KINGS MOUjTTAtN HERAlJfr, KINGS MOTOTAlN. y.' 0.
The Federal Farm Loan Act
t
Synopsis of Its Salient Features Prepared
by H. M. Hanson, Secretary-Treasurer Farm
Mortgage Bankers' Association of America..
FEDERAL FARM LOAN ACT
Pasaad by th House of Represent.
Uvea and th United 8tate Sen.
. te June 27 and 28, 1S1,
Reepectlvely.
"Signed by the Preeldent July 17, 1916.
8. Provide for a federal land bunk
ayatem In the continental United States
exclualve of Alaska), dividing the
country Into twelve Innil bunk districts
composed of whole stntea,
8. The system la operated aa a bit
areau of the United atatea treasury de
partment and aiiHrvlae(l by tha fed
ral farm loon board. Tha secretary
of the treasury la ex-oAcio chairman
of the bourd with four other membera
appointed by the president tor eight
years at an annual salary of $10,000.
One member la designated farm loan
Commissioner and Is the active execu
tive officer,
8 Appointee of Beard: (a) Farm
loan registrar for each land bank dis
trict and
(b) One or mora land appraisers) for
ach land bank district. Salaries paid
ty federal land bank or Joint stock
and bank for which they act
(c) Land bank examiners; salaries
Siald by tha Cnlted States.
(d) Attorneys, experts,' assistants
and other employees to be paid by the
United States.. ,
17. Powers of tha Boards (a) To
organise and charter federal land
banks, Joint stock land banks and na
tional form loan associations.
(b) To review and alter the rate of
Interest to be charged by federal land
Danks for loan.
(c) To approve or reject any or all
loans for bond Issue and to grant or
refuse any specific Issue of farm loan
bonds of federal land banks and Joint
coca iana Danks.
tuj xo regulate charge for ap
praisal, examining tltlea and record
ing. .
(e) To appraise land securing
Sage for bond Issue.
(f) To exercise general supervisory
authority over the federal land banks,
(arm loan associations and Joint stock
land bank.
80. The farm loan commissioner
hall examine the lawa of every state
nd If on examination the lawa of any
sute are shown to afford Insufficient
protection to holders, Its mortgages
hall be declared Ineligible under this
act during the continuance of the laws
in question.
82. The secretary of the treasury la
authorized to deposit United 8tates
funds In federal land banks at current
government rates of Interest, the ag
. gregate of such funds not to exceed
86.000.000 at any one time.
FEDERAL FARM LOAN BANKS
ORGANIZATION.
' "Section 4. One In each land bank
-ffistrlct Branches permitted within
Its district Officers: President, vice
, presiaent, secretary and treasurer ;'dt
rectors; six representatives of farm
'loan associations and three represent
tng the public Interest. Attorneys, as
.elatant, experts and other employee.
.aii aaianea fixed by farm loan board
and paid by bank. 8ubject to semlan
Dual examinations by land bank exam'
tner,
CAPITAL STOCK. , ;
Sec 8.-8750,000. May be owned by
Individuals, Arms, corporations and the
United States and state governments.
Set 8. Shares, 9 each.
Bee. 8. All stock remaining unsub-
Berthed 80 days after subscription
book are opened shall be subscribed
by the United States and thereafter
only the United states government and
borrowers may acquire shares of stock.
See. 8. United States government
not to participate In dividends. All
-o tiler stockholders share dividends
equally. . "
Sec 6. The original capital stock
small be gradually retired i:fter the
-atock held by farm loan Associations
tall amount to 8750.000..
nee . -Not leaa than 8 per cent
or capital shall be Invested In United
-States government bonds.
; "". powers. " '. '
Sec 13.--To buy first ' farm mart
nxage within Its district and to Issue
and sell farm loan bonds. , . ,,
Sec 18. To receive from farm loan
eoctatlon Interest and amortisation
payment on mortgage and farm loan
Sec IS. To acquire and dispose of
eal and personal property necessary
or the convenient transaction of busi
ness and land taken In atixtuct(anof
-debt or purchased under Judgment,
.decree or mortgages held by It Shall
mot bold title exceeding five Tears. -
. .. Sec 18. TO accept deposits of ae
-curl tie or current funds from member
association but pay no Interest there
on. -Jf X-'A V:'.
