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OUR KNOWLEDGE OF
CENTRAL NEW YORK
AT YOUR DISPOSAL

The thorough knowledge of Central New York and its people which the Utica Trust & Deposit Company has gained during its 23 years of uninterrupted service here places it in a position to handle advantageously the Utica and Central New York business of banks, trust companies and individuals in other cities.

Open Monday Evenings until 8 o'clock

Our services in all matters of banking and trust are cordially placed at your disposal. Correspondence promptly attended to.

UTICA TRUST

& DEPOSIT COMPANY

GENESEE & LAFAYETTE STS.

EAST SIDE BRANCH BLEECKER & ALBANY STS.
UTICA, NEW YORK

The Real Estate Title Insurance and Trust Company of Philadelphia

513 CHESTNUT STREET
Across from Independence Hall

BROAD STREET OFFICE
45 S. BROAD ST. (Lincoln Building)

THE OLDEST TITLE INSURANCE COMPANY IN THE WORLD

Capital, Surplus and Profits $5,400,000.00

Incorporated in 1876, this Company has issued over 322,000 policies of title insurance and has accumulated information which enables it to execute work with unequaled accuracy and promptness.

Executes trusts of every description.
Lends money on installment and term mortgages.
Rents safes in its burglar proof vaults.

DANIEL HOUSEMAN,

Becomes security for persons acting in fiduciary capacities. Receives money on deposit and allows interest. Buys and sells real estate and assumes the management thereof. OFFICERS

FRANCIS A. LEWIS, President

Vice-President and Treasurer

A. KING DICKSON,

Vice-President and Trust Officer

OARLEY COWDRICK

Vice-Pres. and Mgr. Title Dept.

CHARLES S. KING,

JOHN H. FAIRLAMB, Assistant Treasurer
AARON L. DEETER, Assistant Trust Officer
FREDERICK W. BUCH, Assistant Treasurer
LEFEVRE W. DOWNING, Assistant Secretary
WILLIAM MC KEE, JR.,

Assistant Manager Title Department
S. EUGENE KUEN, Title Officer
EDWARD E. PAXSON, Real Estate Officer

DIRECTORS

Secretary and Assistant Treasurer

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Surplus and Undivided Profits, $3,340,859.87

BROOKLYN TRUST COMPANY

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Dependable Title Services

Thirty-five years' experience in appraising New York City Realty qualifies this Company to render invaluable services to out-of-town Banks and Trust Companies in all matters pertaining to Titles. The Trust Services of this Company are constantly being utilized by many prominent financial institutions throughout America.

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FIRST GROUP PICTURE OF PRESIDENT COOLIDGE WITH MEMBERS OF HIS OFFICIAL FAMILY Seated, left to right: Postmaster-General New; Secretary of War John W. Weeks; Secretary of State Charles E. Hughes; President Coolidge; Secretary of the Treasury Andrew Mellon; Attorney-General Daugherty, and Secretary of the Navy Edwin Denby Standing, left to right: Secretary of Commerce Herbert Hoover; Secretary of Interior Work; Secretary of Agriculture Wallace, and Secretary of Labor Davis

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EXECUTIVE COMMITTEE OF THE AMERICAN RED CROSS WHICH DIRECTED THE NATIONAL RELIEF FUND CAMPAIGN IN BEHALF OF THE VICTIMS OF THE JAPANESE EARTHQUAKE DISASTER

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Endorsed by the Executive Committee of the Trust Company Division, American Bankers Association

Bol. XXXVII

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GOVERNMENT: SERVANT OR MASTER?
RESTORING OUR CONSTITUTIONAL HERITAGES

O arrest the rising tide of social, and political unrest is the supreme, imperative task which faces this nation. Organic law and the heritages of individual freedom are threatened by ill-advised and revolutionary expedients. The Supreme Court is to be stripped. of its power to sustain the Constitution in order to become servile to political and legislative despotism. The system of "capitalism" which rewards initiative and enterprise, gives impulse to progress, develops resources and stimulates the spirit of selfreliance, is to be destroyed. Through a. bewildering multiplicity of regulations, restrictions, commissions and hordes of bureaucratic officials a Colossus of Government is being reared which will be the Master instead of the Servant of the people, controlling their political destiny as well as their business, social and moral conduct.

