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Raymond rose. "Let‘s go down to my shack. We can talk matters over there more freely." "I‘ll be with you in a few minutes," answered Kelly. It was warin in the cabin, for the faithful Perry had built a fire early in the evening, and after he had lightâ€" ed a couple of candles and kicked the fire Into a blaze the room resumed its cheerful glow, but he was too deeply disturbed over Louils‘® nonappearance to fully enjoy it He took out his revolyâ€" er and was examining it carefully as Kelly entered. "Did ye meet with any trouble, Rob!" "None. Some of the committee of safety wanted to arrest me and hold me as hostage, but Barnett stood ‘em off. I didn‘t see a soul till on my way back I came on.onme of Jack‘s picket posts, where I found four men campâ€" ed in misery and eating snowballs for supper," ‘"It‘s strange the power he has over them wild cowboys. Drunk or sober, they do as he tells them. His trouble will come with Brock and Smith, who are nelther miners nor cowboys, for they are all tryin‘ to derive their power from Carter, who is dead sick of the business and likely to fiy the coop at any minute. Where you goin‘?" *You go not! ‘Tis a poor time for you to visit the street. ‘They have it in their heads that you are playin‘ the "I must find that boy. He left the Springs at 8 this morning, and his sisâ€" ter is worried about him." "I will go for ye, Rob. It‘s too danâ€" ggrous for you." Raymond rose and laid a hand on Kelly‘s shoulder. "See here, Mait, I want to talk plainly to you. You‘ve got to bundle up that little wife and the boys and get out of bere. I‘m goâ€" ing to tike a hand in this game. I‘m going to call the independents togethâ€" er and make a stand." Kelly faced him. "If ye make & stand I must be beside ye. What is your plan?" "I will not tell you unless you promâ€" Ise to take Nora out of danger." Kelly‘s face grew stern, and his voice feh to a level hoarseness that sent a quiver through the young man‘s blcod. "See here, boy, we struck bands on this partnership. We share and share alike. 1 am with ye and so is Nora. 1 am ready to dig a hole in the ground and stand ‘em off. I‘m worn out with their comin‘ and goin‘, whipâ€" sawin‘ now on this, now on that side o‘ the question.. They‘ve declared war on us, Now, by the powers, we‘ll meet ‘em halfway!" Kelly‘s eyes began to twinkle. "I begin to draw me breath natural again. For weeks I‘ve been wanting to put "me fist beneath the noses of these rapâ€" scallions, but for fear of Arn and Nors 1 could not." "Ob, Rob, I‘m glad you‘re here. Helâ€" lo, Matt!‘ He shook hands, breathing beavily. His skin was flushed and his eyes shining. "You ought to be upâ€" town. Jack is makin‘ ‘em sit up. He |h9g one man. They were building a fort, and a drunken fellow"â€" "Take your time," said Raymond coldly. "There are several minutes left in the box. You might begin at the beâ€" ginning and tcll me why you sueaked away again without saying goodby to Ann?" The boy was not daunted. "As soon as I heard what the sheriff‘s plans: were I wanted to leave, but it was so dark; that was last night. I was afraid to try it, so this morning I pulled out early." t "Where have you been all day?" "I‘ve been with Jack. I met his men way down the canyon, and they took .me to headquarters, where I told my story, and then I went to supper with Jack; and then this big row came on, and I stayed,to see that. Oh, but Jack is fine! He faced the whole crowd alonc. One man wanted to clean out your cabin. He said it was a nost of traitors. Ie drew his eun on Jack. but Iaymond surrendered. "All right, Matt, bere‘s my hand. W¢‘ll defend Nora and the mine too. ‘When your fighting blood is up I don‘t want any dispute between us." "Uptown to take a look round for And you hnd a new delight in every one you cat. Yon get perfection 5 or 500 â€"they are all alike. 