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“Am case the news is correct," adds the Ageuqy, “the general feeling in Germany is regret that the American A despatch from Berlin say‘:â€"~ PreSS despatches have reached Berlin, according to which diplomatic rela- tiung between Germany rand the United States have been broken off, says the Overseas NeWS Agency. No official confirmation has been received. balance of the half billicr may be de- voted towards further assistance to Great Britain in financing war orders in Canada. The detailed items in the estimate of more than $400,000,000 for the land forces both in Canada and overâ€" seas include pay and allowanch for The war expenditures proper pro- yide for a total of $433,000,000. The A despabch from Ottawa says: The: Prime Minister, in presenting the war; Budget to the House, declared that of the total of $500,000,000 to be voted,[ the Department of Militia and Defence§ required $196,171,000, the Overseas; Militia Department $219,000,000, and? the Naval Service $17,500,000. The: large increase in the demands of the; Naval Service presage new and im-1 portant action by Canada towards‘ coast defence and patrol. In refer-l ence to this the Prime Minister’s: memorandum referred to “new ships‘; and maintenance.” I‘he submarine; menIICe will evidently require vigorous; action by Canada, us well as by the? Admiralty. E More Than $400,000,000 for Allé Land Forces. I take such a step. The effect of the suggestion in other countries is being eagerly awaited. This was the only knOWn development of first imponance WAR BEDGET Berlin Semi-Ofiicial News Agency Declares, However. That Wrong Interpretation Was Given By President Wilson to the Note. A despatch from Washington says : At 2 o'clock Saturday afternoon Presi- dent Wilson, at a joint session of Con- gress, delivered a speech in which he announced that diplomatic relations had been broken oil’. with Germany, that Ambassador von Bernstorfl had been handed his passports by the United States, and that Ambassador Gerard had been instructed to re- (luest the German Government to re- turn his passports. which came out o! a day of tense waiting which followed the actual an- nouncement Saturday of the break with Germany. The President’s invitation to neu- trals to follow his action was contain- ed in instructions to American diplo- ‘mats to announce the break with Ger- ‘many to the Governments to which jthey are accredited. It was contain- Although 30 hours have e‘.apsed, the situation remains unchanged, no overt not having been committed by Ger- many necessitating a declaration of war by the United States. . Still hopeful that Germany will not ruthlessly sacrificeAmerican lives or rights, the Administration is awaiting developments. but leaving nothing un- done to prepare the country for the eventuality of war. Allies Have Been Asked to Grant Safe Conduct to Ambassador von Bemstorff, but Washington is Still Hopeful Germany Will Halt Plan of Ruthlessness. UNITED STATES DECIDES ERR-JEAN QEFMALLY SILENT (WEE UNITED STATES ACTION HALF BILLHON T0 BREAK WITH GERMANY adds President gave to the German note anj interpretation which was not intendedl by Germany. The German measures 3 are not intended to damage neutrals,; but were caused by the necessity of ‘ defending Germany against hostile measures which are contrary to inter. national law, Germany’s enemies. therefore, beng‘ charged with the whole responsibility." 400,000 troops, $182,500,000; separa- tion allowances, $36,000,000; xations and subsistence, $50,000,000; clothing 3and necessaries, $48,000,000; equip- Iment and general :tores, $42,261,000; ammunition, $16,750,000; small arms {and machineâ€"guns and 80.000 Ross ‘rifles, and bayonets, $5,660,000; for- age, $2,500,000; remounts, $2,000,000; ocean transport, $5,000,000; railway ltransport, $3,000,000; engineer ser- )vice, $4,000,000; civil employees, 32,- 000,000; recruiting, customs duties, !funeral expenses. fuel, $5,000,000. A despatch from London says 2- “The burden on my shoulders is over- whelming," said Premier Lloyd George, in responding to a municipal welcome at Criccieth, Wales, his home, on Friday, “but I am confident that with the united efl’orts of us all and with the justice of our cause, we shall confound the devices of the wicked 7: one. The total expenditure by fiscal years deal since the war began, the Prime Min- lit“. ister said, had been: 1914, $60,750,476; $305; 1915, $166,197,755; 1916 and 1917 upi rm to January 20, $216,901,822. 