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In the last 10 years Etobicoke has ~fncreased its population by 155 perâ€" eent. In the Lakeshore the town of Mimico has shown the greatest populaâ€" tion gain, 48 percent in the last 10 eats ; (compared to 14 percent for New fimtn and 25 percent for Long anch) . Last year 50 citizens filed insurance ims against golfers on the two E.etm municipal golf courses for being t by alaolf ball. The Federation of Ontario Naturalists has received Metro permission to establish a wild flower Metro officials are beginning to wonâ€" der at some of the wage settlements going on in the smaller Metro suburbs. It is being suggested that generosity is existing because the suburbs will not be around much longer. = Another suburban reeve said that once Etobicoke takes over the Lakeâ€" shore suburbs there will be a massive rezoning program introduced. The air E)Ilutipn problems of New Toronto and imico are being blamed hy some Metro officials on poor past zoning policy. Metro Works Department is basing its water and sewer plant expansion program on the belief Metro Toronto will have a population of 5,000.000 by the year 2,000. The current population is about 1,677,000. rmj'ect being located on Metro park and. The reeve admitted, however, he liked the idea of having it at the CNE grounds. It was the Etobicoke reeve who cast the deciding vote by Metro parks comâ€" mitgee_'t_o _favor Ontario‘s centennial . Etobicoke Reeve John MacBeth made a mistake last week. He put his box of cigars in somebody else‘s brief case. He got them back because the owner, Parks Commissioner Thompson smokes a pipe. + Despite this they all insisted that a fence would cut down the nuisance. Elected officials should realize that beâ€" I. G. Binnie of Argus Steel informed the committee that on the advice of accoustical experts, no fence had been built as it would probably make the sound resonate and cause increased grief to the surrounding residents. With the exception of Councillor Dave Lacey none of the committee members were interested in seeing the expert‘s report. Argus Steel is being dealt a cruel blow by the township which so readily accepts their taxes. Although the comâ€" pany seems willing to erect the fence and plant the trees that the committee recommended, _ they _ understandably objected to such a project being made into an order. Mr. Bissett said he had certain objecâ€" tions to written constitutions. Reeve John MacBeth said a written document His statement followed a request by planning board staff that the board commit to paper its policy regarding rezoning to permit apartments and other multiâ€"family developments. _ Alex Bissett, Etobicoke Planning Board Chairman, says that the only policy â€" of sorts â€" that the township has is to continue the trend to make the community a shrine of affluence. Asking officials at the company, he was told that doing some checking, the insurance company found out he was not a good risk. How did they deduce this, he asked? They were informed. was the answer. The gentleman in question has lived in the Toronto area for six months. No one knows him here well enough to say he is of doubtful character. Before moving here Re was an active community worker, and a stable person, THE ADVERTISER â€" GUARDIAN, Thursday, September 17. 1964 â€" Page 4 A case has come to light whereby an individual was informed his insurance will be cancelled at the end of the month. He had recently taken out the policy and paid cash for it. A cheque was enclosed with the letter. At the same time as protecting inâ€" dividual rights, laws have been passed to assure those involved in automobile accidents are satisfactorily compensatâ€" ed. Insurance is compulsory, or, one must pay money to the Unsatisfied Judgment Fund. Canada and Ontario is making great strides in the protection of individual rights, however, in one area it is sadly lacking. Insurance Company Injustice Bad Planning Responsible An Inside Look A t Metro Editorial Unconstituted Shrine While some Metro councilliors were making speeches last week others were gathered over transistor radios listenâ€" ing to election results in two provineial ridings. shopping centre will be completed by 1972. It is also recognized that eventuâ€" ally the Queensway will have to be widâ€" ened to six lanes. elsewhere Metro planners, using computer calâ€" culations have approved an intermeâ€" diate road system for the propased Sherway shopping centre at No. 27 Highway and the Queensway in Etobiâ€" coke. However, the company is concerned about the annoyance, and more considâ€" eration is due to it. After all, how