Established 1899 THE on OF MM MIS. Father Raffeisen's Splendid Work for German Farmers. CO-OPERATION WAS THE BASIS. President Barrett, of the National Fanner's Union, Explains the Wonderful Value of this System. President Charles S. Barrett. Union City, Qa. Rural Credit Systems is now a very live question in the United States. In this connection, constant reference is made »■' the German System. It is theie fore, well for us to see what the German system is. In Germany, these co-opera tive institutions which supply cheap money to the farmers are variously known as People's Banks and Raffeisen Loan Banks —the last namod being better known. Originally they were not banks in tne proper sense of the word at all. It is worth our while to look back at their organization. Father Raffeisen, as he came to be known, was born in 1818, and his people intended him for a military career, Owing to defective eyesight, he had to abandon that and became bur gomaster in small and obscure villages in Western Germany. His district was almost exclusive ly a farming one, and his people were being eaten up by the usurers. The dreaful years of 1846,1847 and 1848 put this bur gomaster on his metal to see what he cou'd do lor his people. He tried a co-operative bakery, and made it work, He tried co operative cattle buying, and that. work. Both of these in a small way. Then he balked tne usurers, tie called his people together and laid his plans be fore them. One can imagine the people as he talked with them— dictating to Ileinrich that he should put in five dollars, and to Johann that toe ahouid put in seven dollars, and to Wilhelm that he should put in ton dollars, and their replies that they had no money, and his informing them that they could put it in a little bit at a time, as low as one mark (about twenty cents) per week, Naturally in his crowd there were would-be borrowers. He scraped together fifteen hundred dollars and start ed nis loan company. There were two underlying principles —one was the co-operation of the people, the other was that loans should be made only for productive purposes and for a sufficient length of time to en able the capital loaned, by use, to pay itself back. The people were very poor and - naturally the aemand for money was greater than the supply. This was met by borrowing, the en tire resources of every member of the society being liable for every dollar or the indebtedness. Tnii was co-operation with a vengeance, There was a com mittee of five appointed as man agers, and a committee of six appointed as supirvissrs, to over look the managers. Not a nickle was paid to anybody who served except the cashier, and he was not authorized to lend a nickle— all he could do was to carry out the orders of the man agers, We will suppose that Wilbelm wanted to buy a cow, as he had found that he had a little patch of ground which would enable him to keep another cow, and by having that cow he could make enough cheese to pay for the cost of the cow in a certain length of time. He would lay his case before the managers. They would con sider it, and if it seemed practi cal to them, they would loan Wilhelm the money on a suffi ciently long time for the profits of his additional cheese business to pay the loan. Interest rates were cut to the bone. The purpose of these in stitutions was not to make money but to help the people. Tht httle institution was successfu ]n a small way, and five yean later a second one was founded, a few years later yet a third jnd still a few years later t fourth. It years fOi the idea to get solid root, an then it grew like wild fire. To day there are thousands of thesi institutions in Germany, doing a business of over five hundre( million dollars per year, Father Raffeisen died at thi age seventy, the most lamentec Jan in Germany. His jdea ha done its work, and the usureri bad been eliminated. Bettei than that, the German farmeri tae develoyraent of their ovvi THE HICKORY DEMOCRAT resourses, were able to get all the money they needed for their business at 4 per cent interest. , After they bad been running for thirty years or more, the German government decided that they should become stock companies, but during all these earlier yeai s they were nothing more than partnerships. The banks met the demand of the I government by the issuing of shares to members of the society in very small denominations— the shares Pinning in value