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h Bank of Montreal's Strong Position ' At the annual meeting ot the Bank of Montreal, held at the Head Office on December 2, a large and representative gatliering ot £''jareholderg expressed their unanimous approval of the state- ment and report of the directors for the fiscal year ending October 31. The balance s^eet showed that the total assets amounted to $792,- 800,000. compared with $759,100,- 000 a year ago. Profits, alter deducting Domi- nion and Provincial Government taxes, amounted to $3,005,212 as compared with $3,204,.369 in 1934 â€" a decrease of $119,000, over halt of which is due to the increase in Dominion and Provincial taxes. Sir Charles Gordon, president, in his address, said he was sorry in- terest on bank deposits was cut from three to two per cent. This, Ihe said, was rendered necessary by the pressure of the Government and the Central Bank for lower rates on Government loans. "These low rates." he exp'ained, "have resulted in a drastic cutting down on tiie earnings ot the chartered banks, which have been forced to reduce their rates to depositors. Based on the re- sults ot the Bank of Montreal, it means that the depositors in all Canadian banks are receiving some $17,000,000 less per annum than they did when the rate was 3%. In a sense this reduction may be re- garded as a form ot concealed taxation. I think that the sooner the public is educated to these facts, the better. Every man and woman siiould realize that no mat. ter whether taxes are paid direct. ly or not, no citizen escapes pay- ing his share ot the cost ot gov. ernment.'' General Manager's Addreti Mr. Jackson Dodds. joint general manager, in explaining the various Items in the Bank's statement, re- ferred to the failure of the lower. Ing of t'he interest structure of the country to stimulate borrowing o£ money for productive and construc- tive purposes, remarking: ''Lend, era naturally shortened the terms of their coramiiments. They would not risk long term investments at low rates in the face of experi. ments of one kind and another, whether monetary, economic or so- cialistic. Until confidence is inspir- ed by the adoption and carrying out of sound policies, the balancing of budgets by effecting economies and by the reduction of taxes, long term investments will be postpon. ed and business recovery retarded. "Taxation," he proceeded, "is primarily intended to cover state and municipal essential expendi- tures. That we have drifted a long way from the original intention is becoming more and more apparent. The burden of taxation imposed by our numerous governing bodies has grown to the point where it con. sumes cairttal resources, saps ener. gy and enterprise, discourages In. dustry, production and construe, tion, and thereby increases unem- ployment. Taxing bodies are begin- ning to realize that, unless taxes are reduced by effecting economies in public expenditures, the source of taxation will ultimately be dried up." SCOUTING Here ' There Everywhere A brother to every other Scout, without regard to race or creed Hiring Fairs in Wales Making Of New Work Con- tracts Accompanied By Festivities ^ The last three weeks in Novem- *â-  fcer are notable in Wales. During these weeks the annual "hiring fairs'' * «re held, and farm and other em- V ployes start on a new year. The mountain villages of Wales celebrate the coming of the hiring fairs with the "Parting of the Ways" festival â- * to mark the actual end of the yearly , contract between the farmer and his , hireti hands and servants. t The occasion is similar to Hallow- * e'en in the United States before in ♦ tome sections it became an excuse » for hooliganism. Every one at the â- ^ Welsh celebrations runs wild. Prac- 1. tical jokes are played, along wit'i ^ grames such as ducking for apple.?. ^ Boys and girls niasqucrade, and play tricks upon the oldsters sitting •round peat fires. * The hiring fair is itself serious. * For example, in the resort and uni- > Tersity town of Aberystwyth farm- j^ ers and young men and women ser- ^ vants come in for the fair and as- semble under the Town Clock. Dur- ing the morning they occupy them- * eelves profitably by comparing notes * with their friends on previous jobs. Meantime, the employers trade in- formation in the same way. It is considered an honor to be h\T'•^ crrly in the day. As soon as a l-r';,"'n is struck, the servant in- vo'vl loaves the Town Clock, sig- nifying that he no longer is on the market. The contract between farm- V and hired hand is considered Mnding as soon as the "em" (a mall amount of money) has chang- ed hands. Wages are