5,000,000 Fach biscuit as light as if made by fairy hands. and crisp, and tempting, . that just opening the box is teasing the appetite. Baked to a golden â€" russet brown. So fresh, he hadn‘t time to pull the trigger. Jack‘s bullet went through his arm." Raymond, who had been studying the lad with softening glance, interrupted him: "Now, see bere, Louis, you sit down here by the fire. Don‘t let your words all try to get out of the corral at the same time. We want to know all about it, but we don‘t want you to burry. It‘s only 10 o‘clock, and you can get over a whole lot of ground by midnight." The two men looked at each other with grave eyes. The boy was treinâ€" bling with excitement, and his voice was high and strained. Kelly said gently: "My lad, ‘twould serve your sister better if you kept out of this. I don‘t like to see you riding between the lines as a spy." A "I didn‘t intend to be a spy, but when I beard the trick they were going to play I couldn‘t help hurrying back." "What trick?" . "Why, they‘re going to load all their men into freight cars and make them keep quiet, and then they‘re going to run them through Jack‘s guard at Boggy clear to the end of the rails." come?" "Tomorrow night if the guns arrive for which they are waiting." "How did you drop on to this?" "I heard Cousin Don tell Dr. Braide. He wanted Dr. Braide to follow next day in case of accidents." "You‘ve told this to Jack?" ; "Yes. I wanted to come and see you, Matt, but be said I could tell you aftâ€" "Jack told me to tell you to be on your guard tonight. He said be‘d come down and see you if possible. Ob, I feel so cold," he ended, drawing nearer the fire. "I‘m all trembly over my chest." * Raymond again looked at his partner, "Well, I don‘t see that there is anyâ€" thing for us to do now." "I reckon you better strip off your clothes and go to bed. This has been a bard day for you." i â€" He seemed stiff, and was shivering convulsively, "I believe I will. Rob, I don‘t feel any good." . i s As Raymond Gelped him to undress the boy‘s teeth began to chatter, and he drew his breath with a bissing moan. "I guess I‘ve taken an awful cold, Rob. My breast aches so." “‘v'fia;t: go ;lk Nora to come over and bring her little medicine case. This boy‘s got a chill right .now." "A swallow of whisky will fix that," answered Matt as ® went out. "I‘ll be back in a jiffy." Raymond bundled Louis into bed and heaped him with blankets and furs, his heart deeply stirred with anxâ€" iety, for as the boy‘s mind turned from the excitement of his day‘s experiâ€" ences to his condition he became deepâ€" ly depressed. He fairly collapsed. Mrs. Kelly, with her "emergency case" of medicine and a knowledge of sickness gained in years of maternal care in the rough country, was a great comfort to Raymond, but she could not keep downhis growing anxiety. The boy‘s body was so small and frail when stripped of its clothing! Under their vigorous ministrations the sufâ€" ferer ceased to shake and at last fell into a hot, unceasy doze. ' _ "Oh, yes, I did. I took a nap at Barâ€" nett‘s. Please go to bed." Ssd 41 To this arrangement she submitted, and, taking his seat close by the boy‘s couch, Raymond studied his flushed face, more concerned at that moment over his temperature and pulse than with the brawling crowds, the invading force or the fate of his mine. ‘When Munro knocked on his door he went out upon the threshold and repeated the failure of his mission, while the captain of the vedettes listened with bis horse‘s rein across his arm. At the end be merely said: "All right. Let them come; they will find us ready. Did the kid turn up all right?" â€"Raymond, seeing this, whispered: "You must go home. I will wngchj" 1 "No, Rob,. you must sleep. I forgot you had no slgep l{s@ night." A baif hour later Jim Dolan and two or three of his fellow reporters tumâ€" Bd in, eager to know what Raymond had seen in the valley. :‘-th'ati';; very nice plnn," ‘lqld Rayâ€" _‘"He turned up, but he has taken & chill and