from djter o , and any buyer of a stara bring allowed to pay for it in very insignifi cant amounta, just a few cents [ weekly. ' The country system, inaugu > rated by Raffeison, was copied ' in the tow is by a man named ■ Schulz-Delussh, and the town ■ banks, operated for the beiefi ; of the working-men and the • middle classes, are known by r his name. i The vital principle in the • Raffeisen Banks is absolute co i operation, and during the fir3t • fifty years of. their existence i these banks did hot lose a single f nickle on the loans made. We i have not the data as to the • later years, but understand that they have been as well managed } as they were in the earlier days. In the various cammunities ■ served, the best men are proud > to serve as presidents, commit > teemen or supervisors, absolute ly without any compensation } whatever. If we have that sort of folks, -we can work out an equally s good system. If we have not that kind of folks, it is hardly worth while for us to waste ■ time on the system, j C, S. BARRETT. A Live Charlotte Firm. ' One of the finest stores in . Charlotte is that of Watt, Doxey I and Watt. They have carried a 5 lot of advertising with the Demo • crat this fall, and the Democrat 5 ' request* readers n* Vi?r t« g » I to Qnariotte witnout ca>iin£ at „ this store. A good many Eick -1 ory people jje to Charlotte daring > the Christmas holidays, and 1 they wittmiss something if they I fail to see the great holiday 1 offeiings of Watt, Doxey and i Watt. • The members of this firm are \ Newport News, Va., men origi r nally, and are making a hit with 1 the trade of that great section. 5 They are always prompt with their mail orders. Gunpowder Items. 1 Gunpouder, Dec. 10— Miss ■ Hester Williams and Mr. James > Link were united in holy wed - lock Sunday morning, at the T home of the bride's father, Mr. J J. G. Williams, the Rev. A. L. J Bolick performing the ceremony. " It was a quiet home wedding, r only a few of their relatives be r ing present We extend con • gratuiations. 1 Miss Bessie Killian, of Hick • i ory, spent part of last week vis ■ iting her cousins, the Misses t HenkeL Mrs. S. E. Link, who spent 1 most of the summer in Stanley } and Mecklenburg counties with 1 her children, has returned to 1 spend some time with her daugh -5 ter, Mrs. J. W. Sherrill. Mr. D. S. Henkle is off on a t a business trip for the Henkel » Craig Live Stock Co. i Mr. and Mrs. G. D. Corpening 1 spent Saturday night and Sun r day with the family of A. J. J Link at Hickory. > Several of our citizens ran • down a mad dog Thursday even -3 ing and killed him. He had bit s a large number of other dogs be fore he was overtaken, most of - which, if not all, have been kill -1 ed. Our school seems to be pro -3 grossing very nicely under the 8 management of Miss Minerva Bingham, of Watauga county. e The new preacher. Rev. Mr. Horn buckle, is expected at r » Rocky Mount next Sunday morn e ing at 11 o'clock to conduct his first service there, s Mr. John Turner and family '» have returned to North Carolina after spending two years away— -6 one in Washington and one in > r Alabama. Mrs. Turner's health d was very bad while they were >- in Alabama. She was operated '© on for gall stones while there, 2 and since has been slowly gain d ing in strength. Mr, and Mrs, James Sherrill e are the proud parents of a boun d cing baby. d ? Children Ory '■» FOR FLETCHER'S n; CASTOR IA - * HICKORY, N. C.. THURSDAY. DECtMBER 19, 1912 WICKERSHMI HAS PROTECTED TRUSTS A Startling Review of His Re cord in the Cabinet. A CORPORATION LAWYER. Now He Is Using His Office As At torney General to Save From Arrest John D. Archbold And Other Standard 09 Men. By Clyde H. Tavenner. Special Washington of the Democrat. Washington, Dec, 16—United States Attorney General Wick ersham has refused to allow warrants to be served on John D. Archbald and other officials of the Standard Oil Company , in the case in which the Magnolia Oil Company of Texas was indicted by a federal grand jury in Texas for criminal violation of the Sheman law. Once again, Mr. Wickersham is using the machinery of the great office of the Department of Justice to protect, instead of prosecute, the millionaire heads of illegal trusts. A hundred instances could be cited where Wickersham has, by means, of especially prepared opinions, orders and rules, given comfort to the great industrial trusts, private monopolies