partly based on the barter system. The hired hand •grees to accept a pig or other â- tock, or a patch of land to tend, i<i 'a part of his wage. -The next World Boy Scout Jam- boree, it has been announced oflicial- ly, will be held in Holland, in the summer of 1937. The formal invita- tion was received at the Internation- al Bureau, London, from His Excel- lency, Admiral J. J. Rambonnet. Chief Scout for Holland, along with assurance ot t-he support ot the Dutch Government. To the announcement Imperial Scout Headquarters adds an Invitatiion to British Empire conting- ents to visit the Home Land on the way to or from the Netherlands . • • • An Interesting series ot tableaux depicting high lights in the life of a Wolf Cub and a Boy Scout were a feature of t'he programme put on by the 99th Toj-onto (Danforth Baptist) Scout Group for the benefit of a large gathering for their sixth annual Par- ent's Night. Interesting displays in- cluded miniature models of the troop's summer camp, constructed by the various patrols. • • • A memorial plaque to the unknown Boy Scout whose good turn in Eng- land to the late William D. Boyce, Chicago publisher, brought Scouting to the United States, was dedicated on the State House lawn at Colum- bus, Ohio, as part of the 21st birth- day celebration of tie Boy Scouts of America. The ceremony included an address by Governor Davey. The in- scription on the tablet reads; "Dedi- vated to the Unknown Boy Scout, 1910-1935. in England, Wliose Good Turn Brought Scouting to Millions of American Boys. Sponsored by Central Some Folks Miss Christmas Union Area, Boy Scouts of America." • • • "In these times I do not think there is any other movement tJiat greater possibilities for good than the Boy Scout Movement." â€" sir Francis Ploud, British Hij^h Commissioner to Canada. • • • That the Rover (senior Scout) branch is rapidly growing in Toronto is indicated by a list of new cre#8 recently formed in the district. Most of them are connected with churches The list: 5th Toronto Rovers, River- dale Presbyterian; 30th. St. Colum- lia United; 4Gth. Hume wood School; 112th, St. Barnabas' Anglican; 119th, Church of the Messiaii, and 124th, Eaton Memorial Church. Christmas, it has been said, is al- most as much a thing of the hearth as of the heart, and it is quite true that the Yuletide festival is essen- tially one to be observed in the fire- light and laughter of the home. A Christmas which lacks the joy of the family gathering, the customary pleasures of the heavily laden table, the jolly games that are indulged in by old and young alike, can scarcely be called a Christmas at all. .A.nd yet there are hundreds and perhaps thousands of men (and to a smaller extent, women) who have to forego the real Christmas of hearth and home, for the sole reason that the ordinary machinery of workaday life cannot be closed down entirely, no matter how insistent the call of the gaily decorated homes, and the plea- sures of the firelight and the festive board. "HoIivDavs"a« here again - choose the "BetterTimes Gijr OGDEN'S FINE CUT A party of Scouts, rut)s and lead- ers ot Dalhousie, N.B., paid a visit to Campbellton. to make the acquaint- • ance ot members of the four new lo- cal troops. The visitors put on a num- ber ot demonstrations. They Look a Lot Better (rroim the Peterborough Examiner) â- 'But don't you think they look a ilot better?" That was tije answer of one ex- hibitor at the horse show In Toronto When he was discussing the matter of "setting"' or "arohing' the tails ot •how horses. By this process the tail latande up for about five or six inches, 'a thing which by nature it was never tatended to do. This arching Is aotileved by cutting the tendons on the under side and inserting a busll;-'. For something like 20 days the tail ot the horse has to be kept exactly the same position, and there are times when the first operation does not give tihe desired arch. Then it has to be done over again. There is injury done to the tail of the ho;se by cutting the tendons. Even after healing has taken place the tail be- comes flabby, and the strength ana vigor which should be there to bittl - against flies and such is not present, nor can it be restored. For 15 years or more the custom has been growing in United States but it has been slow to make Us ap- pearance in Canadian stables. Our people do not approve of it; they say plainly it Is a cruel thing to do to a But there is the answer to all j mxi: DREAMY LOOK the argument ; "But don't you think } jj^ ^^j ^ f^^_^g j^^^ ;„ j^j^ ^^.