The Chester Courant and Advertiser for North Wales

The high quality and purity of SiuiUt Sm "as Ct £ TH £ y> make it a great economiser and )/ saver of time, health & strength. Housewives remember the soul=wearying labour of wash=day, before the advent of Sunlight Soap. Rubbing, scrubbing & steaming ( went out of woman's life when L <1 } Sunlight 5oap came into it. CO \\mWrMk' Its use is so simple:— Rub it on the clothes, roll them up, rinse them out, and the work is done. It's the purity of I cJi £ Jl4/i/ig/i4/ C/W^K )\ ir /f I that saves all the hard labour r fjpf £ j/|l\ washing involves, and it's no I 'Xxy' dearer than common soaps. 3> I -j | if^ j I LEVER BROTHERS, Ltd., Port Sunlight, England. '$■ » I The name LEVER on Soap is a guarantee of purity and excellence. Jprojperity awaitj evtery Wi I Ii ngWorker LA- in N c. LiLnd Climate* v-. H"e t4i, C iM te-: _-c-^Light/Taxes ree c -F -S;' "liools Came P%wxh,4 FREE FARMS OF 180 ACRES. For latest official Maps, Pamphlets and full particulars, gratis, apply to Mr. W. T. Rio PRESTON, COMMISSIONER OF EMIGRATION, 11-12, CHARINQ CROSS, LONDON, S.W, or Mr. A. F. JURY. OLD CASTLE BUILDINGS, LIVERPOOL. A A A f ESSCCB U nillCil A SOLID SILVERALBERTf ■ PBlPPI I ll9VC.nl (HALLMARKED) HANDSOME! MASSIVE! jg I 8 Blfcfc#B ■ WB ■" I WILL GIVE YOU ONE FREE g H TO SECURE IT, FILL IN THIS COUPON AND POST IT TO ME, TO DAY 1 f| ■ | To Mr. H. SAMUEL, FREE GIFT "AfiMiF" flC/ I ffl Market Street, Manchester. #*UI"^L» Vffi/-S I Dear8ir' COUPON .pVER I ■ Please send me by return your "ACME" SILVER LEVER M ■ WATCH for which I enclose P.O. 25/- together with FREE PRIZE Je M GII?T of a SOLID SILYER ALBERT-as described above, ? Yours truly, Signed — H. SAMUEL, will send this watch for SEVEH DATS FREE JKrC M. fZ/m INSPECTION for P.O. SI- ONLY, and will refund deposit in JW/ N { flit full if watch returned. j/jKl I lift ;ESCRIPTION.-Solid SILVER (stamped) CASES, fully jewelled, fine ifil 1 sSSll 3 plate lever movement, accurately adjusted and timed, contains If I |K § s§3S|| improvements specially reserved to H. SAMUEL'S Watches and IX, jL EHI fi am II protected by ROYAL LETTERS PATENT. SEVEN YEARS WARRANTY jM*-A k !Bj I 1311 Write for my BUYER'S 6 EAT FREE REFERENCE BOOK I can supp I Jjl | |M ifiUjl you with every want t Send me full particulars now! When buying A H^hI from me you DEAL DIRECT and keep the middle profits. #T* I GUARANTEE YOU AGAINST LOSS, DISAPPOINTMENT, OR DELAY. \Wll\ IjBEHf DIAMONDS, GOLD AND SILVER WATCHES, JEWELLERY, ELECTRO. MJSKT A /SFFIHV PLATE CUTLERY, MUSICAL INSTRUMENTS, GRAMOPHONES,&C. \§9LWW ENORMOUS SELECTION! FACTORY PRICES! FREE BONUS PRIZES! SEND ME A POST CARD TO-DAY I I Dept MARKET H. SAMUELI 926 ST., MANCHESTER | A VEGETABLE I & FLOWED v | B N M Si !N B? 5EEDS Seed Potatoes, Garden Too?& & Sundries.$ AU beat qualities. Carriasi Free. j £ j 3 Illustrated Catalogue$&: pc-st fra tn | I O as Seed ^akioases | Lit ø9 "W'?, =J I1S' I RUBBING EASES PAIN. ACCIDENTS & AILMENTS. I Elliman FIRST AID in ACCiDii.MS & AILMENTS, HYGIENE OF THE ATHLETE, MASSAGIi, &c, 256 pp., Illustrated. .Price Post free throughout the World, stamps or postal order (Foreign .c.tesips accepted) or upon receipt of booklet t i.v^ra or sight ot bills snowing purchase of 3 bottles of ELLIMAN'S Universal Embrocation, I, i* size, or one 2/0 or 41- bottle. ELLIMAN'S EMBROCATION. For Rheumatism. Lumbao. Sprains, Bruises, i*e12 Cuts, Sore Throat from Cold, Cold at the Chest, Neuralgia from Cold. Chil- blains before B"ok«n, Corns when Painful, T^mP' Stiffness, Ntireness of the Limbs after Cyclinif. ^ootbai', Rowing', &c. Bottler 8'ni., i<5.}, 2/9, 4' I' Bottler X ,J.. I, ¡. 2/9, 4-. GLLIMAN, SON"; & Co., Slougbi England. j