is burning with fever." _ _ Munro seemed concerned. "He had nothing on but that little gray jacket. I tried to warm him up with some whisky and a supper. I hope he won‘t be Jaid up,. Well, now, old man, what are you going to doâ€"help us or the dudes ?" f o _ To them he said: "Boys, I havren‘t a word to say. I‘m sorry I can‘t _alre_t you a bed, for Louis, my boy friend, is very sick,. Dolan, 1 wish you weuld gend up the best doctor in Bozle. ‘Tell him there‘s money in it if he ecmes tonight." *T can‘t decide anything tonight. I‘m worried about this boy. If he is better in the morning I‘ll have something deâ€" clsive to say to you." To Matt, Raymond turned. "Go on with your meeting without me. I can do nothing till this boy dodges this fever." And Kelly went away, relue tantly, to meet with the leaders of the neutral party, robbed of half his resoâ€" lution, for he, too, loved the sick lad. "All right; take your time, only don‘t take too long. 1It‘s up to you to decide. Good night. Keep me posted on the boy‘s condition." At 12 o‘clock, when some of the men were passing, Raymond went out and called Raker and said in the tone of offé who had at last decided on a plan of action, "I want you to carry a message to Boggy and see that it gets there." And Baker, having a long training as cow hoy behind him, accepted his order like a soldier. The telegram was addressed to the aherl@# and read: "GIVE US" They‘re on to your box car game. Look out? A PEACE LOVER. At 1 o‘¢lock Kelly returned with lowâ€" ering brow. "I wish you‘d been there, lad. They‘re afraid of Munro and votâ€" ed me down. We are to do nothin‘." Raymond, submerged in the rising flood of his.anxiety, looked at his partâ€" ner dully. "Well, perhaps it‘s better so, Matt. I gave my word to Ann that I would care for this boy as if he were my brother, and I‘m going to do it, reâ€" gardless of every other consideration. If he grows worse I shall send for Arn, and then I will have double reaâ€" son to keep out of the movement." â€" Toward â€" daglight Raymond called Kelly. "Send d message to Ann. Louis is a mighty sick boy and needs her HE morning paper, which the maid brought to Aun while she still drowsed in her bed, conâ€" tained the news of Louis‘ arâ€" rival at Raymond‘s cabin and his colâ€" lapse. "All the early part of the night," the reporter went on to say, "bands of clamorous men marched from mine to mine, calling upon the gangs to lay down their tools. Ounly two firms reâ€" mained . unintimidated â€"â€" Reese . Bros, and Kelly & Raymond. In the midst of all this turmoil," said the reporter, "Raymond, one of the men most conâ€" cerned, was staiding gnard over a sick boy and would not leave his side for a moment." Ann glowed with a sense of deep obligation to that watcher. Mrs. Barnett knocked on her door and called, "Have you seen the papers, Aunn Marie?" i l‘Yes." "What are you going to do?" "I am going up there." Mirs. Barnett entered. "How can you go, with that mob in possession? You must not go! It isn‘t safe for you, and 1 will not consent to have Don go again. Who will protect you?" "CALADA" Aun flamed with wrath. "Have you ro law out here that will protect a girl who goes to nurse her sick brother? I have nothing to do with your idiotic wars. I am going up there as a citizen of New York, not as a partisan of your side in this struggle. I shall not leave that boy there to suffer alone." .. "I can‘t find Don," said Mrs. Barnett. "He must have gone downtown. Some one has just phoned a message from Rob. He says Lovis has taken a chill and that you are to come, if you can, but not to worry. He is well cared for." "Can we reach him by telegraph?" asked Ann. "The operator says there is no direct connection with Skytown, but that the wire from Bozle to the south is uncut. We can try." "Toll Don to wire Mr. Raymond that I am coming at ouce, and that I will bring Dr. Braide if possible," answered Ann, alert and self contained. She