ENCOURAGEMENT OF PRIVATE FORESTRY. 215 
and Communities to their servants. The Insurance Societies 
demand such high annual premiums from an individual that he 
cannot pay them. The attempt has, therefore, been made to 
obtain more favourable conditions, either by the establishment 
of a special fund, or by the Society making terms with an 
Insurance Company. ‘This is a very difficult question, and has 
taken years of consideration to obtain a very small insight into it. 
At present the matter stands thus, these two propositions exist, 
each of which in its own special way has pretty much the same 
object in view. By payment of ro to 12 per cent. of the wages 
(according to age) it is expected that the forester would after ten 
years, provided he was incapacitated, be entitled to a pension 
equivalent to a percentage on his usual wages, commencing at 
33 per cent. and rising gradually to 75 per cent. It is also 
expected that the forest proprietor will pay half of the premium, 
or more, provided he is satisfied that the forester is insured. It 
is to be hoped that this problem, which is very important for 
the great mass of private forest officers, will be brought to a 
satisfactory solution during the current year. 
May these lines contribute towards the undertaking of similar 
operations by the Royal Scottish Arboricultural Society. 
