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: R.oyal Emi^k of Canada In Strong Liquid Position' Annual Stetemeiit Show* Total at $765,512,920 â€" Liquid Bad Attacks of Fh AsseU at $2(55,929,915 and Equal to 52.86 Per Cent, of { Brino* Total liaiMiiitie* to the Public â€" Included in Them Are Ca*h Holding! of $164,630,724, Equal to Orer 24 Per Cent of Ptiblic Liabilities â€" Savings Deposits Hold Up in Satisfactory Manner. Shi'.rcholders of T ie Roy&i Bank .tf Ctm*dA will have r< aeon to b« g^rati- IM at th« itrongr ittaUment that >i being forwarded to them for the fis- cal year to November 30th. In line with the reports issued Vf the larger banks Tttal Assets, due to the less active business conditions, •re uowR moderatidy from the pre- rious year. On thi; other hand there has been a substantial increase in the holdings of Gover'.in-.ent and Muni- ripal lionda, with the result that Liquid Assets have increased to 52.8S per cent, of public liabilities. A iurtber feature of the Liqud Assets is represented by the holdin/s Off Cash, which r.^w aggregate u much as $164,630,724, and are equai to over 24 per cent, of publi* liabili- ties. Profita for the year, as we? to be expected, show a slight recession due to the general trade conditions and the lower interest rates that have pre- vailed in reserve centres, but after making full allowance for all bad and donbtful debts, and providiag for cost It managemest, they were amply euf- ftcient to permit of the payment of dividends and the usual appropria- tions, as also to allow of a further contribution to Profit and Loss Ac- Gount. STRONG LIQUID POSITION. The statement which appeared la a recent Issue shows Total Asseta of $765,712,920. Of this amount, liquid assets amount to the large sum of $355,929,915, equal ^o S2.86%of all liabilities to the public. Cash holdings, aggregating $164,630,- 724 ana forming one of the striking fleatures of the report, represent over S49(i of liabilities to the public. Dominion and Provincial GJovern- ment securities are $89,448,844, com- pared with $86,473,058 at the end of the previous year, and Canadian eaanicipal securities and British, for- eign and colonial public securities $26,750,444, up from $24,641,816. The various loan accounts reflect sorrent business conditions, and are down substantially from the previous year. Commercial loans now stand at $360,562,286, againEt $419,345,043, while call loans in Canada have been reduced to $28,951,263 from $39,137,- 268 and call loans elsewhere to $36,- E. M. Wart) FInda Wonderful Plck- Me-U|» In Or. Williams' Pink Pllla "I have had at- tacks of the 'flu' frequently since 1919. and some times very bad at- tacks, but always _ when on the road to recovery [ take Pink Pills and i find Wonderful Vitality. 400,142 from ^37,156,111. Reduceo im[K>rt and expoit trade account for the .-jduction in Letters of Credit to $20,092,951 from $28,966,50<». DEPOSITS AT SATISFACTORY LEVEL. Depuiiits hav«: been well maintaia- ed. Total deposits at $619,094,143 show a reduction for the your of less that 79'o, from $664,795,716. Savings deposits maae a very gratifying :Lowing, and at $468,39 ,153 are down less than $8,000,000. In view ot the large Government loans floated during the year, the total would indi- cate i tendency amo.ig depositors to ^eep an:ple cash balances and to add steadily to their savings. Non-interest deposits, which in the main are the working balances of business and farming customers, reflect the cur- tailment of trade activity and lower prices, being down to $1''8,983,165 from $170,913,903. Sh-iroholders will .^e interested in seeing that the reduction in loan ac- Cuur.ts has more than offset the re- duction in commercial deposits. At the same time, the strong liquid posi- tion means that just as soon as trade recovers the bank Is in a position to take care of tie increased require- ments of its customers. Earnings have held up well, espe- cially in view of the lessened business a.'tJvity and Ihe lo-.