TiEIL MICIIGAN DAILY
w.. . ,+ w ..wrr. +.r!r ...
Y OFFICIA-L BULLEITIN
in the Bulletin is constructive notice tu all members of
ity. Copy received by the Assistant to the President until
11:30 a. m. Saturday,
SUNDAY, NOVEMBER 16, 1924 Number 47
New Literary Club for Non-Ptiblication Women:
The new literary club for non-publication women, which has recently
been organized, will hold their first meeting at 7:30 o'clock Wednesday at
the Green Tree Inn. Women interested are invited to attend.
Jessica Megaw.
Marion made three more. Rockwell
punted to Klee who fumbled. Brown
recovered on the Ohio. 38.yard line.
Garrill went in for Wilson. Rock-
well made fuor yards at left tackle.
Time out, for Tee Young. Watts
went in for Young at center for Ohio.
A long pass by Friedman went into
the arms of Rockwell on the Ohio
20 yard line. Rockwell dropped the
Michigan's 20 yard line. Hunt made
two yards.
Slaughter intercepted Hunt's pass
and raced 29 yards to' the Ohio 41
yard line. A pass Steger to Flora put
the ball on Ohio's 15 yard line. Mar-
ion made a yard then added anotherl
fumbling and recovering. It was
Michigan's ball on the Ohio 13 yard
line. Friedman went through right
for no gain. Rockwell punted't
on Ohio's 40 yard line, and he
off behind fine interference bu
nailed by Slaughter after he 1
turin(ld the ball to the Michij
I yard line.
m.
5
e to All Faculty Members:
he meeting of the Regents held February 25, 1921, the Board made the
ase of an annuity in the Teacher's Insurance and Annuity Association
ierica, a condition of employment in the case of all members of the
ties thereafter engaged except instructors of less than three years'
ig, with whom such purchase is optional.
nbers of the Faculties and others connected with the University can
at the office of the Secretary of the University full information con-
g their privileges and responsibilities with respect to life annuities.
nen policies, rate books, and reports of the Teachers' Insurance and
ty Association are on file for distribution. Ask for Mr. Buckley, A.s-
t Secretary.
University will contribhte equally with the members of the Faculty,
i certain limits, to the provision of the old age annuity. The faculty
er thus purchasing an annuity receives under such conditions 100 per
pon his contribution plus 4 per cent per annum on the entire sum in-
, and these accumulations are non-forfeitable to him in any case.
Shirley W. Smith, Secretary of the University.
irbor Art Association:
last opportunity to view the local Art Exhibit at Memorial Hall will be,
y, November 16th, from 2:00 to 5:00 p'. in.
tributors are asked to call for their exhibits Monday afternoon.
Warren P. Lombard, President.
s Attention:
must obtain your receipts for Senior Pictures for the 1925 Michigan-
before Thanksgiving. These receipts may be obtained at the Press
ng for Three Dollars. No pictures will be taken without receipts.
George L Pattee, Business Mgr.
's-School of Education:
junior Education class will hold a very important meeting Monday
5 p. in., in room 203, Tappan Hall. George Hacker, President.
of Directors-Women's Leagne:
nembers of the Board of Directors of the Women's League are expect-
be present at the meeting of the Board on Monday afternoon, Novem-
at four o'clock in Barbour Gymnasium.
Charlotte A. Blagdon, President of the Women's League.
males 123, Trade Unionism:
class will attend the lecture by Dr. Lillian M. Gilbreth on motion study
0 a. in., Monday, in Room 411 West Engineering Building
Carter Goodrich-
Classical Journal iClub%
The Classical Journal Club will meet on Monday, November 17, at 3:00
p. m., in L. B. 2014. Members of the faculties and the graduate seminaries of
the Greek and Latin departments are invited to attend.
Warren P. Lombard, President.
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PLAYBY PLAY ACCOUNT
(Continued From Page Seven.)
Marion barely failed to get a third
pass from Friedman.
A fourth pass " by Friedman to Ed-
wards failed to make connections.
The ball went over to Ohio on their
33 yard line. Ohio was warned for
stalling. A pass by Cunningham was
grounded. Karow made two yards
through right guard. Hunt added one
at left guard stopped by Edwards.
On a punt formation Jenkins muffed
the pass from center and his hurried
punt went outside on the Ohio 32
yard line.
Rockwell made a yard at center.
Steger again muffed a pass from
Friedman on the Ohio 15 yard line.