and special privileges. It was Wick ersham, the attorney general, who stopped important suits against the beef trust immediate ly upon taking office. It was Wickersham, the attorney gen eral, who rendered an opinion upholding Ballinger and vicious ly attacking Louis R. Glavis. who said it was legal for sugar trust interests to acquire by the ex ploitation process 55,000 acres of rich sugar lands of the Philip pines when the organic law of ; the islands expressly declares : that no corporation shall be al lowed to acquire more than 2,500 acres. It was Wicker sham, the attorney general, who sanctioned the Taft administra tion railroad regulation bill, lat er exposed and altered, contain ing a joker legalizing the South ern Pacific-Union Pacific merger, recently held unlawful by the Sopreme Court. It was Wicker sham the attorney general, whose suit against the steel trust is one in equity instead of a criminal prosecution. At the time of the appoint ment of Wickersham, it was -said his selection by Mr. Taft was in recognition of the de sires of the great industrial trusts of the country, who had contributed large sums to Mr. Taft's campaign fund, and who as a return favor desired that a sefo man be placed in charge of the government's pros ecuting machinery. Before his appointment as At torney General, Mr. Wickersham was a trust lawyer. For years and years he had been receiving huge fees from corporations for interpreting the laws, not from the viewpoint of the welfare of the people, but from the view point of the welfare of the trusts. Mr. Wickersham was a member of the law firm of Strong & Cawalader, Congress man Henry T. Rainey described this firm on the floor of the House of Representatives as fol lows: "The firm of Strong & Cad walader is one of those import ant New York City legal firms to which great corporations ap peal for aid when they propose to violate the laws of the land." The firm of Strong & Cadwal ader, at the time of Mr. Wicker : sham's appointment as attorney general, represented, among other great corporations, the sugar trusts, and one of the last things Mr. Wickersham did as a member of the firm of Strong f & Cadwalader, was to draw i down his portion of a sugar trust fee of something like $25,000. And one of the first things Mr. t Wichersham did as attorney gen ■ eral was to write, on June 27, \ 1909,t0 John S.Wise, U.S. District Attorney for the Southern Dis ' trict of New York, a letter re i vealing his strong interests in - three sugar trust officials then i in danger of the penitentiary, i This remarkable letter, the au i thenticityof which has never i been denied by the Attorney , General, reads in part as follows: "Dear Mr. Wise:—Senator Root has sent me the following 1 proof of a petition signed by . Bowers, Milburn and Guthrie, in support of their contention thai the statute of limitations has rur in favor of Messrs. Parsons. Kis sel and Harned. If the only ove-1 acts done to carry out the objeJ ■ of the unlawlul conspiracy were 4 yfcjlAtriiSiaiQMS?" . $ Y«« with the mufc '» pr(M Bidding bmpootoyeasst .jar kJi£ v™ that sift mA fr~ the Bet, your heart I have oo casual's artTfcft—g gj~ tiutr. Ihc Saht used s there a Saata CW H %» brc rt* tra* I had the* ** vMk ; Alhin! I Rhp mtumy j*m cum wmj «flag yea ever froa ham Haldiaf the dariuaaa aparttA ■ with wtap Asßynjaj vhvawydira lad? A?e, aad raa Bmv ft b ' ,y y'gfcj, n Stays ar.th iwiflfha whia B'SSS&FFE (gSttt fc. hSL'am YesJfwthc yaaat aad the all 1 " those refered to in the brief, I should think they were insuffi cient to save the bar of the statute. A strong effort will be made tomorrow to persuade the President to interfere in some > way to prevent the indfctments. Faithfully Geo. W. Wickersham. A.nd now Mr. Wickersham is i using his office as Attorney Gen i eral to save from arrest John D. 1 Archbold, H. C. Folger, Jr, and W. C. Teagle, officers of the Standard Oil Company. Under the Taft administration ' it has been imposible for the government to control the trusts, because the trusts controlled the 1 government At last it has been possible to elect a President without the financial support of the needs of illegal tariff trusts, and it is hop ed President Wilson will be able > to find a nan for attorney gen eral who will be so constructed temperamentally as to feel that millionaire sugar trust baronswho rob the government and violate the law orght to be sent to the penitentiery just like a poor man is sent to the penitentiary when he violate s the law. Treat for the County Home. Christnr as is about here again. As it has been my custom for a number of years, to treat the , inmates of the County Home, I am doing so again on Christmas > day. (One of the most cheer , ful and liberal helpers in this good work, the Hon. A. A. Shu ford. of Hickory, has passed over the river, and gone to his reward, since last Christmas. 