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  • LEFT PAGE 322 Table for the Laboratory Ounces Grammes Ounces Grammes Grain 1/10 6 Milligrammes Drachms 2 1/2 9 1/2 Grammes " 1/8 7 1/2 " " 3 11 " " 1/6 1 Centigramme "(1/2 ounce)4 15 " " 1/5 12 Milligrammes " 5 18 3/4 " " 1/4 1 1/2 Centigrammes " 5 1/2 20 3/4 " " 1/3 2 " " " 6 22 1/2 " " 1/2 3 " " " 7 26 1/4 " " 2/3 4 " " (1 ounce)8 30 " " 3/4 4 1/2 " " 9 33 1/4 " " 1 6 " " 10 37 1/2 " " 2 12 " " (1 1/2 ounce)12 45 " " 3 18 " " (2 ounces) 16 60 " " 5 3 Decigrammes 18 67 1/2 " " 8 5 " " (2 1/2 ounces) 20 75 " " 10 (1/2 scruple) 6 " " OUNCES 3 1/2 105 " " 12 72 Centigrammes " 4 120 " " 14 8 1/2 Decigrammes " 4 1/2 135 " " 16 1 Gramme " 5 150 " " 18 112 Centigrammes (1/2 pound) 6 180 " (1 scruple) " 20 1 1/2 Gramme Ounces 6 1/2 195 " (1/2 drams) " 30 2 " " " 7 210 " (2 scruples) " 40 2 1/2 " " " 8 240 " (2 1/2 scruples) " 50 312 Centigrammes " 9 270 " 1 Drachm " 60 3 3/4 Grammes " 10 300 " " 72 4 1/2 " " " 11 330 " (4 scruples) " 80 5 " " (1 pound)12 360 " 1 1/2 Drams " 90 5 1/2 " " 8 " 96 6 " " (5 scruples) " 100 6 1/4 " " 2 drams) " 120 7 1/2 " " --- RIGHT PAGE Deep Sea Diving 323 At 201 Feet there is a pressure of 87 pounds to the [square] inch. 150 feet is the limit for safe diving. On the St. Louis Britdge the men worked at 110 feet and had from 50 to 51 pounds the the [square] inch. On the ship "Cape Horn" wrecked off South America, a diver named Hooper made 7 descents to a depth of 201 feet, over 33 fathoms, and at one time remained down 42 minutes. [clippings left to right] THE BALSAM POPLAR Canadian Forestry Journal for October. The Balsam Poplar (Populus balsam- ifera, Linn.) is found growing com- monly throughout the Northern United States and Canada, but it reaches its greatest development in the north, especially along the Mackenzie river and its tributaries, where it often reaches a height of one hundred feet and more, with a diameter of six or seven feet. Professor Macoun states that this tree in habit differs very much from the aspen, but in its range it ex- tends even farther north, and instead of being of little value, as the aspen is, it attains a great size and height as far north as the Arctic Circle on the Mackenzie river. West of Manitoba and northward it is usually found growing on alluvium in the river val- leys and in such situations it is often nearly 150 feet high and frequently over seven feet in diameter. On the Peace river, and all streas which unite to form the Mackenzie, it occu- pies all the islands and low alluvial banks. During the period of flood many trees fall into the rivers by the wearing away of the banks, and a great number of them in the course of time reach the Arctic ocean. These are eventually cast on the islands and shores and become the chief source from which is derived the fuel supply of Arctic travelers. The same may be said of the Yukon valley, as it is this tree that occupied the valleys and isl- ands of that river on all newly formed lands, but in time gives place to spruce as the subsoil becomes cold and moist from the density of the poplar and willow growth. The Riviere aux Liards or Liard river (often erroneously call- ed Laird river) a tributary of the Mac- kenzie is named from this stree. The leaves differ from those of the poplars previously mentioned, by being narrower in proportion to their length. They are ovate-lanceolate, acute or ac- uminate, dark green and lustrous on the upper surface, pale and often fer- rugnious on the lower. The usually broadened base is rounded or cordate. The color of the bark is chestnut brown. The aments or catkins appear in early spring, before the leaves, and the seeds are distributed about the end of May or early June, covering the ground with their snow-white cottony envelope. The wood is light, soft and close-grained, but is not strong. The heart wood is light brown and the sap- wood white. Its specific gravity is 0.3635, a cubic foot weighing 22.65 lbs. [pounds] The leaf buds are saturated with a yellow, balsamic, sticky, exudation, which gives the tree its specific name. P. balsamifera, variety candicans cultivated as a shade tree, differs from the common form in its more spread- ing branches, forming a broader and more open head, in its broader, heart- shaped leaves, which more closely serrate with gland-tipped teeth, more or less pubescent or hairy when young, and at maturity paler on the lower sur- face. It seems to be still uncertain as to whether this is entirely an intro- duced variety or is indigenous. The name Balm of Gilead often applied to this species is derived from the healing virtues ascribed to the