many persons are employed by it, and other industries in the township. If, when a company is operating legâ€" ally, it gets rapped on the knuckles, who would blame it for pulling up stakes and taking its revenue and employment The blame for the current mess lies first with the township for poor planâ€" ning and secondly with the residents for moving there. The residents‘ preâ€" dicament should not be the concern of the steel company. Argus, working completely within their rights should not be told what to do by the Council they support with taxes. Metro has prepared a winter works program that should give 100 men at least six weeks‘ work. The program will be expanded by individual Metro deâ€" partments as winter approaches. The first contract should be let next spring on the construction of Eglinton Ave. across the Humber from York into Etobicoke to connect with Royal York Road. j boro Reeve Albert Campbell representâ€" ed the Canadian Federation of Mayore and Municipalities in a Prince Edward Island gathering of mayors and reeves from across the nation. Mr. Bissett says a written constituâ€" tion could be considered a bill of rights for an applicant. Home dwellers deserve a bill of rights tp.protect them from spot rezoning. cause they are called upon to make deâ€" cisions of all sorts, they are not necesâ€" sarily experts. Mimico‘s Mayor Griggs last week advised the mayor of Toronto "not to be a spoilt boy" about opposing the site for the Ontario centennial project. More apartment units were built in Etobicoke in 1963 than in the city. In fact 22 percent of all apartment units built in Metro were located in Etobiâ€" coke. However, residents are entitled to some guarantee as to the zoning status. Who would want to build here if they thought the township might approve rezoning a neighboring lot for apartâ€" ments? preserve south of James Gardens in Etobicoke along the west bank of the Humber River. Such plantings would include trilliums, marshâ€"marigolds and mayflowers. is binding, and it would not serve the board‘s purpose. volved in an automobile accident it is not morally right for an insurance company to cast him to the dogs withâ€" out a fair hearing. Some system should P instituted whereby a man could have his case brought before a magistrate. In this day and age when a man could easily pay many thousands of dollars if inâ€" volved in an automobile accident it is not morally right for an insurance This is where existing civil rights are sadly lacking. Here is a man who has been convicted without a trial, and perâ€" haps on hearsay or vengeful evidence. Insurance companies have to protect their informers, and at the same time the accused has a right to clear his name. However, he has no recourse, except to play a game of bluff and threaten to sue for defamation of character. He has asked those who knew him in his former home town to write character references. Now, he is blacklisted, and wants to clear his name. with a responsible outlook on life, He still has the same attitude, and has not had an accident in six yvears. It is a«sumed the first stage of the One member of Metro Council, Scar The same process could be expected if t} chartered banks were given freedom to part He cited the entry of banks into the field of personal instalment ioans as "a clear exâ€" ample of this process". On such loans the chartered banks "receive an effective yield in excess of six per cent, which is appropriate to the costs involved in handling this type of lo@n." . Since the chartered hanks began to compete in this field, "the result has been a reduction in the average cost to the Canadian public of such financial accommodation from every type of lender,"â€" Mr. Currie said. age interest charges over the wt financial activity than would oth The elimination of the ceiling wor that the range of mter(‘)}fi?&s Various types of accrfomodation would be higher. There would in fact almost certainly be reductions in many of the rates charged because of the new areas of competition which would be opened up to the chartered banks." "There is accordingly little protection to the public in this artificial price barrier, and the consequence of its removal will be lower averâ€" The main effect of the ceiling has been to force borrowers to apply for loans outside the chartered banking system in cases where the cost and risk meant that the rate would have to be higher than six per cent, he pointed out. Nonâ€"bank lenders are "shielded from the comâ€" petition they would otherwise receive from chartered banks of the public interest. He suggested these points deserved consideration above all others, either