^ they look a lot better?" Yeu. there ^^^ ^ really conscious airâ€" A lover are men who are certain they can al- j ^r poet, you might surmise, with ways improve on what Naftre has j ^hat very curious stare. But, as he done. There are men who might look passed the conductor by, he relin- a good deal better it certain opera- j (,ujshed that look of care. He was tions were performed on them. Some j merely trying to seem as if he'd al- ot them bulge much in the mid lie and ! rpajy pajj j^jg faj^. probably they would look better it • » » they were placed in a slicing machine and a goodly portion of their protrud- ing waistline were cut off. It would hurt, but "they would look a lot Tlie raiiway companies, for ex- ample, have to run trains through the night of Christmas Eve, so that exiles may reach their homes and the millions of worded greetings and Yuletide gifts may reach their des- tinations "on Christmas Day in the morning." In the ordinary way this would mean that many conductors, drivers and firemen would be away • • • I from their homes when their trains A record, attendance of nearly 200 j had arrived at the distant terminals. Scouters, reports showing 47 active | Scout Groups, presentation of awards and tropiy, and an address by Sir | Francis Floud. K.C.B.. British High Commissioner to Canada, marked the annual meeting ot the Ottawa Dis- trict Association. A popular award was the presentation ot a Medal of Merit to Rev. Fr. Hebert, in recog- nition of the Important part played by him in the development of Scout- ing amongst French-Canadian boys in the Capital district. The heaviest tasks of their whole year however fall upon shoulders of the postmen at Christmas. In large towns it is possible for the post- office to enjoy at least a fair share of the Christmas mirth but in coun- try districts many postmen have a long round. Then there is also the telephone service to be maintained so that a good proportion of the op- erators have to be on the job while the more fortunate people are mer- i ry making to their heart's content. better.' FARMS FOR SALE IV OHTABIO Some good propeitlr's ;it f;Ui- priocs, part cash and e-xtenUed terms on the balance at 4'o Interest. State your requirements and wiite for details to: comnsBiONEK or AaBICT7I>TVBAXi I.OANS ParUaaieat Bldffl. - Toronto iMue No. 50 â€" '35 May Defeat Rust -•Vpex, Thatcher, and one variety known only by the number 716. These names may mean little to Canadians, but they will mean a great deal to Western Canada be- cause they are varieties of wheat v.hlch will resist rust. Rust took 100,- 000,000 bushels off the yield in Can- ada in 1935. One westerner informed us within recent weeks that for the lirst time since 192S it looked as though lie was going to have a crop I Ills year. Then came the rust and he liad virtually nothing. He saw the black spots come on the stems ot his grain, watched them grow and do- velop and sap the strength so the head tell over and failed to fill out. Apex wheat was sown in Southern Saskatchewan this year in a district where rust was bad, and it showed h yield ot 24.2 bushels per acre, and the straw was bright and clean. Mar- quis wheat grown in the same area yielded only seven bus'liels to the acre. Finding a wheat which will re- sist rust is a better plan than trying to do away with rust, because we doubt It that ever will be accomplish- ed. It is agreed by scientists thai rust breeds on the barberry bush and the eiadication oC barberry would be a large order. It Apex wheat does what id claim- ed for it, then it would make uu add- ed yield iu a bad rust year equiva- lent to the product ot 4.000,000 more acres ot land. Better still it would give the farmers ot the West a sense ot security whicJt they do not possess BOW. Up to the present all the farm- er could do when his fields were at. tacked by rust was to watch tho pro- sresa ot his own defeat. â€" Peterbor. ough Examiner. I Waffles â€" Doctor Pilling, I under- ' stand, is very wealthy. How can a doctor make so much? Syrup â€" Doctor Pilling is very luckv. He is the owner of a big oil well. Waffles â€" Ah, I see. He makes money from the sick and the well, too. • * • A local sheik thoughtlessly gave his sweetie a German Police Dog for a Christmas gift and the dog won'i let him go near her house, much less do any necking. • * • Mr. and Mrs. Thomas were re- turning home one moonlight night after a strenuous day's shopping. Wife â€" Oh, John, what a lovely moon! Hubby (absent - mindedly) â€" Yes. how much is it? • * • We heard a man say he's got over believing in arguing because he never won anyway, Most Valuable Feed Element In small towns and villages, it scarcely affects anybody else if some of the inhabitants desire to pay vis- its to