Friedman was nailed for a five yard
loss on a pass formation by Schulist.
It was Michigan's tall on their own
41 yard line. A beautiful pass by
Friedman was incomplete on the
Ohio five yard line. It was Ohio's
ball on its own 40 yard line.
Hunt's pass bounced off an Ohio
player's hands into Rockwell's arms
on the Ohio 46 yard line.
Friedman made ten yards and first
down on the Ohio 37 yard line. Steger
made two yards at right end. Another
pass Friedman to Steger was Incom-t
plete. Klee went in for Hunt at left!
half for Ohio. Herrnstein went in
for Steger at right half for Michigan.
A pass. Friedman to Marion was in-
complete. Friedman's pass to Grube
was incomplete.
It was Ohio's ball on their 36 yard
line. Karow made one yard at the
line. Friedman and Steele stopped
Klee for a four yard loss at left end.,
Klee punted to Rockwell who was
downed on the Michigan 19 yard line.
Herrnstein stumbled around left end
for two yards. Friedman added 3
at right end.
He was tackled around the neck and
was injured in the play, but he re-
mained in the lineup. Rockwell
punted to Hunt who was spilled by
Edwards on the Ohio 40 yard line.
Steele nailed Klee for an 8 yard loss'
behind the right side of the line. Ed-
wards nailed Hunt for no gain. Klee
punted to the Michigan 22 yard line,
where the ball was downed by an Ohio
player as the half ended. Score: Ohio
6, Michlgi an 0.
Third Quarter
.Hunt kicked off to Steger who went
in for Herrnstein at the beginning
of the seqond -half. Steger returned
to the 20 yard line. Rockwell punted
I ____________ _ _ __
VARSITY BASKETBALL
Varsity basketball practice
will be held in the Yost field
house tomorrow night. Bring
your uniforms from Waterman I
gymnasium. Report ready for
practice at 7:3'0 o'clock sharp.!
E. J. MATHER,
Coach.
to the Ohio 44 yard line. Hunt made
a yard at right guard. Karow broke'
through center for six yards. A pass
Cameron to Cunningham netted one1
yard. Hunt's poor punt was dead on
the Michigan 36 yard line. Marion
made three yards at left guard.
Cameron knocked down Friedman's
long pass. Another pass Friedman to
Rockwell was incomplete. Rockwell
punted to Klee who was downed by
Grube on Ohio's 24 yard line.
Flora nailed Klee for a two yard
loss. Klee punted to the Michigan 44
yard line where the ball rolled dead.
Steger was stopped by Jenkins for
a six yard loss. A long pass Fried-
man to Grube put the ball on the Ohio
42 yard line. Another pass Friedman
to Grube lacked six inches of a first
down on the Ohio 32 yard line.-
Time out for Ohio. Marion plunged
through for first down on Ohio's 27
yard line. A pass Friedman to Rock-
well was incomplete. On a fake pass
F riedman made four yards at right
tackle. Friedman's low pass was in-
tercepted by Clark who returned the
ball ten yards to the Ohio 19 yard
line.
Karow made five yards at right
tackle. He was stopped for no gain
by Hawkins. Klee made three yards
at left tackle. Klee punted to Stegerk
who returned the ball five yards to
the Michigan 49 yard line. Rockwell
tore around right end and down the
side lines 25 yards.
Friedman's pass to Rockwell was
good for .eight yards, putting the bal
on" Ohio's 17 yard line for second
down. Wendler went in for Clark at
right half for Ohio.
Rockwell was stopped for no gain at
right end. Marion made it first down
on the Ohio 15 yard line.
Time out for Kutler. With Fried-
man holding the ball on the statue
of liberty play Rockwell ran around
left end to Ohio's six yard line as the
quarter ended. Score: OhIo 6, Michi.
gan 0.
Fourth Quarter
There was a foot to go for first
down. Marion took the ball to Ohio's
two yard line for first down. Marion
fIli e through right guard for a touch-
down. Rockwell kicked goal putting
TMichigan in the lead by one point,
core: Michigan 7, Ohio 6.
