THE BEND BULLETIN, BEND, OREGON, WEDNESDAY, MAY 23, 1945
PAGE SIX
Schools in Crook
End 1944-45 Year
' Prineville, May 23 (Bpvcial)
Crook county schools closed on
May 18, to open on September 10,
and with the closing of the ele
mentary schools 87 pupils receiv
ed eighth grade diplomas. Exer
cises for 75 of the 87 were held in
Prineville on Thursday evening,
at the grade school auditorium.
The 12 members of the Powell
Butte class received their diplo
mas in graduation exercises at
'the school.
On Friday night, in the school
Rymnasium, 37 students were
graduated from the Ctpok county
high school. Ten of the 37 had al
ready entered the armed forces.
They are Ray Hlrdsong, Remey
Cox, John Ellis, Alelvin Mcuoy,
William McMeen, Phillip Qulnn
Leo Smith, Miller Tweed t. Malt
land Waldon and Merle Westcoat
Three of the boys, Qulnn, Waldon
and Westcoat, were homo for the
exercises and were In service mil
form for the baccalaureate and
commencement exercises. The
other students wore caps and
gowns.
Or. C. A. Howard of Monmouth
school of education gave the com
mencement address, Principa
Dallas Norton presented the class
and La Selle Coles, chairman of
the school board, awarded the di
piomas.
Cecil M. Sly, newly elected su
perintendent of Crook county
schools, will be on hand to take
over his new duties May 28 when
Superintendent 11. H. McAtee, re
signed, will retire from active
duties of the office.
County Court
Proceedings
RE IT REMEMBERED, That at
n regular meeting of the County
court neld May 2, lu-is, all mem
bers being present, the following
business was transacted:
In the Mutter of Claim
Against, the County:
The following bills were pre
sented and ordered paid:
GENERAL FUND
E. E. Varco, commissioner $ 43.20
Aubrey E. Perry, water
master ; 215.43
C. L. McCauley, sheriff.
nostacs 1.50: supd. 2.93 ....
4.43
Lucy Davison, P.H.N., mile
age Elma Mullins, P.H.N., mile
age 15.45
35.55
Hazel V. Barclay. P.H.N..
mileage 53.15
Gladys B. Cochran, P.H.N.,
mileage 20.85
Glen W. Thompson, sanitar
ian, mileage 54.00
Burnlcc Shumate, health
dept., typist 42.53
Edith Kostol, clerk, health
dept., petty cash 34.74
Iva Johnson, prisoners'
board 54.00
Harry Johnson, Juvenile of
ficer, mileage 8.10.... dep
uty sheriff, mileage 32.05 40.15
Stale Dept. of Agriculture,
sealer of weights & mea
sures 18.44
Oregon Protective Society,
Juvenile exp
George Chllds Hardware
Co., health dept., exp .-
Cutter Laboratories, health
dept. exp
General Electric Supply
Corp., health dept. exp
Maternity Center Associa
tion, health dept. exp
Bend-Troy Laundry, health
dept. exp
American Dental Associa
tion, health dept. exp
The J. K. Gill Company,
health dept. exp
Northern School Supply Co.,
health dept. exp
State Ind. Accident Comm.,
5.00
1.25
38.40
11.50
.50
2.55
4.50
3.37
17.15
wuiermnster y:,c; pcare
officers 10.B9
The Haloid Company, clerk,
DIAMONDS
7th War Loan
Buy Double
an EXTRA
War Bond
A. T. NIEBERGALL
Jeweler
Nul tn Capitol Theater
I'hona 148 H
WATCHES
FLOWER
PLANT SALE
Thii wrk U roor tatt rhanrv I
In l 79
ilurday wiihdh mW pria pi yt.ou. Ollrr ntU
POH 12.00 WE WILL SHIP THK KOLLOWINC 1MSTIA1I:
12 ROSK DAWNS. Slt.VFR IMSK. f;ROV 2 TO PFf'T
12 KVKMSi; I'KIMKUSKM. VKRV SIMiWV KOM IIOItHKK
1? t OltKOI'SIS. SI NSIIINK 1-l.OW KK iHKlir.KS
12 KKNTINK KKI.WAY M AKIil'FIIITKH KTR HAHIIY
12 .IANT SHASTA OAISIKS. WIIITK WITH VKLUHV rFXTFtt
12ASHOKTKI) l'KUKNMALS. Ol It HKI.KITION
72
IL'l? !,n" '?T,?n:, 'Iwplnnl. all the color a of ih rainw H.ifrrd i-.-U-ai.!
W fur drn SlSnU. " U"" m miht ,u
ILUH.'ll'Z ",'""on " """' '! of our SO e.rllle. ad.led
"'"1 fhnrire- lo every orrler mailed thia week.
OlIIIKR TODAV. THIS WKKK 18 Y1H H LAST I HAM Kt
mi'iltt "n'"1""" h"U ,hU ,J' "" Mrtu below, .net
CLARK GARDNER
734 American BWg;. Western Offlco Sent tic I, Wash,
U. S. to
DENMARK
North St
mT -" C3 ( CZECHO.
Pom 'wmo'Vy b Hr -C ' ,-'
FRANCE SZZy,,-
The United State. 15th Army Is ruling 14,000 squurc miles of Germany. Including tho rich Saar Basin, tht
Wdne VaMej Tend the western half of the Industrial Buhr. From 300,000 to 400.000 troops will comprise the
"U m ft. . include DuAlorf, Aachen. Cologne, Trier .ind
CoDicia la pre-war days, the area nad a poulatlon of nearly 11 million.
supplies 25.32
West Coast Printing & Bind
ing Company, election
exp
1.20
C. L. Allen, Co. Judge, post
age
5.00
West Publishing Co., circuit
court exp iu.uu
Pac. Power & Light Co.
courthouse electricity
, 77.44
9.G5
Gi.fiO
Bend Water Department
courthouse water
The Miller Lumber Com
pany, courthouse fuel
Houk Motor Company,
courthouse exp 4.02
Smith's Electric, courthouse
exp id.JJ
. E. Stevens, commissioner 36.40
Don Shipley, extra Janitor
help iia.su
Packer -Scott Co., court
house exp 11. G5
The Redmond Spokesman,
Co. Judge 1G.45; school
supt. 4.35; legal pub. 20.40 41.20
County Treasurer, Assignee,
old age 1059.60; dependent
children 203.20; blind
20.00 1282.80
County Treasurer, Assignee,
general assistance .184.56
R. L. Lewis, T.B. & Bang's
indemnity : 39.04
Philip R. Gould, surveyor,
engineering records 250.00
COURTHOUSE ULDG. 1MPVT.