-er interest rates at reserve centres. Profits for the year were $4,861,849, compared with $5,448,327. They fully covered divi- dend requirements of $3,850,000; con- tribution to Officers' Pens'oi Fund, $200,000; appropriation for bank premises, $200,000; and reserve for Dominion Government taxes, $600,000. For a number of years the bank has onrried an unusually large am- ount of undivided profits. This year the directors have authorized a trans- fer of $3,000,000 of 'his amount to investment depreciation reserve. This will be regarded as a conservative .novt, strengthening as it does the inaer reserves of the bank to this ex- tent and leaving $1,166,964 to be car- ried forward to credit of Profit and Loss Account. The annual general meetinj, of the shareholders will be held at the Head Office of the Bank in Montreal, on Thursday, Jannajy 12. Dr. WtlllamK them a wonderful pick-me-up." I So writes El M. Ward. Saskatoon, I Sask., who further states: "I would recommend Dr. Williams' Pink PUls to all sufferers from that rundown. listless feeling. I have taken the I Pills on many occasions, and they ' seem to tone up my blood wonder- i fully. I have been anaemic for years, and find that, when I get rundown, I after taking several boxes ot Dr. Wil- liams' Pink Pills the color comes back to my cheeks and I have won- derful vitality." Dr. Williams' Pink Pills rebuild health by creating new blood and In- creasing the red blood ceils which re- store the wasted tissues and revital- ize the exhausted system. They re- move the cause of rundown or nerv- ous conditions. Try them. At your druBflst's. 50c a package. OUR CROSS-WORD PUZZLE TT Owl Laff 8 A Toast Here's to the man who plans things â€" Builds thingsâ€" makes things; Who prates not of wonders of old. Nor gloats over ancestral gold. But takes off his coat and takes hold And does things! No matter how seriously » man ;a injured, on the way to the hospital he has the satisfaction of knowing he soon will be getting along as well as can be expected. VisitDi suppose that your home town is oi... of those where everyone goes down to meet the train?" Village Wagâ€" "What train?" Cynical Cynthia thinks it's too bad so many people give up dancing after they're married. That's about the only time they ever put their arms around each other. Settlement Work Lauded Toronto. â€" The most permanent and eonstructlve relief work now being carried on in Canada is the back-to- tlte-land movement in northern On- tario, in the opinion of Hon. W. A. Gordon, Dominion Minister of Mines, and Hon. William Pinlayson, Ontario Minister of Mines. "The value of the back-to-the-land movement in the development of Nor- Uiern Ontario cannot be estimated," according to Hon. Mr. Finlayson. Administered by an authoritative committee, the movement is being car- ried out in a most thorough fashion. Pitfalls encountered In previous at- tempts are being avoided by careful •election of lands in the upper and lower clay belts. The farms are cho- sen for their fertility and most are near railways, churches and schools. Where a farm Is more than three miles from a school, correspondence courses are supplied the children. Lecturer (who has spoken for two hours): "I shall not keep you much longer. I am afraid 1 have spoken at rather great length. There Is no clock in the room, and I must apologize for not having a watch with me." A Vole©: "There's a calendar behind yon, mis- ter!" « Mother â€" "You were very naughty to disobey me, and I have punished you to Impress it on your mind." Son â€" "Mummle, aren't you mistaken In re- gard to the position ot my mind?" Do You Know? Balancing the Budget Teacher â€" "We borrowed our num- erals from the Arabs, our calendar from the Romans, and our banking from the Italians. Can anyone think ot other examples?" Charlie â€" "Our lawn-mower from the Smiths, our phonograph from the Browns, and a pair of stops from Miss Evans." Here are some answers from exam- ination papers of school children: A man who marries twice com-mit» bigotry. In Christianity a