INSURANCE AGAINST FIRE Continued. - if a representation be false, and relate to a material fact, it is fraud- test whether a representation be material, 588. a warranty broken innocently avoids a policy; not so a misrepresen- concealment is the converse of misrepresentation, and has the same it is the duty of one asking insurance to give the insurers full in- if personal property is insured and described as in a certain place, insurers liable for injury by water used to extinguish fire, 590. not liable for injury caused by lightning, unless there be ignition, loss by explosion of gunpowder is a loss by fire, 590. loss by explosion caused by steam not a loss by fire, 590. insurers liable for loss caused by negligence of insured or his ser- valuation, law and rules concerning, 590. how far a valuation is conclusive upon both parties, 591. if building is injured but not destroyed, insurers may repair, or pay alienation or transfer of policy or property, law of, 591. insured who alienes the property before a loss has no claim under after a loss, insured may transfer his claim, 592. mortgage does not avoid the policy, 592. insured should be careful to have his transfer assented to by in surers, and duly indorsed and certified, 592. notice and proof of loss by fire, law and rules concerning, 592. adjustment of a loss by fire, 593. forms of notice to insurers of a loss by fire, 594, 595. form of assignment of a policy, 596. INTEREST AND USURY, law of, 631-640. what interest is, and when and for what it is due and recoverable, devices to which usurers resort to conceal usury, 633 a charge for risk or service, when not usurious, 634. the sale of notes, when not usurious, 635. of compound interest, when it is allowed, 637. abstract of the usury laws of the States, 637-640. INTERNAL IMPROVEMENTS, what Congress can do about them, 63. IN TESTIMONIUM CLAUSE, what it is, 279. J. JAY, John, letters to Washington, in 1786, 17. Washington's reply to, 18. Washington's letter to, 18. JUDGE-MADE LAW, so called, principles regulating, 72, 73. their power and duty of as to a law not made in pursuance of reasons for depositing this power in the hands of the judiciary, 74. K. KANSAS, boundaries, extent, constitution, history, and condition of, 153. abstract of the statute law of husband and wife, and homestead, 219. 128. the right of suffrage by the constitution of, 193. abstract of the statute law of husband and wife, and of homestead, L. LAW OF PLACE, 640-645. what is meant by the law of place, 640. our States are foreign to each other in the law of place, 640. general rules and principles of the law of place, 641. a contract valid where it is made is valid everywhere, 641. distinction between contracts about movables and those about im- what is the place of a contract, 642. when a note may be made to bear the interest of either of two domicile, what it is, how it is acquired, and how it may be changed, the legal effects of a change of domicile, 644. LEGISLATIVE BODIES, each house is a judge of the elections and qual ifications of its own members, 55. LEGISLATIVE POWERS, as established by the constitution, 51. LICENSE, what it is. 64. LIENS OF MECHANICS AND MATERIAL-MEN, for their wages who are material-men, and their rights, 650. what notice must be given of a lien by mechanics, 650. forms of notices and releases under the law of mechanics' liens, 651– LIFE INSURANCE, law of, 597–604. how life insurance is usually effected in this country, 597. the premium paid partly in notes, rules of, 598. time of the death sometimes very important, how determined, 599 of certain dangerous trades or occupations, 599. when suicide avoids the policy, 600. when one is supposed to be dead because not heard of for a long what interest one insured in a life policy must have, 600. of the assignment of a life policy, what it is and how it should be of warranty, representation, and concealment in life insurance, 602. of warranty of sober and temperate habits, 603. LIMITATIONS, statute of. (See STATUTE OF LIMITATIONS.) boundaries, extent, constitution, history, and condition of, 134. abstract of the statute law of husband and wife and of homestead M. MAINE, boundaries, extent, constitution, history, and condition of, 139. abstract of the statute law of husband and wife, and of homestead, MALT LIQUORS, breweries established in the United States, 70. MARBURY'S CASE referred to, 72. what constitutes a legal marriage, 235. some uncertainty respecting the law, 235. what provisions of the law may be disregarded without avoiding the consent is of the essence of this contract, 236. the wife may be always the agent of the husband, 236. how far she is considered so by law, 236 MARRIAGE-Continued. the husband responsible for necessaries supplied to his wife, 236. her rights if she leaves him because he treats her ill, 236. liabilities of a man who lives with a woman who is not his wife, 237. forms of an indenture, to put in trust the property of an unmarried woman, a contract made upon consideration of marriage should be writter MARSHALL, Chief Justice, decision of, as to judicial duty, 72. boundaries, extent, constitution, history, and condition of, 118. abstract of the statute law of husband and wife, and of homestead, MASSACHUSETTS, insurrection in, 19. boundaries, extent, constitution, history, and condition of, 108. the right of suffrage by the constitution of, 194. abstract of the statute law of husband and wife, and of homestead, MICHIGAN, boundaries, extent, constitution, history, and condition of, 143. the right of suffrage by the constitution of, 194. abstract of the statute law of husband and wife, and of homestead, MILITARY ACADEMY, 80. MILITARY RIGHTS AND DUTIES, powers of Congress concerning, power of organizing, arming, and disciplining the militia given to what constitutes the militia, 189. the right of the people to keep and bear arms is not to be infringed, 189. MINNESOTA, boundaries, extent, constitution, history, and condition the right of suffrage by the constitution of, 194. abstract of the statute law of husband and wife, and of homestead, MINORS, may bequeath personal property, and when, 255. MISSISSIPPI, boundaries, extent, constitution, history, and condition of, 136. the right of suffrage by the constitution of, 194. abstract of the statute law of husband and wife, and of homestead, MISSOURI, boundaries, extent, constitution, history, and condition of, 141. MISSOURI — Continued. abstract of the statute law of husband and wife, and of homestead, MISTAKE, important distinction between a mistake of law and a mistake MONEY, power to coin money belongs to Congress, 85. coins, the money of the world, 85. before the invention of paper money, governments in difficulties de- exigencies of the late war compelled the repeal of the law making this could be justified only on the ground of necessity, 86. a most interesting question, when we can be done with paper money MONTANA, Territory of, boundaries, extent, history, and condition of, MORMONS, history and present location and condition of, 157. MORTGAGES OF LAND. (See DEEDS OF CONVEYANCE.) MUTUAL INSURANCE COMPANIES. (See INSURANCE AGAINST FIRE.) N. NATIONAL SOVEREIGNTY, reconciled with State rights, 44-47. 87. effect of, 88. laws of, 88. process of, 90. forms of, 91-94. NAVAL ACADEMY, 80. NEBRASKA, boundaries, extent, constitution, history, and condition of, 156. the right of suffrage by the constitution of, 194. abstract of the statute law of husband and wife, and of homestead, NEVADA, boundaries, extent, constitution, history, and condition of, 155. abstract of the statute law of husband and wife, and of homestead, NEW ENGLAND, suffering and discontents in, after the War of Inde- NEW HAMPSHIRE, boundaries, extent, constitution, history, and con- the right of suffrage by the constitution of, 195. abstract of the statute law of husband and wife, and of homestead, NEW JERSEY, convention of, adopted the constitution of the United |