'v irn. up. a in Dr. Pierce's Golden ried.cj Discovery? Who can doubt tl rt it is J most effective remedv. lor tl.- ??rcrl diseases for which its inereditr" are highly recommended by the f rr.;o writers on Materia Medleaf I It is in the cure of the more chronl or lingering, persistent, and ol rt.na1 cases of bronchial, iaryneial c.r.l lui affections, attended by hoarse:!-? an! severe cough, which it ne,r.?4.rd badly treated would generally Lo ml into consumption, that "(jok?ii y.eil leal Discoverv" has won tun Li"hc. praise from all who have o! -c:eJ ii marvelous control over tht.-r a .I Ui! deed affections. It is no clican cor nound made-tin of trashv ir.i?r. d na for free distribution, that cunt perl pie may experiment upon tl.c... "e! as with the many fake nustruns s commonly sent out as "trial btt!es. It has a forty vear record, eralracinl manv thousands of cures behind it. sold at a reasonable price arid may bl touiKl in all drug awl mel.cinc- ctoi in this ami manv foreign ccunK It will be seen from the abov fcnd extracts how well Golden M d.?a! Did covery " is adapted lor the ct:rc cf r ! blood diseases!, aa, scrofulous end sk:J affections, eruption, blotche-, p rnplpj ami kindred ailments; also that it ij equally good in all Catarrhal af.Ttr no mailer where seated, ana lor a. cases of indigestion, or dpcr;5la, tct PKl liver, or biliousness ana as tonic ami invigorator in all manner c weaknes'ses, and in nervous det-Uttl and pn-stration the above cxtracti amnlv show. Mnch further information as to tfcsH properties and uses of "Golden Med.ral Discovery" and Dr. Pierces Favorltcl Prescription for weak women, will tc found in a little booklet of extract:! from standard medical books wh.c will be mailed free to any address oil request, by letter or postal card, sent u Dr. K. V. Pierce, Buffalo, X. Y. All the several" ingredients of DrJ Pierce's medicines will be found, fronj the reading ot this little booklet, have the strongest possible profcsonril endorsements and recoiumr 'iuat:oi for the cure ot all the diseases l: wnicn these meaicinest art recom mended. No otlier medicines for hkcl purposes have any such endorsement. They are non-alcohohe, non-secret, saff and reliable. you