0f the}ng total expenditure for war during the,year fiscal year the Militia Department had ‘ tem controlled $209,213,000, the Naval Scar-lab,1e vice $5,775,000, and the Justice De-lth_ls partment $1,004,000. .395 WILL CONFOUND DEVICES OF THE WICKED ONE Should it eventuate that all other neutrals accepted the President’s sug- gestion that they sever diplomatic re- lations with Germany, the choice of a peace mediator would have to‘come from the Vatican. "Report fully and immediately on the reception of this announcement and upon the suggestion as to similar action.” Thus it becomes apparent that in the shadow of war the President has not abandoned his efforts for peace, and as the first step has moved to direct the moral force of the neutral world to compel Germany’s return to an observance of international law at sea. ' “The course taken is in the Presi- dent’s View entirely in conformity with the principles enunciated in his ad- dress to the Senate January 12. (The address proposing a world league for peace.) “He believes it will make for the pane of the world if other neutral powers can find it possible to take similar action. “Say, also, that the President is re« luctant to believe Germany acutally will carry out her threat against neu- tral commerce, but if it be done the President will ask Congress to author. ize use of the national power to pro- tect American citizens engaged in their peaceful and lawful errands on the seas. “It has, therefore, recalled the American Ambassador to Berlin and has delivered passports to the Ger- man Ambassador to the United States. The President’s invitation to neu- trals to follow his action was contain- ed in instructions to American diplo- mats to announce the break with Ger- many to the Governments to which they are accredited. It was contain- ed in the allowing note: “You will immediately notify the Government to which you are ac- credited that the United States be- cause of the German Government’s recent announcement of its intention to renew unrestricted submarine war- fare, has no choice but to follow the course laid down in its note of April 18, 1916 (the Sussex note}. u,uuu; ; ‘ilway a .- ser- '3. ) §2F I utles, ( l0, iq years d Min- 1 ject of the Act is, that where a society shows at the end of the first three- year term that it has not maintained its degree of actuarial solvency that. there shall be such an increase "in rates as will insure that the society shall maintain the degree of solvency which it had on 31st December, 1917, or improve that position. . In View of this legislation, the (lan- adian Order of Foresters decided not ' to wait until the 31st Decembei',.1917, ' to ascertain the facts required by the LiAct. and, shortly after the Act was 5 passed in 1916, this Society engaged Mr. Abb Landis, of Nashville, Tennes- see, for the purpose of investigating its actuarial standing, as of the 313i ,lDecember, 1915. Mr. Landis is one of ‘ihe leading actuaries on the American :tcr‘ntinent to-day. and is so recognized in the Insurance world. His experi- ‘ ence extends over a term of twenty~ five years. eighteen years of which has been devoted exclusively to Fraternal Insurance Associations. In these eighteen years Mr, Landis has advised with one hundred and eighty-six socie- ties. six of these societies being Cana- dian. He has also been for fifteen ,years on the Committee of Statutory Legislation of the National Fraternal Congress, and has been prominently identified with the drafting of all bills dealing with Fraternal Insurance legis- lation. Mr. Landis is also the author of eight books on Insurance, which are accepted as authorities toâ€"day. The Actuary has found that during its whole experience of thirty-six years, the Canadian Order of Fores- ters has had an exceptionally favor- able mortality experience. Because of this exceedingly favorable mortality experience, and the large amount. of accumulated funds, Mr. Landis has been able to prepare unusually favor- able monthly assessment rates, which u. rrvrâ€"V‘ the payment of all future claims. lThese rates of assessment, as com- iparcd with rates deduced from other ;mortality tables, is very much to the ‘advantage of the members of the Can adian Order of Foresters. In constructing a mortality table on the experience of the Society, Mr. Lan- {dis has eliminated the first five years :of membership duration. The object of (his course is in order to insure the death rate under more nearly