man may have only one wife; that is called monotony. A spinster is a bachelor's wife. A skeleton is a man with his Inside oat, and outside off. Give Her Some Catnip Mrs. Gabb â€" "So your husband ob- jects to cats." Mrs. Stabb â€" "Tea, Indeed. He says that I feed all the cats in the neigh- borhood. Won't yott stay and have tea?" FIga of Thistles "Your methods ot cultivation are hopelessly out of date," said the youtli- ful agricultural college graduate to the old farmer. "Why, I'd te astonish- ed if you got ten pounds of apples froia that tree." "So would I," replied the farmer. "It's a pear tree." A writer says that golfers are rare- ly moved by scenery. But how thos« golfers can move the scenery. Some girls wouldn't mind having a wedding ring on their finger. It's the thcnght of having a man on their hands. Teacher â€" "Who can name one im- portant thing we have now that we did not have 100 years ago?" Studentâ€" "Me." ClaMified Advertising A .V OFFER TO EVElir .;'â-  HXTOH. J\ LUt of wanted linniCur.s and .ml liifu/'matlon aent trim. Tli* Biusaay Jom- paay. World i'ateni .miom â- â- :*. dVi Liun.i Ulrrtt, Utittwa. Canaila LUMBAGO J\ will relieve the worst uKes ot i-uinbago. Try It mid be oor.-.mced. iva ana tl. uu prepaid. Gallaghe H'^.'neilles, I'eterbtir'iu^h. Ont. WINTER TERM from Jiin. 3ra. Shaw Uusli>-'<^ SohiM^U of Toronto. Secreturlal. .\ -.•lui.tlnif. Stenugraphlc Cuurses. l''<"r»i;r.al At- tention. AzslHlance 'i i;!.)''l'>ynifnt from Hpecittl Offl<-c I'ractl-'- Uur^-B'J. <?ataioKue free. AddrtrK.s 'i^'. H. Sliuw, I'res.. i«iy-Charlc9 llilt;. ue;,i. A. Horizontal 1 â€" Biblical character 4 â€" To fasten 9â€" Proverb 12 â€" Collection of facts 13â€" Boat 14 â€" Girl's name 16 â€" Sentence construc- tion 17 â€" To spread out 19 â€" Goddess of discord 21 â€" French article 22â€" To climb 25â€" Father 27 â€" American island 31â€" Warm 32 â€" Lessened 34 â€" Latin conjunction 36 â€" Because 36â€" Vase 37 â€" Preposition 38 â€" To decide 41â€" Through 42â€" Slender 43â€" Asiatic ox 44â€" Trunk 45 â€" Above 47 â€" To appoint 49 â€" Retrain 63 â€" Strong 57 â€" Manner 68 â€" Attends 60â€" Part of "to be" 61 â€" Favorite 62 â€" Unmetered writing 6Jâ€" Animal's foot Vertical Iâ€" Holds 2â€" Some 3â€" Aide 4â€" Mark 5 â€" ^Art of mounting ( â€" Enclosed 7â€" Fish 8â€" To fall 9â€" An East Indian Um- 52â€" Title ber tree 54 â€" Opening 10 â€" Racket 65â€" Age 11 â€" Manner 56â€" Moisture 16â€" Number 59â€" Negative 18â€" Nut 20â€" Pouclj 22â€" Shelters 23â€" Inn 24 â€" Pronoun 26 â€" Topers 28â€" Pronoun 29â€" Chewing plant 30 â€" To worship 32â€" Beetle 33â€" Rather 35â€" Bone 39â€" Musical note 40â€" Scottish for John 41â€" River In Italy 44â€" To solicit 46â€" Shoe 48â€" To ponder 49â€" Top 50 â€" To hasten 51â€" Remainder AN3>»ER Credit's due the man who discover- ed that the only person who makes a success running other people down Is the elevator boy; and we can guaran- tee that he runs more people up than down. Mr. Newly wed â€" "Is the steak ready iiow, dear?" Mrs. Newlywed â€" "I'm sorry I'm so long, George dear, but It looked hope- less grilled, and it doesn't look much 1%at in the big gi-aln elevators at Montreal there is a uacblM iMt Ma »lck up a loaded treliht Mr, *ad toialag It about aa thoagk » i<4n a t«y. mvtr it of its giahi te itw than a mtouta? Tha VMt«- flhia Bh«wi a fralght car beln« lalotded by one ot theae machiyi. «• anloadlBg record of one of these machines Is tWree ears «« fwa «l>«toa. â€" • When Teething â- I find BABVS OWN TABLETS »x- cillent for fevered, restless children when cutting teeth, as they east the gums and enable the babies to tfeep". writes Mn. S. C. Smith, Cstp, (At oil, fretful, diatroted little folk* CH ' UPPT MMl atiatoHabll ftrftk <a> al BABTPS Om ms ^ iiM Am t, temubic tad thaobtW r ' I tMt^i for the (MM ^ ( He, COBsOBttidB «» dfMr. h. pMf giilfiMM tl' piaaff . I* ft.VuHMm' JAiY'S OWN TAHJIS TO I^;.ST PUZZLE WEEK'S ? L U T S P £ A R c A R s E P V R S Z S L I U B 1 A R z It A â-  a Z s X B B â-  s C Z H T i P A