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THE BANK OF WONTREAL| WAR CONDITIONS REVIEWED. Mr. H. V.'Meredith and Sir Frederick ; fying the Bank's posit!on. Williams-Taylor Speak of its Ef- fect Upon the Country. Wit* a world- -war in progress, and unprecedented conditions existing, _ annual meeting of the Bank of Mon réal this week attracted more than he | asual attention, for it gave an oppor .unity for the shareholders of the Hank and Canadians in general to hear the views of ii of Canada's most ¢el-; ebrated bankers--Mr. H. V. Meredith and Sir Frederick Williams-Taylor. Both gentlemen reviewed the situ- ation in very able fashion, and it is} interesting to note that both express- ed the ing oe storm with a certain degree of; succe Aer pointing out the fact that the Bank had greatly strengthened its position during the bigel Mr. H. V Me redith, the President, af: . "The outbreak of hostilities --", lapse .of the whole finan-! ciawwdbric, the closing of the bourses and a world-wide a er cataclysm, y a time, at least, a condition of nigh "general insolvency was geo tritain's command of the sea was undoubtedly the chief factor in bring- ng a recovery of confidence, but great credit is due to the Government = their able financial advisers for the bold and statesmanlike views of cs situation and their prompt action In meeting the crisis, as well as to the Bank of England, for the courage and} activity with which the plans of the} Government were carried out.' Situation in Canada. After giving an exceedingly In- structive review of the world position, Mr. Meredith said of Canada that agri | subject :. culture was prosperous but a genera | suspension of new undertakings is a parent. At the same time he thought | that as regards unemployment our | position will pa aaa with | that of other countrie Mr. Meredith etined out that for-! tunately it has not been necessary for Canada to resort to a moratorium, and! closed his remarks in hopeful vein: "War and other adverse conditions ; are bound to retard our progress. A, period of rest and recuperation may } t | | Sir Frederick Williams Taylor, General Manager Bank of Montreal, be expected, but the future depends | to a great extent upon the spirit with which the people meet the changed conditions, | "Economy and prt idence In the mat- of expenditure, and earnes to increase production portable in an era of active prosperity us her r trade and renewe Stands Strain Well. Sir Frederick Williams-Taylor, after z out that the Bank of Mont- was $7 years old, spoke of the stability of the institution, and eviewed Canadfan conditions as and by each province. ! war's effects, be has been "The outstanding result : £up- e instantaneous stoppage of the bly of British capital, to which we had become so accustomed that sight was too frequently lost of its importance ns a factor in the development of the Dominion. "Money from this source flowed to ne in such increasing volume that during a consfuerable ante bellum period it amounted {n round figures to at least $25,000,000 per month. Cana- dian public be seowings from the Lon- don money market for even months ending 3ist July were $177, 606,000 Since the k of the war the taflow of pital has ceased." Our Own Resources. How to face the loss of this mopiey and continue to expand were serious problems. Sir Frederick said we were now getting a little money from the States, and added:-- "It is obvious to everyene that we are cast upon our own resources, that we are on trial, and that our future development will depend In no small) measure upon the condition in which we emerge from this trying ordeal. "The longer the duration of the war, the more will the colonial props of the Enipire, including Canada, suffer; | but good will come out of evil, for our energies will be turned to the develop- | ment of our great natural wealth, par- | ticularly our vast agricultural re: | sources, and we can then look-forward | with confidence to eventually ae ing irom present conditions a wiser| | peopie, with our affairs ona healthier, more nox i and sounder ae" Gain In Asset Tie pant of Montreal, itself, came | through the trying year with fiy! ng | colours, and its total ag oe are now| $269,400,000 compare 44,700,-| 000 a year ago. An ineropiag feature | of the statement Js the t that 'te | posits are considerably higher tha they were tant yeas 4 Dene Eeboaring interest are $154,500,000, an in- crease