friends. In towns, however. This movement of people necessitates a transport service, and so, for at least six hours, many streetcar men and taxi drivers have to make hap- pini'ss for themselves at the wheel or inside their vehicles. In restaurants and cafes' some of which have to be open as usual at TORONTO. â€" In a lecture deliver- Christmas, there are waiters anil ed recently before the Ontario Milk waitresses and members of the kit- and Cream Produaers in convention ' chen staff at work providing for the here. Doctor Gordon Bates, general j people who either have no homes or director of the Health League of Ca- ] who, for some reason are away from nada, speaking on "Means To En- ; them for Christmas Day. "Means to Ensure Safety of Milk" Presented by Doctor Gordon Bates â€" Stresses Pasteurization sure Safety of Milk As A Food"', Doctor Bates cited these facts; One quart of milk, costing ap- proximately 12c a quart is equal in food value to one pound of steak, av- erage cost of 22c; two egg.s. average cost 33 cents; 3% pounds of codfish, average cost forty cents; two and a .\t the hospitals and especially in the children's wards, nurses are bus- ier tiian at any other time for the patients must be more than usually well cared for in view of the fact that they are compelled to spend Christmas in a hospital ward instead of a more familiar living-room at Feet On Desk Good For Brsun Increases Flow of Food â€" Erect Posture Produces _ "Perpetual Cerebral .â- \iKieniia • « • -So Jefferson made for- Very seldom ^oes temptation over- take • man who is runhiifig a^y from it. "HI-STEP TONIC TABLETS" WUi h«lp >ou enjoy and obtain food htalth. Mall lOo for generous trial packet iplua Bo postage); sJc for BIr Val'ue Hox (mailed free). OSBBO mBMBOT CO. â- 9 Tork Str«*t â€" Toro a^ Relax tune? Reflex â€" Yes. He invented a choco- late bon bon with a lettuce center for women on a diet. • * * Mrs. Spendmore â€" I had men run- ning after me long before I married you. Husbandâ€" Yes, and they would be running after you now if I didn't pay your bills. « * * The baby that cries in the theatre should be named "Good Idea", be- cause good ideas should be carried out. • • • Buyerâ€" I sent my little boy for two pounds of candy and â-  you sent only a pound and a half. Retailer â€" My scales are correct madam. Let's weigh the boy! « • • The man who used to take his sweetheart a dozen orchids, now lugs home to her two chocolate eclairs. • • • Callerâ€" Is Mrs. Roddybush in? dRrt â€" If you're one ot the ladies that's going to play bridge with h«r sbe'i at home. If yia iin't she ain't. • • • The best "Maiden Si>i?ech'' we ever listened to was this:" You'll have to ask my papa." • • • Moe â€" That person who tells us our faults is our best friend. Imb â€" You're right. But he won't b* long. half pounds of chicken, average cost their own homes. Quite a number of fifty cents. I people go to bed on Christmas Eve Continuing Doctor Bates pointed | without knowing how circumstances out that milk contains vitamin A. I may compel them to employ the the vitamin promoting health and nutrition; vitamin B, protecting the human body against beriberi; vita- min C. which protects the body against scurvy and occurs in milk in a moderate and variable amount, making it necessary to supplement children's diet by average juice or tomato juice. Vitamin D, which protects the child's body against rickets. Vitamin E, the reproductive vita- min, is present only in small quan- tities. "Milk is a food we cannot do with- out: it is a food we must have, this most valuable article of diet with its various "contaminations has been re- sponsible for more sickness and death than all other foods combin- ed," said the doctor in making a plea for universal pasteurizing of milk throughout Canada." "The indictment against carelessly handled and unpasteurized milk is terrific," observed Doctor Bates. In a study of 300 tuberculous children in Toronto it had been found that 15 percent of the extra-puliiionary type of tuberculosis (e.g. bone joint waking hours on the following day. Doctors, for instance, may have to spend the whole day away from their families, if the state of their pat- ients is such as to make this nec- essarv. teurizatioii absolutely prevented tub- erculosis of this nature and in ad- dition prevents all milk-borne epi- demics. "The prevention of these conditions alone would save many lives, num- erous cripples ami much money for the taxpayer each year,'' said Doc- tor Bates. "Those that object to pasteuriza- tion .ire without the scientific in- formation on the subject, and mere- ly take the stand that pasteuriza- tion