m:m 1 he French Have Their Own " Andre Franco ki her- own Henry Ford" but. where ba wanted them he told me the rest, name is Aadro Citroen. Lik. the J " The only jUnreiean ear which cwn faruoos Detroit citizen, Citron started jictes with mine in France is the Ford, life as a -mechanic, burned th midnight he said. ' f ' Yes. perhaps, there are one oil studying lis books while the other ! or two Tery. very small other competitors, fellows held down marble-topped tables W Ford is the onl yserious rival I have. t the cafe-conrert, astonished the local j He sells his ears here for 13,000 francs, bank manager with th amount of his jMy ear wns put on the market at 20.00.1 savings ami dreamed ahmit atan.Inrdhs.i- i f nvics. hut I am reducing the price by - turn.' ' Today everybody in France knows His--ars .provide the rreueh i Lit .i.i .u.ut !. .... ..... - the witthims of the Lnew ami Keith eir- ruita. The 'Marie en fer blanc." or J K r 1 :l ,oaa Tin'Murv as the Taria boulevardiers . "A.-. Ford cuincs to r rimce. I snail K lM christened th- Citroen car. is cu-sed and driven just as hard as the more ven- raWo V'Tin Llwie." , -. . Works in His Shirt Sleeves, ' Now 'America, which, aeeordiK to all report, is aatiated with Tin Lizzie' ...... . . . jokes, will soon have an opportunity to rake new crop at the expense of "Tin -; Mary. ' Fnr 'T!n Marv" s iroinir to - - V " America I ' . . jfc. A newspaper representative went to aee"iC. Citroen to make sure about it. . He found him at work in his shirt sleeves anluading CStroens on oue of the ouais on . th Seine river bank; for although he em ploys 12,000 men, he's still a mechanic, a stevedore, bookkeeper or a salesman ia turn when he isn't advising the gOT ernment, designing a carbureter or writ ing aa article for the Freneh magasines. He's very much like Henry of Detroit that way and he's proud of it, for Henry Ford sad Marshal Foeh are his ideals, in spit'of the fact that in some ways they don't mix. i ; ; Highly Esteems Mr. Ford. 'I think Mr. Ford is a mobt wou kr fnl matt," Citroen tells pretty nearly every American he meets during the first minute of acquaintance. He told m,. in miasms as h directed the effort of a gang $f yardmen engaged m moving box ears full of Citroens. When he hed ihem AMERICAN TYPHUS FEVER 4 RELIEF EXPEDITION PRE PARES TO RETURN TO AMERICA (Correspondence The, Associated Pretis.) WARSAW, Jfov.- 2. The N American tyj'hus fjever relief expedition to l'oland, the first organization of its kind in the history of the United tSatea army, ia pre parisg to leave suon for America,' the "work which the 'expedition organized to ' le carried on tjy the Polish health depart ment., . The .expeditioa came to Poland intending to remain four months but its service was extended on two occasions, the -work havig been started in August. 1919. T. 1 la rcepgnition f their services to Po land in the ' campaign against typhus feveer fhe '-' Polish " government recently awarded the Commemorative Cross to the following members of the organization: Lieutenant Colonel Harry L. Gilchrist, of Cleveland, in 'command; Major Lee R. Dnnbar, Gloversville, N. Y.j Major Frank Dixon, Franklin, Ind.;' Major Willis P. Saker. New York Citv: Cnntft5n Pnnl H. Streit, Marlin, Tex.; Lieutenant Robert C Snido, Lexington, Va, ; Lieutenant Arthnr Fox. ' Philaiielphia; Lieutenant' narold L. K. Albro. Waltham, Mnss.; Lieutenant Alfred N. B?nrman. Omaha. Neb.-:;---. More than -10 eommiasionetl officers and SK) enlisted men, all of them volunteers, liave beert jiflll'Sted wiJf th expedition from tinv tn time, the' organisation co- b"gnn. ' fJurintr the stay its members have been distributed in all pairs of Po- tmd where there was danger of the 1 ir ea d of typhus, the Americans hein . attachd .to hn different Pnlish sanitary ; organizations. TWO SOLDIERS IMPLICATED ;'---''IN MURDER OF WOMAN. . T Ynv The Associate.! Press. 