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About Medford mail tribune. (Medford, Or.) 1909-1989 | View Entire Issue (Dec. 2, 1955)
) FOUR MEDFORD (OREGON) US1 "Everybody In Southern Oregon Read The Mail Tribune Published Daily Except Saturday by MEDFORD PRINTING CO. 17-39 North Fir St. Phone 2-6141 ROBERT W RUHL. Editor HZRB GREY Advertising Manager ITc. FERGUSON Managing Editor tRIC AIJ-EN JR City Editor HARRY CHIP MAN. Telegraph Editor RICHARD JEWETT Sports Editor OLIVE STARCHER. Society Editor JACK JACKSON Sunday Editor QERALD LATHAM. Circulation Mgr. An Independent Newspaper Entered as second class matter at Medford. Oregon, under Act of Marcn a. ioa' SUBSCRIPTION RATES By MallIn Advance: Per copy 10c.-. Daily and Sunday One year S120 Daily and Sunday Six months S.oO Daily and Sunday Three mos. 3.50 Sunday Only One vear Bt Curler In Advance Medford, Ashland. Central Point. Eaele Point Jacksonville. Gold Hill. Phoenix, Shady Cove. Rogue River. Talent, and on motor routes: -,." Daily and Sunday One year S15.0O Daily and Sunday One month 1.25 Carrier and Dealers 5c per copy All Terms Cash in Advance. Official Paper of the City of Medford Official Paper of Jackson County " United Press Full Leased Wire "MEMBER OF AUDIT BUREAU . Qg CIRCULATION Advertising Representative: WEST-HOLLIDAY COMPANY INC. Offices in New York. Chicago De troit San Francisco. Los Angeles. Seattle. Portland. St. Louis Atlanta. Vancoaver B.C NATIONAL EDITORIAL ASSOdl-ATIlQN O NEWSPAPER PUBLISHERS ASSOCIATION Flight or Time Medford and Jackson County History, from the files of The Mail Tribune 10, 20. ,30 and iO years ago. 10 YEARS AGO Dee. 2, 1945 (it'was Sunday) Mrs. Max Leischner is chair man in charge Medford Garden club members making Christ mas wreaths at Camp White. From Arthur Perry's Ye Smudge Pot column: Skiing is reported fineD in the high hills, but as yet no outdoor enthusiast has broke an ankle, or been the object of a systematic search by forest rangers. 20 YEARS AGO Dec. 2. 1935 (It was Monday) Bids on Ashland sewage dis posal plant opened; to be re viewed by city council, attorney Frank J. Van Dyke announced. O Andrew Hillman and Peter Bockstruck, foremen of Brad ford CCC.camp, find 1861 rifle in deserted shack on Rock creek 80 YEARS AGO Dec. 2, 1925 " (It was Wednesday) Superintendent of Schools E. H. H.edrick announces that members of American Legion will nolice parking and traffic at Salem-Medford football game Saturday. City council decides against ordinance levying $100 tax on stores selling tobacco. 40 YEARS AGO Dec 2, 1915 (It was Thursday) rXazel Dawn in five-part movie "Clarrissa" plays at Medford's Star theater. From Local and Personal col umn: D. W. Campbell, assistant feneral manager of the Southern 'acific, R. A. McAllister, land commissioner for the S.P. Co., Ralph E. Moody, attorney for the Southern Pacific, passed through Medford Tuesday eve ning in their private car Sis kiyou. What's the Answer? Can You Get 4 of the 7? Copr. 1955. Editorial Research Report 1. A major political party has named an incumbent vice-president for President several times since the Civil War, or not for over 100 years, or never? 2. All U. S. Stateepartment officials boycott Soviet embassy social functions in Washington; right or wrong? - 3. The average mileage put on U. S passenger cars is about 6,500, 8,000, 9,500, 11,000 or 12,500 a year? . 4. Tammany Hall did or didn't favor F. D. Roosevelt the first time he was named for President by a Democratic national con vention? 5. The largest city where Spanish is generally spoken is Mexico City, Madrid, Barcelona, Buenos Aires, Manila, or Rio de Janeiro? 6. The average U. S. senator is about 45, 53, 60, 67 or 75 years o35? 7. A man is said to die inte state when he leaves no widow, children, win, property or in surance? The Answers: 1 Not for over 100 years (last time: 1835). 2 Wrong. 3 About 9,500 is aver age. 4 Didn't. 5 Buenos Aires. 6--About 60. 7 No will. Vienna (U.R) The govern ment announced Thursday night that Austria and Spain had agreed to resume diplomatic relations. " 1 MAIL TRIBUNE Christmas With the arrival of Santa Claus (actually, there were six of them in the parade the other night) we can consider that the Christmas season is here. The streets are decorated and the stores are featuring gay and tempting windows for the gift-purchasers. Chriatmas, of course, means many things to many people. To Christians, it means the celebration of the an niversary of the birth of Jesus Christ. " - To many churches, it is the climax of the worship of the year. To everyone, Christian and non-Christian alike, it means a time of friendliness, of giving, of family gatherings. It is the greatest and most loved of holi days "in America. c TO MERCHANTS, it is the:season when they-do A their greatest business. Mother does