ETC. FUND
J. W. Copcland Yards, Lum
ber etc 115.32
I Smith's Electric, electrical
supplies 27.02
W. V. Hamby, cabinets 86.50
Fanton's Garden, flowers . .. 2.05
TAYLOR GRAZING FUND
Settelmeyer Bros., gas nnl
oil 81.21
Deschutes County Clerk, re
cording easement 1.00
Deschutes County Court,
cattleguard 252.93
GENERAL ROAD FUND
Roy Alllngham, salary 174.85
T. C. Daly, salary
Herbert Franklin, salary
Lee Hollenbeck, salary
Geo. H. McAllister, salary
T. C. Merchant, salary ....
.192.53
.181.13
.171 .47
.195.85
.104.95
.175.85
' I5- - Tossing, salary
i Dan C. Wood, salary
175.85
192.50
Clarence Walker, salary
1 1'.. i".. vmco, romnussioncr .jM.-H)
! Klmcr Lehnhm. Ins. . 5.00
llt'ini Aulo Parts, Inc., tiro
I .tcet
1S.85 i
jt'lla M. Shaver, Crn. exp.
(X)
ride Water Associated Oil
Co., fuel itur
Klmer Lehnherr, Ins.
7.LO
Par. Power & Light
Co.,
electricity
Hemi Water I Vpartment,
water
State Ind. Accident Comm.,
ins
Lowrs & Contractors Ma
chinery Co.. hardware ....
5.00
1.45
47.31
65.10 i
Mid.stato Hardware Com
pany, hardware
8.01
I he Miller Lumber Com
pany, lumber, cement etc. 2-1.23
Schviman Auto K 1 e c t r i c,
parts
4.50
POSITIVELY
ENDS THIS
WEEK
ariol.. rU.. ... . . ..
Cash Fnc .
srti ron
Rule Rhine, Soar, Ruhr Areas
SWEDEN
RIM
3
A. E. Stevens, commissioner 40.95
C. L. McCauley, sheriff, gen.
exn 100
In the Miller of Deeds
To County Owned Lands:
At this time the Court signed
the following deeds:
C. T. Samples SE N W !4 , Sec.
27, Twp. 16 S.R. 12 E.W.M. $10.00.
Joe H. Sloan el. ux Lot 5, Block
2, Orig. townsjle of Laldlaw.
$25.00.
Henry Klessenbeck et ux Lots
24, 25 and 26, Block 1 15, First Ad
dition to Bend Park. $126.00.
Harold Moore et ux Lots 14
and 15, Block 110, First Add. to
Bend Park. $8-1.00.
Fred L. Howe Lots 1 and 2,
Block 7, Bendview. $40.00.
Joseph G. Mnck Lots 16, 17, 18,
19 and 20, Block 79, Bend Park
Add. $290.00.
Claude C. Jackson Block 12,
Laldluw, less that portion previ
ously deeded for road. $175.00. ,
John Franks, Lots 10 and 12,
Block 112, First Add. to Bend
Park. $200.00.
Tho Court executed a deed to
the City of Bend conveying Lot 10,
Block 29, Park Addition. This deed
is given In lieu of one executed
by the County to the City of Bend
on October 6, 1937, which was lost
before it was recorded.
In the Mutter of Leasing
County Owned I.iintls:
The Court signed the following
leases :
Arnold Horse & Cattle Ass'n.
610 acres ill Twp. 18 S.R. 12 E.W.
M. 60 3c per acre Jan. 1, 1915
to Dee. 31, 1951.
Priday Holmes 1080 acres in
Twps. 1411 nnd 1410 cT 3c per
acre Jan. 1, 1915 to Dec. 31, 1951.
J. A. I'ausch 1110 acres in
22 S.R. 22 E.W.M. W 3c per acre
Jan. 1, 19-15 to Dec. 31, 195-1.
BYNOI'ms OP .ViSTAI. STATl.MI'Vr
K Till:
CAPITOL VifZ INSURANCE
COMPANY
w rti'tiit-r. In (lip SMic ur i Mutu ln. t-.n (ti- thltti
firm tl,ir ur Jit "iiilKr. I'M), n-nilc ti l!;t lm.ni
hihi CiiiitiiilMl.mrr nf tht HMto til (.rcjuii,
arllrllll lo Uu i
riir-
Cap 1 1 M
Amount or fnnllnl at rk Mil up. , . . S.W.OOO.
XncGi.i
T"lt pnniliiin Htf('tu I. it tlic T-ar. t :.1M.H3ll.
Itittmt, timilrtnU iik) ti'iifs ri'.-.ncl
(lining I'n jrir
1 1 m i run Irnin tllt-r wiiinvn r.v.'iv.-it
duit'il Hit) )tr
iv.tu.7a.ic
KT.1 HI
T.'UI Iikmiii $ 3.K'l.t;.l'J.('.
DiBbui-Hmento
IaM for k. riul.iwinciu.. niinill'
! 1"I"I I" I" KI1 V.oMrTf tlir-
lll UIF - 'S.
hMilfi'iii fni'l uit rai'tial mkH ttur-
Hi Hi yett j:..ilio.('.fl
Ci'iiitiiiniot't a.iil alilt-a) i-.Hi I tl.itlug
Ui yr .'-:.:;jvii
Tara. luitifHt ami trts taiil ti nli(
Hi Jrar i con 13
Amount of til vllirt (iii-ti.ltMitei. .. 4lo.(T SO
TiUI rtinOlMiiri. . .
Vat" of iral m(t ukiui
ial-n)
on (in(l9se atxl r.
Val.ii f h.'n'.lV i.wm ,1 ','
V!u of ttdt'hi ortit.,l inin
IVmium i.if and x'.i
Vn'W tn ImkV.1 atnl mi hn,n
llilr-ai anil reuli iliu mi
imiMlU-itnl athI 4,4.1
nimi
OUier tiUfli (net)., ....
. i.'.t 1.1.13 03
i miilr I
I i.rffr.'.Ji.ra
.(tv v.l i.l
..or iii.2
Total itmllt,J at i
X.tnbmtls
St4 MX'rrri
(Ir. M il 1 tr; 1 t. r iimmM, .