of $1 0,000, 000, while n-inte est-bearing Weposita are §42,900,000, a | Toss of $3, 000, 9,000. view that Canada was weather- | the following | d jgebe perial was, no doubt, in Lord Kit- 'has stuck to it mile after mile, | some sturdy and well-trained Tom- ™| both members of the combine "This. shows a net! i gain of $7,000 oie Bank's aryl for the year were 496,000, compared with $2,648,000 a ah ago. this is a small fall- ing off, it is insigniiicant compared with the ffhe results achieved in forti- in A Big Surplus. is noticed that the Bank loaned the Dominion Government $5,000,000 during the year, and also loaned over : $9,000,000 to cities, towns and school stricts to help them over a period | that mide ihe raising money | rough debenture issues exce2dingly | aificu haa 2G j Another naeeing item is the fact lthat the Ba gave the Canadian} Patriotic F und $100,000. After making the usual liberal al-| ere ices, the Bank carries forward | | | in next year $1,! 100, compared | | I with $1,046.00 the yc ank Men at Front. Not the least interesting statement }made at the meeting came Sir Frederic Williams-Taylor 8 fs a motion of thanks to the staff. aid: -- i ar previous. { 162 fine | in the | have on active service athletic young men, the best land, and double that number gladly go to the front could spared, and meanwhile hundreds i a ee ) on our nominal roll are Those with the colours will! Canada and - drilling. 'surely be a credit te = Bylsina ution ank, and may I add that tho remain behind are ~fore wn | holidays and doing the extra work} devolving upon them cheerfully and | ungrudgingly. +. -- ' P If You Feel "Nervy."" And Cuticura Ointment oc- No one can help feeling so at} casionally. They succeed | times in these troublous days, but it} eve r : is quite possible to put oa the braze, VER W hen others fail. as it were, and not let the nerves ' : in aw wi } oe Samples Free by Mail un away With us. . Cutleura Soap and Ointment sold throughout the. Here are a few wise hints on the gored. free, with 32-p, '| ok. Address "Cutibura" Dept. K, Boston, U.5.A, re e [tis t ne- If people fret you, iti hot <4 | cessary 'to be*Tude to them Try, ra | instead, to avoid them. Don't read books that uritate you. Books are plentiful, tacre fore | put away the offending vulame and !HEALTH| choose another. : fa noise at night worri you, Skier , on't let it continue to do so. Get Prevention of a Cold. ya d see to the matter and put it} 4 person who habitually "catches right . . . cold" should have his nose -- Don't let vourself get into the } : : : throat thor habit of being bored. It is nat nasal, post nasal 'and accessory ain worth are When you feel it com-| uges should receive particular at- ia ro + re i tay tL P will eget into some |tention, and any necessary opertie task that will take ali your time tion should not be shunned, in or and energy. It is better to run away from cer- tain things than let them -- you. Such martyrdom is usually u necessary, and bad for you round, der that these parts should be placed in thorough working order. Have a good supply of fresh, pure air at all times. Vitiated and con- taminated air tends to infection by lowering the local ene powers. "all = a x @ jm Quickly Cure Any Sour Stomach: Relieves Fullness After Meals. "When I was eceiiile around the farm jast winter, I had an attack of inflammation," writes Mr. E. P. Daw- 'Kins, of Port Richmond. "I was 'weak for ® long time, but well enough to | work until. spring.. But something went wrong with my bowels, for I had to USe salts or physic all the time. My stoMach kept sour, and always after eating there was pain and fullness and all the symptoms of intestinal indiges- tion. Nothing helped me until I used Dr. Hamilton's Pills. fuatnell of hurt- ing, Nke other pills, they acted very mildly, and seemed to heal the bowels. :I did 'not require large doses to get re- sults. with Dr. Hamilton's Pills, and feel $0 glad that I have found a mild. yet crtain remedy. pay te, able to digest anything. This sa say Dr. Hamil- ton's} Pills are the best pills, and my lette, I am sure, proves huse a substitute for Dr. Hamil- ton's} Pills of Mandrake and Butter- nut, pola in yellow boxes, 25c. A de 8, or The Catarrhozone Co., Kingston, Ont. i cue = ANDS MUST BE CLEA N. pordinary Precautions Taken ¥jSurgeons Before Operations. st people attribute the de- ed rate or mortality in cases of surgical operations to the