1 CARLISLE, PA.. Nov. ?:. Mrs. Julia Drew rev, .';" years ohi. vs shot f anil killea in Iter in 1 te here last night. As the result of an :nvestipatifin the dffltrict attorney or Cumberland conn- iu hfililincr tun snUlipm fmm fhtk " field service school here on suspicion of being implicated in her death." ' heu - last seen alive, Mrs. Drewrey m, was entertaining two soldiers. TUAn' 1 4 i.M ' I.r ll.. BAnn.l Ann. , K I . . . vi, nv3 i-iiii urtji in ylllf lltrilf henrd 9 hnt firod ami found her Ufelero tfill fill' Amxr Tun man ir.M IiaamI ruauing iroiii me noiise. . BORDEAUX, Oct. 31. A " Mothers Home,' where women may have the -necessary care that they themselves could not afford is to be established by this ity iwith funds given by- Madame . . ... . . IIPIITUII i1 t M onplhn I -nll l. win. iiinic"i wi'inen. xuitaings, a (not wi o arm ani i.inni.ityu TrancS . mam m iT i C . 1. l , . r . "nirsnri lur iw miirn ny aimB. n i JUeurtne. - Says Piles All Gone nd No More Eczema ? " . had eczema for many years on my head and could not get anything to stop j ioe agory. -i saw your cd and got one , a modern departmental laboratory. Tn box of Peterson V Ointinent and I owe addition to this, the Rockefeller Founda yon many thanks for the good it 1 as dune ; tion has started among the children of me. . There isnt a bVvh on nty hond ! thp depaHment an organization known now and Ieouldat lielp but th.mt Peter :-.s th Modern Health Crusaders, a sys aon. for the cure is great. " Miss Marv (tppi of child eduration pnd havinr' frr its HIP. 4V Third avenue. Pittsharh. Pa 'I have had itching piles for IVyors j t ani j-ererson-s the only ointment thnt ! reneve me, uesiaes the piles seem to have romo." A.-n: Riigter, 1127 Wast: ingfon avenue. BaneWis, - I France as a general model. The Bcke- Xse Petersuas Ota I ment for old sores. feller Foundation is asMsting the French unit rhenir, thsfiing and aU skin disea. .pple in their campaign against con ,J ents. Drnggists recomm-nrl i. Mail snmntion - in 3ft t tt hi Hn.rtmant. orders filled brTetersoiwOinfment Co.J,l wor probablv rill continue for the S c.. PufFalo. N. T. - ' - I it .. . it Henry Ford But Hi Name Is Citroen. '' ' : stages, and 1 intern! 10 uieci r or price here. My car, f course, is much tiu.to economical than the Ford. It is : designed t consume a minimurri of gnso- : . which it does wmle developing srrm- he Sfecpct hill ' l"' to n.-K.rtmte t t America. I am sending my agents , v r very inioii with a nnmuer or cars. - 1 ' H'K,n v.itti I snau semi oniy cjostv! t a . i diiinne. with the interior drive, 11 , ,t ' V, ;;, , ,mpetition wih the r,,.i -1 ... Tr in- M-I-M.K ,inn ...r i. . - - li! . Al . , .. , - . T1 ; f((. on .jl!nsfi U',-ause of tne. duty ,1 of 43 er PPUt, whi(.,, I nmt pay to the nill .Mill roiMiiitrc nil it hid iimm iuira ...: . .ilUtlU IUI V UDVVU1D. i Tie IV. n.-li Assoc in tiori of Automobile 1 ,1 'III ill I I I 1 I 1 IMft " J I 'I IW" . ." V ....... 1- tr i O.'inincrce to put a ban on the . - . .... im-vrrfatinn r.f otfrign autoinouiies i;itn ''.iiiie :md nisi to ri-ti'rict the sale of tl'i- ciist minihers of u9ed cars Jthii-li . t! Amcicnn urniy left behind. The j fins i. i.-i.'ion declared th.lt ihe foreign cars wr-e r"i.i-.ig t!:e fr.ncii auto industry. 1M. Citroen, one of the largest automobile manufactnrern, dittsents from the associa tion view. i 1 ,.m j ti.'n.v o;ij..i.sed 10 any-restrtc-I Lion on importation. I am a free-frade , find I believe the international competi tion i- necessary and proft4f4i)e to all. On ihe ono hand, if all duty on foreign automobiles entering Franco were sup pressed Ford cnnM sell his machine from cheaver here, but Kn t)tc o'!;cr T eou'd buy steel and other sni plies in the Pnited Btntes and I could re bi.'j. my price .1,000 f nines and sell my I'tir aiij-wheri" in the world." 