a financial point of view. They pay out the "losses" directly, it is true, but the average person does not pause to consider that they collect it all back again from their customers in increased premiums, and hence the financial interest of every patron of insurance in the suppression of all practices whereby the total amount of loss is increased. The above summarizes one of Mr. Campbell's strong arguments for popular attention to his subject. Mr. Campbell presents his ideas as to the true nature of insurance in a very able and intelligible manner, and pleads that insurance be limited to its original purpose of reimbursement or indemnity, and that the possibility of speculation or traffic in it be eliminated. After devoting Chapter 2 to an interesting, but brief survey of the history of insurance, the author proceeds to discuss the various forms which it has taken. Mr. Campbell quotes an opinion of the Fire Marshal of Boston, to the effect that only 1 per cent. of the fires in the United States are inevitable, whereas 65 to 70 per cent. are the result of carelessness and indifference as to the safety of the property, and 30 per cent. are attributable to crime, largely the work of "firebugs," who burn property in order to obtain more than its value in insurance. The author suggests as a step in the right direction that over-valuation be more seriously investigated, and that the system of making the compensation of agents depend upon the amount of insurance they write be changed. In the author's opinion one of the chief dangers incident to life insurance to-day is the tendency of reputable companies to pay a claim without a thorough investigation, provided the usual formal proofs of loss are furnished. This willingness to act promptly serves as a good advertisement; but the author contends that it opens wide the door for fraud on the company, and encourages traffic in human lives. He describes some of the more notorious criminals who have gained a livelihood by murder of persons insured for their benefit, including the arch-fiend Holmes, the most cunning of his kind. The dangers incident to insurance of the lives of children are also set forth in detail. Under the title of "Company Frauds" Mr. Campbell describes the methods and results of "fake" insurance companies, and warns the public against being over-credulous of the claims of "Friendly Aid Societies" and various forms of purely benevolent insurance associations, as being less sound in principle and more likely to be the means of securing enormous salaries to their "disinterested" promoters, instead of cheap premiums and security to the members, than the recognized profit-making companies. Mr. Campbell emphatically denies that he is opposed to insurance as an institution, but says he only aims to arouse public interest to such a degree that reforms may be suggested and effected to the public good. He believes that a careful consideration of insurance methods, and a patronage of only such companies as introduce features best adapted to remedy the existing state of affairs, will produce good results, and that statutes may then give the sanction of law to that which experience has proved to be wise and beneficial. Taking it all together, this book should serve its purpose, which is not that of a legal treatise, but a monograph designed to reach the "man in the street." REVIEWS TO FOLLOW: A BRIEF FOR THE TRIAL OF CRIMINAL CASES. Austin Abbott. Rochester: Co-operative Publishing Co. 1902. STUDIES IN JURIDICAL LAW. Horace E. Flood & Co. 1902. pp. xxvi, 336. pp. xx, 814. Smith. Chicago: F. H. CASES ON INTERNATIONAL LAW. James Brown Scott. Boston: The Boston Book Co. 1902. pp. lxvii, 959. A TREATISE ON THE POWER OF TAXATION. Frederick N. Judson. St. Louis The F. H. Thomas Book Co. 1902. pp. xxiii, 908. A TREATISE ON THE LAW OF JUDGMENTS. Two volumes. Second edition. H. C. Black. St. Paul: West Publishing Co. 1902. pp. ccii, 1592. A COMMENTARY ON THE LAW OF MINES AND MINING RIGHTS. Two volumes. Wilson J. Snyder. Chicago: T. H. Flood & Co. 1902. pp. ci, 1464. CASES ON CRIMINAL LAW. William C. Mikell. Philadelphia: International Printing Co. 1902. pp. 504. A TREATISE ON COMMERCIAL PAPER. James W. Eaton and Frank B. Gilbert. Albany: Matthew Bender. 