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Bankers Confident of Canada's Capacity to Meet War Needs BANK OF MONTREAL'S 122nd ANNUAL MEETING PALS While emphasizing the gravity •f the present world situation in ita bearing on Canada, Huntly R. Drummond, president of the Bank of Montreal, at the 122nd annual meetint: of shareholders voiced h.'s belief in the essential unity of the Canadian peop.e and confi- dence in their ability to weather the storms that might lie aheud. "We stand a united country in our WET effort," declared Mr. DruiruKond. "It remains for us to brinff the full strength of a uni- ted Canada to the work tf pro- aecutir.g the war to a suoces.-fui concluiiioa while at the same time keeping our affairs so in hand that we may enter the rv- adjustn:ents of post-wai- condi- tions as free of inflation as pos- sible, with debts at the iniMimuir. possible and with morale un- imoaired. "I am confident that just as we have entered as a unified Can- ada into the fiery crdea! of war, no we shall emerge, a nation one at heart but more rjature in thought and aspiration, ready to go forward as a member of the British Commonwealth of Nations to the great destiny which un- doubtedly awaits this country." Covernment Control* Among the subjects of public interest he discussed, Mr. Drum- mond referred to the government •1 measures for the stabilization of supply and prices for "the more efficient prosecution of the war." While he recognized their necessity and pointed out that business institutions, including his bank, were co-operating to the fullest extent with the govern- ment, he made it clear to his hearers that these regulations were a restricting influence on business. As soon as the conditions which made them necessary no longer e.xisted, they should, he said, be abolished. In the matter of taxation and public finance, the president urg- ed adherence, as far as was prac- ticable, to a "pay-as-you-go" pol- icy. "But it is in reducing expendi- ture in non-essentials," Mr. Drum- mond declared, "that our Govern- ment can give a lead to Canad- ians. Sectional needs should no longer be given first place, nor should our railway problem, with Its cost to the country of a hund- red million dollars per annum, be left unsolved." Speaking at the meeting also was Jackson Dodds, who present- ed on behalf of himself and his fellow general manager, G. W. Spinney, a financial statement which revealed new high figures in the history of the institution. A««eU Over Eillioa Mark TouchirK upon the fact that fcr the fi.st time in the bank's histovv the itenw on the balance I sheet amounted to over a thous- and million dollars, he said these figuvF.s v>"ere a measure of the bank's responsibility to the pub- lic, and as the problems which this responsibility entailed were so widely misunderstood, it was per- haps permissible to sav a few v.-ords en the subject. Nothing could be further from th truth, he proceeded, than the claiin frequently made that the bcnks were reluctant to risk their money in loans to business, pre- ferring the supposedly easier course of holding securities. "Our deposit liabilities do indeed re- quire tis always to hold a due proportion of high grade secur- ities as a supplementary reserve against them," he said. "But be- yond such requirements we wpuld prefer in all circumstances to use our lendable funds in sound ad- vances to foster industry, trade and commerce. Our organization, with its nation-wide sj'stem of branches, has been developed with this purpose particularly in view. In consideration both of servioa to the country and of profitable business te ourselves, we naturally wish to see our facilities fulfill- ing their purpose to the fullest possible extent. "Unfortunatelj our readiness to lend to creditwcrtihy borrowers does not affect their disposition to apply for 'loans, for the de- mand for commercial loans de- pends upon the state of trade