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PAGE TEN T~!E CANAUTAN STATE~MAN, BOWMArqVTLLE. ONTARTO 9"TTW~AW ~,IAW~ ~1u4 ~BIB Mletropolitan Life Co. Reports Record Year's Business in 1948 Ottawa, March 22 - In Canada during 1948 the Metropolitan Life Ingurance Company paid aut $38,815,091 ta Canadian policyholders and their bene- ficiaries, and st the year's end 2,350,000 Canadian policyholders were insured for 82,241,526,648, Glen J. Spahn, ln charge of -the Companys Canadian aperations, announced with the publi- cation of the Meiropoitan'a Annual Statement. The statemeat commenta upon the fact that these payments ta policy- holders serve as a stabilizing influence in homes and communities throughout the country. In Canada 70%/ of such paements went to living policyholders. Mr. Spahn pointed out that the total amount that Metropolitan bas paid ta Canadians since it entered Canada in 12,'lus the amun now invested in Canada excees hetotal premniums receivecl from Canean by more than $352,000,000. New business for the year 1948 rearhed a total of 8205,932,746 and the statement shows that, of the total insurance now held, 57%7, is owned by ordinary policvbolders, 30% by indus- trial policyholders and 13%o by group policyhoiders. Metropolitan's total investments in Canada at the end of 1948 amounted to $536,741,420 - over $55,'000,000 in excess of 1947. These dollars of the company are at work throughout the Dominion in practically every phase of production and distribution, helping to produce more goods and create more jobs. Metropolitan's efforts to improve health and welfare followed the pattern of past activities. During 1948 in Canada, a total of 222,687 nursing visits was made to those insured under Metropolitan industrial, intermediate and group policies. In addition, the company through its agents distributed over two million pamphlets on heaith and safety, and participated in 49 Canadian health campaigns. Canada - U.S. operationa For its entire operation.s the company ciosed 1948 with $39,958,517,854 of iie insurance in force under 46,527,002 policies and certificates in Canada -and the Ujnited States. Ordinary life insurance ln force arnounted to $19,871,303,099; industrial, $9,901,870,473; and group, $10,185,344,277. There were also out- standing 448,394 annuities and supple- mentary contracts. Ia addition, 6,546,412 policies or certificates were ia force providing benefits in the event of eitber accident, sickness, hospitaliza- tion, surgical or medical expenies, includiag in the case of more than 850,000 iamilies, hospital, surgical or medical expense benefits for de- Fordet year 1948, the life insurance issue of $2,904,157,071 embraced $1,704,804,811 af ordinary $673,421,027 of industrial and 8525,931,233 of group. Other life in- surance companies in Canada and the United States, it was pointed out, are paralleling this experience, in relation, of course, to their size and traditions.l background. GLEN J. SPAHN Second Vire-Presidlcnltan charge of the Canadi<in Head Office, who reports thal the total amnount the 3e1r1plitan Life hai paid to Canns since il entered Canada in 187'2, plus the ainouni now in- r'ested ia Canada, exceeds the total premiums received from Cana- dian.s by more than $3d52,000,000. Despite the total amouat of life insurance la force with aIl companies, it is interesting ta note that this apparently vast amount of family protection is less than one year's income cf the people cf the two couatries. During 1948, Metropolitan paid out la death dlaims $263,780,7534 ta bene- ficiaries of about 235,000 policyhioiders. An additional S147,045,672 ivas paid out by way of matured endowments and annuities ta some 4.0,000 indivi- duals. Ia addition, 859403,238 was p aid out la disabilitv and accident and bealth benefits under ab)out 650,000 dlaims. In discussion cf the statement, it was pointed eut that the foregoing payments plus dividends, cash sur- reader vaiues, and other payments to policvholders under its policies and certificates, amountcd altogether to 8721,366,364. The total of sucli payments made by the company during the last 16 years aggregated $9,346,330,825, which suma is in excess of the companys assets of $9, 125,145,007 heick as of December 31, 1948. These assets are held ta meet obliga- tions of $8,591,210,201, of which more than 90%7 represents statutory reserves for future payments ta policybolders and beneficiaries. Over and above these obligations, there remained a surplus of $533,934,806, which is about six percent of obligations - a backlog wbich must be available against the possibility of epidèmnics, adverse economic conditions or other unforesecable situations. Sails and How to Handle lIiem The ideal garden is anc that siopes a little towards the South, or East and the soul is a lightish loamn and full of humus. It soaks up the watcr easily and is dry en- augh to work