rang Dr. Braide‘s telephone a few moments later and called firmiy, "Dr. Braide, I want you to go with me to Skytown"â€" His cool, indifferent volce cut her short. "Who is it, please?" "It is Aun Rupert"â€" _ â€" "Then Iet us go!" she cricd, rising. You don‘t wash with the box! Baby‘s Own Scap °_ CEYLON TEA The ery 0‘ all who have once tasted it. * A trial will convert you. Ltad Packets only. â€" 25¢, 800, 40¢,°50c and 60c per lb. Atall Grocers. Albert Soaps 114., Mirs. + Montreal Both box and wrapper of Baby‘s Own Soap are plain, business like and cheap. All the money is in the Soap itself, which is as «+ wholesomely *‘ pure and fragrant as money can make it. is much imitated as to appearâ€" ances, but delicate skins soon show the difference, â€" «*Baby‘s OwK ° tosts YOU no moare than the i .‘ations. CHAPTER XXHIL Miss Rupert 1 understand. 1 saw the note about your brother. it will be a privilege. 1 will run over at once and discuss the best plan for getting there." Aun was eating her breakfast when the bell rang, and the maid at her orâ€" der brought the doctor into the dining "I am asking a great deal of you, doctor. I will gladly recompense you for any loss of putleutg." s_aldAAnn. "Please don‘t trouble about my paâ€" tients. It is a pleasure for me to serve you. I beg you not to bring it down to so mercenary a plane." *That‘s very kind of you, but I must lnsist on making it a matter of profesâ€" sional service," replied Aunu, for he, too, was a suitor, and she liked him, but at this moment she wanted his skillâ€"his training as a physician, not his adoraâ€" tion. This he bad insight enough to perceive. "We can go by the Southern railway and drive from Sage Flat, or we can go over the stage road. In either case we must meet and pass Munro‘s guard. According to all accounts, he has a complete c‘rcle." + "I am not afraid of Munro or his menp," she answered. "In fact, they wiil be our safeguard. I will telegraph to Mr. Munro that we are corging, and he will see that we are protected." "If you feel that way, then the simâ€" plest and quickest route is over the old stage road. With a good span of horses and a light cart we can drive to Bozle by 4 o‘clock and reach Skytown before dark." i "Then let us go!" she cried, rising. "I will order a carriige at once and call for you in balf an hour." "I will be ready," he alertly replied. By means of the telephone Aun orâ€" Gered the liveryman to harness his best span of horses to a mountain buckâ€" board. "No, I do not need a driver," she sharply answered to his query. "Got them here quick!" © Before she left the receiver Barnett came rushing into the room. "What‘s all this? Jeannette tells me you‘re goâ€" ing back to Skytown today." "In twenty minutes I shall be on the road." â€" "Alone?" "Xo; Dr. Braide is going with me." "Timpossible! You mustn‘t do it! Our attack is to be made tonight. . The whole hill will be a battleground toâ€" morrow." * Dr. Braide was waiting as Ann drew up to his door. He carried a big bearâ€" skin robe over his arm and held a mediâ€" cine case in his hand. "Have you plenty of wraps? It‘s cold up there, they say.â€" Let me arrange this robe around your feet. Shall I drive?" "No, thank you. 1 will drive." The: horses were marvels. . They pushed up the steep, winding road with steady stride, their beads swinging. Not till they entered the canyon did they lag into a walk. The clouds hung low, in great gray masses, coverâ€" ing even the secondary peaks, Patches of snow began to appear at the roadâ€" side. It was a blcak, inhospitable and silent world. m“”l"l'nere is something ominous in this stillness," Ann said at last. i At about 11 o‘clock they reached the wide mountain meadow out of which the Bear creeck fell. The clouds hung just above their beads, a broad, seamâ€" less gray roof. "AD!"" HIY" voice" Mhngedâ€"became "Where do you suppose we will meet Munro‘s men?" "Anywhere after we leave the baifâ€" way house, according