Klee kicked off across the Michigan
goal line, Michigan took the oval on
her own 20 yard line. Marion went
through left guard for three yards.:
ball when tackled hard, Ohio recov- tackle for three ' yards. On a fake+
ered on its own 22 yard line. Time drop kick formation Marion went for
out for Rockwell. He resumes play. first down on Ohio's six yard line.
inter- Rockwell went around right end for
Cunningham's long pass was aotertucdoteSor:ri-ia
cepted by Rockwell who returned 15 another touchdown. Score: Ajchdgan
yards to the Ohio 31 yard line. steger 16, Ohio 6. Rockwell's kick for extra,
point was blocked.
failed to gain at left. atScore: Michigan 16, Ohio 6.
Marion made two yards I Klee kicked off across the Michi-
gur.F da's pass over center .
gard.ncFriedmnspasoercne gan goal line, the ball going to Mich- I
was incomplete. tigan on Ohio'sh20 yard line. Marion
With Friedman holding the ball on made two yards. Steger was stopped
the Ohio 40 yard line Rockwell boot.
ed a long placement between the Ohio
goal posts. Score: Michigan 10, j'
Cunningham's pass to Hunt w;
wild. Time out for Ohio. Stamm,
intercepted Cunningham's hurrii
pass on the Ohio 45 yard line.
Final Score: Michigan 16, Ohio 6.
London, Nov. 15.-Ramsay MacDo
aId is contemplating a visit to Am(
ica on a holiday after his hard gri:
of nearly a year as Labor prime mi
ister.
Re ad the Want A
O11io 6.
Kunow replaced Edwards. Rock-
well kicked off to Watts who was
downed by Steele on his own .28 yard
line. Brown knocked down Hunt's
pass. Herrnstein went in for Fried-
man. Stamman for Marion. Cunning-
ham's long pass was grounded.
Hunt's pass trickled off Cameron's
fingers to Steger's arms on the Mich-
igan 37 yard line. Marion was
stopped for no gain. Steger made a
yard. Rockwell punted to Hunt who
was stopped in his trcaks on the Ohio
24 yard line.
Cameron's pass to Garrill was in-
complete. Freidman stopped Klee for
a five yard loss.
Hunt broke away around left end
and ran, 55 yards putting the ball on
RP'H. ;
STARTING
TODAY
r
"The Code of the Wilderness'
With
JOHN BOWERS
ALICE CALHOUN
ALAN HALE
CHARLOTTE MERRIAM
OTIS HARLAN
Directed by David Smith, the Man Who Made
"Captain Blood"
Also CHARLEY CHASE in "JEFFRIES JR."
TIME'S FLYING-
ORDER NOW!
SChristmas Greeting Card
NEW SAMPLE BOOKS AT YOUR SERVICE
BOOK STO
s
TY
RE
Monday at 11 o'clock in Science Auditorium. Examina-
'k of running water. Win. H. Hobbs.
November 19 at 4:30 B173 N. S. Building. Paper by
ly of irregularities in Mendelian rations of Oenothera."
B. . Davis.
-"A
What About Small
Night":
:lasses in Shakespearean Reading
th Night," Monday, November 17,E
ersity Hall. The public is invited.
will give a recital of
at 7:30 p. m., in the
L. Eich.
Checking
Accounts?
[rgan Reotal (Postponed:)
will be no' recital Wednesday afternoon. Instead Mr. Palmer Chris-
give a recital Sunday afternoon, November 23, at 4:15 o'clock.
Charles A. Sink, Secretary.
riage of Figaro":
s "The Marriage of Figaro" will be given in the Choral Union
Hill Auditorium, Wednesday November 19, at 8 o'clock. The opera,
staged, and produced under the personal direction of Wihli'am
shaw, will be under the musical. direction of Ernest Knoch. The
aracters is as follows:
NT ALMAVIVA .......... .... .... .Alfredo Valenti..
NTESS ALMAVIVA.......... .................Clytie Hine
Count's man servant (formerly the barber of Seville).........
.......................Pavel Ludikar
, Countess' maid .......... .Editha Fleischer
NO, page....................... .....Celia Turrill
[LIO, music teacher of the Countess..............Ralph Brainard'
POLO, former guardian of the Countess ........Herman Gelhausen
-INA, Bartolo's housekeeper......................... Celia Turrill
gardener ....... ............. Herman Gelhausen
ZIO, Justice of the Peace. ...............Ralph Br-inard
Charles A. Sink, Secretary.
lee ChIO:
'ill be a rehearsal Monday evening' from 7-8, at the School of Music
n, after which there will be a get-together smoker at the Union.