s ?m A c K Z S 1 ? s I e » S I B Z L 1 S M 1 H z I B 1 s I s P I B l» 1 V â- Lc R A > t Z ^ B Z W Zl S 9 Z A L S better fried, but if you'll be patient a little longer I'll see what boiling does to It." Encores The fellow who starts out like a house afire usually ends up a smould- ering ruin. No battle ever looks aa hopeless as from the rear. Things don't seem half as expensive when you can charge them. The ability to save makes the difference between poverty and wealth. Adversity made our ancestors great, but the greatness developed in process of licking It. Time may be the "great healer," but it's certainly no great shakes aa a beauty specialist. NOT rPADfAT 78 She Feels Like 48 Aches and pains are not inevitable In old age. When they do come, there is always a cause for them â€" a cause that can be overcome. Here la a woman of "8:â€" "For the last five years I have taken Kruschen Salts and I tell you trtith- fuUy I could not live without them. I am '78 years old. I have not a italn in my body, and I feel as young aa I iSSUE No. 2â€"53 chen Salts. No one will believe my age."â€" (Mrs.) C. M. Most people grow old long before their time because they neglect one vital need of health â€" the need for internal cleanliness. Eventually they start the healthy Kruschen habit Then, probably tor the first timo In their lives, they start getting rid every day of all waste matter from the sys- tem. < Ajid almost Immediately they feel energetic and happy. In a word, they've got that famous "Kruschen Feeling." "In Thew Our Winter Day." In these our winter days Death's iron tongue is glib Numbing with fear all fish upon A fiery-hearted globe. An age once green is biiried. Numbered the hours of light; Blood-red across tha anew our sun Still trails his fatut reatraat Spring through death'a Iron guard S«r million \tMm aball vtrngt} tdn Oat 7a4 gtoapinr, tot offiet, wffW off th« aightaiai's avm. Bbraa, though sot oars, ahall «sa |l|4kJgh ft tiiul ikBa^ ni m r»ttin«« to fowtr ahov* A DVfU, %nt Iflt m Rai*. i â€" C. Day Mvifl, i» The 9v««t«Hr. Amusing Anecdotes Of Famous People Sir James Barrie has divulged the secret that during his schooldays In Dumfries, Scotland, he was writing his first novel. "It was a very cynical work," he says, entitled, 'A Child of Nature'â€" she was not really that kind. A long thingâ€" 100,000 words. A year or so aog I came upon the manuscript and, you will he relieved to hear, gently tore it up just in case it should fall into the wrong hands, you know." What a pity I • , ♦ » » Apropos Violet Hunt's recent book, "The Wife of Rosse*ti," EUen Terry tells an amusing story in her auto- biography "Ellen Terry's Memoirs." It involves Dante Gabriel Rossetti and his devotion to Mrs. "Janie" Morris (wife of William Morris), an English beauty with the spiritual, ethereal look which the Pre-Raphaelites loved. When anyone was the object of Ro&- getti's devotion, Ellen Terry says, there was no extravagant length to which he would not go in demonstrat- ing it. He bought a white bull because it had "eyes like Janie Morris," and tethered it on the lawn of his house in Chelsea. Soon there was no lawn left â€" only the bull! Rosaetti invited people to meet it, and heaped favors on it until it kicked everjrthing to pieces, when he reluctantly had to get rid of it. * • « • Flashes of wit aini wisdom from a lecture by John Galsworthy on "Six Great Novelists Seen in Profile": "The English novel, from 'Clarissa Har'owe' to 'Ulysses,' has allowed it- self a good deal of self-indulgence. It often goes to bed dnmk." "Anatole France's whip was the most effective ever wielded. His vic- tims still do not know they are dead. On the night of June il\ i.'OG, .-Vi- bert Payson Terhune â€" thp;- i. report- er on the old "New York Worid," ni..v famous for his dog ..torie- --â- â- as cov- ering the openiii'; of 'Mamzf..o Champagne,' a new inu<:,i.i 'omcly at Madison .Square Uooi lia.-den, â- â€¢â- ! New York. It was hi.* s:»>^ ;'Jck !.â- - a newspaper man) to be «;'.tin({ ;'.i- mo.5t next to Stanford Whir* v >i.