as part of the Porter Commission reâ€" commendations or on their own merits, in Parâ€" liament‘s forthcoming review and revision of the Bank Act. Speaking recently to the Tornto Society of Financial Analysts, Mr. Currie noted that these two amendments were recommended by the Porter Commission. The address was his first detailed public comment on the Comâ€" mission‘s report. Mr. Currie singled out the six per cent ceilâ€" ing and the present mortgage restriction as the impediments doing most to inhibit comâ€" petition by _ghartered banks, to the detriment There has been "a great deal of misunderâ€" standing" about what would happen if the six per cent ceiling were removed, Mr. Currie said. Williamâ€" M. Currie, Chief General Manager of the Canadian Imperial Bank of Commerce, said two amendments to the federal Bank Act would go a long way toward the achievement of this competitive freedom: removal of the six per cent ceilingâ€"on the interest chartered banks may charge for loans, and the granting to them of full authority to make conventional first mortgage loans. * Canadians can expect lower average interest rates than would gtherwise be possible, on both mortgages and%her kinds of loans, if the chartered banks are*given "freedom to comâ€" pete effectively" in these fields. the president of the Canadian Bankers‘ Association said toâ€" day NOW LOCATED AT THE NORTH END OF ELMHURST PLAZA Lower Interest With Freedom ? PEGGY SMITH SCHOOL OF DANCING ANNOUNCES FALL REGISTRATION "My Test Pattern‘s Acting Queer" Tap, Ballet, Tos, Ballet Jarz Preâ€"School Ballet, Highland, Actobatic, Baton Twirling. Teenâ€"age and Adult Balliroom, Women‘s Limbering ALL STYLES or DANCING POR ALL AcFS than would otherwise exist. \the ceiling would not mean . m\(:e{(“firps charged for acoitnmodation . would be 1364 ISLINGTON AVE. NORTH REXDALE STUDIO PHONE 741â€"283837 NOW IN 7th YEAR IN REXDALE AREA AT THE NEW MODERN STUDIO ling has been to loans outside the cases where the rate would have t, he pointed out. le range of CLASSES IN Suggested that suitable re banks should be brought ab propriate legislation dealin those institutions" instead exireme course" of putting t other institutions under ide control. Opposed as "discriminatory" the recommenâ€" dations that would retain restrictions on banks‘ nights to perform trust functions while perâ€" mitting trust companies to carry out banking functions. "Whatever the formal requirements may be, the banks would in any case have to maintain a certain level of cash reserves, backed up by other highly liquid assets, in order to be in a position to meet their deposit liahilities on deâ€" mand." he said. Thus the Commission‘s sugâ€" gestions "would perhaps not invoive any funâ€" gestions ‘ damental proach to He found "interesting" the Commission‘s opinion that, while some specific requirement governing banks‘ cash reserves in relation to Canadian deposit liabilities is necessary, the present arrangement covering the maintenâ€" ance of an additional liquid asset ratio serves no useful purpose. "If the two basic recommendations in the Royal Commission report were implemented, the chartered banks would likewise be in a position to invest some part of their resources in higherâ€"yielding assets and could in turn offer deposit rates which would allow them to compete more effectively for the savings of the Canadian public." "At present the other depositâ€"taking instiâ€" tutions can pay higher rates than the banks for the deposits they take from the public beâ€" cause they can earn a higher average return on them," he said. ‘They have no interest rate ceiling to contend with and have thus been able to invest heavily in conventional mortgages. A further benefit to the public of allowing the banks to move into new areas of higherâ€" yielding business, Mr. Currie said, would be the possibility of higher interest rates on deâ€" ness and to charge the going market rates in various parts of the country. With greater competition, the effect would be to exert downward pressure on the average rates. cipate in the conventional mortgage loan busi Referring to other aspects of the in‘s report, Mr. Currie: > meet their deposit liahilities or > said. Thus the Commission‘s would perhaps not invoive any changes" in the banks‘ present table regulation gulation of nearâ€" out "through apâ€" g _ directly â€" with of the "rather he hanks and the ntical legislative ommis ap Bloorâ€"Jane on, "by federal health grants and is available to all residents of the province, not just those who are insured under the hosâ€" Dress Making â€" Designing AN Styles â€" Also Another ‘Free‘ Health Service In