alters the natural condition of the milk, which, of course, is not correct. Take for instance, the experience in the City of Toronto, said the doc- tor. "Since inauguration of pasteur- ization of milk by the Corporation of the City of Toronto, nt a single case from within its borders ot ab- dominal tuberculosis had entered the lymph nodes, kidney and skin) was j Hospital For Sick Children, and last due to the bovine type of tubercle I year the Hospital gave treatment to bacilles. All the cases of infection, more than 100,000 children, with the bovine type had used raw | "It has been said, with reserva- milk and came from points outside! tion th.nt "the intelligence of a corn- Toronto. All milk distributed In To- munity is gauged bv its infant mor HAMILTON, X.V. â€" Justification for the man who likes to work with i:is feet on his desk was suggested recently in experiments at Colgate University showing that feet higher tiian the head posture speeds mental work. He may be taking an easy way to get more blood to his brain. A few months ago Dr. Donald A. Laird, Colgate's professor of psycho- logy, found that office workers slow- ed down mentally after a heavy /unch more than after a light one. He suspected that the explanation might be that the digestive process was drawing blood from the brain. TEST PROVES CONTEXTIG.N To test this, he had six young men ilo mental arithmetic while lying on ojts. alternatively tilted so that their lieads were a foot lower than their ftet and a foot higher. They made 100 successive mental additions in each position. With hc^ds low, and ear flushing showing more blood to the head, they we.e T.l per cent faster and 11.1 per cent more accurate. "The erect position of human be- ings," said Dr. Laird "apparently ffives them a moderate but perpet- ual handicap of cerebral anaemia, :i handicap which may probably bo ac- centuated by unwise eating when mental work is to be done." Dr. Laird suggested that Rudin'.; statue of the Thinker, with bowed liead, might be a natural gesture of escape from this handicap. "SomQ^^M^fte implications," he ho expIaineoWlw profoun<i. The super- ior size and structure of the human brain may be an evolutionary over- I'ompensation to make up for this slowing and the inaccuracy the up- right position brought in its wake. "Sleep itself may bo more import- ant for man than for the higher r.n- imals because the horizontal posi- tion permits an increased blood flow through the brain." Classified Advertising IMVENTOKS: ronto is pasteurized." Doctor Bates quoted Doctor Alan Brown, Physician-in-Chief to the Hospital for Sick Children as stat- ing that during the past 20 years ev- ery drop of milk given to in-patients and out patients in that liospita! had not only been pastteurized but inaddition boiled to still further im- prove its digestibility .Doctor Brown had also stated that pf^oteuriz.'ttion did not change the natural condition of the milk. "The evidence is incontestable. where careful studies have been made." Doctor Bates quoted Doctor Brown as saying "that from l.S to 20 percent of bone, gland and abdomin- al tuberculosis in children is of bo- vine origin and that scientific pas- FOUR DOLLARS brings you a Ueiiilngton Portable. Transportation paiil, balance Ov«r a year, Standard keyboaril, shift keys, fun length cylinder, cMe; touch typing Instructor Included, writ* for DftrKnln ctitalogue. Mall Mall Order Division, Reijilngton Iland Ltd., Toroi Kl tality." 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Uet In touch with u.><. Writ â€" Wire â€" or Telephone LYudUnrot 11-13 TKE UNITED FAHMEBS CO.OPSBATXVE COaXFAJTY, LIMITED I.IVK .-.;Tih'K .â- ( 'M M l.-i.<h '\ IM'^I'T. Union Stock YBrds. West Toronto SCRAMBLED SENTENCE CONTEST The Most Unique Profit-Sharing Contett In History There are Ave classic Sentence!! in the followinpr gronp of words, find th«»« five sentences, then write them correctly, mui legibly. "It 1» of no consciuenco â€" mo.st bad luck Is In â€" without asking: iiiiestlon."« â€" not in fear â€" that a man Is talented â€" It Is the highest complimentâ€" In faith â€" We think our education complete â€" The origin of â€" to believe In your friend â€" we are never â€" lack of preparation â€" so Ignorant as when â€" If b« U lazy â€" strength Is bornâ€"" Send youi> result In on or before December 20th, 1933, with an entry fee or Tncnty-Klve Cents, no stamps. 10 per cent, will be shared between those who Bond In two crror.s, 15 per cent, with one error, -Jo per cent. fOP a correct list. All entrants win receive the rcs;ilts. The more entries rj««lved. the more TROFIT TO SII,\RK GIFF BAKER, 39 LEE AVE., TORONTO