Sec IS. To-borrow money ea se
curity and pay Interest thereon.
flee 18. To buy 84 sell United
State bonda. i : i ' V
Sec 18. Te appraise lands ror bond
Im and to charge applicant and bor
rower the coat of land appraisal, m
aadaing tltlea, recording and other le
gal fee eel fee) to to paid la cash
or be made' part of loan and paid In
amortisation payments.
Sec. 14. To accept mortgages only
frum farm loan associations and ap
proved agents.
Sec. 14. To accept deposits of cur
rent funds only from Its stockholders.
Sec. 8. To become financial agents
of United States government and de
pository of public money. Public de
posits cannot be Invested In mort-
gages or farm loan bonds.
Sec. 13. To deposit It securities
itnd current funds subject to check
with any member hank of the federal
reserve system and to receive Interest
thereon.
BONDS.
Sec. 20. Issued In series of 850,000
or more. In denominations of 823. 850.
8100. 8500 and 81.000.
Sec 20. May bear a maximum rate
of S per cent Interest per annum.
sec 10. Mortgage and United
States government bonds equal In
amount to the farm loan bonds Issued
sre retained as collateral security by
tne land bank registrar.
Sec. 14. The outstanding farm loan
bonds shall not exceed 20 time the
capital and surplus.
sec 21. Shall be guaranteed by
Dank or issue and all other federal land
banks.
Sec IT. No Issue Is authorized
without the approval of the farm loan
board.
Sec. 22. Substitution of mortgage
and United States government bonds
held as collateral to farm loan bonda Is
permitted.
TAXATION.
oec io. i ne capital stock, sur
plus, mortgages and farm loan bonda
and all Income derived therefrom are
exempt from federal, state, municipal
ana local taxation.
Sec 28. Real property taken and
held under the provisions of section
11 and 13 I not tax exempt
AGENTS.
Sec IS. Incorporated banka, trust
companies, mortgage companies or
chartered saving institutions may act
aa agents for federal land banka If no
farm loan association has been formed
in a given locality after one year.
Sec 18. Borrower securing loan
tnrougn agent are required to sub
scribe 8 per cent of the loin to th
capital of the federal land bank. . '
Sec 19. Agent are entitled to a
commission of one-half of 1 per cent
per annum on unpaid principal of each
loan they negotiate and the bank shall
pay agent for actual expenses for ap
praising land, examining titles, exe
cuting and recording the mortgage pa
pers which shall be added to the face
of the loan.
Sec. 15. Agents shall Indorse and
become liable for the payment of the
loans they negotiate and the aggre
gate unpaid principal of such loans
shall not exceed ten times the agent'
capital and surplus.
Sec. 15. Agents are required to
make good any default within 30 dan
fter notice.
Sec. 15. All collections made shall
be remitted without charge.'
SPECIAL PROVISIONS,
sec. ZZ. Amorttsatloai and other
payment constitute a. trust fund to be
Invested as follows: -
' ,(a) To pay oft maturing farm loan
bond issues,
(b) To purchase farm lean bonds!
(c) To lend on Drat farm mortgage
witnin tne district
(d) To buy United States govern
ment oonoa.
see. zs. Reserve and dividends; No
limit Is placed on dividend distributions
after a reserve account has been built
up from earnings equal to 20 per cent
of the capital atock and after 8 per
cent or tne net earning annually
thereafter are added to the reserve ac
count ,
Sec 23. Reserve funds to be Invest.
ed a prescribed by the federal form
loan board. . '-'
Sec. 27. Farm loan bonds are lawful
Investments for fiduciary and trust
funds and security for all nubile de
posit.
Sec 27. Federal reserve bank mav
out ana sen rarm loan Bonds.
Sec 29. Provision Is made for dis
solution and the appointment of a re
ceiver.