and the prospects of profitable use of borrowed money. The fact that the condition of the markets for many of Canada's principal pro- ducts has in recent years prevent- ed anything like a full recovery of business activity or of com- modity prices has therefore limit- ed the inducement to borrow, and has confronted us with the prob- lem of finding other use for our funds. The possibility of seeking a way out of this situation by re- laxing our standard of safety in lending money is of course pre- cluded by our obligations to de- positors." Modern Etiquette BY ROBERTA LEE Q. When a porson with whom one is talking mispronounces a wxrd. is it all right to use the same word a minute later and pronounce it correctly? A. No. Unless tte person is very stupid it is obvious to him that you a.n makine a correction. It Is bet- ter to avoid using that particular w>rd. Q. W3ien the secretary ot a bus- iae>9s man asks a caller to please •tate his business with her employ- er, sljould th« caller comply? A. Yes, because the secretary has no doubt be»n instruoted to High Man In Beef Cattle Judging At Chicago Geivsc Kob.-on, 24, of Denfieid. On!., placed secon •: in inM-viduai rsnking in the National Collegiate l.ivr.«tock Judging con\pctit'on at "tl'e Intel naticna; Livestock Show in Chicago. He v.a< ?.igh man in Wf cattle judging and was a member of the team ic;!' isenting the Ontario .Agricultural College, Ciuelph. ask this question. When refused, the majority of employers, if busy, will Ignore the caller. Q. What does it indicats when a man, leavlag the dianer table, leave© his napkin in his chair? A. It would seem to indica.te that this man is from the timber lands. Q. Whiat is a good definition ot jealousy 7 A. Shenstone's deflaition is, "JealoUisy la the appreJienslon ol superiority." For e-xaniple, it a young man Is jealous ot a rival's lavor in the eyes ot a girl, it is an admission that this rival is super- ior in some way. Q. Should one cut butterod po- tatoes with a knife? A. No; the fork should be used. Q. What Is tha most popular bou- tonnlere for ushers at a churcli wetldiug? A. A wbiti caj'natloB. Robert Taj lor can't rc=.at a uog and he has a dozen different breeds in his-icnnel. Here are two of his fa- vorites. Princess, a Boxer,, and Champ, a terrier. This picture was snapped at Bob's San Fernando Valley ranch. I â-  > > â-  • I How Can I? 8V ANNE ASHLEV Q. How can I make shoes water- proof? A. Melt two parts ot tallow with one part of resin. Wairm tho sole* <it th« shoes, and while the mixt- ure Is also warm apply it to th« soles as long as th« leather will absorb it. Q. How can I refinish the edges of rugs when they have become worn? A. Buttonhole the edges with a heavy yarn ot the proper cokw. Thb Is a method practiced by r»- paireirs of fine Oriental rugs. Q. How can I revive lemons that liave become old and dry? A. Put the lemons Into a pan of hot water and keep at an even temperature, without boiling, for about two hours. Q. How can I simplify the task ot measuring dark or light brown sugar? A. Heat the sugar in the oven and measure it quickly while soft. It the sugar Is kept in the refriger- ator or breadbox. it will remain soft. Q. How can I bleach a scorched •pot on white goods? A. Rub the spot immediately with a cloth dipped In dlluitod pec- oxide. Then run the iron over It and it will be as white a» origin- ally. Q. How cau I dry wet bedcljtUet quickly ? A. There U nr better way to dry wat bedclothing quickly thaji with a hot water bottle, placed between fii« bed covers. Tliat sponges are aquatic plants? Sponges belong to tb« animal kingdom. ITCH "-5^* For quidc nbef fron itahing of •eKsuft. pimple^ bUh hit'i foot, tctlm, rabiea, rMhat ud atbtt ntanaSjr ' ' â-  " " ' ofisfr lati- GnMdea, m irrilatio* >ml quiaklir itof* tatnn 3.^tntl)iD(iJ«rTi>rait,i>raioMrbMk. Aik ikin tmibla, am mM-ftmam, gooGsfc isti- n.D. D, - ~ â-  Ik Of. 3.^tr» ,._ - .-iiiii.-.