the bulk of the shopping, the kids do their little part, and dad dashes in at the last minute, looking for something nice for mother, knowing full well she's taken care of everything else. It is a time when some of us spend more than we can afford, because "it's Christmas." To children it is a time of high and mounting ex citement, of hidden, mysterious packages to be thumped and squeezed as occasion arises. a TO POLICE officers, it is too often a time of death and tragedy, for in the spirit of the season, the highways often are jammed, and alcohol flows mofe freely than at other times of the year. To post office employees it is a period of overtime work, mountains of packages, mounds of letters and cards. All month long the pressure and the tension and the excitement mount,' day by day, until Christmas eve is here. Carols are sung, families gather, the last store closes, the last shopper dashes for home. And a great stillness settles over the streets and roads. Only in the homes is the quiet broken by happi ness and reverence and worship and gaiety. o THE Christmas season is also the time when a lot , of people; including this writer, get upset when it is spelled Xmas. Now this is a purely tempermental reaction, with out any sound basis in fact or logic. We just happen to like the word Christmas better than the abbrevia tion Xmas. The shorter version has a long and honorable his tory, stretching, back to at least the year 1551, and perhaps earlier. Its derivation is the Greek letter Chi, the symbol for which is X, according to information we received in the mail lately. It added: For centuries Latin and Greek were the foundation of a "classical" , education. Even early in this century no Englishman (or American) was well-educated unless he had mastered those languages. In the 1500s the New Testament often was read and discussed in Greek among the scholars and the clergy., When writing, it was perfectly natural for those learned men to abbreviate "Christ" into the Greek initial of "Xpistos," "X," from which came X-ian, X-itnity, and, of course, Xmas. From "Xp"istos, too, comes the "XP" which appears on altar linens, the YMCA emblem, nd atop the chapel steeple. And there we are. You msy prefer Christmas to "Xmas"; many people do. But remember that "Xmas" is not "eks"mas but "CH"(rist)mas; also that "Xmas" comes down to us with a tradition of at least four centuries of reverent usage. 3 " A LL of which is interesting, and we presume, fac tual and sound. But our own feeling is that there are some things which should not be abbreviated, even in Greek. We like Christmas. E.A. Return of France Tops News By CHARLES M. McCANN United Press Correspondent The week's good and bad news ( on the international balance sheet: THE GOOD 1. France resumed its place in the United- Nations assembly after a boycott which started on Sept. 30. The French delegation had walked out be cause the as sembly voted to debate the demand of na tionalists in French Algeria for independ ence. Algeria thanes iri ami politically is not a colony but part of France itself. The return came when the assembly re versed its stand. It was a victory not only for France but for other western countries which hold that the U.N. is endangering its future by trying to meddle in the internal problems of its member nations. 2. Argentina's provisional got ernment returned the great inde pendent newspaper La Prensa to its owners. It also dissolved the Peronist political party which enabled dictator Juan D. Peron to keep himself in power until his "overthrow by the army. Peron had seized La Prensa and made it a propaganda organ. Its restoration to its rightful owners was a victory for the free press of the world. 3. Restored Sulian Skii Mo hammed ben Youssef named in dependent nationalist Si Bekkai to form French Morocco's first representative government. The two leaders hope to end soon the terrorism which still plagues the protectorate. ' THE BAD 1. France's politicians maneu Friday, Dietmtet 2, 1SS5 for Week vered themselves into the coun try's most tangled cabinet crisis in nearly 80 years. The enemies of Premier Edgar Faure, includ ing members of his own party, defeated him on .a vote of con fidence on his plan to call an early parliamentary election. But they overreached them selves. They piled up against him an absolute majority of the votes in the National Assembly. That enabled Faure to dissolve Parliament and call an election anyway. Infuriated, the oppo sition sought to force Faure out by a vote of censure. But it was too late to stop the election. 