REFERENCES 213 



8. Point out the chief flaws in the early Dakota scheme. Why was the State 



never able to pay the losses in full? 



9. Explain at length the workings of the Alliance Hail Association. What 



principles are illustrated by the experience of this company? What 

 about the use of "middlemen" in selling insurance? 

 10. What is the present tendency in hail insurance administration? 



QUESTIONS SUGGESTED BY THE TEXT 



1. Should state hail insurance of growing crops be assessed on all farm lands, 



including pasture lands? 



2. Is insurance a proper function of the State? If so, should it be voluntary 



or compulsory? 



3. Should mutual companies operate on the level premium plan or on the 



assessment plan? 



REFERENCES 



1. For North Dakota experience with State Hail Insurance, consult 

 biennial reports of Commissioner of Agriculture and Labor, Bismarck, 1911 

 and following years. 



2. VALGREN, V. N.: "The Organization and Management of a Farmers' 

 Mutual Fire Insurance Company." Bulletin 530, United States Department 

 of Agriculture, Washington, May, 1917. 



3. : "Prevailing Plans and Practices Among Farmers' Mutual 

 Fire Insurance Companies." Bulletin 786, U. S. Department of Agriculture, 

 1919. 



4. Other publications of the U. S. Department of Agriculture: "Cotton 

 Warehouse Construction" (Dept. Bulletin 277); "Modern Methods of Pro- 

 tection Against Lightning" (Farmers' Bulletin 842); "Fire Prevention and 

 Fire Fighting on the Farm" (Farmers' Bulletin 904); "Farmers' Mutual Fire 

 Insurance" (Separate 697, Yearbook 1916). 