1 Blessed be his precious memory. He never failed to help when he ; had a chance.) I wish to say j publicly, through all the county papers, to all who want to share with me in the pleasure of helping me to ' make up this treat, to please ' hand in, or mail to me your con ' tribution, before the 24th or by J noon that day. I want to buy ; and pack up the things, on the ' afternoon of that day, to be r ready for delivery the next day. lam quite Bure that there are lots of good folks in Catawba " County, who want to help in » this good work, of putting **sun c shine" into the lives of these ' helpless ones, one day in the " year, again. 1 "Whosoever shall give,- -- a 1 cup of cold water, only in the * name of a disciple, verily I saj ' unto you, he shall in no wise r loose his reward." [ M. A. Abernethy : Newton, N. C. r ■ CASTOR IA For anil ™ Tha Kind Yea Have Always BagM t »" y/tjj • i - T~ ' - SHIM OF TIE CORN cut WORN _i. Geo. West, Jr.. oi Kinston, Leads With 184 Bu. Yield; THREE GIRLS IN CONTEST Twenty Boys Get Free Trips to the National Corn Exposition—63s Boys Tried for the Prizes. Han Led in Our Dis* trict. Altbougb a large part of tha State expferletjced the most severe drouth ia many yeara, the reault of the Boys' Contest shows an increased average yield above 1911. Six hundred and thirty-five boys have made their report with a total yield 39,800 bushe is or an average yield of 62.5 bushels \er acre, in I9IJ 436 boys reported with an aver age yield «tf 60. 7 bushels. Th average cost in 1912 was 47c, while ia 191 i it was 45c. Tbis increase cost is due largely to the severe drouth in the Piedmont section, which reouced the yield and thereby increased the cost per bvshel. . Two boys made above 175 bnshels, five above 150, twenty-one a ove 125 ' and seventy-five above 100. T e largest yield was made by Richard I rock, in Wayne County, but his coat o produe-1 tion was so large that the chac pionship i of the State goes to Geo Wes , Jr. of' Kinston, with a yield of 184 b shels. The two boys making the be t record | in each diatnet, twenty in all, vin free i trips to the National Corn E. position, j These trips are given by the kmthern ' I Fertilizer Association of Atla ta, Qa. Many counties will also send boys to this Exposition. I One girl, Miss Ethel Smith of Stan ly county, competed with the boys and won third prize in her district. There was two other girls in the con : test in the State, but their yie .ds were r uot large enough to win district prizes. | The work is iu charge of I. G Schaub, | of the United States Depart lent of \ Agriculture and A. AM. College, assist- J ed by A. K. Robertson, of tae State , Department ot Agriculture. The details for'the Bth and 9th dis tricts are aa follows: Eighth District, counties of Surry, , Alleghaney, Wilkes, Alexander, Ashe, Watauga, Caldwell, Burke, h cDowelh Mitchell; Yancey and Avery. [ First prize; Arthur Fox, Dealsville, k 97.6 bu. cost 11.5 c perbu. Second; Fred Morris, Nealav lle, 87.9 L bu. cost 20. Ac per bu. , Third; Chas. Hensly, Marion 95.1 bu. co9t 24c per bu. > Fourth; J. J. Clark, Morganton, 106.5 bu. cost 32. ic per bu. I Fifth; Rom Houk, Marion, 104 bu. » cost 33.4 c per bu. \ Sixtb;Joaeph t. Greenlee, Old Fort, . 103.2 bu. cost 34.5 c per bu. > Seventh; J. Y. Yancey, Marion. 