ased skill of the profession to greatly-improved instruments, the more skilful nursing which tained in these days. But the Pon himself would tell. you it is almost. all a matter of ab- é cleanliness, the fact that no- ris left undone to insure abso- freedom from infection of any This fact is emphasized ; extraordinary hand-washing ations which are in force at warious hospitals. Everybody is even remotely connected an approaching operation is osed to spend 20 minutes in all-important process of wash- is hands. five minutes the surgeon es his hands with soap and and then cleans his finger: S When he has done this, he ds another five minutes doing h over again. But this is but.a aration for a third and far b drastic ablution, for this time! hust wash his hands in alcohol. bc -------------- e ; Hot, crowded, badly-ventilated PLEASED TO RECOMMEND rooms, halls or theatres predispose ing een be ee BABY'S -UWN TABLETS likewise. The healthy action of the ve aublimate. skin should be maintained. A cold ; commence 'his . a rub down with quick reaction is a' death to Mrs. Henri Bernier Ancelme, splendid prevention of colds. Oloth- nt Cape Que., writes: "Tt i: ing should be. regulated accordi been patistactory to the: demands of the weather. J oan enough should be worn to keep one comfortably warm. Too much cloth- ing conduces to infection as well as too little: Direct infection should be carefully guarded against. Keep your distance from a person who sneezes or coughs, especially in ithe first stages of a cold. Likewise bles, constipation, loss of sleep, an simple fevers, No mother of youn children should be without them.' The Tablets are guaranteed to b free from injurious drugs and may ne given to the youngest child with verfect safety and good results, They are sold by medicine dealers mail at 25 cents a box from Dr. Williams' Medicine Co., Brockville, Ont. ofa PRINCE AT THE FRONT. "A oe tact with others. "ing the -mouth and nose alWa@rm.clean by washing them out occasionally vith an good antiseptic gargle. Fatigue, hunger, mental depression and anxiety fa- vor infection, while a happy, jovial, eas temperament has ruuch fo do in preventing infection THE Entails An Enersious Benen Some The case of the late. Prien Im- MESMERIZED chener's mind when he expressed his opinion that the Prince of Wales had not as yet sufficient mili- tury experience to warrant him be- ing sent to the front. But, never- theless, he is now there as an at- tache. on General French's staff. Although his Royal Highness knows a good deal about naval affairs, his experience of the junior branch of | A Poisonous Drug Still Freely Used. Many people are brought up to | believe that tea and coffee are ne- | cessities of life, and the strong hold ithat the drug, caffeine, coffee has on the system makes it hard to loosen its grip even when one realizes its injurious effec the service was, until he was at- A lady writes: na used "cot: tached to the Grenadier Guards a| fee for years; it seemed one of the couple ef months ago, limited to = | neonate of life. ew month camp or two and a few field days |}ago my health, which had been with the Oxford University division | slowly failing, became more im- of the C But there is no| aired, and I knew that unlese re- ief came from some source I would ;soon be a physical wreck "T was weak and nervous, had sick headaches, no ambition, and doubt that the presence of the heir to the throne in the thi¢k of the fighting will entail an enormous re- sponsibiliiy on some one who, to! put it frankly, has been deputed to| felt tired of life. My husband was look after him. Lord Chelmsford | also losing his health. He was had charge of the Princo Imperial! troubled so much with indigestion years ago, and came in for a good} that at times he could eat only a deal of censure when the worst 1ap- | few mouthfuls. , pened. "Finally we saw Postum adver- This is not intended to reflect on! tised and bought a package. I fol- his Royal Highness' military capa-|lowed directions for making care- city. He has shown himself a smart, fully, and added cream, which turn- keen young officer. and they think}ed it to the loveliest rich- looking | a world of him in the sr ove and tasting drink I ever saw served of *his fellow officers the tng we h other day that he is full of "pluck. mate: S20 Although his physique is not of robust order, he is exceedingly oan and in the long route marches he after oO gained five -- in weight in as many weeks, and now feel well and strong in every My headaches have gone, a anew woman. My evans 8 indi- gestion has ro ll him, and- he can now eat anythi Name given. ey Canadian Postum ¥!Co., Windsor, t. Read '"'Th Road to Wellville," in pkgs. Postum comes in two forms: mies have been forced to fall out. What were the Prince's relatiérs with his. fellow a when he was at Magdalen? A fev weeks ago the writer was talking to one of these young men who knew bim intima' ly ; ed' him.