within a few hours after a hleavy ram., Now such an ideal wîll not ai- ways be found where ane wants it, but it is surprisîng how the most unpromising location can be improved. Even if the sali is very heavy, wet, sticky clay and as flat as a pancake, with a little patience and planning it can be turned into a fair garden. It may be necessary and profitable ta have it tule drained sa that it will get rid of surface water quickly. In most cases a few open drains, or merely a furrow or two, will be sufficient. Both heavy and very light soul too wili be vastiy im- proved by digging or piowing in manure and green materials like a cover crop of oats, peas, rye, ciover, etc. Evea a good crop of weeds wili help if dug under. Ail waste matter like pea poda, carrot tops, cornstalks, etc., should be saved and dug in or piled up just in a compost heap ta rot and then spread over the garden. The rotted vegetabie refuse dug ia adds what is tecbnically kaown as humus, puts some body into the soul s0 it wil hold moisture bet- ter. Paths A winding path adds interest ta any garden, even where it may not be absolutely necessary. But it should not be too obvicus, and if anc wants a curve or two then there should be some excuse for that curve, such as a tree or group cf shrubbery. What the path will be made of wilI depend upon how much traffic and what materials are available. Good firm sod wiil take some wear and if dry will even carry a çar. For more permanent resuits and heavier traffic, flag stones, bricks, crush- ed cinders or weil packcd gravel are ail suitable. Where these act as driveways as well and carry heavy traffic some foundation and drainage are advisable. Coarse gravel or cinders or crush- ed stone will do very well. To keep down wccds in drive- ways there are many good weed kiilers on the market. To lay the dust common saît and oid car oul can be useci and they have the ad- ditional advantages of binding the gravel or cinder and discouraging frost. Most for the Space One can grow a whalc of a lot of vegetables in evea a tiny plot of ground. A vegetable garden 10 f cet by 20, with a littie planning and double cropping will yieid many meals. In the vcry small vegetable garden one is wise ta forget those bulky or spreading sort of things like potatoes, corn, squash or peas. One should con- centrate on beans, carrots, beets, spinach, radish, lettuce, possibly a haîf-dozea staked tomatoes and perhaps a hili or twa of cucum- bers, trained over the boundary fence. None of these vegetables take up mucb room. Beans, beets and carrots, for instance, can be grown in rows only a foot apart, and 10 feet of any of them will produce many meals for the ave- rage family. With some of the very early things like lettuce, rad- ish and spinach double cropping can be practised. Plant these in rows, say 18 inches apart, with rows of the later things-beets, beans, carrots, parsnips, etc., ia between. Next Week-First plan.tings, screcns, and cutting gardens. COURTICE (Intcnded for last week) Bluebird C.G.I.T. met at Court- !ce C'burch and opened with a livcly sing-song. Betty Wilson, vice-president, took charge. Beth Dean read the scripture, anc of Jesus' miracles of healing. Wor- ship s.tory on Heaiing was toid by Mrs. Penfound and the prayer was read by Lamna Taite. Offering was received by Peggy Welsh and Shirley Deline. Luise Weh- nert read the roll caîl and min- utes. Business consisted cf dis- tribution of cards ta be soid by the girls la aid cf the Camp Fund for Leaders' Council. Thanks were expressed ta the girls for their splendid co-operation at the Box Social which added ta the treasury. Mrs. Russell De Coe, R.N. gave a very helpfui talk on health and demonstrated "setting up a tray for the sick." Two games were piaycd and meeting closed w-i'th Taps. Margaret MacGregor, Dorathy Hockins and Mrs. Perifaund attended Central Ontario C.G.I.T. Confe rence la Toronto. Ail re- port a wonderful time. Courtice W. A. met at the church with president, Mrs. J. McKenzie opening the meeting with a poem "The Christ of Com- mon Folk." Rail cail was taken with 26 in attendance. Commit- tees for the next meeting are: Program, Mrs. Bert Wilkens, Mrs. L. Fisher, assisted by Mrs. War- burton, W.M.S President; Re- freshments, Mrs. E. McLean, Mrs. Kay Hutton, Mrs. E. Gatcheil ,and Mrs. E. Bradley; Scripture by Mrs. Herb Hutton. Lesson, "Thoughts on Responsibie Par- enthood" and prayer by Mrs. C. Adams. Violin solo by Mrs. Robt. Barkcr accompanied by Phyllis Adams. Talk on Ireiand by Mrs. Penfound. Solo, "Mother McCree" by Mrs. Fulton. Purchase of 50 Gospel Sang Books was moved by Mrs. Barra-bali and Mrs. C. Adams, for use in Sunday School, chair or church. Carried. Refresh- ments were served. Mrs. Fultoni supplied Irish music on the piano whiic lunch was being sei-ved. No. 4 Mission Band of Ebea- ezer meeting dealt with anc birth- day being observed. Worship ser- vice opcned with quit music play- ed by Mrs. 