All u'liei lUblllllr
..tu.-.ir.sj; ip
. . i.:.'.iu;m ni
T-fal Halllltk. 1
CsHta) (,ld hp.,.
bimui
Ruirtiw at tct
u 1.
..t l.MJ.O.T .3?
Tntal
nminin in urviron Tor Th VArt
V..11.1 tmt ai.il m.ii, i i.,hi
rtt:rn:i ibt. )Mr f l,.i,jr.(LSi
Di'0mda mil r. lattl ilnilm tli
S
N't . ml ilati.ii. 1 ..unlit.
irT"d-i, anj !L.iiiM ,,,1
rttirn-t vr.. M c
TUB CAPITOL T.CPl! I.UUSAHCB
COMPANY
I' srrix J Hut?, rrntilxnl
W aa. I", Srhinautrr, iSwraiary
HORNBECK
Typewriter Co.
Authorliod Aqont lor
ROYAL
Sales and Service
lnytyN ltllrlwins anil CarlHin
It. C. Alli'ii Ailillng .Mtulilncs
All Mnki- T.vpowrltora
SlTVllTll
Phone 12 122 Oregon Ave.
JUL
a C KnaantaMMira I
ibing C, PR 5
fiVfc'el Tetrpholo)
Jcsso Hollpr N'-iNVV'd Sec. 7,
Twp. 17 S.R. 12 E.W.M. $5.00.
Jan. 1, 1945 to Dec. 31, 1945. "
In th Matter of An
Advisory ltmli;rt Conimtiteo:
The Court appointed an advis
ory budKi't comimttee as follows:
M. A. Lynch one year term
A. .1. (llassow two year term
John Hohnstein -- three year
term.
In (lie Mutter of a
Dunce Hull License:
The Court approved the appli
cation and bond of Pleasant RidRo
Community Hall for a dance hall
license and the Clerk was ordered
to issue the license forthwith.
In the Matter Opening
Ballot Boxes:
The Clerk was ordered to open
tho ballot boxes in preparation
for the coming Special Election.
There being no further busi
ness, Court adjourned until Thurs
day, May 17th, 1945.
C. L. ALLEN, County Judge
E. E. VARCO, Commissioner
A. E. STEVENS, Commissioner
U. S. Meat Rules
To Be Discussed
!
Meat dealers of Bend and others
Interested in wholesaling meals,
were invited today by the local war
price and ration board lo attend
a meeting at 8 p.m. tomorrow in
the Pilot Butte dining room when
an OPA official from Portland is
slated to explain government re
gulations governing meat sales.
Tho official Is H. P. Maddison,
meat price specialist, who is com
ing to Bend at the solicitation of
tho dealers.
Many dealers, it was pointed
out, have encountered confusion
in abiding by federal regulations,
and it was expected that Maddi
son would clearlfy the matter
for them.
For tho convenience of left-
handed persons, a ch inking foun
tain with tho control valve on the
left side, has been Installed in the
Chicago eilv hall.
No. 41-3S
Synopsla of tinnual r,latoment of Tli
Minnt-Mitn Mutual Lite Insurance Com-nam-
of Saint Pant, In the Stato of
Minnesota, on the thirty-first ttav of
December. 11144. uintlo to the Insurance
Commissioner of the Slato uf OieKan.
pursuant to law:
CAPITAL
Amount of caultal stock paid up.
none.
INCOMK
Total premium Income for the year,'
$8,511.1 510 51.
. Interest, dividends and rents receiv
ed during the year. $2.4.Hl.!lliti 21.
Income from other sources received
dunne the year. $l.9.U.ll6.ia.
Total income. $l?.inil,52 84.
DISHUHSEMKNTS
Paid for losses, endowments, annui
ties and surrender values, s:i.41D.924.Ht.
Dividends paid to policyholders dur
Ine the year. $SH2.:l4l.l4.
Dividends paid on capital stock dur
ins the year. None.
Commissions, and salaries paid dur
ing (ho year. 1.8M. 415.011.
Taxes, licenses and fees paid during
the year. $s:i8.:i34 ii
Amount of all other expenditures,
$l.tllta.785.S3.
Total expenditures. $7.470.8111 .26.
ASSKTS
Value of real estate owned (book
Valuel, $774,841 08.
Loans on montages and collateral,
etc.. $18.271.020 70.
Value ol bonds owned (amortized).
$41,310,711.00.
Value or stocks owned (book value).
$1 .:iM.7illl 02.
Premium notes and policy loans. $4.
914.225 07.
Cash in banks and on hand, $1,360,
010 20.
Interest and rents due and accrued.
$470.448 21.
Net uncollected and deferred prem
iums. $1,807,171 53
Other assets (net). $22,387.78
Total adnikltrd assets. $70,288,220,19.
LIA11II.1T1KS
Net reserves, $57.804.3y7.54.
Cross claims for iosses unpaid, $483
728 81.
All other liabilities. $7.775..1fi! 82
Total liabilities, except capital, $05,
803.omi.00. Capital paid up. none
Surplus over all liabilities. $4.424.524.
II)
Surplus as regard policyholders. $4.-
424,524,19.
' Total. $70,?88 220 19
tu'stNKss in owro.ox
FOR T11K YI'AH
Net premiums ami annuities received
during the year. $09,581 59
Dividends paid dujing the year. $8 .
030 91.
Net losses and claims, endowments
suircndcis. and annuities paid during
the year. $41,411 a;
Name of Company, The Minnesota
Mutual Life In.urancej Companv.
Naile of Presi'.icnt. I A Phillips
Name of Secretary Carl R Anderson,
Statutory resident attorney lor seiv-
ICCj Commissioner of Insurance.
vir J ;
rxoraig or axkcal statkment
EXPRESSMEN'SMUTUAL LIFE
:.1SURAN-E COMPAHY
of Now Vote, in Ills HTmlr of Xutk on ih
turmn Oommlnluin ul log Bull of Om,L
I'uixiiiii u, iswi '
Capital
Aia&iiiit f nplui ((,,(; (,Bi,i ap...t
"; 0
TTl.fiSO.TT
428.S79.nO
101, Wa ao
4CI.5SS.JI
ICC.C3I 49
0
f7.40l.2D
3.M0 8.1
l'.T.lflr til
... inoom
Toul premium lriromt fur lliv mi I
ii.li-r.-nt. UhiatniU m,i ,,
durlny Hie fir.
liiBmno fom ,,u.x MHic.VVtt-Hwd
diu-lfig lot iw "
Tottl Inecmt J
..... . Dtsbnnemtntii"
rid for (emu. i-inlimmeMi, aIJUt.