Sec 14. No commission or chanre
not specifically authorised In this act
shall be demanded or received.
the capital stock. of the association
which In turn ' subscribes an equal
amount of stock In the federal land
bank.
Sec 8. Shures are paid for In caeh
or (9) the amount may be added to the
face of the loan and retired In amorti
sation payment at par. Ip such caae
the face of the loan shall not exceed
the 60. per cent and 20 per cent lim
itation. '., , ... f4 ,, ..
Uec T. Assessment on shares may
be levies for operating , expenses . If
funds are not otherwise available.
NATIONAL FARM LOAN ASSOCI
ATIONS
'" ORGANIZATION. J
Section t. Ten farm owners' desir
ing loan aggregating 120.000 or more
may form such an association.
, Sec 7. Its affairs are' administered
by fire directors, including president
rice president and loan committee of
three serving without eompensatlon.
and by a secretary treasurer with sal
ary fixed by the farm loan board and
paid by th ssaocUrlo ., ,
' . CAPITAL STOCK..
Sec 8. Shares, S3 each: (9) earn.
tng double liability; (8) may be owned
only by borrowars who are required t
essoin per seat or tnsrr leaa as
POWERS. ..
Sec 10. To appraise land for mort
gage through Ita loan committee of
three.-'..
Sec 11. To Indorse and become
liable for the mortgages of Ita share
holders.
Sec. 11. To receive and deliver the
proceeds of loans to borrower.
Sec 11. To acquire and dispose of
property necessary for the convenient
transaction of It business.
8ec. 11. To Issue certificates of de
posit for not longer than one year and
to pay. 4 per cent interest thereon.
convertible Into farm loan bonds at the
federal land bank of Its district.
Sec. T. To receive and transmit to
the federal land bank payments of In
terest and principal and amortisation
payment. -
LOANS.
Sec 12. Loan aha II be secured by
nrst mortgages pn land within It land
bank district
Section 12. To run from 6 to 40
years with amortisation and with ad'
dltlonal optional prepayment after
five years.
Sec 12. Interest on loans shall not
exceed 8 per cent per annum on the
unpaid principal.
Sec. 12. Borrowers shall pay 8
per cent simple Interest on defaulted
payments.
Sec 12. Loans may be made for the
following purposes and for no other
under penalty: "
(a) To purchase land for' agrlcul
turat purposes.
(b) To purchaae equipment fertll
Ixer and live stock for the operation of
the mortgaged farm.
(c) To provide buildings and for the
Improvement of furm lands.
(d) To pay debt existing at time of
organisation of the first national farm
loan association within th county,
sec 12. Maximum loan 810,000:
minimum loan 8100.
Sec 12. No loan shall exceed 90 per
cent or the value of the land mortgaged
and 20 per cent of the permanent In
sured Improvements.
Sec 12. No loans shall be made to
any person who la not t th time or
shortly to become engaged In the culti
vation of the farm mortgaged.
Note. All appllcition for loan
originate with ,the national farm loan
associations or a genu and all loans are
made and closed by th federal land
bank. This doe not apply to Joint
stock land banka.
TAXATION.
Sec 28. Same a applies to federal
land banks.
SPECIAL PROVISIONS.
Sec 9. Associations may retain a
commission one-eighth of 1 per' cent
semiannually from Interest payments
on tne unpaid principal of loans.
Sec. . AHHoclatlons may borrow
from federal land banka at 0 per cent
annual Interest up to one-fourth of It
total stockholdings In said bank.
Sec 24. Reserves end dividend
No limit Is placed on dividend dlstri
buttons after the reserve account built
from net earnings equal 20 per
cent of the capital stock and after 2
per cent of the net earning annually
thereafter are added to the reserve ac
count '".
sec. 25. Default must be made
good within 80 days after notice
Sec 29. Provision Is made for dis
solution and th appointment of a re
ceiver ;. . :
I, purpose. 'prescribed ft 'eattaaal
farm loan associations. . f ,
Sec 19. Loaus may be made to
farm owner regard leu of whether en
gaged In cultivation of th land mort
gaged or pot, . -
Sec. 16. Interest on "loans shall not
exceed more than 1 per cent the In
terest rate established for Its last series
of bonds, nor more than per cent In
sny case, " ;
Sec. 10. Commissions or other
charges nor apedflcafly authorised by
this act shall not be demanded or re
ceived. . 'bonds.
