452 ANNUAL REPORT OF THE Off. Doc. 



The only instance where this fund can be drawn upon by the bank 

 is where some borrower defauLcs in his obligation and the associa- 

 tion is unable to collect his obligation at law. In such an instance, 

 the loss would first fall on the individuals and then would be distri- 

 buted equitably among his associates in business. The person who 

 seeks to encourage farmers to go into an organization whereby they 

 are supposed to gain all the rewards and some other man shall pay all 

 the losses, is either dishonest with himself or is trying to deceive his 

 followers. It is an apt case where the blind is attempting to lead the 

 blind. 



GOVERNOR BRUMBAUGH: I think you will join with me in 

 expressing our sincere thanks to Mr. Moss for this very interesting, 

 informing and lucid address. If that is the type of men they are 

 bringing up in Indiana on the farms, we had better look to our seed 

 in Pennsylvania. It is a real pleasure, Sir, to have had you here, and 

 on behalf of this great body of representative citizens, I thank you 

 again and again. Is there any further business before the body to- 

 night? If there is nothing more, the meeting stands adjourned. 



January 27, 1916, 9 A. M. 



Vice President Fenstermacher in the Chair. 



The CHAIRMAN: The meeting will please come to order. We 

 have this morning reports of Standing Committees and Specialists, 

 continued, and first on the ])rogram is the report of the Ornithologist, 

 Dr. Joseph Kalbfus, of Harrisburg. 



DR. KALBFUS: I do not know why I was selected as Ornitholo- 

 gist; but I am going to make a slight report on the value of birds 

 and the failure of the farmers to do what they ought to do for the 

 birds. Then I am going to touch for a minute on predatory birds and 

 insist that there are lots of such birds all around us that were not 

 raised in nests or tree tops and never wore feathers. 



I listened to an address last night on how the farmer is to pro- 

 ceed, how he has got to put his corn in and get money on it and all 

 that. But he has first got to raise the corn, he has first got to get 

 a crop, and the subject I am going to talk about, through which I 

 believe that the man engaged in it is injured and bled to a greater 

 extent that anything on the farm, and that in the dairy business you 

 can raise your cattle, have your buildings and give them all the care 

 you please, and when the time comes, you come to the creamery or 

 some place else and your profit is all taken. It is foolish for us to 

 sit here and talk about it and then do nothing. I am interested in a 