15 WOMEN LICENSED TO PREACH IN M. E. CHURCH C'lilCAliO, Nov. 1. Fifteen women huve btton hceiised us prcai hers in the Methudisl Kpiscopal church since this right was gianted last Aluy by tjie Gen eral Conference of the church, Miss M. Madeline (Southard reixirted here todayl Miss txiuthard is president of an associa tion of women preachers in the United fcitutes and Canada that represents 15 do nuiniuations. She i director of evan gelism of the Epworth League, "The first woman preacher to be li censed iu the Methodist Epucupal church under litis ruling," Miss South ard said, "was Miss I. Willie Caffrey, of WaWatchee, Wash, bhe came from a family of preachers and at the ago of I nine wanted to preach. She had been I acting as assistant pastor of the First 1 Methodist church at Wawa tehee. Her pastor, who was at the General Confer ence telegraphed word of its decision, and she was licensed as a local preacher within two hours. "The same evening Miss Winifred Wiilard was licensed by the First Meth odist Episcopal church of Denver. At tlfo time t)ie was :?,000 miles away in the east, hut the . riterprising Denverites called a meeting i.s soon as they heard the licvs and look ai tion. ' 'Tint firs- woman licensed in New 1 Kitgland was Mrs. Kate Morrison Coo- )kt. For tint pj:.Ht three years she had : been pastor of Tin' Methodist Episcopal chureh at Portsni.mth, K. I. She was :is,i June lo. Ten lays later Miss Mabell H. ! Whitney was 'v.aise.l at 1'ittsfield, '. j hl.e ws a aiiily pas'nr and previously j had -erveil as jiastor of a 'Congregational i chiin a in Maine. Ten ilays after that i Miss Capitals B. I.ochner was licensed by ; the l'roetor,vih;., Vt.. M. K. church, and in a week another V ermont woman. Miss Ellen II. Wagner, a public school teacher, wns iiri uvi., ;li Nulton. " Miss Houthard herself was tho seventh woman preacher licensed. "It is not an easy task to keep in formed on how many women have beeu licensed," sluy said, "when they are be ing lifi'iiued right along in so many sec tions." "There is no loubt, Miss Southard added, that ordination will be gianted Methodist women when the next General Conference meets in 1924. ROCKEFELLER FOUNDATION TURNED OVER TO FRANCE (By The Associated Press.) PABIS, Oct. 31. The Rockefeller ('otindition, which has been assisting Franco fn its fight against tuberculosis for the last three years, has turned over to the complete control of France, an elaborate anti-tuberculosis organization which has been developed in the depart- i ment Eure-ei-Loir, at a cost of 4,000,000 j francs. ) The organization, the most complete i f or its purpose in France, consists of 24 'dispensaries, four comidefe isolation services, a departmental sanatorium and . nhie.-t th prevention of tuberculosis hv - He thorough tearhine of hvciene. Although it will not be-possible to du h iiratf the Fnre-et-Loir svstem. it will the ased by 'the .dlnr deuartments of m m with our "Tin lizzie KEPOBT OF STATE EDUCATIONAL COMMISSION t (By Max D, Abernethy.) BALEIGH, -Nov. 23. Defects of tHlu.tonal em u, North ;n pointed the report of .the Slate- ideational ti.mmmsion. whrd ,ust; that will devolop u homogeneous and sub stantial system ,'jn the' State-" .. 1 The report gives proper ereditf or, the educational - progress which ." hna . been made in the ytata in the face- of adverse :eirciimgtanees during the last 40 years. . It points out that during this time the unrulier of schools high and elementary : haM increased, the number of pupils en-" ' i. :.n i i, , . . ' : . . .of money appropriated has men from Lof $,105,000 in 1919. Over agamt-t : l,e8 '"bfe an n-uraR' , fart- however, the report deals squarely and i.lnn.ili with thu - n a Avi u ki . I ; ' ""V" . " ' " ' , . 1 ,":- I""" "":' .-"e o ma- VroiKr sKowiiiK ami pr..HreR m its , .Ht.-alional life , . , . . -,T ."e yoar .,ai7 18 i.A.nL KAtn . i,:4 .Mu3.a i.un.i i tu.- l nqitt J.,...t ..i.n.l , r.iiitiiii i.tm M.otv xvi cuiui.-u .-iiiinrt'ti. . M . ,., . , Mck9t ?",nB9 he been con- ' ""ce ipw, aceoraing to tne . commission, rne runas availabl for , . ... . . . .... :! " r i Tivtion Tvere very limited and, 11 the buildings are for the ' Inrit nnd in voir eondi- 3 , r- - - -1. f-, . r' - i'levx ""IhxiI hotfe which hare 1 Imilt in fr Inst few vnr are dis lie tinctly mmerinr nn) nior substantial, while tlv'ohlcr nouses are badly lighted, badly ventilnted .