Ho aim itiireoilrr talut-s t
lilililpudi pmiil lu polltit.ulii.',',' ij'ur-
tt.B Ihp tea,
DlrloVmli Mij n capital 'it&rii dur-
liil Uu, jmr 0
foii.iM'ii.li(ii, and Mliirln U'id'dVr-
Iiib inr
Tswi. llcmM and fttt piid'dtfr'.
Inr Ilia rm
Ainuunu of all ulnar eipai,dliur'. !
Tola! eiptndluira
. . Asieta
ahia of real anile oin.d (market
laliial t
ly-ai.a on mnrtaacaa and mlikYtrai,
Valna of bond! ownefl fainritl'ljced).' 9
Value fif alotke ntni.l i.n..L.. .......
eteiuliiot nnlea and ikilti-y loaua
llll In Danka and on liaiid
lirrtTeat and rtliU due and arrmed
Nid Uncolletled ami deferred preui-
luinf
Otlir aaiela (liul...,'.V.'.'.'.'.'.',
2.3''T.07;.IUI
:i87.U.M
sl.Cliu.u3
. 4I.8C3 80
1.674.00
Total admllterl aesela...'
tlabllltloa
Net reiereea
tlrou ehlme for loaaee unnutd"."
All oiiier llaldllilei
Total llbalitlea. except capital.
Cipltal paid up f
Uiinilua oter all lla-
tillltlea
tturpliu M reaarda
pulleylioidera
439.423.44
1.011,988.00 1.474,411.44i
-lol' 111.983.505.35
BuInen In Oretroa Por Tht Yari
fl premliu,n and aiumlilia recelied T"
i
Illrlilentla paid dnrlnt u,a rear
Kvt loi.es and claims, eniluvin.i'tfl
surrenders, and aunultlei bald dur-
ln Hie rear
T.293.07
1.514.931
I
507.001
Jl. It. l-iwrnan. I'rcsjJunt
Bliluforr riiffcfit itfirerr for t-r:lrr IL r,
llMurud. 33fi 8. W. Bro.o.,,, 1'ortlst.J 5. On
No. 4-30 i
Synopsis of Annual Statement of the;
Commonwealth, Inc. of Portland, in
the State of Oregon, on the thirty-
fjrst day of December. 1944, made to)
flie Insurance Commissioner of the
State of Oregon, pursuant to law:
INCOME i
Net premiums received, $175,744.94.
Total interest, dividends and real
estate income, $103,084.75.
Income from otjier sources, $319,-,
87B.1B.
Total Income, $678,707.83. i
DISBURSEMENTS
Net amount paid policyholders for
losses, $lbb.92. . ,
Loss adjustment expenses, None.
Agents commissions or brokerage,
None.
Salaries and fees officers, directors,
home office employes. $225,448.02.
Taxes, licenses and fees, $72.32237.
Dividends paid to stockholders (Cash,
$12,500.00), $12,500.00.
Dividends paid or credited to policy
holders. None.
All other expenditures. $282,930.66.
Total disbursements. 370.97.
ADMITTED ASSETS
Value ot real estate owned (market
value). $265,839.11.
Loans on mortRagcs. $965,494.55.
Value of bonds owned (market). $19,
513.75. Value of stocks owned (market val
ue). $282,856.50. , , J Mtno
Cash In banks and on hand, $196,
621.04. Premiums in course of collection
written since Soptember 30, 1944, $36,-
622.85.
Interest and rents due and accrued,
None. ' ' 1 1
Other assets (net), $255,642.63.
Total admitted assets. $2,022,491.23,
LIABILITIES, SURPLUS AND
OTHER FUNDS
Total unpaid claims, None.
Estimated loss adjustment expense
for unpaid claims. None.
Total unearned premiums on All un
expired risks. None. ,
Salaries, rents, expenses, bills, ac
counts, fees, etc., due or accrued,
$163,672.53.
Estimated amount due or accrued
for taxes. $90,175 00.
Commissions, brokerage, or other
charges due and accrued. None.
All other liabilities, $790,982.52.
Total liabilities, except capital, $1,"
044.830.05.
Capital paid up. $500,000.00.
Surplus over liabilities, $477,661.18.
Surplus as regards policyholders,
$977.6til.lB.
Total. 52.022.491 23.
BUSINESS IN OREGON FOR
THE YEAR
Net premiums received, $178,744.94.
Net losses paid. $109.92
Dividends paid or credited to policy
holders, None.
Name of Company, Commonwealth,
Inc.
Name of President, H. M. Hawkins,
Name of Secretary. Alfred A. Hamp
son. Statutory resident attorney for ser
vice, II. M. Hawkins.
No. 35-51
Synopsis of Annunl Stntement of The
London Assurance of London, l.nKlnnd,
on the thirtv-fitst day of December,
1944, made to me insurance
siouer of the State of Oregon, pur
suant to law:
INCOME
Net oremlums received, $4,8S8,128.56.
Total lntereyt, dividends and real cs
tate income $202,538.32.
Income from other sources, $208,
641.75. Total Income. $5.347.30flM.
DISBURSEMENTS
Net amount paid policyholders for
losses. $2.144.805 83.
Loss adjustment expenses, $127,442.05.
AKents commissions or brokerage,
$1,124.4(17.66. a
Salaries and fees officers, directors,
home office employes, $220,022.17
Taxes, licenses and fees, $280,937.39.
Dividends paid to stockholders (Cash,
Nil; slock. Nil , Nil.
Dtviderits paid or credited to poltcy
holders. Nil.
All other expenditures. $781,510.71.
Total distmrsi'ments, $4.67t, 186.41,
ADMITTED ASSETS
Value or real estate owned (markc
value). Nil. m ,. . ,
Loans on mortgages and collateral,
etc., $8,000.00. js
Value of bonds owned (amortized).
$5.911.906. 22.
Value of utocks owned (market val
ue. $n.W5,42l.oo.
Cash In banks and on hand, $1,
313.449 54.
Premiums In course of coHectloa
written since September 30, 1944, $560.
649 28.
Interest and rents due and accrued
$31,008.35.
Other aseM (net). $124.497 59.
Total admitted assets, $11,585,081 98.