■>> — -—— AHMr AND VOLUNTEERS. The 2nd Earl of Chester s V.B. Cheshire Regi- ment will go into brigade camp at Salisbury Plain from Julv 23rd to August 6th next. ADJUTANTS OF AUXILIARY FORCES.- It is rumoured that in future all Regular officers appointed to be adjutants of Auxiliary Forces will be so appointed for one year only on probation. At the end of that period it is proposed that reports shall be furni-hed both by the Volunteer com- manding officer and the officer commanding the district, and if both are favourable the officer con- cerned will be confirmed in his appointment. The idea seems to be an excellent one SUCCESSFUL MILITIA CANDIDATES.— The undermentioned militia candidates, who passed the competitive and qualifying examination in September, 1903, respectively, were on Tuesday gazetted second-lieutenants :—Line battalions The Cheshire Regiment Lieutenant Chas H. Hart, from the Kent Royal Garrison Artillery (Militia); Lieutenant Richard Mallinson, from 4th Batt. the King's Own (Hoyal Lancashire Regiment). A DESERVING CAUSE.-A ball is being or- ganised for the purpose of assisting Sergeant Charles Sconce, of E Company of the 2nd (V.B.) Cheshire Regiment. Sergeant Soonce, who is a Volunteer of 17 or 18 years' standing, attondel c-amp at Salisbury Plain in July, 1902, and; was there attacked by an illness which has resulted in a kind of paralysis. He has since been unable to follow his employment as signalman in the service of the L. and N.-W. Railway Company. The ball, which will take place on March 2nd, is under the patronage of the Mayor (Mr. R. Lamb), the Sheriff (Mr. D. L. Hewitt), and Colonel T. J. Smith. Mr. J. B. Brownson's band have given their services for the occasion. Subscriptions will be received and acknowledged by Mr. G. Hayman, 43. Talbot-street, Ch-ester, the hon. seretary and I treasurer. IMPERIAL YEOMANRY TRAINING.—The I Commander-in-Chief, in a letter just- issued from the War Office, calls attention to the fact that the Yeomanry are not fulfilling their proper function. From reports he has received, says Lord Roberts, relating to the Imperial Yeomanry training last year, he infers that there is a danger of their in- struction as mounted riflemen becoming subordi- nated to a desire to emulate Cavalry. Command- ing officers are, theref-cxe, to be instructed, to- gether with the officers detailed to make inspec- tions of corps, that the role of the mounted rifle- men, as indicated in the preface to Imperial Yeomanry Training, is to be followed, and that alone. Any disposition to cultivate extreme ac- curacy of drill, school riding, and the like at the expense of the essentials of a mounted rifleman's training, i.e., markmanship, skirmishing, horse- manship, and scouting, is to be firmly repressed.