-md wretchedly eqtiip 7ed. R-i'e'y do they c inrnin deeen pro- v'.i"iw for s;init)iti'in. j "The number of high schools has rap- j idly increased in recent years. In 190S j there were in operation ' 132 county and ' XI city hiirh schools. Now there are over ! L'OO eomitvh:gh schools and about .l.'O- rity hijrh md-.ools. Also a irvent manv 1 erementary scliools cvP some high school instruction. These high schools have in- j ci-e.s,-.l in numbers so rapidly that it has i Ic e- abs 'Intelv impossible to procure for j then either a well trained teaching staff ..r a uroperfy ipmlified body of students, . N' t lot-.-e they been systematically and 1 r!ni'h- supervised." Th rennrf rninf out the necessity of getting rid of both rural element.arv schools and of small rural high schools by consolidation. According to the report of the commis sion the teaching body of North Carolina is in a constant state of flux nnd is made up largely of young untrained teachers, who have too littl. incentive or interest to remain in th profession. Comment-, ing on the qualifications of the teachers the report says: "The teachers of North Carolina are for lie most part untrained and there fore .unskilled. Duly 20 per cent of the elementary white teach of the State hold professional certificates showing that they have received u satisfactory preparation for the work which they are doing and only 7 per cent of the colored teachers hold sueh certificates. Of the high s.hotl teachers about one-half have I a" education the university i tunigting h id education enough to equip them for I "uljiy accommodate the siuail arrav j their work. Not only do the teachers of s'udents that invaded the institution in North Carrlina lack training, but they September. The class-rooms are Jiope lIuo lack experience. About one-half of 'essly crowded; the dormitories are filled them have taught for less than five years. "These conditions are accounted for by the salaries which have been paid for such services. As late as 1917-18 the average annual salary for the rural white teacher was $276. and for the rural col ored teache-s tl-10. The l.'i.i'ature of imn .1 n.. ii7i.' r.i.Fn.-u Uiese salaries, Imt ilespite this increase the average aiipunl salary of the rural white teacher is only .!.'UI and the averago annual salary of the colored teacher only .f2!o. It is of course perfectly plain th.-f no stable and well trained teaching staff can be pro- ui" t mi the,, financial tvrnis. Not only must salaries be further in creased but additional training facilities nmst also bo provided." Recommendation is niad0 by the com-nii.-'siuu to ana a, I the State constitution o as t i permit of a lay State board of e,lucuttn wl.ic.i should select ' the State j superintendent, who would be its execn- tiye oflicer and secretary. The superin tendent 's salary sliould not be less than $0.00't, the coninii.ssion states, and the great variety of administrative boards now in existence should be abolished and .their place taken by divisions in the office of the State department of educa- j ton, each division provided with a head i and adequate assistance all woi-kimr ns I a unit under the State superintendent j ". .r.minally. North Carolina has a I county system of education, but there , has been si much special legislation ere .-tting specially chjirtered distri"s and .spc-ini tax districts that the comity sys- tern exists, for thP most name , only. Tl'ix immense ennirhx of existing 'egislatiun should be wiped out nnd re- tda'-ed bv .1 simnle general law, providing for a county system of schooos and for city school districts. - "Over all the schools of the county outside of the city school districts should be placed a county board of education elected by the people on a non-partisan ballot at a general school election. These county boards of education should be authorized and required to employ expe rienced and well trained county superin tendents to provide their snnerintendonU fwith the necessary supervisors and cleri- 1 cal assistance, -thus securing competent , and continuous ilucational leadershin and i-iiidav. c-.