2. Soviet Russia raise1 the threat of a serious new situation in Berlin. The Russian comman dant announced that East Berlin, which is the Communist sector of the city, is no longer occupied territory but is the capital of a "sovereign" East German gov ernment. Hie implication was that Russia intended to nullify the agreements under which Ber lin is under joint occupation by the Big Four powers, belonging neither to Communist East Ger many nor to free -West Germany. The3United States, Great Britain and France protested to Moscow. They feared a new Soviet block ade of West Berlin. 3. Nationalist China threatened to veto the admission of Outer Mongolia to the United Nations. Russia announced that unless that satellite area is admitted, it wiU kill the proposed "package" deal under which 18 countries would be given membership. It was disclosed that President Ei senhower had appealed personal ly to Nationalist Generalissimo Chiang Kai-shek to reverse his stand. But dispatches from Taipeh, Chiang's capital on the "island of Formosa, said he was unlikely to do so, Use Mail Tribuaa Want Ada MSStt f Of FOCf WHICH TEAM IS TALKING? I Washington The row about bi-partisanship in foreign policy has thus far involved Adlai Stev enson, AvereU Harriman and the Democra t i c National Committee on one side, and on the other, Senator Wal ter; Ge o r g e, Harold Stas sen, John Fos ter Dunes and the President Joseph Aln himself. In short, this is already a very majestic row indeed. But it is quite certain to continue and to grow worse unless the Eisenhow er administration deeides to re solve the glaring contradiction between the rosy picture of affairs that is given to the public, and the real state of affairs in the world. It is not crit icism of the Admin i s t r a tion; it is a simple state Stewart Aloop ment of fact. to say that the present state of affairs in the world is both peril ous and ominous. All you have to do is make what the diplomats call a "tour of the horizon" in order to see that this is so. The same papers that carried the President's call for a return to bi-partisanship also carried on-the-spot reports that Afghan istan is on the way to becoming a Soviet sateUite, and that Bur ma, which used to be one of the most hopeful countries in Asia. is now being deeply penetrated Dy boviet economic influence. The, position in the Formosa Strait is uglier than ever. The position in Indochina is a little better than tx months ago, but still dangerous in the extreme. The position in Malaya, where a Communist take-over in Singa pore is now a serious possibility, has grown worse than anyone 1 M uuuiu iuvi xoreseen. liven in Thailand, once so strongly al lied to tnis country, a strong trend towards neutralism has lately been reported on good au thority. In the Middle East, meanwhile, the Soviet arms sales to Egypt and the other Arab states are only the opening gambit in campaign to expel Western influ ence from this whole stratecicaL ly vital area. Secretary of State Dulles himself has privately characterized, the Soviet drive into the Middle East -as an event potentially "more serious" than. tne original aggression in Korea TN GERMANY, there is incress - - intf nan ooi" 4hit 4U a mgntmare of Western diDlomacv will become reality in the fairly uear iuture. as high an authoritv as George F. Kennan has already predicted that the Germans will finally abandon their alliann with the West, in order to buy le-unmcation of. their country from the Soviets. In Japan, a similar reversal of alliances will clearly become prooaoie, if. further Communist victories in Southeast Asia con vince the Japanese that the band wagon is traveling in the Com munist direction. Add to all this. finallv. the state of affairs most recentlv symbolized by the new Soviet li-bomb test. Remember that in ail critical categories of arms. the Soviets are now catchin un to this country. Remember fur ther that m certain important categories, such as jet fighters ana long range guided missiles. the Soviets have actually drawn anead. Consider the total im pact of this change in the weap ons oaiance when added to the threatened changes in the world strategic balance listed above. The addition is not encouraging. rurtnermore, besides stimulat ing Messrs. Stevenson and Har riman to view with alarm, this same melancholy addition had already another result that may prove, even more significant. In effect, it has caused the Eisen hower team to split into two teams. The first team is stm com. posed of those who are not yet convinced oi the need to take urgent measures to halt the de terioration . of the world situa tion. There has been some exaff- geretion in the recent talk about the "Four H Club," which com prises Secretary of the Treasury (jeorge wumpnrey, Under Secre tary of State Herbert Hoover Jr., Foreign Aid Administrator John Hollister and Budget Director Rowland Hughes. Neither these ! men nor their allies, such as Sec retary of Defense Charles E. Wil-' son, are so complacent or so ! obstinately attached to a busi-! ness-as-usual policy as they ere