WEEKLY MTD DAY SERVICE FOR BUSINESS -Three ago a short service, lasting: for 30 minute*, and adapted to the needs of busy men was imiusmratcd at the Y.M C.A. Rooms. Alderman John .Tones 1St Oswald's) pre- sided over the first meetmsr. The three meetings already held have been well attended, and give promise of a permanent and useful career. It is interesting to note that adherents of the Established as well a* of the various Free Clvirches. attend and take part in this mid-dav mePtinar The service is Unsectarian, a?icl is managed by a committee of business men. They are he'd each Thursday from 12 to 12.30. 3 I

AGR 1C U LTURE. RETURN OF THE WET WEATHER. Notwithstanding the return of wet weather, considerable progress has been made with plough- ing during the last week or two, and it is rather cheering in journeying into different parts of the county to notice considerable breadths of well- turned soil awaiting the diills and harrows. This is only on the lighter lands as much of the low- lying is excessively wet and unfit for tillage pur- I poses; the atmosphere, evz:n when no rain has fallen, not being suffiientiy diying to affect the surface to any appreciable extent. But a good month still intervenes before March, which is considered early enviugh to begin sowing. The winter-sown wheat, what there is of it, looks well where it had the good foitune to be drilled in properly. But much cannot be said in favour of the chance work of broadcasting and scuffling, 88 adopted in some instances, where farmers made desperate efforts in November to be abreast of the work. It is at best but a slovenly and unsatis- factory process, and those witO have adopted it, it may be readily conceived, have no reason to be proud of the job We have h"d a few gleams of sunshine and promises of blighter days, but un- fortunately heavy showers have succeeded to mar the situation. The Prospect of the lengthening daylight, however, is a hopeful feature; and though it is said "as the daj lengthens the cold strengthens," it may be taken that almost any change from the monotonous rain will be accept- able. Sheep still manage to find a living on the fast-failing pastures aided by a few roots and hay, but cattle and dairy cows have had for some time to be specially cared for. The touches of frost at intervals have had the wholesome effect of keep- ing in check vegetation which has shewn itself too forward, and it is to be hoped that what of winter yet remains will come in proper order, so that tiis disastrous faiiuie of fruit and other crops last year may not be repeated. The latest reports from the early lambing districts are still very unpromising, both in regard to numbers and mortality. Fresh competition is threatening the British fruit-grower in regard to the importation of a new variety of summer apple. Of course the stranger hails from America. It is named the Randolph, is said to have been tested and found suitable for shipment It has an acidulated but pleasant flavour, and, having a vivid scarlet colour, is very attractive. A report comes from Winterton that two men saw a cuckoo there last week. They at first thought it to be a species of sparrow-hawk. But all doubt was set at rest when the bird uttered its well-known note From the report of estimates issued by the Irish Department of Agriculture it appears that all the crops come out smaller for 1903, compared with those of the previous year; and wheat, barley, oats, potatoes, turnips and mangolds, are below the ten years' averages. According to the same authority, all crops in the United Kingdom were lower for 1903 than for 1902, oats, beans, peas and hay alone working out above the ten years' averages. A Reuter's telegram from Capetown on Wed- nesday stated that a ten ific rainstorm occurred on the previous day, sweep ng away a railway bridge. Two gi:ders weighing sixty-two tons each were carried 300 yards down the Lesseyton River, which rose 30ft in forty minutes. Much damage was done to property but luckily no casualties to human life are reported. As evidence of the severity of the weather re- cently, it may be mentioned that the lifeless body of a farmer named Brooks w • s found in a wood at Sedgley. Stanordslrre. He left his club shortly before eleven o'clock on the preus night to return home. The night was intensely cold, and it is supposed that when parsing through the wood he kumblrd and fell, and being unable to raise himself he died from exposure, being in fact frozen to death. Canada has been experiencing the most pro- tracted spell of extremely coid weather known there for thirty years. The cold is accompanied by heavy snowfalls. Dr. Derham. presiding at the annual dinner of the Walkden Tenant Farmers' Association, re- ferring to th? subject of co-operation, said ex- cessive competition multiplied expenses, reduced prices, lowered quality, and wasted time; while co-operation reduced