-i â-  uiuftMi totiar f^ Q> o. o. mcscwmott. Go •o*» o« •*Wf»-OT»M" o<rt «* »« wavwiltioe»oortwoo*Gar- it* to h»rbi moke o pl»a«aM t*o tHot >ool«*H cliog.n» wo»l»«. h*ltn r«li«»« co«*tip<]Ho« th« mtW way. 25«-l 2r .^ wriH hr smnous mi suint i* SwItMTnC*. Kept. « I V f %^r.. Inrt*it1t» :', ( :in.lftil HaveYonHeaid The liner quivered from gteni to stern, and then, with a harsh, grat- ing sound, it came to a full stop. Suddenly a man in a long, flowing white nightshirt was seen to ap- pear from the direction of the ca- bins and make tor the captain'* bridge. "Oh, Captain, Captain," he cried; "what's happened: have we struck an iC6i>erg? Shall I get into my lit* belt? Won't you please lower th« boats?" "Too late." replied the captain; "we've done all we can for you, and you'll have to look out for yourself now. You see, we've Just tied up in dock." DOUBLE AUTOMATIC BOOKLET CIGARETTE PAPERS N0|VJE FINER MADE 5' Plan To Cease Use Of "Oyez" British Columbia will drop a quaint old ceremony which had its origin in the days of Norman rule over Britain if th« provin- cial Legislature approves amend- ments to the Elections Act now being prepared by a special com- mittee of the House. The ceremony is that in which the returning officer at an elec- tion reads a proclamation begin- ning with the words, "Oyez, oyez, oyez." at the close of nomin- ations. The phrase, meaning "hear ye." was first used by per- sons making proclamations for Britain's Norman kings in the 11th century. Goering: "It seems, my Leader, that many ot the old German nob- ility are dying off." HiUer: "Ja! Von by Von." Th« dainty little wife went to a lawyer to seek a divorce. Lawyer: "Have you weighty grounds for divorce?" Wife: "Yea, desertion." Lawyer: "That la a good reasoo. When did your husband desert you?" Wife: "Yesterday afternoon. I was looking In the window of a milliner's shop and he just went on." The toast of the town Jutt nat- urally burn* up when she ia neglected. "Are you going shopping to- day?" said a night watchman to his wife. "Yea, do yoa want anything?" ^e asked. "I want an alarm clock." "An alarm clock? Whatever do you want an alarm clock for?" "Well, I've been late coming home from work these las', three mornings," said the night watch- man. The postman on a country route called Jim out and hand- ed him a black-edged envelope. "Looks like somebody died,"- ha said. "Y'yet," answered Jim In â-  worried tone. "It's my brother Joe. I recognize hi* handwrit- ing." Canadian National Railways Revenues The gross revenues of the all- iaclusive Canadian National Rail- ways for the period ending Nov- ember 30, 1939, were 56,505,197, aa compared with 55,111,222 for the corresponding period of 1938, an increase of $1,393,975, or 27.3 per cent. That the mole is sightless? The mole can see. for protec- tion, its eyes are set so deep in the fur they are almost invisiblo. R«G«f from COLDS AMD .Nasal Catarrii Wb7 endon tha concestion, utiifTiiif . nâ€" Mfiin maeuM and ciiokod air ^m^ Mâ€" of asaal catani? G« nUal fron thMs draad symptomc ac anoa. Om Menthnlrtnm Quick ia accioa. Oaarxiiumd f brlttg rettef or aumaf 'U tnmtlmtâ€" imlfcimn orntba* MENTHDLATUM fifVSS COMFORT Dmily iClassified Advertisements: AtiliJiTS WA^TiOl HEUICAI, X GOOD S-VLES AGENT SHOCTJ3 rspresent a good company. W» want sood representatives for un- occupied territories now. Our nursery stock Is tba belt that money and experience can pro- duce. Six-liundred-acre nursarr, fifty .vears' business. Write Pel- ham Nursery Co., Toronto. FAST-SEL.LJNG REPEATER, NO competition. New disposable tis- sue duster. Big commiaslon. "ADES - T - SXEES" (Ontario) Reg'd. 61 Yonse Street. Toronto. CARS, >EW AND USED MOUNT PLEASANT MOTORS. LTD., Toronto's oldest Chrj-sler, Ply- mouth dealers: three locations, £13 Mount Pleasant Road, 2040 Yonge Street. i;25 Danforth Ava. Our used cars make us many fr iend s. i;Ul C-VTIOXAL STUDENTS NOVi- ENROIJJNG FOR courses in Matriculation. Short Story. Journalism, Shorthand and Speech Culture. Make use ot your spare time. Write today. Canad- ian Correspondence CoUese. (as- tabllahed 1342). 