^{page 129 note *} Traps Baited with Orphan. By Elizur Weight, Ex-insurance Commissioner. Boston, 1877.

^{page 129 note †} Testimony of Sheppard Homans. Assembly Documents for 1877, No. 103, pp. 348-350. Mr. Homans adds, “The odium attached to the forfeiture of so many policies has made it very difficult to get new business.” One would hope so.

^{page 130 note *} Mulhall's Progress of the World. London, 1880. In this article I give the nearest round numbers, whenever round numbers will help to make the case clearer.

^{page 131 note *} New York Assembly Documents, 1877, No. 103, p. 250 Google Scholar.

^{page 132 note *} Assembly Documents, 1877, No. 93, p. 23 Google Scholar.

^{page 135 note *} Assembly Documents, 1877, No. 103, p. 351 Google Scholar.

^{page 136 note *} Testimony of H. B. Hyde. Assembly Documents, 1877, No. 93, p. 35 Google Scholar.

^{page 136 note †} Testimony of Stephen English. Document 103, p.246.

^{page 136 note ‡} Testimony of Richard A. McCurdy. Document 103, p. 98.

^{page 137 note *} Testimony of H. B. Hyde. Document 93, p. 46; 103, p. 218.

^{page 137 note †} This is the same vice-president who could not recollect within £100,000 the amount of the bonuses given to officers in his company.