expenditure, increased prices to a normal figure, ;mproved quality, and saved time. The Gloucestershire Chamber of Agriculture have passed a resolution affirming that a larger proportion than has hit he-to benn the case of the County Council funds applicable to technical education should be devoted to theoretical and practical agricultural teaching. Mr. A. D. Hall of Rothamsted, says the only hope for the British wheat-grower to combat with his foreign and colonial rivals lies in the success of our enterprisincr seedsmen in evolving new and improved varieties of corn He cannot ex- pect to hold his own with the existing sorts, none of which possess th- swelling capabilities of the best wheats from the North-West, of America, while the adoption of the American varieties even would not materially imnrovo his nosition since the foreign wheats of srreat strength are all "hnd oroppers." v p-o-n A WORD IN SEASON. "Land and Water Illustrated" say, "A word of warning is not out of place to all those who contemplate purchasing seed corn and dover seeds, not forgetting that, valuable plant sainfoin. There is no doubt seed will be scarce and dear to buv. but the most important. and difficult matter will be to procure genuine stuff. There is a lot of over-heated corn in the country, and all intended for seed ought to be tested before purchasing, or a warranty as to its germinating powers ob- tained from the vendor. The former method is advisable, and will save trouble afterwards My advice respecting broad clover and sainfoin is to let it alone for this year as there was so little seed secured in this country worth sowing. There will no doubt be plenty of foreitm seed to be ob- tained, especially of sainfoin, and after the results I have seen I stroncrlv adviso. postponing the seed- in? of sainfoin and broad clover for a year." LINCOLNSHIRE FARMERS AND THE TARIFF. At the annual meeting of the Lincolnshire Chamber of Agriculture, at Grimsby, resolutions were passed supporting the propositions of Mr. Chamberlain in their entirety, advocating the ad- mission of all Colonial produce, the revision of local taxation, the admission free of duty of tea, coffee, drugs, etc., and an allowance of 5s. per quarter to farmers holding their wheat in stock and threshmg it out between April 30 and Sep- tember 1 every year. La-d Heneage. in advo- cating the last-named proposition, said he did so on the ground of national policy, and not as a sop to the farmers of this country. The formation of Mr. Chamberlain's Commission was justified in every way. He regretted there was not a man on the Commission itself to directly represent the agricultural interest. Lord Yarmouth, who en- dorsed the views of Lord Heneage, said it did not appear that the representation, as at present pro- posed, was at all adequate for the importance of agriculture, which had the first claim for assist- ance in any Tariff reform SHROPSHIRES AT CHICAGO With regard to the fat stock show at Chicago, the "Breeders' Gazette" says:—The Shropshires again maintained their superiority in numbers and popularity. It was undoubtedly one of the best shows of the breed ever made in this coun- try. The winners included Dr. Davison, Geo. Allen, Richard Gibson, John Campbell, J. G. Hanmer, Lloyd Jones Bros., and others, and in the fat sheep section the grand ohampionship for all breeds, grades, and crosses was won by the Wisconsin Experimental Station Farm with a Shropshire grade, and the championship for the best wether lamb was secured by Richard Gibson with a Shropshire lamb. The value of the pure- bred Shropshire ram on the grade ewe was clearly proved by the fact that this cross secured the grand-championship of the show. u n-n. CANADIAN AND AivlKKIUAIN YY iliiAX CROPS. The final estimate of the wheat crop of Ontario in 1903 is 21,893,470 bushels, against 26,281,700 for 1902. The corresponding figures for Manitoba are 40,000,000 bushels, as compared with 53.000,000; and for the North-West Territories they are 16,735,000 bushels, against 13,956,850. Apart from the small quantities grown in Quebec and the Maritime Provinces (usually set at about 2,000,000 bushels), for which there is no official return, the total for 1903 is 78,628,470 bushels, as compared with 93,238,550 for 1902. The official estimate of the wheat crop of the United States in 1903 is 637,822,000 bushels, as compared with 670,063,000 for 1902. For maize the estimate is 2,244 177,000 bushels, or 279,471,000 less than the good crop of 1902. Oats also have turned out less productive than in 1902. the reckoning being 784 094,000 bushels, against 987.843,000. Barley is grown on only a compara- tively small scale, the total being 131,861,000 bushels, or 3,093,000 loss than in the preceding year. It is curious to notice that only about the same quantity of potatoes as is produced in the United Kingdom in an average of years is grown