308 STIMULANTS AND NARCOTICS 



Please note that bartenders are positively not taken, and 

 saloon keepers tending bar occasionally are therefore unac- 

 ceptable. Only saloon keepers of the best class, very tem- 

 perate in their habits, not tending bar, and enjoying the best 

 moral surroundings which the business permits, will be taken 

 at all, and only on 10 and 15 Year Endowment G. C. V. 

 policies. It is useless to present cases not falling within these 

 limits, as not only will the applications be declined, but the 

 cost of medical examination may be charged against the agents 

 for their failure to observe the rule. 



It is also noted that there is a growing tendency to present 

 the applications of brewery employees for acceptance with- 

 out extra premium. In order that there may be no misunder- 

 standing on this subject, agents are hereby informed that the 

 only persons employed directly in connection with breweries 

 who will be accepted without extra premium are the financial 

 officers or officials seldom at the breweries, and employees such 

 as book-keepers, etc., whose work is performed in a building 

 apart from the brewery proper, or the place where the product 

 is stored or kept in bulk. 



General store-keepers everywhere, handling liquor at retail 

 as part of their business, if taken at all, will hereafter be 

 limited to dividend accumulation Endowment policies with not 

 more than 20 years to run, but no policies with return of 

 premium or with the Indemnity or Mortuary dividend feature 

 will be issued to this class of applicants. This limitation is 

 made necessary by the very excessive rate of mortality found 

 to exist among persons so employed." 



Experimental proof. The effects of alcohol upon 

 animal life have been experimentally studied by a num- 

 ber of scientists. One of the most interesting of these 

 studies is that made by Professor Hodge of Clark Uni- 

 versity. He selected four healthy dogs and for four 

 years allowed two of them to have regular doses of 

 alcohol. The results showed conclusively that the use 

 of alcohol made the dogs Weak and timid. They fell 

 ready victims to an epidemic, which they survived only 

 by the most careful nursing. Of their twenty-three 