to report." "You know this man Munro?" "I‘ve met him." "Is he as terrible as people think him ?" "Ti@ mornimng papers stated that ne had assumed absolute control up there, and that his men were drilled in trae military fashion." "So much the better for us," answerâ€" ed Ann, "for he will see that we are protected." l T *E "He scemed very boyish to me and not at all terrible." «& At the halfway. house they found a stage load of people and several freightâ€" ers, and every man‘s mouth was agape. The tavern was a survival of the days when railroads were of the farâ€" away futureâ€"a long, low log structure with a roof of dirt out of which dead weeds fiaunted. The front room, which swarmed with men in rough clothing, scemed to be a country store and postâ€" office as well as an eating house. A smail, active old woman met Ann with toothless grin. "Step right this way and get out o‘ the smudge." Ann followed her into a minute bedâ€" room which opened off the dining room. The old woman began to clatter. "Put off your things here. My, but them‘s fine furs! Did ye drive up from the Springs? Are you going on to the camp?" ¢ "Waal, you‘ll find it Hively up there! _ Braide chirped to his horses â€"and As near ns 1 can learn they mean biz!" ‘ Myupro swung to hla.geat and followed she whispered. "Some 0‘ Jack Munâ€"| arter. Attht fhot of tm nfi e calted: ro‘s men are in there now eatin‘. They | "Keep that winding road. It will bring keep a mighty sharp watch on who you to the top near Kelly‘s, I‘ll meet comes in these days. Soon‘s you‘re you there." ready I‘ll put you and your man down| ‘The peat was more than quictâ€"it at my ond of the table and T‘ll look | was silent. It was as if a palsy had after ye." ' fallen upon every ablobodied workman, Ann Jaid aside hor furs, but retained »eausing a swift devouring dbony to set hor hat, and as she reâ€"ontered the room | jn, made a dazzling appeal to those £0ugh | =yrhat a change!" exciaimed Braide. fellows, who eyed her with siy wlo. "I was here Just before this trouble beâ€" glances., eemed Te Braido. alrcady seated, rose to meet ime id theée NK t Nt e ber. "We bave rcached an outpost of TO BE CONTIXUED. An Absolute Cure For DVYVSPEPSIA Dyspepsia, Indigestion, Belching of gas after cating, mean weakness. By means of its muscles, the stomach nhonldchmmlmdâ€"ch:msolfll into liquidsâ€"mixing in the juice to start digestion, If the stomach is weakâ€"then food is mnot properly churned and mixed with enough gastric juice. Then you have strengthen the stomachâ€"just as juicy becf and eggs and milk strengthen the wasted frame of a patient getting over FRUITâ€"Aâ€"TIVEScontain theelements Viat give new â€"wvigor new energyâ€" to the muscles lining the stomachâ€" stimulate the digestive glands and for cach meal, More than that, FRUITâ€"Aâ€"TIVES correct the Constipation which nsually attends stomach troublsâ€"and by acting directly on kidneys and liver, put the whole system in healthy condition, the guard and will be interrogated beâ€" fore we leave, I fear." "I am quite ready to meet them," she replicd, bending to her plate, "They ean‘t refuse to let us pass." The ta‘k at the table was not illaâ€" minating. Each man apparently strove to fill his paunch before his fellow. Only one of them scemed to study Ann and hor companlon with candid interâ€" est,. This was a small man with e chin beard and an cye.as keen as that of a blue jJay. As the ether men filled up and left the table he came down aud aftrelcssly took a seat near Braide. FRUITâ€"Aâ€"TIVES are a peculiar comâ€" bination of fruit juices and tonics that are known all over Canada for their wonderful cures in all stomach, liver and kiduey troubles. goe. a box or 6 boxes for $2.50, Sent on reccipt of price vAss j if your drnggist does not > handle them. "I shouldn‘t wonder. I‘m Dr. Braide of Valley Springs." & ht EOe mt x 2 goe. a box c & Sent o ts & if your en A handle csU 2EA ty i ““h â€" ®, +M "I rockon I‘ve seen you before," he began pleasantly. Tsl ts "Where you aimin‘ to go usw, if it‘s a fair question?" | "To Skytown." "Go‘n‘ to treat somebody*?" asked the old woman, who was hovering near, Auu interposed. "Yes, he is going up to treat my brother Louis, who is lying i1 at Mr. Raymond‘s cabin." The stranger glowed again. "Didu‘t see nothin‘ of the sheriff‘s army on the way, did ye?" Here he winked at Braide. ' The doctor smiled, "Not a thing. 