109.7 . bu cost 46.5 c per bu. | Ninth District, Counties of Yadkin, I Davie, Rowan, Iredell, Catau ba, Lin > coin, Gaaton, Cleveland. Rutherford j and Polk. » First prize; Dudley Hall, Salisbury, I 128.9 bu. cost 18c per bu. L Second; Edgar H. Bell, Hamptonville, 107.2 bu. cost 16c per bu. : Third; Bent Kanipe, EUenboro, ila.7 bu. cost 18.4 c per bu. »"••»*■ Fourth; Wm. Myres, Hickc y, 99.7 cost 21c per bu. Fifth; Wm. Crees, Salisbury, 78 bu. 1 cost 20.9 c per bu. : Sixth; Dewey Kiser, Beaaemer, 83.2 bu. cost 27.5 c per bu. 1 Seventh; Sol Cross, Marler, 62 bu. | cost 23.4 C per bu. | Holy Trinity Lutheran Ch jrch. ! Rev, J. H. Wannemacher, Pastor. . Sunday School —9;45, a. n>. . Chief service—ll a. m, s Evening service—7 p. m. Christmas services-Chi istma s 1 Day, Christmas mornirg at 6 » o'clock there will be special i Christmas services, Ch istmas ) night the Sunday Sch ol wHI J celebrate Christmas accor ling to - their accustomed manmr. No 7 description of these servi es are r neccessary. The people' f Hick i ory know the kind of 1 ervices usually rendered by the school. • This year's program, however a promises to excel all form -r ones. 1 To all these services a cordial 1 invitation is extended. Oo not - miss the 6 o'clock services. It b will help you to make the day a a most joyful and blessed o ie, a California] Woman Seriously y „ Alarmed. e "A short time ago I contracted a severe cold which settled on my lungs and caused me a great deal of annoy ance. I would have bad coughing spells and my lungs were so sore and inflamed I began to be seriously al armed, A friend recommended Chamberlain's Cough Remedy, saying she had used it for years. I bought a bottle and it releived my cough the I first night, and in a week I was rid of „ the cold and soreness of my lungs, M . writes Misa Marie Gerber 1 , Sawtelle, ■ Tor py 1# inlm. t >» ' :i'j't r ' /"I'i |f| y : Lii^|''i # J-y f' 1 r «g 1 -{ft 11 ' 1 ." j lf v ,r> Democrat and Press, Consolidated i 906 COMMENT > We call attention to the appeal of Rev. M. A. Abernetby of Newton, in behalf of the annua! Christmas treat he Rets np for the people at the County Home | every year. It you wish to cheer ' these unfortunates, and will send your gift to the Democrat office, we witllsee that it gets into Mr. Abernethy's hands. '■ -*• 1 ■ ■"" r a f 1 ®I®- 1 ®- The death of t& Tittle boy in I Greenville, who was run over and killed by an automobile f ullof peo ple who did not stop to see what havoc they had played, reminds us that the speed laws are being violated every day and night in ; the heart of town by automobiles and motorcycles. Slow up there, : partner. We say it as your i friend, and not as your enemy. ;i . ~ A RARE CHRISTMAS CHANCE The little Babe whom the Wise j Men and the shepherds worshipped on • the first Christmas day, when He grew i up, taught that "it is more blessed to j I give than to recieve.'' He was a royal j • giver—He gave even His life a ransom j j for many. Christmas, if truly observed, is not a j | time of expecting and receiving, but •of giving—serving, of making other? happy. We know a chance whereby you may give health, yes even life, tc . one of God's suffering ones. John j Morrison used to be a night watchman j at the Piedmont Foundry & Machine [ Co. He has also performed similar * service at other places in the city Some years ago he was afflicted with severe rheumatism of the inflamatory type. He grew worse. He is now at the home of Mr. Stallings several miles South of *he city., Dr. K. A. Price is attending him, and several weeks ago carried the- editor of the Democrat out to see the man. He was drawn downward. He could not lift his hands up. On his knees were two enormous knots. He was indeed a pitiful looking sight. "Why did you carry us out to see this man?" we asked Dr. Price. "Because," he said, "there has been discovered a new serum which is de clared to be efficient for curing in flamatory rheumatism* It is very new. It has not been fully tested yet. lam going to try it with this case. It is given hypodermically. and at first nauseates. But much is expected of it by medical science. Friends Of Mr. Morrison have raised some money |to purchase this highly expensive preparation. I wanted you to see the man, and note results." A week later Dr, Price reported that Mr, Morrison was able to raise his hands above his head. He has been slowly but steadily mending. Now the serum has all gone, It , will take S2O worth more to complete a satisfactory test. Will you, amid the laughter of gleeful children, who ire being told the story of the guiding Star, be wil ling to contribute a little from the loose coin in your pocket, so as to give lean and withered John Morrison, a Christmas gift of health and life. It is a rare Christmas opportunity. - If so the Democrat will act as Santa Clause to deliver the gift. You can bring it or mail it. A household remedy in America for 25 years —Dr. Thomas' Eclectic OiL For cuts, sprains, burns, scalds, bruis es. 25c and 50c. At all drug stores. SEE our line of Rocking Chairs whan looking for xmas gifts. 