LIABILITIES. SI' H PLUS AND
OTHER FUNDS
Total unpaid claims, $1,724,352.71).
Estimated Ions adjustment
expense.
for unpaid claims. 818. 515. 26.
Total unearned premiums on all un
xplred risks. $3.495.368 40.
Salaries, rents, expenses, blfls, c
counts, fees, etc., due or accrued, $24,
700 W.
Estimated amount due or accrued foi
taxes. $272.558 00.
Commissions, brokerage, or othci
Charges due nnd acerued, $126,538.00.
All other liahihties, $357,586.44.
Total liabilities, except capital, $6,
069.618.80.
Cnpit.il Deposited. $500,000.00.
Surplus over all liabilities, $5,015,
463.18.
Surplus as regards policy holders.
$5.M.V463 IB.
Total. lt.M5.Cmi P(
BUSINESS IN ORFfiON FOR
THE YEAR
Net premiums received. $59,425.03.
Net losses Dald. $21,853 79.
Divide mi, paid or credited to policy
holders. Nil
Name of Company, The London As
surance. Name of Manager for Pacific Const
Branch. James C. Httt, 369 Pino SU
San Francisoo 4. California.
Maimory re?inent atterner for ser-
Daiiov v Tivtnr t.rflnH nr.i
ton.
erxorsifl of axvtai statemxt
DP THE
MUTUAL BENEFIT LIFE
inSURAKCE COMPANY
et IWatk. In Die Kut r.f Nw JrrV. rn tbt
till m-fir il nf Dminbrr, 1914. raid tn th Iru.ir
nra Cunimluionvi of Die Stfttt or Oirgbii, pur
Usui to tow:
Capital
Amount cf tp)Ul stink paid up. ...I ft
fnooinv
ToUl premium Inr.mu lor t-'.o yr. .tTS.fl05,451.Sir
J(itvrtt, ilivUl-.-tidi and tnu rccelied -
durtiif Iha ffir SI, 109, 3 II. TC
liui-nie (rum oitit-r kourt-tt mthed
Uurtni U. jear !0.fl3ft.T3t.H
TMil loeomt . . .- .l3f ,331.B.4r
Dlsburaementai
flltl for lour, eiidowim iiti..iiiul-
Un autl (urretidof Ium vmSJl,5W.4S
Illiliid palti to itoltcybtjldtra dur-
ini tl.t ynr K,S11.4SMT
Dlvidmdi i-nid on caal slock dur-
lui tht yrar ft
CoiutTilulonB Ktd ultitlM txtld dur-
lr, U$a yrar T.3IT.080.W
Txt-i, licttmei and fres paid dur
lr ths JW MK.5S0.l4,
Atbuunt of all other cipendltuiM. .. l&.3,00l.5iJ
Tout tipeodlturai.: 81.909.33e.8T
Aiseta
Value of rul ntate on mil (mirkct
valil) (Inrludiiii JLi.9r.ri.lt88.0fl
owned uixliri ittnu-t of ule)....S8.S01.932.?f
Lom on m fijtn and collateral,
tte. (li'-IuUni IH.6J8.33 foreclosed
Jlni kiitijMl ta tederoption) IlS.34T.8!t8.Sr
Valua of IwinU onned (amorlltcd) . .T07.315.i5.9F
Vulue Of itot-ka owned (market talut) T.333.93T.0C
I'reinliiin not and poller loans.. . fift.043.2Sl.Af
Cath tn bauks and on iiand :3.1S8.51tt.95 ,
Jiitemt and rents dua and accrued.. 7,218,720.62
Net iMifftllietfil arid deferrt-d pmu
Jums and ulher auvts, .
Tittal admitted aueta
Iil.hilltieM
..t937.3SI.Sn.80;
.,1710,714, 323.W
..nss.Hsi.ffer.os1
Net renervea
Gross rlaluii for Iiimvi uiipald..
All oilier liabilities ,
Total liabilities, except
Keiiirf Itcuirva Funds
Caultal paid un 8 0
C(jntliiincr Iteiena
builds Sfl.fll 8.609. 03
Cciiilingfncy Itrserro Funds $SB.Hlt.09 M
Total 193T.U1.171.M
Business In Orirrn Par Thai 7atri
Ki-l premiums and an n uit lea received
uuN.il the rear S BI7.3W.M
Dlitdctids paid durln tut year.... S0.580.3I
K lnaea and da lint, emlonmcnti.
siirrrri(jers, and annuities paid dur-
InB tht y?ar MS.793.08
THE MUTUAL B2J2tEFIT KITS
IN 8 DBA NCI) COMPANY
Jnlin R. Hardin, 1'retldcnt
Harry H. Allen, Secretary
Statutory resident attorney foe sen let, iuba
J. riii ills
No. 43-40
I Synopsis of Annual Statement of the
Western National Insurance Company
'of San Francisco, in the State of. Cali
fornia, on the thirty-first day of De
cember. 1944, made to the Insurance
Commissioner of the State of Oregon,
pursuant to law:
INCOME
Net premiums received, $1,955,269.13.
Total interest, dividends and real
estate Income $188,307.81.
Income from other sources, $54,403.61,
Tolal income. $2,198,043.55.
DISBURSEMENTS
Net amount paid policyholders for
losses, $810,452.63.
Loss adjustment expenses, $45,007.78.
Agents commissions or brokerage,
$392,637.94.
Salaries and fees officers, directors,
home office employes, $121,321.30.
Taxes, licenses and fees. $94,552.06.
Dividends paid to stockholders,
$120,000.00.
Dividends paid or credited to policy
holders. None.
All other expenditures, $190.121 25.
Total disbursements, $1,774,092.96.
ADMITTED ASSETS .
Value of real estate owned (market
value), None.
Loans on mortgages and collateral,
etc., None,
Value of bonds owned (amortized),
$2,419,915.65.
Value of stocks owned (market val
ue) $2,647,820.00.
Cash in banks and on hand, $1,121,
322.78.
Premiums In course of collection
written since September 30, 1944, $266,-
260.29,
Interest and rents due and accrued,
$10,765.70.
Other assets (net), $32,487.18.
Total admitted assets, $6,504,577.60.
LIABILITIES, SURPLUS AND
7 OTHER FUNDS
Total unpaid claims, $779,284.46.
Estimated loss adjustment expense
for unpaid claims, $30,029.00.
Total unearned premiums on all un
expired risks, $1.4.13.193.87.