often charged with being. TOUT the viewpoint of the first team nonetheless differs very widely from that of the second team. At present the second team comprises an astonishingly large number of men on - the higher staff levels of policy-making in both the State and Defense Departments, and even the White House itself. The second team of the Eisenhower administration adds up the world situation just about as it has been added up in this report. And the second By Joe ond Stewart Aisop team is already, convinced very passionately convinced that most urgent measures are now needed if the worst sort of trou ble is to be avoided. Thus far, several key figures of whom Secretary Dulles is by far the most significant, have not finally chosen which team they will play on. The President, above all, has not yet decided Bebson . . Insurance Stocks By ROGER W. BABSON Babson Park, Mass. (Special to Mail Tribune) Next to cer tain good chain store stocks, I believe that insurance stocks present the best op portunity to investors for a combination of growth, security and income, p r o- lUger w. Basses, vided the gov ernment does not foolishly in terfere with the business. Fire and Casualty Insurance Stocks selling substantiaUy be low their estimated equity val ues should meet these three re quirements. I do recognize that these stocks have gone up much during the past several years (along with the general run of 6-30-55 Ratio: Price Some Div. Ind. Net Worth to Est. Pd. Ea. Yf. An. Price or Equity Invest. Company Since Div. Per SKre Sarmnft Agricultural Ins 1864 S1.60 37 $ 64 18'i Fire Assoc. of Phil 1858 2.20 58 89 16Yx Firemen's (Newark) ....1937 1.20 41 89 1 Great American Ins 1873 1.50 39 61 15 Hanover Fire Ins -:.1853 2.00 48 75 16ty Home Insurance 1874 2.00 51 78 SO1 Nat. . Union Fire 1934 2.00 6 71 16 New Amsterdam Cas ..1937 1.80 56 82 16?i Springfield Fire and Ma -1867 2.00 65 104 ltls good issues) because of their ' increased earnings, increased I dividends and higher equity val- j ues. I also know of the unusual losses most of these companies have suffered as a result of hur ricanes. An examination of fire and casualty stocks, however, shows that, based upon the distribution of funds in their investment portfolios and that selected stocks in this group can now be bought at substantial discounts below their equity values, the risks are relatively small. Stocks Compared As every reader of this col umn should have fire, casualty, and life insurance stock in some company, he should perhaps first buy the stock of the com panies of which he holds a pol icy. Investors, however, who have surplus funds may like my ideas. Here are some sugges tions: I have invested .my hard earned savings in the Home In surance Company, of which I was once a director. I have learned first-hand the high char acter of their officers and man agement. ! Premium Sales and Earnings The long, unbroken dividend record of these stocks through periods of good times, depres sions, wars, great fires, and oth er national disasters appeals' to me. This certainly attests to the soundness of the insurance bus iness as well to the soundness of the individual - companies. The growth of equity values in insurance stocks over the years is evidence of the need for ever increasing amounts of insurance sold. The increase in population could offset the unfavorable ef fect of inflation. Fire insurance rates are es tablished by state regulatory bodies on the basis of a contin uing five-year average of the loss experience. Rates are set so that the insurance industry as a whole . is able to make a" fair return on the business handled. Investment Trusts Insurance companies usually have the diversification and su pervisory advantages of Invest ment Trusts or Mutual funds; but in addition, have the insur ance business profits. The funds of insurance companies consist of two major portions. First, there is the reserve which is set up against unearned premiums. This reserve is usually in highly liquid, high-grade assets which are quickly available on de mand. The second part of the insur ance companies' portfolio con sists of what may be described as the stockholders' equity, which serves as a kind of ad ditional guarantee fund to pro tect policyholders and stock holders. How this fund is man aged, as regards type of invest ment, depends somewhat upon the kind of insurance written. The longer the term of the con tract and the greater the re- 2 3 1 EAST SIXTH ST. . I BEEF MUTTON BEEF SLICED 1 ROAST ROAST STEAK Jj'N' 'j " the Issue between Ms two teams. But since there are so many viewers-with-alarm in the most high and secret places of the Ad ministration, it -seems a bit odd to charge a break of bi-partisanship to those who refuse to re peat, like happy parrots that "every day in every way, every thing is getting