Sec 20. Issued In series of 850.000
or more. In denominations of 82S. 850.
8100, 8500 snd 81,000.
Sec 20. May bear maximum rate of
8 per cent Interest per annum.
Sec. 16. Bonds shall be so engraved
as to be readily distinguishable from
federal land bank bonds.
Sec 19. Mortgages and United
State government bond equal In
amount to the farm loan bond Issued
are retained aa collateral security by
the land bank registrar.
Sec. 17. No Issue Is authorized with
out the approval of tha farm loan
board.
Sec 27. Federal reserve bans are
authorised to buy and sell th bonds of
Joint stock land banka
Sec 22. Substitution of mortgage
nd United States government bond
held a collateral to farm loan bonda la
permitted.
Sec. 27. It bond are lawful Invest
ments for fiduciary and trust fund
nd security for sll publle deposits.
'."''. TAXATION.
Sec 26. Th capital stock. urplu
and earnings are subject to the taxing
powers of the state. ;
Sac 26. Ita mortgage executed un
der this act and It farm loon bond
nd all Income derived therefrom are
exempt from federal, state and munic
ipal and local taxation;
Sec. 26. Real property taken and
held under the provision of section
11 and 18 I not tax exempt '
SPECIAL PROVISIONS.
Sec. 6. Joint stock land banks are
made public depositories and financial
agents of the United States govern
ment.
Sec 6. Public deposits cannot be In
vested In farm mortgages or In farm
loan bonda.
Sec 16, Rates of interest for loan
under per cent are not subject to
review or alteration by the farm loan
board.
8c 18. Shall receive no deposits
except public deposit.
Sec 2. Amortisstlon and other
payment constitute trust fund to be
Invested follow:
(a) To pay off It maturing farm
loan bonds.
(b) To purchase farm loan bonds.
(c) To lend on first mortgage with
in its prescribed field.
(d) To purchase United State gov
ernment bonds.
Sec 23. Reserve and dividends pro
vided ror as In the case of federal land
banks.
Sec 29. Provision Is made for dis
solution and the appointment of a re
ceiver.
empaawe
n-irt TaV IT i srve
LABOR CONOEMNS SALOON.
"The time has, come 1 this country
when even men who take an occasion
I d.-iuk and feel It their right and
privilege to do so, If they please,
are coming to agree that It I not
right for a man to make It his busi
ness to cultivate the vices of s com'
munlty, and to take from men money
that belongs to their families, giving
them in exchange liquid madness, uni'
tallty, Insanity snd damnation."
These words were spoken by Rev.
William B, Millard In an address at
remarkable labor meeting held In
Garrick theater, Chicago. "The labor
union, like the church," continued Mr.
Millard, "should regurd the open
loon as Its greatest enemy. The time
has come, nay Is so near, that the rosy
radiance of the glorious dawn already
greets our eyes, when the saloon will
be abolished and the barkeeper out
kjwed, so that a man may no longer
be waylaid on payday and sent horn
to hla broken-hearted wife and terri
fied little ones a raging, loathsome,
penniless beast"
Tremendous applause greeted these
sentiment. The theater was packed
to utmost capacity with representa
tive of union labor.
RED R08ES INSTEAD.
Tha plac formerly ocuupled by on
Of Spokane' moat notorious saloon
la now a "brilliantly lighted, clean
smelling" market where "chop, cab
bages and groceries replace the foam
big brew" once sold there In great
abundance. At the am counter
where "red noses" were formerly In
line, a fair maiden now dispense
"red rose," and at the site of the
former "big bar," young men are now
busy dealing out fresh meats of all
kinds. Nobody but the former brew
er and saloonkeeper complains that
"business Is ruined under prohibi
tion. "Spokane la feeling right smart
pert under prohibition, thank you!"
siMfirsawoLx
. Lesson
vr e, o. BKL.i'KHa, Actisg uirecior or
.the Sunday school Course ot the Moody
'Bible Institute. Chicago.)
fconrrlfiit, )1, Weitirn r)ifpser Vaua.