1 don‘t think they‘ve left the valley yet." "I‘d advise ‘em uot to. I‘m going over to the camp myself, and if you don‘t mind I‘ll jest nacherly jog along a rod or two ahead of youâ€"to show you the road." As he rose to go the stranger said: "If so be it you folks have any infuâ€" ence with Rob Raymond, preach him into joining the movement. It‘ll be a mighty sight safer for him and a big help to the miners." After the miner left the room Braide said: "We‘re in the enemy‘s country. He was plainly warning us, and his going along is in the nature of an armâ€" ed guard." "His escort may be of use to us," reâ€" plied Ann. "Who was that man?" she asked of the old woman, who fairly whispered her answer. As Ann and the doctor drove on the clouds began to lift, rolling slowly, ponderously, reluctantly upward from the timbered slopes, y dige ‘That‘s old Steve Adams. He‘s boss of this squad. All six o‘ them men are Munro‘s pickets." Their guide rode rapidly, signaling the doctor now and then to keep pace with him, and after nearly «n hour of fairly level ground the road entered another cabyon and crawled upward along a prodigious wall, which beat back the clashing roar of a small but very swift stream of water. It must hbave been about 5 o‘clock when they rounded the great base of the Black Cone at the head of the canyon and looked away across the big camp and far out upon the valley to the west. § Adams, their guide, was a considerâ€" able distance in advance when a couple of horsemen encountered them. After a moment‘s conference one turnâ€" ed back, and the other came on swiftly. Ann‘s heart glowed with the hope that it might be Raymond with a mesâ€" sage from the sick one, but it proved to be Munro. He came up swiftly and, setting his horse upon his bhaunches, leaped cavailierly to the ground. _ "How is Louls?" asked Ann guickly, with instant revolt of his assurance. "Good evening, lady," he called as he approached the wagon. "HMave you journeyed far?" He felt the impersonal rebuke of her manner and replied simply: "He is betâ€" ter this afternoon, so I bear. I bave not bad time to call. It is a pleasure to see you again." ITe fixed his cyes on her companion, "I don‘t think I know you," he said, with a challenging inâ€" fiection in his voice. "I am Dr. Braide of Valley Springs." Ann explained, "Dr. Braide comes to attend my brother." Munto‘s face lost its reckless smile, and he looked worn and pale, "Docâ€" tor, I‘m glad to meet you." "We must burry on," interrupted Ann, warmly impatient of Munro‘s glances, a copious flow of gastric juice on "Fawit Lives Tasuecrs® FRUITâ€"Aâ€"TIVES LIMITED, muly atng Through the press and from the Belching of | Platiorm the banking system of Canâ€" ikness. ‘Ahhhude‘ashhgmmtilfic , the stomach 'orr. In many particulars the sysâ€" solids is admirable, our elastic bank '.':f.‘& juice ‘cun-cy and the readiness with which the banking requirements of ~then food is lne' districts are met by branch exâ€" d mixed with | tension being its strongest features. hen you B4Y8 | However, it is not without defects, epsia. some of them of vital importance. Of these the most prominent is the lack ‘ of external inspection, which experiâ€" | ence in the western hemisphere . has | demonstrated to be essential. _ The suets | public have been reminded of | this 5 necessity by the recent failure of the Be“ungl:eui‘m Ontario Bank and the leading papers it getting over Of the country are almost a unit in demanding reform in this