better and0 bet ter." (C) 1S55. New York Herald q Tribune, Inc. liance upon the law of averages working out in a particular kind of insurance, the greater the term that the capital funds may be invested. Other Reasons G Most insurance stocks actual ly have more money working for them than the market prices of the issues show. Over and above this inherent element of strength protection against a sudden turnaround in the long bull market for common stocks the above nine companies have been selected because of the excess of admitted-asset book values over current mar ket values' of the company shares, even though they must pay 20 per cent tax on the in come from their investments. Further reasons are: (1) -Ji addition to investment earnings retained by the companies, net earnings on unaerwruings aic usuaUy plowed back into the business, (2) Good insurance stocks deserve to sell at a time earnings ratio somewhat higher than is usual for other types of companies, and (3) The lag- in premium rate raises, insurance stocks are a logical form of post- mflation investment. Non-Flammable Materials Great progress has been made m preventing loss of life and property since Mrs. O'Leary's cow kicked over the lantern and burned Chicago to the ground: The first step was the inventing of a fire alarm system by John N. Gamewell of Newton, Mass, He was burned out in Chicago. Returning East, he interested Boston in the fire alarm idea- After getting these municipal fire alarm systems in ths) coun try's leading cities, the fire chiefs turned their attention to sprinkler systems under the leadership of George I. Rock- wood of Worcester, Mass., of which company Wm. J. Carroll is now President. As statistics were beginning to show that almost as many were being killed by automo biles (with corresponding losses to Insurance Companies) as by fires', the Gamewell laboratories worked upon traffic lights. With factories ;at Moline, 111., they under the leadership of Matthew Porosky, are spending millions to reduce life and accident loss es from automobile accidents Now the whole army of fire chiefs are urging the increased use of non-flammable furniture and textiles with the hope of preventing or stopping fires at their source. Fire Losses To High Notwithstanding the marvel ous work that Gen. Mgr. Vin cent of the National Board of Fire Underwriters is doing to lessen fire losses, these losses continue to climb. The official statistics show that over 26 per cent of the fires reported from known causes are believed to be due to smoking and matches. This Board has a tremendous uphill task to compete with the cigarette advertising. '' Without interfering with this advertising, the Fire Insurance companies should" supply the Board an equal amount of money to spend on newspaper advertising to prevent fires, as the' tobacco people spend on ad vertising. When the insurance companies provide such funds, you will see the fire losses per home begin to decline. The above hope is another reason why I am bullish on good fire and accident insurance stocks for the long pull, although these .stocks may decline with the general market. Finally, the Insurance Business is basically a Christian co-operative enter prise where the fortunate peo ple club together to help the un fortunate in case of fire, acci dent, or death. There are 10,050 bridges in the nation's rural interstate high way system. Communications Letter to the Editor must bear the name and address of the writer although under certain circum stances the use of a pen name or initial for publication ii permis sible The Mail Tribune reserves the right to edit all letters with an eye to clarification and condensa tion Letters submitted for publica tion must not exceed 400 words. They Cry Out To the Editor: American In dians everywhere cry out to not disorganize them and taKe tneir lands as the despairing cry of the Taos Pueblo Council: "We want to keen our lands and peo ple intact. We want to keep tne good way of life that we have known for thousands of years. Let's not forget that the first authority was seized through military invasion of the Indians homelands. The Seminoles were driven into the Everglade swamps; Georgia Indians herded like wild beasts . from their Southland into the Oklahoma wilds, more than half being killed or dying enroute, Pota- watomis dragged from then- bounteous fish and game Mich igan forests onto the Kansas plains, others treated with no less cruelty. Indians were swindled out of all but a few of the poorest acres of their lands. The 1887 grant, of 138,000,000 acres was reduced to 47,000,000 by 1933. The 1934 Reorganization Act raised , their estate to 56,000,000 acres now being chipped away. America, the richest nation on earth, spending millions every year to save all the rest of the world, relieve want and