1903. pp. xciii, 767. A TREATISE ON THE LAW OF NEGOTIABLE INSTRUMENTS. Two vols. Fifth Edition. John W. Daniel and Charles A. Douglas. New York: Baker, Voorhis & Co. 1903. pp. cliv, 936; x, 1004. THE ELEMENTS OF THE LAW OF NEGOTIABLE INSTRUMENTS. John W. Daniel and Charles A. Douglas. New York: Baker, Voorhis & Co. 1903. pp. xxxi, 418. THE LAW OF REAL PROPERTY AND OTHER INTERESTS IN LAND. Two vols. Herbert Thorndyke Tiffany. St. Paul: Keefe-Davidson Co. 1903. pp. 1589. A TREATISE ON THE MEASURE OF DAMAGES AND PERSONAL INJURIES. G. P. Voorheis. Norwalk, Ohio: The Laning Co. 1903. pp. lxxxvi, 577. THE AMERICAN REPUBLIC AND ITS GOVERNMENT. James A. Woodburn. New York and London: G. P. Putnam's Sons. 1903. pp. v. 410. THE HORNBOOK SERIES-DESCRIPTION. 1. "The Hornbook Series" is a name adopted for a series of text-books on the main titles' of the law, all of which are uniform in general treatment, style, and price.2 2. The distinguishing characteristics of the books are: (a) A series of numbered paragraphs presenting the leading principles, making a complete outline of the subject, printed in bold type (like this); (b) Commentaries on same, making up the body of the work; (c) Notes giving the leading authorities. The general text (printed in type like this) gives a sufficient explanation of the preceding rules and principles to make the general aspect of the subject clear, and to put one on inquiry as to exceptions, etc. Not pocket manuals. The books are regular octavo text-books, and would sell, if not published in a "series," at $5 or $6. For a quick survey of a subject. The general practitioner will find nothing more comprehensive and at the same time condensed than these volumes. They will enable him to run rapidly over the whole ground before proceeding to work up a specific case. 1 The volumes already published cover Bailments, Bills and Notes, Com. mon Law Pleading, Constitutional Law, Contracts, Corporations, Criminal Law, Criminal Procedure, Damages, Elementary Law, Equity Jurisprudence, Evidence, Executors and Administrators, International Law, Interpretation of Laws, Negligence, Partnership, Persons and Domestic Relations, Real Property, Sales, Torts (2 vols.), and Admiralty. 2 $3.75 a volume. In this style. ♦ "To be able to turn to a full and clear presentation of a rule or principle is almost indispensable to a busy lawyer, and the Hornbook Series goes very far in giving just that help."-Bishop, Bowen & Fleming, Des Moines, Io. We sell them "on approval." "The entire law upon a given subject is, with the aid of these books, brought within the reading compass of a few hours. With them the practi tioner can refresh his knowledge of the general principles and rules of law in brief compass and in short time."-Hon. David Torrance, Derby, Conn. For full information address the publishers, C3507& WEST PUBLISHING CO., St. Paul, Minn. Special Agents for West Publishing Company. DIRECTORY OF LAW SCHOOLS. NEW YORK LAW SCHOOL, NEW YORK CITY. "DWIGHT METHOD" OF INSTRUCTION. DAY SCHOOL, (For students who cannot attend day sessions.) SUMMER SCHOOL, (Eight Weeks, June-August.) 35 Nassau Street. 35 Nassau Street. Degree of LL B. after two years' course; of LL. M. after three years' course. Prepares for bar of all States. Number of students for the past year 776. High standards. Send for catalogue explaining "Dwight Method," course of study, etc., to GEORGE CHASE, Dean, 35 Nassau Street. THE UNIVERSITY OF MAINE SCHOOL OF LAW. Case Three years' course leading to LL. B., and, after one year of resident graduate work, to LL.M. system of instruction; moot court a special feature. Tuition fee, $60; total annual expenses including board, need not exceed $250. For announcement address W. E. WALZ, M. A., LL. D., Bangor, Me. DICKINSON SCHOOL OF LAW. Thorough 3 Years' Course. Experienced Preceptors. Terms Moderate. For information, inquire of WM. TRICKETT, Dean, Carlisle, Pa. COLUMBIAN UNIVERSITY, SCHOOLS OF LAW, CHAS. W. NEEDHAM, LL.D., Dean. WASHINGTON, Law School. Three years' course, leading to degree of LL.B. The National Capital affords special advantages to students of law and diplomacy. CHANNING RUDD, Sec'y, 1420 H Street, Washington, D. C. ILLINOIS COLLEGE OF LAW, CHICAGO. OPEN ALL THE YEAR. BOTH DAY AND EVENING SCHOOLS. UNDERGRADUATE COURSE of three years leads to the LL. B. degree, and prepares for the bar in any State. POST GRADUATE COURSES lead to the degrees of LL. M. and D. C. L. BAR EXAMINATION REVIEW QUIZ gives a thorough and comprehensive review of all the subjects required for admission to the bar. THE ILLINOIS COLLEGE OF LAW is the only Law School in the United States organized upon the quarterly system, and open all the year, repeating in each quarter of three months all the regular college courses required for the LL. B. degree and constituting a three years' course of study. Registration for 1900-01, 250 students. Send for catalogue and special circular to the HOWARD N. OGDEN, Ph. D., LL. D., 112 CLARK ST., CHICAGO. President, |