22? Yonge Street, Toronto. bMRM KOB SAUD NINETY ACRES PRODUCTIVE claj- loam adjoining viliage, good buildings, spring watered. Two thousand cash, balance 4 per cent. William Fearce, Exeter. G.4Jl-VtiK ASiD SHOW KUOX FOR SAL,E. NORTH TORONTO. one ot the best business locatlooa â€" building 5-5 x 110. For full par- ticulars. E. C. Bastedo & Co., 35$ JSglinto n We st , Toronto. U.4ltUY AITLE TREES IL.4JRDY APPLE TREES â€" 50 CTS. each. Canada's Lowest Priced Nur- sery, growing leading varietiaa Fruit Trees. Ornamentals. Write tmmediatelv requesting sensation, al offerings. Tobe's Trcer.v, NIa- gara-op-the-Lake. Ontario. KF.ATUERS WAITED HIGHEST PRICE FOR NEW AND used feathers. Robinson's. 281 Brock Avenue Toronto. W.-it« for quotations. II.VIR (;Ul>DS WIGS. TOUPES. TP.^VNSFORMA- tions. Switches, Curls, and all types of finest quality Hair Goods. Write for illustrated catalogue. Confidential, terms arranged. To- ronto Human Hair Supply Co., 52S BathJPft Street. Toronto. tNCRK.iSE VOIR EARXI.\GS KAR.N UOU^VRS RE.\D1NC YOUR newspapers! Dime and stamp "l;»,l^.; â- .r.for!n''»ion and surprises! K. Rembe, 527 King St. W.. Ham- ilton. <>ntnrio . Fl RNITl RC I''OK SAI.K CHESTERFIELDS $1 WEEKLY J-PIECE CHESTERFIELD SUITES In velours and repp covers, fact- ory reconditioned, originally ex- pansive suites, better than a cheap, new one. 3 pieces complete. 124.50. Thr,e piece chesterfield suites, newly recoverad in choice repp f.abrics. Just like new, at half the price. Three piece com- plete J3!<.0t l.'i.OO down. SI. 00 par week. We pay freight to your station. Dept. W., Royal Chester- field Manufacturers, ti6 Itichmond .• ^t. E.. Tore n t o. maThixfrv wade portable drag s.\wsâ€" Delta woodworking tools â€" elec- tric motors, l^eltini; and shop sui> piles of every description. The A R. Willi.ims Machinery Co.. t.td 61 Front St. W. Toronto. ISSUE NO. 50â€"39 HIGH BLOOD PRESSUREâ€" WRITE for tree booklet and full partlcu. lars regarding our amazingly successful hyblood treatment Pedigreed Products. Saskatoou. Sask. THIS IS WHAT MRS. NEILSON. OF Tecumseh, Ontario, says: for 12 years I suffered with swollen lags and broken veins. Could not wear shoes or stockings. For montha 1 could not leave my home. After using Crouchman's Liniment. I can so out and enjoy life whera It left off 12 years ago. Demand It from your druggist or write J. R, Crouchman Co.. Ltd.. Windsor. f^ntario. MUSICAL INSTRV.^EXTS FOR S.\LE AT SPECIAL PRICKS, new and useH- piano accordians, alto, tenor and baritone saxo- phonos. clarionets. trumpets, trombones, drums, guitars, ate. Ban^iirs. Write for particulars. ShelTbn-Sherwood Co.. 365A Yonge .'street. Toronto. OFFER TO INVENTORS A.N OFFER TO EVERii l.N'VE.NTOR List of Inventiccs and full infor- mation sent free. The Ramsay Co. Registered. Patent Attorneys, -"" Bank Street. Ottawa. Canada. TersunaZ quit tobacco. snuff. easily, ine.'cpensively. Home remedy. Testimonials. Guaranteed. Advice free. Bartlett's. Cox I, Winnipeg. RAW FURS WANTED SHIP YOUR FURS TO US FOR full market prices. L. A. J ones, ISJi Taibot St.. St. Thomas. Ont- RANCHERS AND TRAPl'EKS ALL Pi-UCES ON RAW FURS ARE Il'W. Why not get the most for your fox pelts by having them tanned and made Into attractive scarves and sell them direct* V.'orknianship guaranteed. Silvers $$.50, reds 16.50. Thos. Emack, Taxjdenmst and Furrier, 1873 Queen St. E., Toronto. POULTRY BREEDERS {{AVE YUU .A.NY POULTRY -MAR- keting problems? Get our circular with valuable hints on how to get the best markets. Bray Hatchery, 130 John St. N.. Hamil- ton, Ontario. CHICKS OF l^PUI.AR BREEDS for iramediats shipment around Decemoer 12th and 19th. Put that empty brooder and colon.v house to w^ork making extra money. Write for furtlier information. Bray Hatchery. 