There is but one "road away from revolution" and this American brand of Sovietism. It is no longer merely a matter for academic debate or doctrinal conflict between opposing schools of political and social philosophy. It is not a question of allegiance to the Republican or Democratic party. The enemies of this Government who would discard the Constitution as a "scrap of paper," who would debase the

authority of our highest courts, violate property, submerge personal rights and set up a new hegemony with communistic objectives, are pursuing their deliberate course of destruction through organized and systematic although devious channels.

It is not the obvious, the sporadic and surface symptoms of malignant political and social growths that are most to be feared. There is a far more serious challenge to American democracy and institutions than the activities of 1,500,000 "Reds," the paid agents of the Moscow Third Internationale, the Communist Party of America, the I. W. W.'s "parlor pinks," and similar mongrel breeds, mostly of foreign extraction. Any real menacing gesture from such sources. would meet with quick suppression.

A more insidious danger to the integrity of our constitutional system of government is the growing undercurrent of contempt for law, lack of reverence toward the Constitution and of faith toward the judiciary to which a large circle of our people subscribe. This is not wholly due to political torpor, timidity and indifference to public duties which renders so large a part of our citizenship politically impotent and slow to secure redress. It is chiefly because of the progressive misdirection of the functions of government, both Federal and

local, during the past two decades. Indeed, such government has become hostile to the ideals of citizenship and freedom.

Precisely as the simple story of Christian salvation has been distorted out of all semblance of the original by centuries of doctrinal and denominational interpretation, so have the wonderful truths of political justice and freedom embodied by the Fathers in the Constitution, been twisted or obliterated by blind reliance upon a multitude of laws that are not only unenforceable but breed open as well as "passive resistance." Whichever way business turns it meets the blighting hand of government regulation. Virile, honest competition has given way to subterfuge and profiteering in places high and low.

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Within the past sixteen years 132,000 new laws have been put upon the statute books. During the last legislative year alone 12,000 new laws were enacted in forty-three States. Because of extension of government functions, there are now 40,000 elective Federal, State and county officers and 2,000,000 paid officials. Approximately 15,000,000 people now receive their support directly from the various Federal, State and local governments. Taxes, hastily devised during the hectic days of war, have been multiplied to sustain this non-productive part of our population. Hundreds of millions of capital employed in industrial and productive channels have been diverted into government tax-exempt securities as a means of avoiding heavy suxtaxes. Revenue required by the Federal Government has increased from $1,044,000,000 in 1917 to $3,753,000,000 for the last fiscal year. Our National debt has increased from one to twenty-two billions, and thus we find that 13 per cent. of our living cost goes to support government.

Shall government of, for and by the people become a myth? Shall our free institutions perish and the destiny of this Republic be left to organized, vociferous minorities, "secret empires" and berded masses of illiterates? Shall individual and property rights yield to a state which more and more dominates every sphere of activity? Surely, the time has arrived when the people of this Nation must retrace their steps and renew faith in the Magna Charta of our Government which was based upon a true conception of self-reliance and self-respect.

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There has come upon us a revolutionary change in the popular attitude that the Constitution has attained its final and irrevocable form. After an interval of many years since the Civil War there first came the income tax amendment, followed by the amendment providing for election of United States Senators by direct popular vote, and soon after the prohibition and woman suffrage amendments. At the last session of Congress there were 109 measures introduced to alter the Constitution.

Two proposals have recently been advocated which, in effect, would emasculate the power of the Supreme Court and make the Constitution the football of politics. One is a bill forbidding the Court to hold an Act of Congress unconstitutional by a majority vote of 5 to 4 and requiring a vote of at least 7 of the 9 justices, which would in fact create minority rule. The other proposition is an amendment which would provide that when the Supreme Court holds an Act of Congress unconstitutional it may be repassed by a two-thirds vote of the Senate and House.

These proposals to destroy both the integrity of the Supreme Court and the Constitution are urgently supported by organized labor and so-called Progressives in Congress. It is no secret that organized labor has been taught that the Constitution, as interpreted by the Supreme Court, is the most formidable obstacle to achievement of the aims of union labor. "Progressives" in Congress of the LaFollette, Brookhart, Frazier, et al., type, regard 'the Constitution as an obsolete, primitive document that stands in the way of contemporary needs of political, social and industrial reforms. Needless to say, the entire rabble of radicals from the anarchistic to the dilettante reformer type, would like to see the Consti

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