- iAor.N f j comity. While it would probably he im j nracticable at this lime to abolish all ' "nf"-'' tnx di.strh ts. certainly the la ws j shnnhj be s., inndiried as 0 prevent their j further dewlopment and should at the same time imve th way to a genninc ('eoiintv svstem avoiding the ,vtls of r. dis- ; met system . toward which the counties 4 ! arn now so r-irmitv .iit;n - "Over efich Vity school district and there should probably not he more than a score in the entire state there should lie-iso be a br-ard of education" elected by the peopie on a non partisan bullot at a goer! sebtu-i eicodou. All city buar.1 ' " edueatiou sboud operate , under the , W IW VMUJ W BIS UIV . W DiVUIt J confer on them adequate powers to meet mmm ac.I 1 ...1 1.. .-,h,.',,t.f IIIB CCUSJOI WW OUU UIV ; J4H O.IUllIt ue ,,.. ...!, )..L!. i ..... tern . The- eity . boards of " edoeatioa fa th Mme boards of Ration to the state ( "(xne measares aixve outlined will eau for increased expenditure A thp eom , mission points out the amount of money I availably for pui ii. cilucaticu in North Carolina has in-resse LKi-.ttly in tc Lit; forty years. But the pcWw must not be misled as to whi;t the ftate is now dojnjr ,hi the' ifiatter of Hn.-iu in I support of puhiie education. Fen stntes now spend lesaj ana tn respect t i t ie efficiency of ita who)k N(irffi (,r(i,. . Y-t Vnrfh r...K .....i. ii. rienlture andeleventh iu tie amount of internal revenue, income and w I a . pronts tax eulleeted. It is i'rfeetlv c,,a' fat -thp state MU afford ia put! mon-y into duration, also that unless mor( mrrer ?s n.,f int tt .tnt apn.rf. - I ' -' ....... ...J'U. t m(li v:: iiy ndniiiistrnion, city admin- istraticu, into norms 1 schools and into ite:.,' - n'es. tho vhildren of North sn . ... . vomuu iiu ruiiuniit; id receive an ui- f erjor elnfftion,' Tli" rejort cmii-!mli" as IWlOWSt ' 1 Education ia nnt cheap. It i ex pensive and it is eeiy d:if bcuming moro expei.sive. But let it not be for gotten that education is the must profit able investment that a state can make. Wealth flows into the states where the tax rate for education is relatively high. uig!i. -Hvely. V elsf not into the states where it is relati now. 'loo poor to maintain, seh one of the greatest of N irtli Carolina's I si ms cries mil. 1 The Nn rtrn 1 1 111 man wnn s-i.vs 11., lis the perpetrttur of poverty. It is the j doctrine that keeps us poor. Tt has (driven more men nnd more wealth from ' e 8tate and kept more awry thn any j",!,er dnetriiie ever cost im. ' "Our suggestions, involve large expeu- ,'!!'""p'. the state enn afford them. As our educational facilities develop our wealth will increase, we shall be able to spend more still in training the children of the tate. Breaking the vicious circle of pnvrrty and ignorance we shall have state, 1 a beneficent circle of intelligence and efficiency. THE SUPREME NEED. sheville Citizen. t v The (Jetieral Assembly that convenes for its regular biennial session in Jaiu I nary 1921, must address itself immedi ately, thoroughly and sympathetically to the task of providing additional college I facilities for boy., and girls of North J Carolina. The situation has already 1 ren; bed such mi acute stage that it can not be explained away by any other ar gument than the actual appropriation of ' sufficient funds to erect dormitories and ! class rooms aud to emuloy additional teachers. Attention has already been drawn to the crowded conditions now obtaining at the University of North- Carolina. Un willing to shut the door of opportunity in the face of any young man uubitiou 101 far beyond the counsel of .'oasiderattons of comfort and health; th! prof e :311s ! ar? sadly overworked. I And now r resident roust of the North j Carolina College for Women presents the other side of the shield. This Institution has been forced to refuse admission to 500 young women this year. Five hun dred young women looking to their s'lite tor a chance to s, ure . ollt giate training j weie disappointed. TLe tathus of the j situation is aoi area! when ii is retuein-' j bered that t'a Nor.h ('ar dlna College' for i Women w.r.