normal 'conditions than would be possible by :taking the first five years of duration into consideration. During the first. ‘tlrc years there is a gain from recent imedical selection. He has recommen- degree of actuarial solvency. The ob- ' will enable the Society to provide for' Two options are given to those who are already members of the Order. One option provides that all mem- bers who are between the attained ages of sixteen to fortyâ€"five, inclusive, ages elect to take term Insurance, which will entitle them to carry their present insurance at their present rate until they have attained the age of sixty years. Members between the attained ages of forty~six and fifty- five, inclusive, may elect to continue the present amount. of their Insur- iance, at the present rates, as term In- =surance for a period of fifteen years. iThose members who are between the lattained ages of fifty-six and sixty- Inine, inclusive, can carry their pre- lsent protection as term insurance, at theirs present rate, for ten years. Term protection of members between {the attained ages of seventy to seven- ty-six gradually decreases from nine ‘years at the age of seventy to three iyears at the age of seveniysix and lover. ' The second option insures to all members no matter when admitted, ‘when they attain the age of seventy, and over, the right to paid up Insur- ance for amounts set out in the schedule prepared by the Actuary, .where such members do not desire -to continue to pay the life rates. This Ischedule entitles be members from .sixteen to eightee to paid up Insur- ance for $900 at the age of seventy, which amount gradually decreases as the attained age of the member in- creases. The adoption of the proposed re-l adjustment. will place the Society on} Ia basis of absolute solvency from ani actuarial standpoint, and enable it to] maintain its splendid position in the {world of Fraternal Insurance. ..;.__‘__.. MILITARY MEDALS PRESENTED . BY THE INDIAN VICEROY A despatch from Delhi says:â€"~The Viceroy, Lord Chelmsford, at a special parade held at: the Vice-Regal lodge presented military medals and orders t0'200 Indian ofl'icers and men. The scene was brilliant and impressive. 'Gen. Sir Charles Munro and a large number of the Headquarters Stafl' were present. The decorations in- ‘cluded three Victoria Crosses and sev- eral French and Russian decorations. First: There would be gains from actual interest earned in excess of 4 per cent. which is the amount the Actuary fixes as the basis of calcula- tion. As a matter of fact, the average interest earned by the Society. upon its Insurance Fund, as at present in- vested, is 5.44 per cent. As the se- curities held by the Society are most- I)’ for ion-g terms, there should be a substantidl gain on interest account, Second: There would be a saving from a lower death rate by reason of the fact that the first five years of membership has been uliminatod by Mr. Landis in construcliri his mor- ‘kuu, i tality table. Third: There would a n... . -wmmuAr tied a schedule of rates, which, based upon the report which will be filed as of the 31m December, 1917. ‘should show mum than 100 per cent. of actuarial solvency. because of margins of safety which may be classified as follows :â€"~ In View of this legislation, the (Ian- adian Order of Foresters decided not to wait until the 3ls‘t December, 1917, to ascertain the facts required b'y the Act, and, shortly after the Act was lpassed in 1916, this Society engaged [Mn Abb Landis, of Nashville, Tennes- there shall be such an increase "in rates as will insure that the society shall maintain the degree of solvency which it had on 31st December, 1917, or improve that posltion. The Legislature in 1916 passed an Act which requires that all Fraternal Insurance Societies shall, on or before the first day of April, 1918, file a re- port with the Registrar of Friendly Societies, which report shall contain a valuation of all its Insurance Certi- ficates in force on the 3lst December. 