'Lloyd Dawn. The lheme was "Praise God for the Bible." Mrs. S. Coverley toid the scripture story. Program in- -'iuded a tesnperance reading by Milton Arnold; recitatiori by Elaine Senko; story by Theo. Veri- hoff; recitation by Lloyd Caver- iey; piano solo by Milton Arnold; recitaition by Ramona Crystai; chorus by Juniors and story by Mrs. Lloyd Dawn. A St. Patrick's Party, spoasored by Evening Auxiliary, and hcld at Ebenezer, March 17 was suc- cesslul with a good attendance and President, Mrs. Muir presid- ing. Arrangements were made for games of Lost Heir and Crok- inole with these winners: Lost Heir- Mrs. S. Covcriey, high prize, Mrs. C. Choate, low prize, Mr. Herb Nîchols, high prize, Irene Grills, (playing on a gent's ticket) low prize. Crokinole- Babe Brown, bigh prize, Mar-y Pollard, low prize; Herm Swect- man, high prize; Clarence Hock- mns, low prize. The evcning closed with a deiicious lunch being serv- ed. Mr. and Mrs. Alec Hoy and sons a't the borne of Henry Hoy, who bas been iii at Kendal. Mrs. Rhys Miller, Toronto, Mr. and Mrs. Norman Thickson, Osh- awa, wcre callers at the Blake Oke home. Mrs. Robinson wbo bas been at the home of ber daughter, Mrs. Fred Balson, bas returned ta ber daugbtcr's in Oshawa and was visitcd by ber son Cedric. Mrs. Balson la recovering nicely. Mr. and Mrs. Albert Balson, Solina, and Mrs. Peterson, Sr., Oshawa, Mr. and Mrs. Garfield Trevail with Mrs. Gordon Trevail.. Congratulations ta Jack and Norma Gay on the arrivaI of their daugbter. a real littie Colleen, barri on Marcb 17. A nice party was given to Bill Varcoe, wbose birthday was March 17, Congratulations' A fine party was giveii at Varcoe's Community Hall under the auspices of Zion Young People. About 250 were in atten- dance. Mr. and Mrs. Gea. Annis visit- edl bis.a,- 1rt, Wlton 1 -AnnisZ at 1 she is recovering at her home after her recent operation. The many friends of Mrs. Jack Varcoe hope for a speedy recovery f rom her operation. L B.T.S. Superintendent Explaina Work ta Insurance Men A general outline of what is donc with juvenile delinquents who are sent ta the Bowmanville Training School for Boys was ex- plained by Jack Eastaugh, Super- intendent of the institution, ta the Oshawa Life Underwriters Assoc- iation at their monthly lunchean at Adelaide House on March 24. "After a boy has made four or five appearances before the magis- trate he is then sent cither ta the Training School at Bowmanville or Galt,"~ Mr. Eastaugh said, add- ing that bis committal ta the in- stitute is a Iast resort for correct- ion. If we fail then he will pro- bably make repeated visits ta the reform school after which he will prob*J1y wind up in the peniten- tiary. Prominent Speakers Feature Program 0f 0.E.A..Convention Problems pertaining toalal phas- es of education will be discussed, with outstanding educationists from various parts of Canada, the United States and England par- ticîpating, at the 89th annual con- vention of the Ontario Education- ai Association ta be held in Tor- onto from April 18 ta 21. With more than 7,000 delegates expected, arangements have ai- ready been made ta utilize cvery available assembly roomn at the Royal York Hotel as well as lec- ture rooms at the University of Toronto. civic halls and schools. The convention theme is "Educa- tien for tomorrow." An international authority on juvenile delinquency and problem chiidren, Mrs. Dermot Morrah, London, England, wiil deliver four addresses during the conven- tion. Others who will participate on the program include Dr. Stella S. Center, New York University, Dr. Ira Dilworth, Montreal, Dr. Jay B. Nash, New York Univer- sity, Dr. D. H. Russell, University of California and Miss Lillian Russell of Evanston, Illinois. A highlight of the convention wilI be a musical festival with a number of chairs and ensembles from various public and separate schools throughout Ontario par- ticipating. Another feature will be the finals of a provincial-wide public speaking contest. Promi- nent speakers, panel discussions, displays, exhibits, drama and mu- sic demonstrations and other fea- tures make up the balance of the program for the four day con- vention. The Ontario Educational Asso- ciation is a voiuntary, co-opera- tive organization comprised o f teachers, trustees, ratepayers, pro- fessors, inspectors, Home and School members, school nurses, Department of Education officiais and so on. Its primary purpose is ta advance and improve our system of education. More than 60 per cent of the moniey now paid out annually by the life insurance companies of Canada and the United States goes to living policy holders, not to their beneficiaries. IBy Their Works <by Joseph Lister Rutledge) Of ail the political systema e f our day free enterprise is the anly one af which we demand an im- Possible Perfection. Well-mearnng men are ready to say of commun- ism