Salaries, rents, expenses, bills, ac
counts, fees, etc., due or accrued
$3,174.41.
Estimated amount due or accrued
for taxes, $108,989.90.
Commissions, brokerage, or other
charges due and accrued. $8,400.00.
All other liabilities, $55,361.29.
Total liabilities, except capital, $2,
418.432.93. Capital paid up. $1,000,000.00. ;
Surplus over all liabilities, $3,086,-.
144.67
Surplus as regarda policyholders.'
$4,086,144.67.
Total. $6,504,577.60.
BUSINESS IN OREGON FOR .
THE YEAR ' I
Net premiums received. $58.567 39. '
Net losses paid, $17,948.44.
Dividends paid or credited to policy,
holders. None.
Name of Company, Western Nation
al Insurance Company.
Name of President, Charles C. Han
Name of Secretary, W. Stanley
Pearce.
No. 48-46
Synopsis of annual statement of the
Monarch Life Insurance Company of
Springfield. In the State of Massachu
setts, on the thirty-first day of De
cember. 1944. made to the Insurance
Commissioner of the State ot Ore
gon, pursuant to law:
. CAPITAL
Amount of capital stock paid up,
$1,000,000.00.
INCOME
Total premium income for the year,!
$5.775.06T78
Interest, dividends and rents received'
during the year, $341,669.88.
Income from other sources received
during the year. $304,474,11.
Total income. $6,421,213.77.
DISBURSEMENTS
Paid for losses, endowments, annu
ities and surrender values, $223,736.
70. Dividends paid to policyholders dur'
Ing the year. $61,740.81.
Dividends paid on capital stock dur
ing the year. Includes $500,000.00.
(Stock Dividend) $57,280.00.
Commissions and salaries paid dur
ing the year, $258,364.85.
Tax oft, heenses and fees paid during1
the year, $26,033.93.
Amount of all other expenditures,
$209,207.15.
Accident and Health Dept., $3,799,
682.77. Total expenditures. $5,126,026.21.
ASSETS
Value of real estate owned (market
value). $303,592.48.
Loans on mortgages, $22,000.00.
Value of bonds owned (amortized),
$10,706,199.33
Accident Sc Health Dept., $6,348.00.
Policy loans. $362,941.03.
Cah in banks and on hand, $488,
811 88.
Interest and rents due and accrued.
, $90,194 47.
Net uncollected and deferred nrem-
turns. $261,371.32
Deduct assets not admitted. $9,644.
27. Total admttted asset. $12,271,984.24.
LIABILITIES
Net reserves. $6,197,095.48.
Gross claims for losses unpaid, $52,
606 00.
All other liabilities. $52987J8.
Accident and Health Dept., $3,116.
519 .21.
Total liabilities, except capital, $9.
419.407.87. Capital paid up. $1.000.000 00.
Surplus over all liabilities, $1,852,-
$76.37.
Surplus as regards policy holders, $2,-
852.576 37.
Total. $12 571.984 54.
BUSINESS IN ORFGON
FOR THE YEAR
Net premiums and annuities received
during the year, $11.960 16.
Dividends paid during the year, $262.-
13
Net losses and claims, endowments,
surrenders, and annuities paid during
the -. $7.363 84.
Name or company, monarcn uie
Tnnrnnce Comoanv.
Name of President. Clvde W. Young?
1 Naiua of Secretary, Carl too K. Nay.
BTNOPSIS OF ANNUAL 8TATTMTTXT 1
OR THE '
NATIONAL LIFE COMPANY
(A Ues Uolnas hi. In the Hi ate o( Jowa, un thr'
ihtrtj-firu day of tieremner. 114. made to die
Juauranct Commit ilotef of the Stale cf Oregon,'
puriuaux to law:
Capital
Amount of capital tok paid up.,..t Mutual:
Income
Total premium Income tor -the rear.t 1,4C,81.K
Iutereat, dlridttids and uM recti d
during ihe yw S26.K1.Vt
Incume fruto oilier auutccs reuelied
duiuif (ha )tir 311.aer.SS
. Tctal iDCOtna $ 1002.MT.
Dlab&namenta
Paid for IcusS, eodowtaeuu, ajuml
ilre and surrender falues.... $ CSS.GVf.
TI
XMrtdanda paid W poUcylivIdcra dur-
liiC Uie yvar
Dividends paid ca capita.) stock dur
tiif I ha jtr
Cemmluiona and laJarlta paid during
the jear
Taxes, llceiis.! and fee paid doxlug
tbe year
Amount of all otner expenditures...
i
. .1
in. aii.i; j
43,349.09 1
147.434.01 1
Total expenditures $
alHStal
Valua of real estate owned (book
rslue) $
Iioans on mortgages and collateral.
etc .f.
Value of bonds owned (amortized). .
Hharaa & Bar. Loan
Premium notes and policy loans..,.
Cash in banks and on band
Interest and rents du and accrued
iitt unto Heeled and deferred prem
iums OUier aaseta (net) agents credit bal
ances all other C1L
set, 113.64
t. 021.541991
0,391. . 83 1
327.500.00 !
B95.Ti3.S3'
241.St6.00
7S.M3.43f
js1.9n.1s'
S, 13ff.lt?
Tolal admitted assets ....$ 0,910,184.48
ZdabiUtlaa
et reserves f I.1S9.877.0?:
.dross claims fur Icises unpaid.,... 32,555.08
All ctber liabilities K0.037.S4
ToUl llablUUu, axcect caplUl...! 9,118,470.6
Captial paid up. ... $ Mutual
Burplui orer all 11a-
bllit'aa T.T18.84
Surplus as regards policyholders... ,.$ T49.T1S.S4
Total $ S.916.1S4.4S
Oiunssa in Oreron For Ths Taari
Jfet premiums and aonulUea rscelved
during the year $
Dividends paid during the year. . . ,
Net lows and claims, endowments
surrenders, and annuldes paid dur
Jng the rear
11.336 tO
01S.7I
1.T13.67
. XTATIOnTAXi XZFB OOMPAlfx
' U'UUam Koch. President
Wald J. DsrtdtOD, SecreUrj .
Statutory resident attorney for serrlcev Insur
ance Commissioner,
No. 45-4S m
Synopsis of annual statement of the
Penn Mutual Life Insurance Company
of Philadelphia, in thfl State of Penn
sylvania, on the thirty-first day of De
cember. 1944 made to the Insurance
Commissioner of the State of Oregon,
pursuant to law
Amount of capital stock paid up,
Mutual Company.