LESSON FOR AUGUST. 20 ?
RIOT AT EPHE8U8. .
THIS DEALER HAD REAL TACT
Stout and Thin Customer Ue Special
Mirror In Wearing Apparel
atabllehmant
JOINT STOCK LAND ' BANKS
OR0.ANIZATION.
Section 16. A private corporation
aubject to the requirement under thl
act which may be formed by ten or
more person with a board of director
of five or more.
Sec 18. May operate within the
state In which It principal office I lo
cated and within some on contingu
ous state . -v
Sec' 28. Subject to semiannual ex
aminations by the federal land bank
examiner.
" CAPITAL STOCK. .
Sec 16, 8250,000 minimum.
Sec 16. Double liability of share
holders. i,S: l,...,-. :. ;
Sec. 19- The United States swvern-
ment (hail own .Don of the (hare of
stock. '''y ' ; '
Sec, IS. No farm loan bonds can be
Issued until the capital stock I fully
paid, although the -bank ,may begin
business when one-half of th capital
la subscribed and paid In cash. ...
'; . ..POWERS. , .
See, 16. To lend money on farm
mortgage security. s., t, . ; ,
8ec. 18. To Issn and sell farm loan
bonds.- .;i:Ji-, l- .; ,;. .....
Sec 16. To Issue farm loan bonds
up to IS time the amount of It capi
tal snd surplus. , x 4'v:'::v-:, (
Sec 16. Except a otherwl Pro
vided u baa the power of and I sub
ject 'to the restriction Imposed on
federal land hanks, i
''i .'fHIVItlOIei , " 's '
Sec 16. May lend asor than 810.000
to any one borrower, but sot beyond
80 per cent of th value of the laad
and 20 per. cent of the permanent in.
sured Improvements. . J
. tl-Laaa im aes restricted t
A dealer In wearing apparel, noticing
that hla atout customer and hi very
thlq customer often were sensitive as
to their figures, Installed two fuh
length mirror of special design, say
Popular Mechanic magasln. On was
slightly concave and the other (lightly
convex, when a atout customer tried
on a suit she was led to the concave
mirror for self-lnspectton. and waa able
to see her figure as It would appear
with Its measurements reduced. When
a thin person came In to try on clothe
he was taken to (he convex mirror.
where 'the oppoalt effect was pro
duced. .' '
Only Melstsnsd His Lip.
Omar Scudder, a Columbus real es
tate snd Insurance agent told some of
the other business men who bar of
fice In th Bassett building that ha
wa hot They agreed that they were
Just a hot a b wa.
'I can eat all th let cream yo
fellow are willing to buy." Scudder
declared. ;
The other mad up 80 cent and
sent out for a half gallon of cream.
They bad a notion that Scudder would
eat about a quart' after which they
would divide the' remaining ouart
among themselves. Scudder surround
ed the entire hslf gallon of Ice cream,
smacked his Up and asked them
whether they were not going to get
him enough Ice cream for a real taste.
The business men looked at each oth
er, smiled sickly and returned to their
places of business, Indianapolis
New. .; . - :
CUTS CITY'S EXPEN8ES.
Mayor Anderson of Th Dalles, Or
gon, furnish thl bit of testimony:
"Sine the first of th year, when
the prohibition law went Into effect
all line of business have Improved.
Thl changed condition I particular
ly noticeable In groceries and meat
market, both cash business and col
lections allowing a marked gain, Th
following figure ara taken from our
official .record and show the effect
ot prohibition on th police court:
. Arrests foi Coat of Feeding
Drunkenness. City Prisoners.
Jan. snd Feb., 111, C 1131.)
Jan. and Feb., lets S4 mm
Jan. snd Feb., 1914, 117 US.71
Jan. and Feb., 1911, tl U14
Jan. and Feb., UK, t...: 71
TESTIMONY FROM ILLINOIS.