addition to physiotherany in approved private facilities prescribed medicaily: necessary treatment in the patient‘s place of residence will be provided if, in the opinion of the attending physician, the patient eannot attend the physintherapist‘s ofâ€" fice. In such cases the physioâ€" therapist may charge the paâ€" tient, or patients, up to $1 per visit regardless of the number of patients treated. David Solomon, R.O CLAYTON R. PETERSON OPTOMETRIST Suite 1â€"Humbertown Medical Centre BHumbertown Plaza â€" 231â€"A6%4 Royal York Rd, at Dundas Call Your Local Printer THE ISLINGTON PRESS BE 1â€"0611 14 Advance Road TORONTO 18 The _ treatment, _ however, must be medically necessary, prescribed by a duly qualified physician and received in the office of a physiotherapist who participates in the program. All registered physiotherapists in private practice in Ontario were eligible to apply before Neptember 1 for approval to participate Physiotherapy _ received _ in the office of a practising registered physiotherapist will be available without charge to residents of Ontario on and after September 14, according to an announcement by the Ontario Hospital Services Dear Sir: Since 1928 an increasing number of churches and minâ€" isters in many countries have been observing October 4thâ€" dedicated to St. Francis of Assisiâ€"as The World Day for Animals. Its Christian object is to inculcate the Spirit of Leonard A. Braithwaite BARRISTER, SoLICITOR 855 Kipling Ave, N., Weston in Westway Plaza NEED PRINTING ? 235 Dixon Rd., Westown PI BARRISTERS & soLICiTORS 4889 DUNDAs sT."w. Fully Qualified European Evenings and Sature Appointment Above Islington Post Office BARRISTERS, SOLICITORS, NOTARIES PUBLIC 4195 DUNDAS ST. W. (at Prince Edward Dr.) B James B. Lawson, Q.C C John Cannon DEWAR & GRAHAM Barrister, Solicitor, Notary Public Suite E, Royal York, Plaza 1500 Royal York Road Telephone: CH 9â€"2288 DRESSMAKING Letter To Thz ELditor LUCK & HARRIS Evenings by Appointment TELEPHONE 217â€"5469 Barristers & Solicitors Telephone BE 1â€"2211 Telephone 211â€"7631 PRINTING mgs by Appointment Professional Directory Home Calls LAWSON CANNON & FEDIOW Business Directory A llor.um RO sâ€"am vson, Q C C John Cannon Stanley W. Fediow, B A Se. days by OPTOMETRISTS LEGAL WILBERT G. MARSHALL LIMITED 3034 Bioor St. W. â€" mg 1 Charlotta‘s !lmd.flunl 2475A Ricor West at RO 1â€"2711 DONALD F. witHrow OPTOMETRIST The cost of the outâ€"ofâ€"hosâ€" pital physiotherapy will be shared by the province of Onâ€" tarie and the government of Canada. The Workmen‘s Comâ€" pensation Board will continue to pay for treatment given to it# claimants. Also, a resident may elect to pay for nonâ€"preâ€" scribed treatment by making prior arrangements | with . a private practising physiotheraâ€" pist. GENERAL INSURANCE Physiotherapy will be availâ€" able under the plan for up to three weeks‘ treatment in any one course, but this may be extended if the need for furâ€" ther treatment is certified by the attending physician. 1495 Kipling Ave, N Evenines & Satur Gordon M. Pyne ‘he plan will not cover physiotherapy for: (a) condiâ€" tions unrelated to disease or injury, such as preâ€"natal exâ€" ercises, weight reduction or the treatment of minor muscular fatigue; (b) treatment not preâ€" scribed by a licensed physician; (c) treatment not provided by or under the direct supervision of a auly qualified registered physiotherapist â€" who â€" partiel. pates in the program; (d) treatment not accepted by the commission as being medically necessary. pital insurance plan own _ responsibilities, . t hey would never condone or supâ€" port that (commercialisin, ete.) which directly involves ingvitâ€" able sufferings of sentient creatures and the shamefu} ‘de~ gradation _ of â€" their . fellowâ€" humans. So, all Sunday School Superâ€" intendents and Ministers are asked to conscientiously ob» serve this Christâ€"like Ideal in an appropriate way in a serâ€" vice on September 27, or Oetoâ€" ber 4, or l1th. It is most certain that if inâ€" dividuals had the inner Reverâ€" ence for Life and realized their J. Eric Young, Q.C. Also Love in the hearts of o brethren who are indifferent and cruel. CALLAN L. 3329 Bloor Street West Barrister, é;llcttor Public Cvenines & Saturdays by Apnotntment Mortgage Loans Arranged _JNSURANCE SLENDERIZING BR â€"3317 Residence: RR KIPLING PLAZA Maxine Method Guaranteed Resulte 4937A Dundas St. W Telephone: 239â€"8143 Telephone Steam Baths, Facials Dundas Street West BARRISTER B.A., LL.B., BE 1â€"3333 ter & Solicitor Not Covered OPEN E. Clifford Pratt, Eagle Road urs sincerely s Arranged 366â€"6497 N BE 9â€"2333 Notary Rexdale