1917. This report must not only show the Insurance Liability which the Soâ€" ciety has undertaken to pay, but also the Assets which the Society has avail- able. in the way of accumulated Funds, and future assessments for the pay- ment of the Insurance Liabilities as they mature. The object of this state- ment is to show the degree of actuar~ ial solvency which each Society has. as of December 3lst, 1917. The Act provides further, that at the end of each threeyear period, after 1917, a similar statement of valuation shall be filed in order to ascertain whether or not the Society has maintained its degree of actuarial solvency. The ob- ject of the Act is, that where. a society shows at the end of the first three- year term that it has not maintained its degree of actuarial solvency that GANADIAH URBER W F DRESTERS HAS SPLENDID RECORD FDR 1918 The Canadian Order of Foresters has had a record possibly without parallel in the history of Fraternal Insurance Associations operating in Canada. is Society was instituted in 1879. In 1885 it enacted a table of monthly assessments which has been in force from that time down to the present without a single change. During that period all other Fraternal Insurance Societies, it is claimed, have found it necessary to revise rates. until this Society stands as the only prominent Institution operating upon a remark- ably low schedule of rates. In 1916 the Society paid out in death claims over $726,000.00. Notwithstanding this large payment, it added to the Insur- ance Fund, for the year, over $422; 000.00. The balance standing to the credit of the Insurance Fund on the 31st of December last was $5,628,343.00. In spite of this most unusual record, the Society decided to have a most thorough and comprehensive investi- gntion made or its actuarial standing. This course was thought wise on ac- count of the legislation passed by the Ontario Legislature at its last session. creased by the paralysis of coal trans- port. There is abundant indication that the frost is occasioning intense suffering and inconvenience. There is_plenty of coal, but a deficiency of railway, river and road transport. The Munich military authorities ordered all schools closed owing to the difficul- ty. of supplying fuel. Also the university, technical school, theatres, meetings and recreation halls. German rivers are frozen and trans- port on the Rhine is at a standstill. Many Dutchmen are returning to Holland, being unable to exist in Ger- !rnany. From one I hear the situation is very bad. Rhine barge smuggl- ‘mg, until lately a valuable source of ‘food supply, has stopped though large quantities of provisions are still smug- gled by hand. The Telegraaf learns from the east- from accumulation forfeited through ’lapsLeS. No allowance was made for -u- _ :_ aux..- Al._ _-I.A_L.I. -1 Soclety Proposes to Place Its Business on a Basls of 100 Per Cent. Actuarial Solvency. WILL READJUST ITS RATES a saving ‘eason of years of tack?” asked a Haves correspondent, in an interview with Gen. Sir Henry ' Rawlinson, corps commander of the l‘ii‘“dmg’l§: ‘ British forces on the Somme front. ‘ . Gen. Rawlinson answered: he gains “The German officers are keeping 1' The second option insures to allf members no matter when admitted” vwhen they attain the age of seventyH and over, the right to paid up Insur-E lance for amounts set. out in the! [schedule prepared by the Actuann; ,where such members do not desire' to continue to pay the life rates. This :‘ {schedule entitle-S she members from! !:~ixteen to eightee to paid up Insur-i ’ance for $900 at the age of seventy, which amount gradually decreases as ithe attained age of the member in- fcreases. I A despatch from Paris says: "Do you believe, General, that the Ger- ma_nS_ intend to forestall you in an at- A despatch from Delhi says:-The Viceroy, Lord Chelmsford, at a special parade held at the Vice-Regal lodge presented military medals and orders to 200 Indian officers and men. The scene was brilliant and impressive. Gen. Sir Charles Munro and a large number of the Headquarters Stafl’ were present. The decorations in- cluded three Victoria Crosses and sev- eral French and Russian decorations. ALLIES 0N WESTERN FRONT COURT ATTACK BY GERMANS The adoption of the proposed re- adjustment. will place the Society on a. basis of absolute solvency from an actuarial standpolm, and enable it to maintain its splendid position in the world of Fraternal Insurance. The rates for members who are now in the Order start at sixteen, with a monthly assessment of 65c; at twenty Ithe rate is 690; at, thirty, 85c; at thirtyflve, $1.08; at forty-five, $1.53, with gradually increasing rates for the older ages. The rates for new mem- bers start at sixteen, with a rate of 65c; at twenty, 730; at thirty, $1.02; at thirty-five, $1.23; at'forty, $1.52; at forty-four, $1.83. Have Everything Ready to Receive Enemy or Make Enemy Re- ceive Them When They Choose. Notices of motion have gone out to