particular. inthcelements The reasonableness of this demand is new energyâ€" made clear by a review of Canadian he stomachâ€" banking history since 1880 and _ beâ€" : glands and fore, and is confirmed by the experiâ€" f gastric juice ences of our near neighbors prior to the civil war. In 1880 there were in .li_ll‘ll‘i:;-'erBS“’ existence in Canada fortyâ€"one banks; â€"and by acting since then seven have been incc;rporâ€" liver, put the ated and have commenced _ business, condition, making a total of fortyâ€"cight banks. i peculiar comâ€" . Of this total twelve have failed and ind tonics that some others have saved theinselves 1ada for their by amalgamation. The failures are,( stomach, liver thercfore, twentyâ€"five per cent. witaâ€" * . ‘in a period of twentyâ€"six years, the oxes for $2.50. |last ten of which were years of unexâ€" “c'f‘l’: ;:a""“; ! ampled prosperity, with steadily ris lgb" h ;ing deposits, conditions under whice y :q {even insolvent banks selsom _ close HT-:;';‘III\'III;:SD. | tneir doors.. Most, if not all of tin * ‘above mentioned failures, were frau« orrawa. ‘ulent, and it is now plainly: eviden« : that a few hours‘ examination: by « â€"â€"â€"â€"â€"â€"‘skilled banker would have discluseu nterrogated beâ€" | an insolveut condition in any one ul |thc banks, years pefore it collapsea neet them," she : In each of the two most recent disâ€" plate, "They |asters a correct diagnosis could have ss." been made ten _ or more years ago. : was not iluâ€"|Some urge that the Government parently strove [ should call for specidl returns, but ore his fellow. | what value should attach to special d to study Ant |returns from the Bank of Yarmouth, h eandid intetâ€" jyom the Ontario Bank, or from any CALL FOR AN INDEPENDENT JINSPECTION OF BANKS. (By H. C. McLeod, General Manager of the Bank of Nova Srotia.) of the other wrecks gone before? They: would simply have enlarged the piles of incorrect and deceptive bank returns in the Finance . Department. What is written by one having unusâ€" ual facilities for opservation is eminâ€" ently true: "lt is extremely rare to find a bank has failed without some of the officers ecmmitting fraudulent or illegal acts to hide it." Some Canadian bankers, including one writer, whose words are entitled to great weight, contend that Govâ€" ernment inspection has failed in the United States. _ Under the National Bank Act oi that country there has been a somewhat imperfect system of bank examination, and a more ‘ imâ€" perfect system by some of the State Bank Departments., J say imperfect, for under the national system there were employed last year 78 examinâ€" ers, whose dutics required the makâ€" ing of no less than 11,516 inspections Teach year! For the‘fortyâ€"three years during which the National Bank Act has been in operation there bave been established 7,966 banks. Of these 460 ‘have failed, the failures being equal to 54 per cent. of the whole number for the period. As for the banks othâ€" er than national, with a more imâ€" perfect system of inspection, or no system . atall, the failures reachea 174 per cent. The comparison of the percentages appears as follows National banks failed in 43 years ... ..... 5J per cent. Other U. S. banks failâ€" 4 ed in 43 years ... ...17} per cent. Canadian banks failed in 36 years ... .........25 per cent. National banks failed in 26 years (same period) 5 per cent Externaf inspection must not be regarded as an unfailing cure; it has its limitations, and the best that can be said of it is that it is a preventâ€" ative that, is properly applicd, will make bank failure almost unknown. An inspector cannot discover an emâ€" bezzlement â€" until ‘atter the act _ is committed; neither can he avoid a ruinously bad debt made before his visit, but the progress toward failâ€" ure is generally slow and in the maâ€" jority of cases a . prodent inspector would, by his advice and authority, save the situation and direct the management