1 J. C. Martin. [ Presbyterian Church Notes. The pastor will preach to the children and young people on r on next Sunday morning. Regu lar service at night. The Christmas exercises will be observed at 5:30 o'clock Tues day evening. " Christmas exercises will be [ held at West Hickory on Christ mas day. j The Missionary Baseball con test will be given at 8 o'clock 1 tomorrow night in the Sunday „ School room. Children Cry FOR FLETCHER'S •' CASTOR IA - «■» iiei nu, puis 12 BALES DAILY 11 1 . 1 1 1 Output Being Shipped as Fast as it is Bided. -: REAL ESTATE TRANSACTIONS * D A. Isenhour Buys Lot From Mr. Ivey—Mr. Hayes Bays Lot in Long View— Getting Ready for Christmas Wert Hickory, Dec, 16-Ckristinas will soon be here and the people s »«eta 10 be preparing to enjoy Christmas. Alt tike Sunday e( -We* niCKorjr «c ***• preparing to bare a treat and Christ mas trees. Dillon Wilson, wife and Miss Annie Johnson who had been working at Alta Vista, Va , for some time came back to West Hickory last week • and are now working in the Ivey Mill. Mr. Lail and family from Shelby moved here one day last week into the house that he bought from Mr. Z. H. Pierce, and Mr. Pierce and family moved into a house near the traded School. Ross Triplet sold his house and lot one day last week to Mr. G. F. Ivey, the consideration being S4OO Walter Killian rroved here from Gastonia a few days ago. He bought j a house and lot from W. C. Boggs, j Mr. Hayes, of Granite, bought a t bouse and lot fro in S. D. Campbell in ! Long View, and he Intends to move j rtere in a few reeks. Mrs. M. A. Raby, from Mt. Holly ] was here last Satui day and Sunday, I visiting lhe families of Mrs. Etta Raby md Asa Hoover. Mr. J. W. Bailee, D. S., was in • vVest Hickory one -ay last week on iegal business. | The Ivey Mill Co. seem to be doing 1 finely now. They are putting up fiom j 10 to 12 bales of cloth daily, besides I several bales of yarn and the goods are alt 1 being shipped out as fast as they are baled. D. W. Isenhour, one of the em ployes at the Ivey Mill, bought a va cant lot from Supt. G. W. Ivey,' last week, and is having a dwelling house built on the lot. W. A. Shook is furn ishing the material and doing the | work. IOTA 3n Social Circle* - The Round Dozen Book Club, with just a round dozen in at tendance, met Dec 11th. at the home of - Mrs. Worth Elliott Owing to sudden illness of the hostess she could not be present. Mrs, Frank Henderson ushered the members in, and the usual program was given. Many quo tations from the books were given at roll call and in the dis cussion which followed; Mrs. Murphy gave a little review of her book, 'The Promised Land" and read a most interesting personal letter from the author, Mary Autin. Mrs. Geitner gave for Mrs. EUiott some infor mation concerning her book, 'The Court of St Simon." After discussion of current news the club adjourned to meet Jan. Bth. with Mrs. Heury Elliott. An elaborate supper was served in the dining room, the large turkey in the center of the table, filled with grapes and oranges, and the little brown roast turkey and place cards decorated with turkeys were delightfully sug gestive of Thanksgiving as well .as Christmas.' Mrs, Super of Baltimore shared in the pleasures of the meeting. Many were the regrets at the illness of the hostess, and Mrs, Hender son was commissioned to express these with the hope that she will be at the next meeting. Mrs. Joe Abernetby enter tained the Embroidery Club Dec. 12th, thirteen members present, and Mrs. J. F. Abernetby a visitor. Every one was busy fashioning articles useful or otherwise for Christmas presents. Mrs. L, R. Whitener read one of Ellis Parker Butler's inimitable stories, "Mrs. Casey's Dollar." A dainty and appetizing lunch eon was served and the club ad journed to meet Jan. 9th, with Mrs. Ernest Herman. Dec 12 the last meeting of the Traveller's Club for 1912 was hold with Miss Geitner ;at Bthe home of her brother, EC. H. Geitner. After quotations on "Friendship" a paper prepared by Mrs. Aull on Old Brathay and Elleray" was read by Mrs. Garth. Mrs. Patrick gave a very interesting account of three "Friends Sof the Lake Poets (North, Loyd and Cottle)". MissSchenk read Wordswcfrth's poem "The Skylark." Refresh ments were served with souvenir cards of places in Europe. The next meeting is Jan 2 with Mrs* Gwaitaey, ft v-

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