in the United States for double our population. The estimate for 1903 is 247,128,000 bushels, or a little over 6,000,000 tons. FUTURE OF MANITOBA. The Hon. G. E. Drummond. president of the Canadian Manufacturers' Association, speaking at a banquet given by that association, referred to th great future in store for the province of Manitoba, and stated that: "Competent autho- rities assume that within the next ten years Manitoba will have ten millions of acres of land under cultivation. Computing the increased acreage in ten years by last year's acreage in crop, Manitoba will then be producing in one year over 168.340 280 bushels of wheat, 92,655,290 bushels of oats, 21,787,160 bushels of barley, and in all grains 283,933,860 bushels. Assuming a similar increase in acreage in the territories, and making allowance for varying local conditions, it is computed that the production in Manitoba and the territories ten years from now will be 350,000,000 bushels of wheat, 200000,000 bushels of oats. and 50.000.000 bushels of barley. This is given on the authority of the Deputy Minister of Agriculture of Manitoba. The average require- ments of Great Britain yearly are, say, in the vicinity of 175,000,000 to 200,000,000 bushels. The question that will, therefore, in due time confront agriculturists of the west, and indeed the faimers of all Canada, is where shall we find a market for, say, our wheat in ten years from now? The answer to that question is or rather should be, 'Right here in the home maikel.; for, say, our wheat in ten years from now? The answer to that question is or rather should be, 'Right here in the home maikel.;

ACTON PLOUGHING MATCH. -+- This annual event took place on Tuesday, at Hurleston, near Nantwich, when prizes to the value of E;50 were offered for competition. There was keen competition, especially in the one-way digger and the hedging and ditohing classes, the number of entries in the former being 14, and 11 in the latter. The competitions for the double or single plough and the one-way digger ploughs were decided on the Sandtieid, a portion of the Baohe House Farm, belonging to Mr. Wilfred Parton, and the other trials of skill took place on the North Ridge, belonging to Mr. J. Bcffey. The Sandfield was a piece of pasture of six years' standing; and some portions of tne North Kidge had never been disturoed for tne last bU years, while otner parts had not been ploughed within the recollection of the oldest innabitaut. The soil was of a deep loam, free from stones. Excel- lent work was done, and tne judges spoke very favourably of the capital quality of this ieature of husbandry, Tne digger piough seems to be a-n implement oonunually growing in favour, but there were to be seen many wno lavoured the old type of plougn, and they used it with great skill and efiect. This year there were iliore competi- tors than ever in the hedging and ditching class, and so satisfied were the committee with the I' c quality of the work produced that they awarded the sum of 3s. to eacn of those w no failed to ob- tain a prize. The teams and turnouts were an especially praiseworthy feature. During the day Mr. and Mrs. Henry lolleinaene visited the match and were much interested in what was to be seen. The judges were Mr. Geo. Moreton, Kin- derton Hall, Middlewich; Mr. Wm. Blackburne, Rostherne; and Mr. John Brown, Ashley. Mr. R. D. Hughes was the energetic secretary. The following is the prize l.st:—Double or single furrow plough (the first prize open to all comers): 1, Oliver Mitchell, ploughman to Air. Cookson, Alpraham Hall; 2, Jos. Dutton, Wettenhall; 3, W. Soott, Stapeley Hall; 4, Thos. Aston, plough- man to Mr. F. Dutton, Haughton; 5, J. B. l! ur- nival, Batherton Hall. Double or single furrow plough (district): 1, William Burrows, ploughman to Mr. Thos. Vaughan, Sound. All-way digger plough with ridge and rear (district) 1, Joseph Royle, ploughman to Mr. C. E. Parton, Haughton Hall Farm; 2, J. Bowen, ploughman to Mr. Hull, dleston. One-way digger (first prize open to all corners): 1, John Furber, Austerson Hall; 2, Jas. Edge, ploughman to Mr. C. E. Parton, Haughton Hall Farm; 3, Herbert Mottram, Baddiley; 4, T • R«we Acton Bridge; 5, Jos. Cooper, plough- man to Mr. H. R. Dutton, Lower Hall; r, John 9 Hurkston Turnouts: 1, W. Cookson 2, red Dutton; 3, II. Mottram; 4, J. B Furni- val. Teams: 1, H. R. Dutton; 2, F. Dutton; r, R. Parbon, Walgherton h c, C. E. Parton. Hedg- ing and ditching: 1, John Hughes, Brindley; 2, F. Starkey, Cholmondeley; 3, Humphrey Reece, Cross Bank Poole; 4, Jos. Cooper, Burland; 5, Samuel Bisbey, Hargrave; 6, Thos. Young Nant- wwh. New implements likely to be useful to farmers: 1 J. Furber, one-way digger plough by Ransome; 2, Messrs. Burgess Bros., Weaverham, plough by Mealor. Three special prizes were won by O. Mitchell, and one each by Jos. Royle, John Furnihral Edge- H. R. Dutton, and J. B.