INCOME
Total premium Income for tht) year,
,$71,716,834.96.
Interest, dividends and rents re
ceived during the year, $32,131,152.88.
Income from other sources received
during the year. $27,341,570.80.
Total income. $131,189,558.64.
DISBURSEMENTS
Paid for losses, endowments, an
nuities and surrender values, $41,408,
584.27. ; Dividends paid to policyholders dur
ing the year. $9,853,999.24.
; Dividends paid on capital stock dur-
,Ing the year. None.
, Commissions and salaries paid dur-
'lng the year, $6,509,936.99.
' Taxes, licenses and fees paid during
the year, $2,665,342.96.
Amount of all other expenditures,
:$19.173.397.48..
, Total expenditures, $79,611,260.94.
ASSETS
i Value of real estate owned (book
value).$24.278.678.06.
' Loans on mortgages and collateral,
'etc., $118,873,806.45.
' Value of bonds owned (amortized),
$708,913,986.38.
Value of stocks owned (market val-
ue). $14.880,876 00.
i Premium notes and policy loans,
$48,284,914.78
1 Cash In banks and on hand, $14,207,
,110.70. Interest and rents due and accrued,
$7,463,293.71.
! Net uncollected and deferred prem
iums, $11 881,931.00.
Other assets (net), $322,412.87!
: Total admitted assets. $949,107,009.95.
' LIABILITIES
! Net reserves, $31".G07.i:l9.40.
! Gross claims for losses unpaid, $4,
494.416.62. 1 All other nubilities, $75,942,177.34.
, Total liabilities, except capital, $898.
Iu43.613.36. Capital paid up, None.
; "Surplus over all liabilities, $51,
063.396.59. Surplus as regards policyholders,
$51,063,396.59.
! Total, $949,107,009.93.
! At amortized or other values pre
scribed by National Association ot In
surance Commissioners.
( Surplus funds consisting of reserve
.for mortality and asset fluctuations
,and other contingencies and reserve for
.Mortgages.
BUSINESS IN OREGON
I FOR THE YEAR
Net premiums and annuities received
during the year, $443,113.81.
Dividends paid during the year, $66,-
627.18.
Net losses and claims, endowments,
surrenders, and annuities paid during
the year. $379,140.93.
Name of Company, The Penn Mutual
Life Insurance Company.
Name of President. John A. Steven
son. flame of Secretary. George ft. White.
Statutory resident attorney for serv
ice. Linton Erbland. 828 Pacific Bldg.,
Portland 4, Oregon.
SYNOPSIS OS" ASNDAt, 8TATE1IKXT
OF THK
AMERICAN EMPLOYERS'
INSURANCE COMPANY
of Via Ulla St.. Doaiun. In th. Htala of Masaa
tiiuiells, n Uia IhlrtJ-ftrat dar ol Dnvmbcr.
1941. mad. lo th, In.uranr. L'nmmluloQef oli
tha Stala of Oirun. punuaut to la.:
- Inoom.
Net pramlutna rfrirrd S12.003.500 If j
Total Inlatvit. dhldmds and teal
ei!at Inrotn. WO.tWT.I,
.Room, irom otnet ouT-ea T2g.l33.3f
ToUl
won" 113.332.
.081.2.-
Disbursements
Set amount Dald pollejliuldcra for
I 4.011.
Low adjustment eipen.ea atr
D90.5?
820. C
Aaents eoiumlMlona nr broker,,.. , . .
fialarlea and frMoMcer. director,,
1.131,
,27a:ir
,00.3f
,037.0.-
0O0.0T
0
,003.91
noma ome. employee.
Taiea. Ileentes and leea.
PMilends paid to (localioldrra ICaah.
1330.000.00; atoek. 10 00)
Dlttdenda paid or credited to poller-
holdera
330.
All other expenditures
f.101,
ToUl disbursement. 110 331330 33
Admltt.d Ass.ts
value or real una owned t market
. I 0
loana on mortsasea and collataral.
ete. fl
Value of pond, owned (market). 13 098 318 03
Valira of atocka oamed market salue) ,.3lt)!:u no
tasb In bank, and on hand l.ftn 929 35
Premluma In course ol cpllprUon
erltteo sine. September 30. lot, 1.031 T88 -t
Interest and renta due and acrrned 3, o;o S!
"""""""I ISllSI
rH'iiuf!"""". '"1" !3.370 (WW 11
tlabllitlM, Snrplna and oth.r ruaaa
Total unpaid daunt 1 80:9313"
estimated roes adjustment upens.
for unpaid claims 130.331 00
ToUl unearned premiums on all tut-
esrlred risks , a,, e
Salarlea. renu. eipmeea. bllla. eo
" ' ou. or accrued 329.300.00
Xatlmated amount du. or accrued for .
Ctsamlssiona." ' '0'",,' o,hW "'M 0
ehams du. and accrued 423 399 ti
ah other lisnmuea .'..v;;; j;: Jj! !!
Vdunur, mem.... LwlSg;
Total liabilities, ar.pt OMI.l. , .1, ..,,.,
ranul paid up I I.0V0.01M 00 "
iurrns mat all i,.
urwu. a. TOrda pollanold... ... t Ml m K
Sllm U OnaVoia ifai.' -J'- "
M ansn caJJ. .7! " J 51
MS,"0Ajt ZH PLOTIXIt'
UST,AltcJJ OOiil"8
rwinhiiattw. thmmk "-
.TX0P.lt 0 MJJ BTATBIKNT
I REPUBLIC INSURANCE
! ' " COMPANY
auaut to taw:
'zm """V-ai' 'm'""
.. anal, liicoma - '. . ...
T.,.. Uiconl. .i.MIM0
Dishnrsementa
Ketjmount p.ld olf ,,500.,16.bt
lyn .dJuitment'MlnK....t JJ-
.t. ,mn.iMloni or nroktraaa.... I,ls.S9.M
Sslartes and lee. officers, directors.
twma office employee
TI. lirensea and fee..
Uliidnds paid to stockholder! (t-atn.
I2t0.w0.00)
335,007.48
I33.4dl.78
240.000.00
402,017.93
BiMUltar
Admitted Assets
V'5af "U."Urt..":l!?..,. I 408.04..M
Loans on mortgages and collateral.
VaVue rt toVdV'omiaJiiortlaed)..
