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All over the country the one idea of the farmers

for helping themselves seems to be the sensible one of forming insurance clubs. The most popular plan seems to be to limit the club to the area of one or more unions, so that members may watch each other, to raise a fund for that union by subscription among owners and tenants, and out of this fund to pay for every beast necessarily. destroyed. Without this device the smaller breeders, whose entire stock is often swept off, would find the temptation to sell their beasts or send the meat to market too strong for them. As it is, there is an excessive reluctance to lose the value of the hide, greatly as its cleanliness is distrusted by the experienced.

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