balsam of its leaf buds. It was often planted for this express purpose, and was held in high esteem by the amateur physicians of older days. Various preparations of it were recommended by the recipe books, which had such vogue before the day of the doctor and patent medicines. One which lies before us at the present time gives a Balm of Gilead salve pre- pared with tallow, balm of gilead buds and other ingredients which is stated to have been in use in this country about forty years with the greatest success. Two other trees which have also borne the name P. balsimifera are western species, which are now gener- ally known as P. angustofolia, James, the narrow-leaved poplar or black cot- tonwood, and P. trichocarpa, Hooker, also called black cottonwood or balsam cottonwood. The former is distinguish- ed by its long narrow leaves, lanceo- late or ovate-lanceolate and green on both sides. It is a small tree, not usually more than fifty or sixty feet in height and rarely exceeding eighteen inches in diameter. The slender erect branches form a narrow and usually pyramidal head. The bark is light yel- low green. The wood is light, soft and weak. Its range is from New Mexico to Southern Alberta in which latter it is found along the Milk and Belly rivers and their tributaries and also along the Bow river. P. trichocarpa is the most westerly species, being found on the Pacific coast from Alaska to California. In British Columbia it occurs in the val- leys of the Columbia and Fraser rivers. It is stated by Dr. Dawson, that this tree was used by the Indians of British Columbia for the manufacture of can- oes and the roots were formerly used by the Indians of Oregon and Northern California for making hats and baskets. The leaves are usually broadly ovate, acuminate, rounded or cordate at the broad base, dark green on the upper surface, palle ferrugineous or silvery on the lower, while the seed pods are tomentose or wolly. This tree reaches 200 feet in height, with a diameter of seven or eight feet. The specific grav- ity of the wood is 0.3814, a cubic foot weighing 23.77 lbs. [pounds] --- INSURANCE TERMS MADE PLAIN Technical Expressions Use by Agents Translated into English The April World's Work, which is a special life insurance number, gives the following definition of insurance words and terms which every policy holder ought to know: "A level premium is a premium which is the same at every payment; that is, which becomes no greater as the policy holder grows older. "The reserve is the excess amount charged in the early years of level pre- mium policies to offset the failure to in- crease the premium during the later years. This reserve is invested by the company, and the proceeds from it make up the deficiencies in the later premium payments. "The annual surplus is the excess amount paid in by policy holders above the sum paid out in death claims, and in expenses of management plus the in- terest earned by the reserve above the percentage of the requirement. "Dividends are the portion of the sur- plus divided among the policy holders. "Deferred dividends are dividends that are not distributed among the policy holders annually, but are held by the company and paid to the policy holder at longer periods, usually twenty years. "A surrender is the act of a policy holder in giving up his policy for a con- sideration from the company. "The surrender value, or cash sur- render value, of a policy is the amount the company agrees to pay if the policy holder surrenders his policy. This is less than the sum that he has paid in pre- miums. "A participating policy is one entitling the policy holder to share in any divi- dends that the company may pay. "A non-participating policy is one that gives the holder no right to dividends. "An annuity is money paid back annu- ally to a policy holder at stated intervals after a certain date, in consideration of the money that he has paid into the com- pany. "Installment policies, return premiums, gold bonds, and other similar arrange- ments are varieties of annuities in combi- nation with life insurance. "A tontine policy is one on which the holder receives nothing if he fails to keep up his premium till he dies. "Term insurance is insurance for a specified number of years. The amount for which the policy holder is insured is paid only in case he dies before the expi- ration of the agreed term. "Renwewable term insurance is term in- surance with the additional privilege of renewal of the policy at the end of the first term or succeeding terms of years without further medical examination." ---
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