According to th record of th po
lice official In Illinois dry cities have
75 per cent le crime to contend with
than wet cities of the same size. - Au
rora, while under the laloon adminis
tration, had 1,005 arrest for drunken
ness, whlls In dry Rockford, with th
same population, there were only 719
arrest. Wet Joliet bed 1,682 arrests
for drunkenness while dry Decatur had
tit. Both town are of the same sis.
Still another Instance wa th 1,819 ar
rest in East St. Louis a against 464
In dry Oaleaburg. The report show
that the ahajorlty of these arrests wa
due to th Introduction of liquor from
th surrounding wet territory. -
EETOTALERS WIN.
In Germany a walking contest wa
conducted over a course of 62 mile.
Eighty-one men entered the contest
of whom only 24 were abstainer, but
the first four men who crossed the line
were abstainer. Of the ten prise-
winners, six were teetotaler and two
had been abstaining for some time
while in training. More than half of
th non-abstainers fell out by the way.
but only two of the 24 abstainers.
The Three Ptillswphera.
for the first ttm In their' Ilea
three, genuine, eiuron-par phUo
opher went sat riding In motor car.
After they bad ridden (bout twent
miles out In the' country th car broke
down.;; 8ald the first philosopher: "I
have long wanted to study certain as
pert of .nature, and thl afford me
the particular, prospect I . moat ad
mire" Sold the second philosopher:
"I observe there Is a farmhouse over
there where food eao doubtless be ob
tained In, suffldent quantities." Said
the third philosopher: . "1 hare long
wanted to be In s situation where,
without moving, sustenance would be
brought In me by ao friend, walla
the other discoursed ea the heastla
of aature."-Ufe. i- . ., .
i
THEY WORK ANYWAY.
It's th women," growled a portly
isloonlst "They ar behind all of
this, They will find out If tkey ar
going to run thing, we ar going to
let them work." Whereupon, hi quick
witted listener remarked, "Th wive
of drinking men always have had to
work. If they bare to choose between
a sober husband and work, or a drunk
ea man and work anyway, I think
they will take tha dry man."
LAW WELL ENFORCED. ;
Following vmrloua rumor that the
prohibition law waa being violated th
chief of police of Centralis. Wash., of.
fared $20 reward from hi own pun
for Information leading to the convic
tion of a bootlegger. The chief de
clare there I not on In th city.
ib a man wno laid a could gat
whisky, th chief gave a ijollar to bay
a oocua, tu dollar was later re
turned. V, ,;:.' :' . s ;"'
MEN BUYING MORI CLOTH tl.
' "Last Jrear I hired a man to m oat
auu wor against atate-wlde prohibi
tion. If It were to be voted upon
again, t would employ a man ta an nut
and work for It My builne has In
creased 25 per cent sine January V
The man . who aald thl is In tb
tailoring bustnes In Portland, Ore. ,
EFFECTS OF LIQUOR. - '"'"S
j Sale on wit. "Whea my husband
drink whisky, ha bom get staptd;
but whea he drinks beer, ha run aftat
a with a kaifar.
LESSON TEXT Acts U:B-IL
GOLDEN TEXT The love 6f money I
the root of all kinds of evil. I Tim. 1:1.
Teacher ought to have good msp
and keep before the mind of their
classes both the ancient snd modern
names of the places Paul visited. Paul
resided at Kphesus nearly three rears,
A. D. 63 to 50. The events of this les
ion occurred about three years after
our last lesson In Acts.
I. Ths Missionary Work of Paul
(w. 1-10). How long Paul remained at
Antloch after hi econd Journey wa
do not know, but having passed
through tb "upper coast" h cam to
thl city of Ephesus, which was aa
Important city and a great mission
field. In Revelations 2 snd 8 Is list
of the churches which bs evangelised
from thl center. It wa a great and
effectual door for him (I Cor. 6 A;
read also Acts 20:17; 2:85). In thl
city Paul found a religious guild of 12
member (see TV. 2-7), whose relig
ious experience needed the enrichment
of the Holy Spirit; a like need I ever
before the Christian church.
