[Volume XXVli
THE CHICAGO BANKER
28
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—*	________1055 Old Colony Building, Chicago____________
All Forms of Surety and Casualty Insurance in One Company
ROBERT B. ARMSTRONG, President
OFFICES: Entire 18th Floor, Majestic Bldg., Chicago, U. S. A.
may expect anything doing if he shall present less than the prescribed three-fifths of the piece of currency. But the national government, still liberally disposed toward Roe and Doe, will accept a fragment that may be less than three-fifths, but clearly more than two-fifths of the original note, paying just half the value of the original bill, however, as penalty for the accident.
In the case of James Brown Smith, Esq., known and respected in his home city, he may recover the full value of his note that is under two-fifths measure, provided he will appear before an officer of the law qualified to administer oaths and make affidavit as to time, manner, and place in which the mutilation was accomplished. This affidavit will be attested by the official seal of the officer, who also must be prepared to attest in like manner the good character of the affiant. Except in the above instances insufficient portions of a note, or notes are returned to the person presenting them for redemption. Paper currency which has been destroyed, totally, is not redeemable under any circumstances.
At the window of Cashier Russell in the Chicago subtreasury the other day a small messenger from a South Clark Street house laid down two ends of two $10 bills, with the explanation that his employer would like to have them redeemed. In explanation the boy said that a woman had come into a store with a $xo bill and a customer had grabbed for the money, leaving the two ends in her hand and carrying away the middle of the note. The two ends would have constituted a probable two-fifths of a single note—but unfortunately for the small messenger’s story, they were the same right hand ends of two separate kinds of currency.
Which recalled to Cashier Russell the time that three men came in with a delegated spokesman holding three split bills, torn almost exactly down the middle for their full length. The story of the spokesman was that some one had snatched at the bills in the spokesman’s hand and escaped with the remnants.
The cashier had just referred the trio to the redemption window when two other fellows appeared at his desk with a similar story of a money snatcher, who had made his getaway. And at a glance Mr. Russell saw that they were the other halves of the other three bills.
Doors were locked on the instant and a mo-(Continued on page 31)
yet fully realized. It stands ready, its power now going to waste in our mountain streams, to make all our farming region suburban in its character.
The rural mail, the telephone, the trolley, the automobile, are all ready to help in the work of marketing.
I believe you will now agree with me that the possibilities for greater yields and increased acreage are beyond our comprehension.
But what are the possibilities for the farmers themselves? What forces, if any, are operating to develop co-operation, leadership, character, patriotism? What type of man and woman is being developed under our conditions? These questions are easily answered by a study of any of our older agricultural regions. Careful investigation is not necessary to show the premium nature pays for careful work, nor is it hard to see how strongly she insists on co-operation. The best training school in co-operation and self-government yet devised is the co-operative irrigation enterprise, and thousands of such schools are teaching their lessons daily. No other region places such a premium on leadership because under no other system of agriculture are there such possibilities for individual initiative. The western man and woman are already known for their aggressiveness, their courage, their culture, versatility and deep patriotism. Now supplement the influence of our exceptional environment with the work of our splendid school system. Note what has already been accomplished and then imagine the possibilities for human development in our splendid state, and I believe you will accept the statement of the editor of one of our great agricultural papers, that “The best type of American manhood and womanhood will be developed in the irrigated regions of the West.”
Redeeming Torn Currency
In the hands of John Doe, or Richard Roe, any mutilated note of legal tender in the United States is redeemable at its face value, provided a clear three-fifths of its physical surface be presented at the redemption window of the United States Treasury Department.
Doe, or Roe, may have to submit to a little questioning, perhaps, as to how he got it, or how the accident happened, lopping off that other two-fifths. But if he doesn’t stammer and choke, or attempt a clean cut for it, he’ll get the full value of the mutilated bill.
By inference, then, neither Doe, nor Roe,
The Agriculture Possibilities of Colorado
(Continued from page 25)
The small fruit industry is barely started m Colorado, and when well developed will bring an annual revenue to the state of many million dollars.
In some sections of Colorado where seepage is heavy and the soil badly alkalied, the land has been producing year after year crops of celery worth $400 to $600 an acre. This industry is new, but has been growing rapidly and Colorado celery is wanted through half the United States. Cauliflower and cabbage give exceptional yields of the best quality. Asparagus growers are getting from $300 to $500 per year per acre, with an enormous unsupplied demand.
A large part of the flour used in Colorado is made from wheat grown in other states. Yet the average yield of wheat in northern Colorado is 35 bushels an acre, and yields of 50 to 60 bushels an acre are common.
When the state has a sufficient number of farmers, it will not only produce its own flour, but will ship out millions of dollars worth annually.
The lands in the high altitudes of Colorado are particularly adapted to producing large yields of oats of exceptionally heavy weight. Seventy-five bushels per acre is an average under good farming, and yields above 100 bushels are frequent. Some day, Colorado will supply the world with a large quantity of its best oat meal.
Coming now to the facilities for marketing the fruits of this labor, surely the farmer of Colorado is well favored. Our climatic conditions make road building and up-keep easy; so easy, in fact, that as a rule both are overlooked. Nature has provided him with the basis of a growing market near at home. The immense mineral resources of the state, its building stone, its clays, its coal beds, and its thousands of horsepower of cheap energy available in its waterfalls will make this a great mining and manufacturing region. This means densely populated centers and a large consumption of farm products. For his choice fruit and other specialties the market limit is set only by the possibilities of transportation.
The railroad facilities of the state are good and are constantly improving. The present activity in railroad building shows how much confidence the managers of these companies have in the development of the state. The possibilities of the interurban trolley are not