the membership providing for read- justment, and this legislation will be considered at the next meeting of the High Court of the Order in June. Fourth: There would be a surplus in contributions owing to the fact that. after eliminating the first five years of membership, the Actuary loaded the tabular rates by an arbitrary sum to make assurance doubly sure. from accumulation forfeited through lapses. No allowance was made for such gains in fixing the schedule of rates. A despatch from Amsterdam sayszl â€"-Germany’s difficulties have been in-i creased by the paralysis of coal trans- port. There is abundant indication that the frost is occasioning intense. suffering and inconvenience. There is plenty of coal, but a deficiency of railway, river and road transport. The Munich military authorities ordered all schools closed owing to the difficul- ty of supplying fuel. Also the; university, technical school, tlrzeatres,’1 meetings and recreation halls. l THE PRIVATION IN GERMANY REACHES UNEXAMPLED DEGREE. 50 Per Cent. of Population in Large Towns Suffering From Disease Caused by Inordinate Eating of Jam. up that hope among their men, I know, but, personally, I doubt, that our enemies have already forgotten the lesson at Verdun. If they like to send a few hundred thousand men useless- ly to slaughter, we see no objection. On the contrary; we have everything ready to receive them, or to make them receive us when we choose.” A despatch from Calgary says :â€"â€"- The Minister of Labor, Hon. T. W. Crothers, before departing for the east on Sunday. announced a settlement of the trouble between the miners and the operators. The settlement reâ€" quires the operators to provide the 9% per cent. increase in wages. It is' understood that the operators will add this increase to prices to consumers. Minister Announces a 91/; Per Cent Increase for Miners. CROW’S NEST STRIKE HAS BEEN SETTLED l “The sinking of hospital ships by ‘German submarines is, of course, no new outrage. There have been sev- eral flagrant attacks on Russian Red Cross Vessels in the Black Sea, and on our own hospital ships and those of the French. Certainly we owed the comparative immunity in home waters more to measures of precau- tion than to any forbearance of the enemy. The fate of the Britannic and Braemar Castle. both sunk in the Aegean in November, proves that well enough, but the Admiralty is probably right in saying that the new German manifesto means that the German Government intend to attempt to add other and more unspeakable crimes against the law of humanity to the long list. The most recent of those crimes is among the worst. On Sat- urday during a heavy easterly gale the Artist, a British steamer, was tor- pedoed 48 miles from land. 0f the crew, who were forced into open boats utterly without means- of reaching land or succor, sixteen survived. In this case, too, the Admiralty does not mince words. It says: ‘Th0se who perished in those three days of bitter exposure were murdered.’ ” “Sign: of increased ruthlessness and intensity of the German submaâ€" rine campaign accumulate. There can be only one reason for the manifesto of the German Government with re- spect to the hospital ships which the Foreign Office made public recently. It has all the familiar marks of 8 Ger- man document designed to prepare the way for inhuman deeds. It is based on the lie that British hospital ships have been used for transport of. munitions and troops. A despatch from London says: An editorial in the Times says: BUT ONE REASON FOR MANIFESTO Lecturing Wednesday at Berlin Dr. August Moellor, member of the Comâ€" Ipittee on War Provision offices, estim~ aired that a full ration was available for only thirty-nine of the fifty milâ€" lions of the population not serving in the field. This report, published in the German press, obviously did not magnify the seriousness of the situa- tion. The Telegraaf’s correspondent says 50 per cent. of the population in the large toWns are suffering from cramp in the stomach and jam disease, which reveals itself by a skin eruption, due to the large quantity of jam con- sumed in default of other food. Germany Intends to Sink All Hospital Ships Encountered. ern frontier of Holland as a result of information furnished by Germans of various social positions living in dif- ferent parts of Germany that priva-K tion has reached an unexampled deâ€"' gree. Taxation has enormously in- creased, especially in Cologne, Ham- burg, Berlin and Frankfurt.