OUR FOOD SUPPLY. + A RESERVE FOR WAR TIME. An interesting scheme for providing a reserve of food in this country in time of war was unfolded at a meeting of the Staffordshire Chamber of Agriculture on Saturday by Mr. R. P. Cooper, ex- High Sheriff of the county and a well-known Shropshire sheep-breeder. Mr. Cooper's idea is that more wheat should be grown in this country, and that it should be held in reserve, as in case of war we might be starved out in a few weeks. Briefly, Mr. Cooper proposes to put a duty of 2s per quarter (4801b.) on grain imported from our Colonies, 4s. per quarter on that from other coun- tries, a similar duty on flour horn our Colonies, 8s. a quarter on flour from other countries, and Is. per quarter on feeding-stulis imported from abroad, admitting all from the Colonies free. The amounts received from these duties Mr. Cooper would distribute among the British farmers who grow wheat and keep it in stock, allowing 4s. per quarter for that stored until Christmas, 6s. up to Lady Day, and 8s. up to midsummer, after which no payment would be made for keeping, but some wheat might be held over and coma under the same scale next year. It is claimed by Mr. Cooper that his scheme, while assisting agriculturists, will impose no appreciable buiden upon the working- classes of the country, as a 2s. per quarter duty upon wheat would mean only Is. 6d. per annum to the consumer. He maintained that the food of the people would be as cheap under his scheme as now-, or even cheaper, as the extra quantity grown would supply any falling off in imports. He op- posed national granaries, on the ground that they would be costly to erect, and an expensive staff would be required, as the stocks would have to be ] disposed of every few months on account of "must. The speaker also claimed that the Colonies would have preference as one cf the anvantages of his scheme, and he expressed him- 1 self in full agreement with Mr. Chamberlain's Fiscal proposals. This remark was loudly ap- ] plauded by the Chamber, who very favourably 1 received Mr. Cooper's scheme, and nominated him i to give evidence before the Royal Commission 1 upon the question of our food supply in time, of i war.

DEATH OF MR S. W. FELLS-Chester row- ing men will deeply regret to hear of the death of Mr. Samuel Waveney Polls, the librarian at Messrs. Philipson and Golder's, who passed away at the age of 23 at the Infirmary on Wednesday morning. after an operation for appendicitis. Last spring he joined the Giosvenor Rowing Club, and soon became one of the most promising mem- bers. He rowed No. 3 in tho crew that won the Mayor's prize at the last Regatta, and he also won the club sculls. In hi" death the Grosvenor R.C. have lost an enthusiastic and skilful oars- man. Deceased's fatheor last year was Mayor of Hove, near Brighton. On Thursday the body was removed to Beccles (Suffolk), where the funeral took pJace on Saturday. Beautiful wreaths have been sent by the Grosvenor R.C., Mr. James Golder, the employes at Messrs. Phillipson and Colder s. and some of his Chester friends.