II. Th Miracles Wrought by Paul
(vv. 11-20). - Ephesus wa a center of
magic end witchcraft and special
power was given Paul to work mira
cles which confounded the magicians
in this, their stronghold.- The Gospel
prove It power most and beat by
transforming the character of men. -
Deeds of love and service are the best
proofs of Christianity, and these, are
the tilings which awaken heathen na
tions to seek after the Christian relig
ion. But such deed are often Imi
tated as In this case. (See v. 13.)
However, only , the real spirit of Christ
can work the true working of the
Gospel, and thus the name of the Lord
Jesu wa magnified In Ephesus. Imi
tation 1 often the smcerest form of
flattery.
III. The Mob Attack Upon Paul'
Work (vy. 21-41). The first result of
Psul's work was ths burning of the
books of magic (ot. 18-20). Many waa
had been' dupes of the magician
ceased their secret practices snd de
clared their wrongdoing In thl pub
lic manner. Literally, book after book
wa thrown Into th fire, much the
lame aa In Florence Savonarola had
hi "bonfire1 of vanities." Paul's won-.
derful success had to have Its testing -before
he left The Gospel "way," the
way of salvation, of true living, is
sure to create a stir sooner or later.
Preach the Gospel faithfully and fully,
and It will stir up any community. It
Is not necessarily a bad sign whea
thing begin to be disturbed. It may
Imply tntllcste that the fire Is get
ting hot The good results of reviv
als do not hurt business, but they do
hurt the devil. So that "big business"
wa intensely stirred up In the city -of
Ephesus. Demetrius, their leader,
uttered a striking and -truthful com
mendation of Paul (v. 29), although
It was entirely unintentional. 8e
I The. 1 :9-10). Demetrtu doe not
seem to seek to controvert the preach
ing of Paul, or thai It did not sonar
with the word of God, but rather that
It would Interfere with financial con
siderations, Th modern World 1 full
of descendant of the Ephealau silver- -smiths,
politician and business In
terests which defend, th saloon, and '
fairly respectable d risen who receive
rent from such business, or from Ua- 1
moral or unsanitary properties, snd
who cry out against any reform Which
interfere with trad and money mak
ing. There are many today who ar . ,
very enthusiastic religionist If they '
can coin money out of It or get Into
aa office.'' .. .
At this theater meeting .(Paul wa
not present, vv. 20, 81) Demetrius ap
pealed (1) to wealth, (2) to religion,
(3) to the honor and fame of the city.,
and (4) he also mad an esthetic ap
peal, (ot. 25, 26, 27). The Jew put
forward one of their number, Alexan
der, to make a defense unto the peo
ple, and to show that they were not
In sympathy with Paul and his com
panlons In their preaching against th
worship of Diana or that a Jewish '
Christian they did not maliciously
bop to destroy th worship of Diana -and
the business Interests of that city.
Their effort, however, only itlrred the
mob to larger shout, "Greet I Diana
of the Ephertan,", which lasted for
two hours. . . j , , . .
Those who yell th loudest think '
they are sure to prove their point
though In each a way the point doe ..-.
not stay proved. - Paul combine fear-
less . courage and hnmhle mmmoa
sense, and, while he fain would ant ' .
peal to the mob (v. 80). lie refrained.
The mob must soon awaken to tha
manliness .and spirit t Paul'f aonL " , '
t wa the town clerk who Interfered
(V. 85-41) and by skillful management JT'
quelled the exd.ted mob. He" was tha
temple keeper iand showed tbat th
worship of Diana was so settled la
Epheus that no company otJew : -could
overthrow It and that firiilii . '
not hsva snj real cause for vldfo. ?
M ahno 'emphasizes -tha ,r,NJ,.t
the lmsip of Diana, then- chief god,
had been Vmlracolously cent to them
by JuplterJ I called attention to th
fact that l ill h-d set eommttted tha
wronfafwt ..jwaitbarged. '
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