-i he was shot by Harry K. Tha â-  "In one second," say.-? Fi(-^prick I- Collins (in "Glamorous Sin.ers" - ^ storj- ot the Thaw case.) "he -ealir.c i what had hapi>e«ed and ht- '.vas pra:'- tjcaily the oniy witness t > ir:- who-. affair. "The audience was in hi. jprou;. Terhune raced nut, looked r" -i a to't- phone, oouldn'*- find one .<r! rhe rorit garden floor, and cliastu â- iov.n tn.'. stairs to the floor below -.vbere -ii ordinary dance was in swav. Th'Ji3 was one telephone across the floo'-. It caught his eye and he r:sheu ovar to it, l:jiL.:king dancers right .ir.fi left Terhune is about si.\ feet and !>uMt like a coach's drea.in ui s. wi.'kle. "The bocth, of cour. i?. wr.' .icjupiOvi. Terhune stoo<l there for ',n- seooi.d and heard a nan, not a very large man, saying, 'Ye.'=, Ttssiv.' y\n '!'] years he has l>e€n unabic :o forget that her name was Tessiel, 'No, 'r("=- sie. Stop yo".r kidding, Tes?) .' • »»â- â- â-  "Terl.une p'ished the li.-*, • cl thu booth open and yelled 'm tht- man :r- siae, 'I am a newspaper r.ar.. Th.va has been a murder upstair^), an.l 1 want to get my p.iper rigti. iiv-.ay.' "Tho man slammed the d<«r in Toi- hune's face and went on talkir.g. " 'Tess-e, dear, there ii a roujiii newspaper man here who -vants :o get in, but I won't let him. Nothing's going to stop my talking :.^ my Te-"- sie.' "Nothing, perhaps, out Tt'hunt. » * .s . "Terl une pu.shed the door open, chucked Tessiu's iwy frier.U out, and called the 'World.' He began to te.l the story to the rewrite man when ha noticed the man he pushed out of tlia booth coming at him with a knife. Ho wa? a small man and it -vas a small knife. Terhune was a hunter, and used to big men and big knives. Ha kept trying to push the feiiow &w?.y while dictating. At this stage, he realized that '.he man with the knife was not attacking him, bu. trying to cut the telephone wire. But Terhune kept him away and finished the story. Next week he got a ten-do'lar bonu?, not a ten-dollar raise." "Animals do not know 'J.ijat ;t is to be superstitious," declares u clergy- man. But we have yet to hear of the mouse that will pass a white cat on the stairs on a Friday. did at 48. I give the credit to Kros-f They read him still and call hirn 'Maitre'." • • • • Still flashing: "The bird modernity has had a good run about the farmyard. Given the war, it was an inevitable goose. And am I wrong in feeling that tbe goose is being cooked?" "In these days our pereonalities are controlled by our glands. If we have too much pituitary we are artists; too much thyroid, moralist â€" or viie versa." Mr. Galsworthy's six novelists were Dickens, Conrad, Turgenieff, Tolstoy, Maupassant and Anatole France. » > ♦ • In Joim Drinkwater's ''Life' of Charles Jam** Fox â€" eminent states- man who Mpoustd the cause of the American colonists at the time of the Wax ot Independence â€" is an amusing story brfd about Lord North, British Prime Minister aitd Fox's politacai foa. An acquaintance, asking Korth "irtio that extremely plain woman waai," received the reply: "My wife, rtr.* • • • » With a desperate feint bis interro- fator explained itaA aha was by no Vuaiis tit* lady he meant, but the one on her right. "That, air," ccntinuad Korth, "i« my dau«htcr. and «• ara aaid to ba I ilirM ot Hi* ugHaet octy^te in l/mdtm." FREE Music Lessons bom** on th.» '.>i«trn- 41 JOUT t anit • your cholca With Guaranteed ResJits. Write for dataUa witbOTit obUfa- tlon, menttonliiir 7oar tarorlt* jMtnuncat. Whaley Royce A Co. L'r-ited >37 YOKOS 8T., TOBOHTO Insure Your Health Take regularly The Vitamir)-rick SCOTT'S EMULSION -j^, of Norwc^Mn /m Cod Liver Oil i (\^ To Build ResJstanw Easy to Digest TIRED AND IRRITABLE? Take Lydia E. PinJdiaz>i's V^etable Compound It ateadies the nerves and belpa to build you up. You will eat bet- tar .. . sicep better . . . look bet> tar. life will seem worth living â- Cain. Remember that 98 out of IM women *ay, "It belpa me.1 L«t It help r'W too. LiquM or tub- let torm, as you pKfet, X