thst it is stili in its infancy; of socialism, that it is hardly been tried. Yet cominunism, as a fight- ing creed, is over a hundred years old, and Robert Owen enunciated the precepts of socialisni a century and a hall ago. Free enterprise, as an active force, is no older. If we demand perfection of one, we must demand it of ail, and al would fail. A test that seeme bath more simple and more adequate is ta ask which political and social creed has done moet to widen horizons? Which has given the most people the most benefits? The best that can be said for commuriism. is that in its hundred years of if e, and its thirty years of intensive propagation, lt has gathercd ta it the discontented, the peaple who cannait, or wiil not, functian under freedom; who prefer the swif t pangs of revolu- tion ta the steady progress of evo- lution. Nowhere arc its adherents free. Nowhere do they control their ow'a destinies. Commun- ismn's horizon is ibounded by the thinking and determination of the Soviet Polîtburo, elcoted by its ow-n immediate followcrs and res- ponsible to themselves alone. Ev- en if, under it, men found mat- criai benefit, it would, be at the cost of freedom. That is a total debit. What bas socialism. idone? In practice it bas built on the found- ation of free enterprise. It has not pioneered. It contcnds tha-t by restricting freedom to work and profit--by puttinýg authority into officiai hands-the benefits of human effort are broadened. As yet, Britain's experience is far from proving that case. Sociaiism has not paid for the benefits it offers. These must stili be met out of deficits. It has not made mcn more satisfied or more pro- ductive. It has only extendedt.he austerities. New Zcaland, the showpiece of sociaiism, bas had a longer chance. By sociaiizing pro- fits it hýas. not chýanged the faot that from 1939 ta the prescrit tax- ation has incrcased 323 per cent. What of aur systema of enter- prise? Granting its faults and li- mitations, where would the world 1 be today but for the free enter - prise countries? Where is te the most money, the most produc- tion, the most widespread taler- ance, the most generous spirit? Where else in the world Mren= so free? Where else has the work, er the right ta combine and bar. gain? Where else have his earn. ings increased 300 per cent in halt a century? Where else are mn so protected and so free? Let us admit failings that must be remn. edied. But let us admit also thet no other system has so practically approached a practical Christian.- ity. AMONG THE 1,000 ISLANDS Everything you want from a summer holiday vou'Il flnd in the 1,M00Islands With brcathtaking beauty and a sense of history thrown in. But sinall hont sailing is tops. M'ant te, know more' Write to, the ('hamber of Coimmece'at Gana noque, 'Ga teway to the 'Uhoti- sand Islands'. Fir-t class rail and road service, as Canarioquie is on the main line from Montreal and Ottawa to Toronto anid WindLsor. You'll meet many visit ors from the V.S.; mnake them fuel welcomnc ta hospitable Ontario. LETIS MAKE THEM WANT TO COME BACKI y.) -J .1 Coke is back to a nickel again!1 carton S (Plus deposi:) AsÀ for it cikher wy ... b«A AuthrIe b.ttler of Coca-Cola under contract wth Coca-Cela Mt.I HAMBLYS CARBGNATED DEVERAGES SS H AWA - - PHONE 755 CANADIAN INDUSTRIES LIMUTED % Mar PAGE TEN iL ri CANADIAlq STATMMAN, 15OWMANVILLE. ONTARIO TffupmAT. IWARM ilit loft y One of Fînest Sehools "Bowmanville bas anc of the finest schools ln Ontario," he said, including private schools where tuition fees are paid. Ia many cases the enthusiasma and spirit excels that of private scbools. Be- fore boys were anxious ta run away, today they want ta stay there takiag pride in what they caîl "their school." Within a per- bod of five years 75 per cent of the inmates who have left the institution are living normal hon- est lives. "Most of the supervisors are ex- service mca who belp in every way to be teachers ratber than guards. Tbey take a deep interest la the boys, teaching tbem as wcll as being "their friend." Board meetings are held regulariy with the supervisars who discuss ways and means to improve conditions of thec school. "Although the majority of the boys in the school are of poor homes it is untrtle ta say, that is the reason for their being there, for most chiidren who were brought up la similar conditions bave turned out ta be men of the big positions," Mr. Eastaugh said, adding that he does nat blame the parents. Most parents take a deep interest in their cbiid and want ta see hlm make good. The rea- son for their deiinquency is one thing rio one can put their finger on, Mr. Eastaugh said. He added that heanery boys were flot juven- lie delinquents but incorrigible young aduits." Canada produces more nickel, more asbestos, more newspririt and more platinum than any other country. If vou mi4 road thi4ri gr4de-marks mean the same Ming. 14