| Regular Pesan - -- must be well "The Prince?' he said. "Oh, one] boiled. 15¢ and 2 Se packages. of the best; es shy, perhaps ; Instant Postum--is a soluble pow- but one of the er, ----_--_F___ "When the rain falls, does it ever cram & r, makes a delicious rise no nly in uired the professor beverage instantly. 30c and 50c of che a es, sir."? "When ?' | tins. "Tn dew The = Lied cup of both kinds is Marriage is 'ictins a failure if| about the "There's a Reason" for Postum. 0 Bae ot alt 2c fifty years. should one infected aveid close con- | in tea and{| at- . --sold by Grocers. tend strictly to business ean be cured quickly Extractor. Being m caustice, Putnam's is painless | Use no at wl! dealers F | Cee THE HIGH COST OF KILLING. $ 0 for Each of the Enemy That » Opposite Army Kills. Just prior to the outbreak of the pre war in Europe, Gen. Perier of 3 French army, after an ex- "haustive examination of-the statis- ties of recent wars, arrived at the conelusion that in civilized strife it oom & nation in 'the ip agpeteens of $20,000 for each of the enemy that its army kills. studies began with the Fran- 1870. The actual i n "kno >Ww £5,000, 000, 000 ver paid to Geremny as indem- nity. Tv colossal amounts by n méans sum the of the war. zt That includes the loss of trade, the crippling of industries, pensions, multitude of other items, which peabably, taken together, mound igh into the billions, They included because they are pt_of ented actual outlay for ie frecords show that in the of the war 28,600 Germans, : were either killed outright tally wounded. fach of these statds, therefore, for about $21,000 of the total sum which France expended directly the g in 'Killing was considerably less ex- pensive in the Turco-Russian war of 1877, according to the figures, which are, it is needless to explain, <NNNN Vy Vy =DODDS | hardly as reliable as those of the former conflict. Of the Russians, 16,600 are said to have fallen before Ottoman bullets, and each of these casualties involved an . outlay of $15,000 by the Tur The fatalities in the war between Japan- and Russia were very nu- The records of Japan | merous. show that no less than 58,000 of her soldiers fell on the battlefield. It was a tremendous sacrifice of life, but' for each of the Japanese who | was killed Russia paid out $20,400. Should Gen. Perier have aiiedived | the present colossal struggle a will doubtless pursue his study f ther, and very abundant. tte 2 will be at hand. The most perfect war machinery that man has devised is now in operation, under the con- trol of the most civilized nations. Offence and defence are at their very best. It will be of intense in- terest to know what it costs to kill picnicker's choice. Everybody's favorite. Full. flavored and' r perfectly cooked make delicious sandwiches. a soldier of the enemy under such conditions; An Indescribable Luxury. "T tell you," said Poots, "there is an indescribable sense of luxury in lying in bed and ringing one's bell for his valet.' "You've a valet!' exclaimed Poots's friend. "No,"' replied Poots; "but I've just got a bell.' a "Nerviline" Cures Cramps End Misery Instantly NO REMEDY 80 SPEEDY OR EFFICIENT. A real cramp cure? Yes,.a real one--in a twinkling the cramp is a dead one, and the last squirm is over, once v8 get a stiff dose of henge on the inside. This isn't mere talk--it's a solid, truthful fact No other remedy--not | a single one--will cramps 80 quickly and harmlessly as maceting, It hits the spot in a jiffy and saves a heap of mise "Last Saruetas night my stomach felt like an infernal machine," writes T. P. Granger from Hartford. "I was sound sleep and awakened from a found myself suffering the worst kind ] t ru The Outlook. a I am gving to run for of- Your friends seem pleased."' "So do my enemies. And that ooks kind of ominous, don't you hink ?"' Try Murine e se he wed y for oo We enki Watery yes nad Granulated Eyelids; ne