into safe channels. The subject of the establishment of an effective bureau of inspection is one of the utmost importance, for unless it is founded on conscrvative lines, in which the interests of all sound institutions are carefully conâ€" served, much more harm than tenefit would ensue. Bank sharecholders are the partics with the! major interest at stake, and for the present the suwbâ€" ject would be better left to them anm to their representatives, in the hopo that a satisfactory solution of / the problem may be reached. is made in the right tooâ€"shape to fit YOUR shoes. T _h-â€"â€"â€"-. --.- CRCRIDO A} We dB» WE aoue o lamtetfice! Viem + is o a0 J o Hher, oo thes Netery Puo, Converen (EMENT & CLEM ,,,w%uu:“.?m Public, Conâ€" ‘Moe over Whyte Packing Co. s store, cora «ing and Foundry streets, Berlin. -}&'o:wun-on :hg:lcgn of teal Estat cBRIDE & FLINTOFT. M ""““"'5 Holicitore, Notaries _onveyancers, &ic. Money to loan. 10 OE S2 PmE EOE «. P. CLEMENT, K C,. E. w. CLAMKNT R. C. T. NOECKER &‘{w Medallist of Toronto University siate of the College of Physicians, Surâ€" ‘-l:in:.l‘ treated. m‘:" residence aye Albort Street Waterloo, a shortdistance norts of the late Dr., Walden‘s residense. â€" Felophont onveysncers, dic. . Money . staire Cor. & Erb Ste., uol : Hing ___ Honor grauate of Toronto Universit ymu.lt:a of she Oolhco“d Phnu-g-. ...2 Eoou sud Aucoucheurs of Ontarioc t in disea»es of the nose and thromt. dw 'nt.unghn yiven to the use of the X â€" Ray and Electric C rronts an the . agnosis and treatment of suit bl cases. Oftice on Albert Street, near Public Library building. Ehone Â¥10, * JA ____ Alex. Milisr K. 0. Harvey J. Sin s + C, L. Barristers, notaries, Office &n Kconomical Block, I:-t:flt. We at DR. J. E. HETT, PHYSICIAN AND SURGEON, «n‘s office, Berlin. w M. READE B, A. 4 Barrister, Horolbor, Notary Convey m. uo.m(l).eo. 14 Queen 8t. North,Berlia _ _____ Dentist, L.D.8., Royai Lolieze &nul Surgeons. 10.0.4. 'l‘ommz. U:lvn.‘“ ‘.'m branches of d.m Dnau-;tl. lgllo. im ‘anten‘s Block, r over stome. Entrance between l‘lhn:h“’:i m er and Stuebirgs grocery, k F G. HUGHAES. â€" Dentist. ~OCifellow‘s W. R.Wilkinson, L.D.S., D.D. 8 YY C. W. W mLld, D. D . 3., veutlies waueri0u, Willvist; Kimira, Zilisx Hous Gut seoond Thursday aud frum auq towth Tnursday and » ricay of ench mouth (Thursdag i ym. to Friday i p. m. ODUNTUNuEEN tor For mutual convenience patien from a distance are particularly : buested to make appointments. offie will beâ€" closed every Yererinary Collegs, _ Ofllce and residence, i premte the Arfrsucer Houss, Eing of Jflice: Over Bank of Hamilton, Beriin. EXPERIENCED VETERINARY SUR GEON, SI.CkIL L. D. 8. D. D. S. Graduate o Chicago College of Lenial Surgery and Auyai Coliege of benial Surgeons or ‘Loront uental oftce above Mr J. Witemann‘s sto Visite St. Juoobs every lst. ard Sra Friday o wae month, _ Dentistry practioed ir all is réeeidence corner of Queen and Pringess St N# Painter and Paper Hanging. Will un 1@rtake cuntracte for painting and paper hany img in Town and Country | Furstâ€"slass We k Waterioo uffice=â€"Post Office, St. Jaoobs, OUnt. Winter Term Open# Jan. 2nd. STRATFORD, ONT. This school is recognized to be on of the Ieulilgu()ommrehl Schools in America. t graduates are in de mand as Business College teachers The most recent application we reâ€" ceived for a teacher offered $1400 per O?lluln. :o ;ollove that we a|n Tn':l ning one the most ve PPâ€"toâ€"date business |rngning schools in be province. . The demand upon us or office belp is several ‘:times the ‘upply. Write for free catalogue. ....., 3. H. Engel, graduate of the Ontarie Specialty,;Nose, Throat and Ear. ILLAR & SIMS8, s W. is ZILJARL, 1HRISTOPHER WOLFL, Jn A. HILLIARD M. ORAM, *. . Barrister, solicitor, conveyancer, ow e: m_dmnmmflw WELLB, L. D. Bs MISCELLANEOUS E11JOTT & McLACHLAN Office Open Daiy. WIDEMAN lesuec: of Marriage Liconses . DENTIST. MEDICAL L L B. J. J, A. Weir Waterioon Public