Value of siocka owned (market alue) B.3T0.SM.3
Caah m banks and on hand 38.853.0
Premiums In course of collection
riuen alnca HepUmber SO. 1M4-. 3.S3S.5f
Interest and rente due ana aorruea
Other auclS (mrl) 177.733.eS
Total adroltled awta iu,jj...o. u
liablUties, Snrplna and Other Funds)
Total unpaid claim S S6i.080.00
jitlmated low adjustment aipenje
for unpaid dalnrt S4.000.0fl
Total unearned premiums on all un
eiplred rliH. 4.707,850.17
Estimated amount due or acerued
for taxes lT7.Me.ST
Commissions.- brnkrrsge. or other
charges due and accrued 14,367.15
All other liabilities 786,013.97
; Capital paid up. .'....I 2,000.000.00
'Surplus oter all 11a-
- bllltlea S.T91.520.5S
Surplus as regards policyholders.... 4.791,550. Bf
ToUl S10.923.81S.lt
Business In Oreg-on For Ths Tear:
Net premlunuj recelied 10.388.05
Net losses paid 4.628.48
mBprjBLIO XNSUBAVOB
COKPANT
Hugh U. Oaffney. President
J. 0. Hurlbut, SecrsUry
-r: ;
i , No. 40-ST
I Synopsis of annual statement of the
Mercantile Insurance Company of
America of New York, In the State of
!New York, on the thirty-first day of
December. 1944, made to the Insurance
Commissioner of the State of Oregon,
pursuant to law: '
t INCOME
. Net premiums received. $2,504,137.40.
Total Interest, dividends and real
estate Income, $240,510.68.
i Income from other sources, $35,782.10..
Total Income. $2,780,430.18.
DISBURSEMENTS
I Net amount paid policyholders for
'losses, $1,180,068.05.
. Loss adjustment expenses, $115,806.-'
i Agents commissions or brokerage,
.'$641,601.85.
: Salaries and fees officers, directors,
(home office employes, $276,839.21.
r Taxes, licenses and fees, $113,391.30.
I Dividends paid to stockholders, $200,
I000.O0. ; Dividends paid or credited to pollcy
iholders, none.
: All other expenditures. $151,489.56.
' Total disbursements. $2,679,196.39.
ADMITTED ASSETS
' Value of real estate owned (market
:value), none.
I Loans on mortgages and collateral,
letc. none.
1 Value of bonds owned (amortized),.
'$4,898,659.16. !
; Value of stocks owned (market val-l
lue). $2,015,600.00. , ;
I Cash In banks and on hand, $964,-
726.75. I
i Premiums In course of collection
written since September 30, 1944, $459,-'
1 Interest and rents due and accrued,.
$26,664.31.
, utner assets inett, .oi.oiu....
Total admitted asset9, $8,402,405.84.
LIABILITIES, SURPLUS AND OTHER
; FUNDS
I Total unpaid claims, $413,431.00.
; Estimated loss adtustment expense;
for unpaid claims. $19,000.00.
1 Total unearned oermlums on all un-l
lexpired risks, $2,499,213.69.
Salaries, rents, expenses, bills, ac-i
counts, fees. etc.. due or accrued, SB,-'
'274.50.
Estimated amount due or accrued fori
Itaxes. $97,560.00.
' Commissions, brokerage, or other,
jcharges due and- accrued. $21,500.00.
' All other liabilities. S76.996.31.
, Total liabilities, except capital, $3.-1
'137 975 50
Capital' paid up. $1,000,000.00.
Surplus over all liabilities, $464,-i
'430.34.
Surplus as regards policyholders, $5,
264.430.34. ToUl. $8,402,405.84.
BUSINESS IN OREGON
FOR THE YEAR
' Net premiums received. $6,767.18.
Net losses paid $5,305.97.
Dividends paid or credited to policy
holders, none. ,
Name of Company, The Mercantile'
Insurance Company of America.
Name of President, Cecil F. Shall
cross. Name of Secretary, R. P. Stockham.
Statutory resident attorney for serv-i
.Ice, Temporarily vacant. Appointment'
pending.
No. 47-45
Synopsis of annual statement of The
Massachusetts Protective Life Assur
ance Company of Worcester, In the
State of Massachusetts, on the thirty
first day of December. 1944, made to
the Insurance Commissioner of the
State of Oregon, pursuant to law:
CAPITAL
Amount of capital stock paid up,
$300,000.00.
INCOME
Total premium income for the year,
$1,601,087.07.
Interest, dividends and rents received
during the year, $358,984.91.
Income from other sources received
during the year $128,095.30.
Total income. $2.088. 167.28.
DISBURSEMENTS
Paid for losses, endowments, annu
ities and surrender values. $460,108.31.
Dividends paid to policyholders dur
inn the year. None.
Dividends paid on capital stock dur
ing the year. None.
Commissions and salaries paid dur
ing the year. $163,733.11.
Taxes, licenses and fees paid during
the year. $43,068.71.
Amount of. all other expenditures,
Total expenditures. $806,305.54.
ASSETS
Value of real estate owned (market
value). None
Loans on mortgages and collateral,
etc.. $980.985 93
Value of bunds owned (amortized).
$9,374,315.73.
Value of stocks owned (market val
ue.. $870,060 00.
P return notes and policy loans.
tfW,6al 07.
496 83h 'n bank8 and n hanl. $520.
4 and rents due and accrued,
72.414.39.
lums! '"a dt'"red ""m-
Other assets 'net). -I1.473M.
Total admitted assets. J13.108.653 90.
LIABILITIES
Jjet reserves Sn.Oio.W9 00.
Gross claims tor losses unpaid. M3,-
All ' other liabilities. $653,010.98.
74867996 CXCePt caP'tal- .
Capital palo up $300.000 00
97394 ' 0Ver " llabll"iM 1.059.
359 97?.M5 a" r""d' Policyholders. $1.-
Total. $13.108.653 90.
BUSINESS IN OREGON
d,J;.pr.lmlum" I'l ,nnultit received
during the year. $.'1,075 37
None 0 1 d during the year,
mJ,se, ,nJ clalms. endowments.
SeTea"S$2.'rod49n''U'tie PM durln "
Name of Company. The Masaachu
Pilt". Pro,"v u' As."an"com
rlnVton. I,rMld",, Frnlt Har-
?,!?LSKT'"f-JoPh C. Molder.
EJW Well' tn""y t0'