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HEARTS OF OAK BENEFIT SOCIETY -+■ ANNUAL MFFTIXG. THE RESERVE FUND QUESTION. The annual meeting of the Hearts of Oak Bene- fit Society (Chester and District Association) was held on Wednesday evening at the City Arms Hotel, Frodsham-street, Bjo. W. Lambert pre- siding over a small attendance The Secretary (Mr. C. Wright) presented the annual report, which she.wed that 14 meetings had taken place during the pact year, and several during the spring were held with a view to re- vising the rules and discussing tho question of disinterestedness of members ;n friendly society work. Some interesting meetings had been held, and the management of the society, the reserve fund, the floating of the new Assurance Company, and the late Delegation Bourd had been in for a considerable amount ot iiti v crso criticism. The dinner in September was all that could be desired except in numbers. Among Uiose absent was the chairman (Mr. J. Littl?), through an illness which unfortunately terminated in his death. He was a highly-respected member, llJ it a special meeting a letter of condolenoe was sent to his widow. In conclusion, the hope was expressed that the members themselves would wake up to the need of individual and collective mtL-iust in the great, wide and noble society, so that it might continue to be the greatest and best cenuaiised society in the world. I The report and statement or accounts were adopted, on the motion of Bro. W. C. Taylor, eeconded by Bro. G. C. Berry. The election of office: s was then proceeded with. Mr. R. Cecil Davies was elected piesident of the society, and Mr. W. Vv illiams vice-president. Bro. W. Lambert was elected chairman, and Bro. W. C. Taylor was placed m the vice-ohair. The fol- lowing were elected a committee: -Bros. J. Gra- ham, Griffith-Roberts, W. J. L. More, J. Rowley, J. MoNaught, J. Plumb and J. Willis. Afterwards a general ineet.ig of members and friends was held, under the presidency of Mr. R. Cecil Davies, supported by tho vice-president (Mr. W. Williams). Bro. Thomas Eginton. Liverpool, superintend- ent of the Hearts of Oak Life "nd General As- surance Company, Ltd., attended, and gave an address on the work of the company. He said that there was no direct financial connection be- tween the Society and the Assurance Company, because it was not permitted by the law of the land. There was certainly a relationship in every other respect. The agents in his district had been very successful, and he was looking forward to a large acquisition of members. There were 26 agents on the list, and they were endeavouring to introduce one member per week. The Assurance Company had been working for nine months, and during that time they had issued 4,000 policies, including 2,000 in the industrial section. Re- ferring to the question of a large reserve fund, he said it was necessary to have a fund in proportion to the age of the society. A new society with new members and new blood would have a very small death-rate. The Hearts of Oak Society was 60 years of age, and in twelve months time they would have 100,000 members of 50 years of age. Supposing that 50,000 were in health and did not need sick pay, and that woula be a very large pro- portion, as the average life ran to about 32 years. fche society would have a heavy expense to meet, riien there were the wives of members, and their i:>aths cost J625 each. It would take some six nillion pounds to meet the liability. Some people said the society had larger funds than were leeded, that the money was locked up when the nembers might have larger benefits. In face of he great expenses, the difficulty was not in raving too large a reserve fund, but in meeting :heir liabilities as years rolled by, when there vould be increased sick allowances and more deaths. As they stood at present, the levies would not be sufficient to meet the expenses. In order to keep the society in a sound financial position a special death reserve fund would have to be es- tablished. Mr. William Williams proposed a vote of thanks to Mr. Eginton. He said there must be a great future before the Hearts of Oak Society, because wherever the name was mentioned ;t was always received with respect. Mr. T. Mills, in seconding, regretted that an effort was not made on the part of the great friendly societies to get an enlargement of the Act of Parliament to enable them to do the life assur- ance business within the society itself. It was deeply to be regretted that in the interests of the shareholders in proprietary companies that the scope of friendly society work was very much cur- tailed in that direction by the limitation of the amount for which members could be insured at death to a very small sum. Probably in the near future the Legislature might see its way to giving societies the opportunity of insuring their "mem" ir rnem- bers for any sum. If the work wore done by the great friendly societies, the industrial classes would be able to insure for a very much larger sum than in a proprietary company. The pro- gress of the Hearts of Oak Company shewed that there was plenty of scope for their movements. He said with confidence that the position the society occupied was largely due to the fact that they had run on sound business lines. (Applause.) He asked, them not to run away with the idea that their reserve fund was too large. Directly their reserve exceeded their requirements their actuary would tell them so. The resolution was carried. I

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