VOLUME VIL Knows Ritual by Heart Spokane, Wash.—Our camp is in a very prosperous condition, taking in new members at all meetings. It seems to me the most beautiful and impressive part of our camp work is this: Our oracle has the work all com- mitted from the opening of camp until its close. To hear her give the work in her unassuming way makes one feel as though it paid her to come to camp. Our team has gone to Cherny to put on the work and report a grand time. Mrs. L. A. VALENTINE, P. O. a a Doing Good Everywhere Hurdland, Mo.—Maple Leaf Camp 3640 meets in I.0.0.F, hall the second and fourth Wednesday nights in each month. We have twenty-three mem- bers in good standing and will take in three more at our next meeting; one beneficial and two social, We have had several suppers to help us in our funds. We have a good oracle, who tries to do all she can for the camp.. We are proud to belong to an order that is doing so much good every- where. Mrs. MILLIE SHAHAN, Recorder. eM All Right at Austin Austin Camp 3959 invited Chicago Camp 3610 to visit them on the evening’. of July 7 and conduct the meetings. Six candidates were initiated and the beautiful way the work was put on would have satisfied the most critical. We feel very grateful to them for their kindness in coming into our camp and extending a helping hand. It was in- deed a very helpful evening to all. On the evening of July 21 the business meeting was dispensed with and our doors were opened wide to all Modern Woodmen, Royal Neighbors and friends. A splendid evening was _ en- joyed by all. We had as guest our Supreme Physician, Dr. E. Frane Mor- rill, of West Pullman, Ill, who de- livered a very beautiful address. We hope all Royal Neighbors in other dis- tricts are as proud of their Supreme Physician as we are of ours, for she is ever ready and willing to help, and through our grand paper we wish to thank her and hope this visit will be onl one of many. Mrs. Mary L, Ginpnrer, Recorder. ww They Wish Representation Poynette, Wis.—Maple Camp 1453 is a hustling little camp largely made up of social members and the most of the work of the camp-room is carried on by them. Our. beneficial members are those who have family cares and du- ties which make it impossible for them to undertake the work. And now may I tell you our grievance. We have never in our five years of existence been able to be represented at the conventions. Those eligible to that position are. unable to attend and the others are not allowed to be delegates. Must this always be so? Our entire camp ask for some change in the by- laws making it possible that any faithful member may be a delegate. We have been very fortunate this year, having carried off the first prize for the best drill team at our M. W. A. county picnie and by our work so ADDRESS ALL LETTERS TO ROCK ISLAND, ILLINOIS io et PSR RRR ag iG ST ee SNA a a poets roe ; Fd $s S V rX\ i pleasing our brother Woodmen that they hired us to give it at the Fourth of July celebration in our own town, Besides this, we are to have the picnic here next year. ORACLE. we ee Aided Their Sick Shawnee, Kan.—Shawnee Camp 3482 would like to be heard through the columns of our dear lodge paper. We are not so very old as yet but we are growing a little. We expect to ex- pand rapidly in the near future. Our oracle, Mrs. E. M. Sautter, has been quite ill and we missed her sadly when we met, but she is able to meet with us once more and that gives us We would like to tell of a few things we have done in our camp. We have taken part with the Woodmen two or three times in giving balls and suppers which have proven highly satisfactory to both renewed courage. SEPTEMBER, 1905. /sugar. Ge eat es ee (SS oie Oe ey Pa ne oie, § the consideration of speculators, and_ it is a condition verified by actual — results that the average certificate maturing at death is greater than the ~ average certificate held by an organi-. zation. This means that consciously, — or otherwise, there is an adverse selec- — tion against insurance organizations and that the larger the contracts un- derwritten the larger will be the ad- verse selection. The fraternal societies limit themselves to modest amounts in their certificates and therefore they do not offer the attractions to the speculator or to the plunger which are _ held out by inSurance companies which tssue their policies for hundreds of thousands of dollars on a single life. —Exchange.