Be tiug---- ust Eye Comfort Write for Book'of the Eye y mail Free. ae ne Ey¢ Remex ly Cop, Chicage, Mistrese--jhaiy. rll make the pudiens myself to-day. Coek--If e do, mum, I'll have to quit. Mis- tress -W hy so, Mary? Cook---The ules of our union don't allow us to work in a place where non-union !a- bor is employed «in any part of the work, mum. Minard's Liniment Cures Diphtheria. Bix--You may depend upen it that your friends won't forget you ias long as you have money. I That's right; yi x~-- especially if you. aye borrowed it from them Minard's.Linimeat Cures Distémper Humility is a virtue we all 'ad- mire in others. FARMS FOR SALE. of torture. could hardly cross my room: I I was so doubled up 2 H, Ww. DAWSON Ninety Colborne Street, Toronto. used Nerviline before for the Rim F YOU WANT TO . BUY cl BELL A will cure at once and save calling the, thing and took a real good dose. Once | Fruit, Stock, Grain or Dairy Farm, I felt the warm, soothing sensation | Write H.W. Dawson, Brampton, or 90 Col- of Nerviline in my stomach I knew 1| bor! ne 8t., Tcronto was all right. It | the cramps | H. W. DAWSON, Colborne St., Toranta. --just one single dose." . Sickness at sigs is rendered a} __. _ MISCELLANEOUS. janpaetcoguymame nightmare of the past if Nerviline isi (¥ANCER. TUMORS, LUMPS, ETO.. handy. It may be earache, toothache internal and extern a wie or cramps. Nerviline in every case| 0dt,oain by our home 'pales nega, ate:; : Limited. Golilaswosd. Ogt. doctor. Nerviline is a family physt cian in itself. The large 50c. family size bottle, of 'course, is most economi- cal. Small trial size costs a quarter, All dealers sell Nerviline. er have me break the Sabbath than a dollar bill? T wae oured of painful Goitre by MIN- ARD'S LINIMENT. AYARD MeMULLIN. Gheteam, _ I w eured of Inflx ummation. by MIN- ARDS" LINIMENT. MRS. W. A. JOHNSON. ais, Poanonal I of Facial Neuralgia -by MIN ARDS. NIMEN a ig " J. H. BAILEY. Parkdale, Ont. ' Infantry Good Marksmen. The Russian infantry use a rifle sighted up to 3,000 paces and with) a magazine capacity of five cart- ridges. The infantry are, on the whole, good marksmen, although. not so good as the Cossack eavalry- men, who use a _ similar thongh | shorter rifle. A WARM WINTER, J revails in California, the | ideal waterin lace. conventent : Eine of sauce hine, Rat and the 1915 lars on enatannon to B, Gen- eral Agent, 46 Yonge eiceal, Toronto, Ont With a Reservation. "Tell me, dearest-- marry a spendthrift ?" "Surely--if he had the thrift.' would your Minard"s Liniment Cures Carget in Cows ~ The Real Thing. A father who was taking his smal] | son with him in the train forbade | him putting his head out of the | window. "The wind will blow off. your hat," he explained, at the same time snatching the boy"s hat and hiding it behind his back. The boy was much distressed over losing j his hat, so his father said, "Now,|} watch and I'll whistle it back' again,' as he spoke putting the hat ' back on the boy's head. A minute Jater the boy whisked his father's hat off and hurled it out of the win dow, orying, gleefully, "Whistle it | back, t , Before giving advice prepare stand fromrunder. to} ISSUE 51--'l4. | Minard's Liniment Cures Colds, As. | Machinery For Sale | - Engine, 5 tin ng, belti Bi etc. from yeh is ies NO REASONABLE: | OFFER REFUSED.1,. §. Frank Wilson & Bons, 2 oe 73 Adeldide Street West, Téronto. . ' Better than a Mustard Plaster OR colds in the chest or sore throats; for rheumatism or stiffness; for sprains and cramps; Capsicum "Vaseline" brings quick relief. CAPSICUM Vaseline Trademark It does all that a mustard plaster will > Is cleaner, easier rH apply, and will not blister the s There are many other "Vaseline" » that should be in every family -- Carbolated " Vaseline", an anti- septic dressing for cuts, insect bites, ete; White "Vaseline", = piles, chilblaing, etc, Write fite our new illustrated book- let describing their many uses. CHESERR OUST MF'G CO, Consolidated) 1880 CHABOT AVE. MONTREAL TF yas , Wheelock engine, 18 by 42, & we F . Indignant. i with ister hehe fy wheel ae Mrs. Gibbs--John, while you're ings; ete., in, £ ooidigien': home 'Sunday can't you carty out! Shafting from "one inch t& thpee the ashes and save us fifty cea&its for| inches, -pulléys "thirt? inches. to having a man do it to-morrow! , | fifty inches, belting six inghés to Gibbs--Woman, would you: soon-| twelve inches. Will sell entire or in part.