Carl B. Schoonmaker, Manager.
elloquinm:
ysics Coloquium will meet at 4:15 p. in., Tuesday November 18, in
Physics Building. Dr. R. V. Zumstein will speak on "The Absorp-
tra of some Metallic Vapours in the Ultra Violet." All interested
d to attend. R. M. Randall.
11
Frozen
Radiators
y
11
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3I
;II
4I
{
FRESHMAN BASKETBALL
All candidates for the fresh-
man basketball squad will re- :
port at Waterman gymnasium
Monday' night at 7:30 o'clock.
Bring own equipment. I
COACH RAY FISHER.
(
:)
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FRESHMAN NUMERALS
Winners of Freshman cross
country sweaters should report C
at the field house any afternoon
from 3 to 5 o'clock next week
except Saturday, to get measuredI
for their jersies.
November meeting of the Club has been postponed
vember 19th, to Friday, November 21st.
T. H. Hildebrandt, Secretary.
from
7cials Carry'
900 To Columbus'
e than 900 tickets were sold for
I trains going- to Columbus,
yesterday, 'according to officials
Ann Arbor railroad. Five spe-
eft Ann Arbor, two of which left
y night and three more Saturday
ng, The ticket sale was heavy,
r when many students decid-
go to the game at the last
z.
trains left Columbus last
at 6:30 and at 11:45 o'clock
e return trip, arriving in Ann
after midnight and early this
ETERANS ON TANK SQUAD
Continued From Page Six.)
will be back after Christmas
ampson, freshman star of last
i
Warped
Disp ositio n115
Inj ured.
Pocketbooks
All because someone for-
got to put alcohol in the
radiator before the Freeze.
Do it now.
Denatured Alcohol
Any quantity
at
C. CLAUDE DRAKE'S
Drug and Prescription
Store
VERY bank has a great number of small checking
accounts, having uniformly small balances, which it car-
ries purely as a -matter of convenience to its depositors.
They are carried free of charge for the most part, and
for the depositor this is a very desirable service.
But from such accounts it is impossible for the bank
to derive a profit. An accountwith an average daily
balance of $50 against which fifty checks are drawn in
the course of the year is actually carried at a loss. Quoting from Mr.
John F. Tufts, President, Union Market National Bank, in the
October number of the American Bankers' Association 'Journal:
"In many large city banks it is rapidly getting to be physically impos-
sible to furnish banking facilities unless under some service charge
plan or with proper balance requirement. The number of unprofitable
accounts in some banks is almost unbelievable. A bank located not
many miles from Chicago wrote me that 44 per cent of their accounts
carried a balance of less than $25 per account. They found there
was an average annual loss of $10.45 on each one of many hundreds
of their accounts, making a total yearly loss of many thousand dol-
lars.
The situation is the same all over the country. These accounts
have become a distinct burden. To what extent is a bank justified
in carrying them? Some of them are unquestionably legitimate. But
the great majority are not justified from the standpoint of good
business.
We are not arguing that' a bank should not perform every
possible service to its community. But there is no more reason why
a bank should maintain an unprofitable service for its depositors which
it renders free of charge, 'than for the boatblack to shine shoes for
nothing or the laundry to wash clothes free of charge.
On the contrary it would seem that if the bank renders a 'desir-
able and useful service it should receive pay for its services, just 'as
every other business institution does. If it is impossible to receive this
compensation from the interest obtainable from the depositor's balance,
service charge to cover it should be made. "The laborer is worthy of
'his hire."
Quoting from Mr. Tufts again, he says: "Bank directors should
not need to be reminded that on account of the fiduciary nature of the
position they occupy, there rests upon them a very great responsibility
for the way in which their stockholders' money is used. I do not
believe bankers can legally justify their action in, permanently carry-
ing without charge a substantial number of accounts on which they
know, or should know, they are continually losing money that belongs
to depositors."
That is an additional reason why unprofitable business should be
dispensed with, the fact that the money belongs -to the depositors.
There are only two solutions that we know of for meeting the
situation. Either make a nominal monthly charge upon all accounts
falling below a profitable balance or require all depositors to maintain
at all times a profitable balance. The former is by far the best
method of handling this problem.
We believe that when depositors are informed of the situation
11l
Christmas Gifts
from China
In response to requests from many people I have ordered, and
expect soon to receive, representative products from both North
and South China. Cloisonne, brass, ivory, mother of pearl,
lacquer work, jewelry, beads, cross stitch luncheon and bridge
sets, etc. All of these are of high quality but there will be
selections to suit everybody.
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