- forced o turn away tn re. prosjiective students than its facilities warranted it in matriculating. North Carolina is now a rich s'ate - far too ri.-h to permit a situation like this to persist long. It has been ci' mated that j this year 2, .100 boys and girls in North -Carolina were "unable to gain admission to any, college. The chain is are very strong that many of these 2."fiii hoys and ' girts huve lost their last ' han , to secure ;i collegia to ediieaM m. 'e!',--,. training tfttist. customarily be s -i ; d ia v.aitli and vouth is fugitive. T'nlo. ;; e safe a l is appreciably to the capacity i t" mir higher (educational institutions for housing nnd ! instructing students, the figures will eon- , tinue to mount until in nl-.,.rt of "Son wp . w'" nnve 3.00( and 4.01V) !.oys i;ir's flu- : nunliy wh m ! alrin-TMil colic In. ;i it. has - I I" -:- Unwarranted Gaiety. It was in January, 1 1 S vlun every boiiv in France was getting d.Kgusted with all wars in- general and their private oue in particular. A colored sold'er, en gaged in the utibc.roie task of policing, the road, was leaning on hi implement of war1 a shovel- reflecting on all the' disadvantages of being alive, when a happy doughboy wearing three service chevrons passed, singing at the too of his lungs. The darkey gazed incredulously at the soldier and his service chevrons and then returned his attention to the land scape. ' Mah Lawd! ' ' he muttered. ' 'At man done been over heah eighteen months and he still 1tnow some tone besides Hark, front .I Ton.b.' " American Legion Weekly. - Mr. Vaudhan. Farmer.. Tells How He Lost an His ?Hw Seed Cora, '-ometime agu t-"t away f-r some p 'i greed seeii coruv Put it ia a gun my v 1 k and htmg if on a rope suspend ed i'rcuifc roof Rats got it all how bents mi but they? did because I got - 5 renl wborrperi in tlie morning after KAT-SNAr.' Three sizes, 3ac. 1.25.: Sold and guaranteed by Standard Hardware Co, J. H. Kennedy & Co.. Gastonia ; J. R. Lewis Co.. Dallas; Mr. ITolly Hardware Co.; Mt. Holly; W. H. & D. P; Stowe. Belmost. If. C. a B D M iiilo A New Low I ! 1 i i On all coats. Men's The Suits Sciisi 20 -and 25 Discount - makes, not cheap clothes. They are strik ing values we are offering in Hart-Schaff-ner & Marx and -Widow Jones Clothes'at reduced prices. Now is the time to buy i p B them. M : c t 1 B I B B i i i. I REAL ESTATE For sale we offer the following: Five room house on Mapel avenue; six room house,, corner of Third avenue and Willow street; five room hoise near Groves mill; eight vacant lots on South ex tension of South street; 25 acres farm land, West Gas tonia; 73 acres near Dallas; 93 acres 1 1-2 miles from Dallas; 40 acres just outside city limits of Dallas; 80 acres between Dallas and High Shoals; G acres one block from new graded school building, Dallas; 10 vacant lots, Dallas; one 6 room house, Dallas. Other farm lands and building lots in different sections of the county. Let us know your wants in Real Estate and Insurance. STOCKS AND BONDS v CORNWELL REAL ESTATE & INSURANCE CO. 1 06 1 -2 E. Main Ave. Phone 824 caiKKwi; m mmmmm m m m AW. x MONEY ON RESIDENCE PROPERTY IN GASTONIA AT 6 PER CENT SIMPLE INTEREST J. H. MILLER, Box 424 Representative Equitable Life GAS , TODAY and TOMORROW CHARLES RAY In -His Latest ParamountPicture "A VILLAGE SLEUTH" A scream in the night! and all was still. Sher lock Wells, the great detectire, awoke from his vigil yawned and a secret panel closed behind a re treating figure .- : r- ' - Next morning holy mackerel! Enough had. happened to keep the whole blamed town in' gossip for a year . Enough to show .'em what a real detec- . tive can do for a beautiful maiden when he dons his trusty disguise and gets his clever clues a-work-in! -. -. :'..-''" - ' . A Small-Town Story, Big With Laughter! ' . ' 'I A Good ''Comedy;.' ;-, : tori- I Price Record and Boys Suits and Over- we have are the best j I: WW WW t- -i. mm m mmmmmmmmmvmmum 7 TO LOAN s X. f TOMAN