130 John St. N., Hamilton. Ontnrio. PI PS F«>R S.VLK NEWFOUNDI.JVND PUPS, REGIST- ered, children's guard.'" and com- panions, priced to clear. D. R. Oll- vor. S:. Marys. Ontario. ' KlUU >I.\TIS.'W â€" RHl.lR V.KU* GIVE SPEEDY REUEF FROM ALL the aches and pains ot Rheumat- ism. Arthritis, Sciatica, and oth- er kindred ailments. Simple, safe, sure, economical. Not a drug â€" no nauscatins medicine to take. No upset stomach. Don't delay. For convincing proof send one dollar to-day for 30 days treat- ment to Rhuar Remedies, Room 1002. 330 tJay Strc»t. Toronto, OI1t:l^i,^. SCHOOL BOOKS HO.ME STUDY C(-'IUSESâ€" BOUGHT sold, rented. Educational b.'ok.", etc., Canada's largest dealer. Low. est prices, send for list. Economy Distrib uting. Leanijngton. Ont. SKATINl; OITFITS .â- <K.\Tl.Ni. OUTl-ITS. SLKIHTLV used. $1.75. J2.2.->. $2.C5. New hish qu.ilily. $2.$». l.t..-!.";. Si2o. plus S.Sc postsee. Peerless. 1!<1 Dundns W. Tcronto. t'SEU TIKEIS FUR SALE. GOOD USED TIRES, ALL SI2BS. Lowest prioea. Inquiries InvitaA Brockton Tire. 1611 Dundas West. Toronto. FURNITURE FUR !IAI.K LYONS 478 Yonge St., Toronto B.IRGAINS: RECONDITIONED FURNITURE .) ; 1)0 8 piece oak Pining Room '-•^^ Suites, buffet. extension table and 6 leather scat chairs. â- ^4 OT) ^''"'^ ""^ Dining Kooiv â- " '•^-'^ Suite, completely recondi- tioned, buffet, extension labia an4 li leather upholstered chairs. Ai rjo Beautiful 9 piece oak Dln- ~*-J-'~^'~ ing Room Suite, portact condition, buffet, china cabinet, ex- tension table, and 6 leather uphol- stered chairs. CQ /-i|-| Dining Room Suite In rich J^.\JU -i^ainut finish, large buffet, extension table, china cabinet and S leather seat chairs. on /-ii-i CoUd walnut Dining: Room '-'-'•'-'- Suite (cost new 1273) com- pletely reflnished. buffet, china ca- binet, table and 6 leather upholster- ed chairs. 2< pvn Complete Bedroom Suite In '•^'-'rich walnut finish, vanltr. chiffonier, full size bed, sagless spring and new mattress. 3Q j->pi Modern Suite In t-n-c-tona jTf.KJV walnut finish, vanity with Venetian mirror, ohiftonier and full siza bed. completely refinlshed. 4Q nn Beautiful modern Bedroom -t^.C'U Suite, with Venetian mir- ror, dresser, chiffonier, full slia bed. sagless Spring and new mat- tress. fZS nn Solid walnut Bedroom Suit* iJJ.KJKJ (jjst new 11S5.) niasslva dresser, ohlffrobe, full slie bed, sag- less springs and spring-filled mat- tress, completely refitiished. 5QC .\ND UP. Large assortment •"~ of Dressers in various fin- ishes a.'i.l sizes. ^ Cn Brand new Mattresses, all ^•-'*- .«izcs. well filled and tutted with roil edge and strong durable covers. 14. >tCi Chesterfield suite. 3 piece! '"*•-'*- upholstered In brown mo- hair. Marshall spring cushions. T) :,-> Chesterfield Suite. 3 piecoa, --' â- â- '^ uphol.«tered in velour. rosa shade, reversible Marshall sprinf cushions. lQ nr\ ^ Beautiful l.irge S pieca ^ • '-"-' Chesterfield Suite. uphol- stered in rust repp, reversible Mar- shall spring cushions. 5C ,->(•> Large brown mohair Ches- JCU'tJ tertleld Suite. 3 pieces (cost new approximately $185) beautiful ftgureU reversible Marshall spring cushions, completely reconditioned. .1 -/-, Chesterfield bed (Krcehier) 1-+ -â- C upholstered in brown Jacq- uard velour. reversible spring filled cushion.i. y C,-) Odd Chesterfield, brown mo- hair. reversible .sprin» cushions. A -f Zr\ Singer drophead Sewing 1 -•-"-' Machine. In oak cabinet, ffu.iranteed. Q q; Kitchen CaKlnct, In orilt wlta • --^ sliding porcelain top. Com- pletelv reconditioned. BUY WITH rONFIDKXCK .*ll Koodx aoW v,Hh a po^Klva ncMv^-hnck Kuarantee oC satixfac Horn. LYONS FURNITURE CO. 478 Yonge St.. Toronto Guaranteed CAR AND TRUCK P.\RTS Uied â€" New St'Kt I »I.U.I\<; l> KKIII ll.T MO- TORS. IHIWKK-l >iri's. llydranHa H»is(«. WlafheM. <;enrrnton^ sturt- er«, Mnttnetns. t^'arhiin-ton, Ra4iM«- •r« â€" Kxchfiairr SeT\fre. (;ln<tM â€" SatlM/netlan or rrrunfl. Lei y \lita Part.*. 'I'lironro.