. St. Nicholas [serial] . e songs, no matter how often they areheard, are never tiresome. The judges of Com-petition No. 45 have not the same to the faults of the competitors, unhap-pily, the judges are compelled in nearly everyreport to sing the same song in regard to care-lessness. In large type, in small type, and intype that is medium, they have besought theyoung people who join in these competitions toremember that there are hundreds upon hun- dreds of lists sent in by those who are not muchless bright than themselves. When the competition happens to be notespecially diffi
. St. Nicholas [serial] . e songs, no matter how often they areheard, are never tiresome. The judges of Com-petition No. 45 have not the same to the faults of the competitors, unhap-pily, the judges are compelled in nearly everyreport to sing the same song in regard to care-lessness. In large type, in small type, and intype that is medium, they have besought theyoung people who join in these competitions toremember that there are hundreds upon hun- dreds of lists sent in by those who are not muchless bright than themselves. When the competition happens to be notespecially difficult in regard to its main fea-tures, the number of answers received is atonce enormously increased, and yet the num-ber of prizes to be given remains very muchthe same. Consequently, the judges, in select-ing those which are best, are compelled to payattention to particulars that would otherwisebe of the very least importance. When hun-dreds of you succeed in compiling a list of cor- See also page 12. 10 ©1^^^ INSURANCE. VERY PARENT wishes to provide his children with a liberal education as ameans to success. This desire may be realized through the Childs EndowmentPolicy issued by The Prudential. This policy furnishes an ex-cellent way of securing a fund to pay the expenses of a childthrough college, or to prepare him for a profession. The policy may also beused to give the child a start in business when coming of age, or, in the caseof a daughter, a dowry at marriage. Policies may be taken out at the birth of a child or up to age 15, tomature at age 18, 21, or 25, as desired, and will be issued for sums from$500 to $5,000. When the endowment matures, the amount of policy, with dividends added,will be paid to the insured, the parent or the guardian. • Premiums may be paid annually, semi-annually, or quarterly. Policieswill be issued on the single premium plan, if desired; that is, when thepolicy is taken out, one single premium may be paid in lieu of all furtherpremiums. In
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