suffer ing, would condemn any other country for treating any people as American Indians are being misused. (Read Justice Douglas's Product of Terror on Russia) Commissioner of Indian Affairs' order of May 16, 1955 will force Area Directors to bring chaotic tragedy; add millions to state and county burdens, and another blot to political records with American Indians. Instead of taking their lands and trying to force American Indians to live and think as you think they should, why not es tablish all Indian lands Tribal lands forever, to hold and manage by their Tribal govern ments as long as there - is an America? American Indians never de stroyed America's forests, prai rielands, wildlife. Those who caused dustbowls, timber famine, deserts, are condoned, and still permitted to hold land and con tinue havoc. Timber and graz ing landgrabbers crave the In dians' crumbs. For information on this subject write to Associa tion on American Indian Af fairs, 48 East 86th st., New York 28, N. Y. ' Churches and other organiza tions are doing wonderful work helping American Indians qual ify to meet and compete with people of other strains of blood. Let us go on with their excellent program. But let us not permit the erucial threat to this,- an other American heritage. John E. Gribble 139 Kenwood ave. Medford, Oregon Editorial Commenl NEW GROUP NEEDED In any activity, the sponsors soon find they have a group which soon becomes known as the "old faithful," those who will fall out at any hour of the day or night to put a project over. At the same time, there is need for new recruits all the time, to add to the ranks of the "old faithful" when it becomes necessary. All this is by way of leading up to the trip of the Red Cross bloodmobile to Central Oregon communities this week. The "old faithful will be on hand to donate their blood. Col lectively, they will probably ac count for two-thirds of the dona tions received. But unless some new blood (no pun intended) comes along, the bloodmobile will fall short of its quota here. The blood program is an im portant one, war or no war. It (and the resultmg blood and gamma globulin collected) means much to many on numerous oc casions. The process is simple, quick and painless. Why not drop down to the collecting station and donate a pint? You'll never miss it. Bend (Ore.) Bulletin. (Editor's note: The bloodmo bile will visit Medford next Thursday, Dec. 8, from 1 to 5 p.m. at the Elks temple.) ' Dead line Sunday Classified Is at noon Saturday; 1 a. m. Monday for Monday: other days 5:30 previous day SUGGESTED BIBli READING VERSES The Medford Council of Church Women each year be between Thanksgiving and Christmas sponsors a pro gram of daily Bible reading, recommending a different verse of the Bible for each day during that period, in co operation with the American Bible association. Following is the passages recommended for today: Matthew 18:1-14 Christ Teaches His Disciples. Police Car Bids Open Yesterday - Bids on four new city police cars were opened at the city hall. yesterday. " " The cars must meet police specifications as to horse power. and tire size.. Three police cars, ' used during the past year, will be traded in on the new vehicles. ' A fourth car was demolished in an accident early Wednesday morning at Main and Front sts. Bids received were from Courtesy Chevrolet,-who offered to furnish four cars at a total cost of $7,474.02, allow $2,950 trade-in value on the old cars, resulting in a net cost to the city of $4,524.02; Dick Knight com pany, $6,887.26, total cost; $2, 916, trade in allowance; net cost' to city, $3,971.26; Crater Lake; Motors, $6,406 total cost; $2,915, V trade-in allowance; $3,491, net. cost; Darrel-Miller company, $8,- 967.74, total cost; $1,500, trade' in allowance, and $7,467.74, net cost to the city. The bid will be awarded at the city council meeting Tues day night. Three of the ctrs will be black with white front doors. The fourth will be a color chosen by the police chief . . "City police drive cars about 60,000 miles a year, according to city manager Robert Duff. - Britain's Comet Jet Starts Test Flight - London (U.R) Britain's famous Comet jet airliner, plagued by two ma jor crashes which killed 56 personstook off today on a test flight half way around the world. . . " ' The structurally strengthened Comet III airliner will fly to Australia in the first long-range public test since a series of tragic crashes almost caused its manu-; facturers to scrap the Comet. British Overseas Airways Corp.. has ordered 20 Comet IV models, of which the Comet III i test model is the forerunning fly-; ing laboratory. Dead line for Sunday Classified Is . at noon Saturday. . . . - QUICK RELIEF FROM MOST I ARTHRITIS RHEUMATISM PAINS -OR YOUR MONEY, i ' BACK!. 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