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OF GERMANY

IN E V E R Y HOME ! !

TARRANT'S SELTZER APERIENT

Is based upon a scientific analysis of the celebrated German
Spring whose name it bears, and whose virtues it so

eminently contains.

Each Bottle representing from Thirty to Forty Glasses of

Sparkling, Foaming Seltzer.

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It is Worth Remembering That Tarrant's SELTZER APERIENT represents in each bottle thirty to forty glasses of Sparkling Seltzer Water, containing all the virtues of the celebrated German Spring.

It is always Fresh! Always Ready!

One of the advantages that TarraNT'S SELTZER APERIENT—being a dry white powder -has over many natural mineral waters, is the fact that it never becomes vapid or stale. It is, therefore, the most admirable preparation not only for travelers on land and sea, but for all who need a bright, fresh, sparkling alterative and corrective, and it is always ready.

Tarrant's SELTZER APERIENT thus stands at the very front of all, and is admitted to be the best remedy known for constipation, biliousness, and all disorders of the stomach and bowals.

MANUFACTURED ONLY BY

TARRANT & COMPANY,

NEW YORK.

SOLD BY ALL DRUGGISTS.

OF THE NEW YORK LIFE INSURANCE COMPANY.

OFFICE, Nos. 346 & 348 BROADWAY.

JANUARY 1, 1880. Amount of Net Cash Assets, January ‘1, 1879...

.836,213,457.61 Less deduction to cover decrease in value of U. S. Bonds and other assets.

$135,966.93 REVENUE ACCOUNT.

$36,077,490.68 Premiums.

.$6,382,875.25 Less deferred premiums January 1, 1879.

379,839.09—$6,003,036,16 Interest and rents

2,339, 75.93 Less interest accrued January 1, 1879.

306,225.93-$2,033,650.00–$8,036,686. 16 DISBURSEMENT ACCOUNT,

$44,114,176.84 Losses by death, including Reversionary additions to same....

$1,569,854.22 Endowments matured and discounted, including Reversionary additions to same. 1,015,256.22 Annuities, dividends, and returned premiums on canceled policies..

2,236, 379.97 Taxes and reinsurances.

173,608.64 Commissions, brokerages, agency expenses, and physicians' fees.

626,253.30 Office and law expenses, salaries, advertising, printing, etc..

307,392.81—$5,928,745.16 ASSET 8.

$38,185,431.68 Cash in bank, on hand, and in transit (since received).

.$1,961,702.48 Invested in United States, New York City, and other stocks (market value $14,356,192 94).

13,544,671.96 Real estate.

4,974,573.68 Bonds and mortgages, first lien on real estate (buildings thereon insured for $14,287,000.00, and the policie 'assigned to the company as additional

15,313, 278.95 Temporary loans (secured by stocks, market value $1,300,000).

850,000.00 * Loans on existing policies (the reserve held by the company on these policies amounts to $3,160,000)..

621,403.02 * Quarterly and semi-annual premiums on existing policies, due subsequent to January 1, 1880.

367,989.02 * Premiums on existing policies in course of transmission and collection (estimated reserve on these policies, $330,000, included in liabilities).

211,625.23 Agents' balances...,

22,199.2 Accrued interest on investments January 1, 1880.

317,989.11–$38,185,431 68 * A detailed schedule of those items will accompany the usual annual report filed with the Insurance

Department of the State of New York.
Excess of market value of securities over cost.....

811,520.98 CASH ASSETS, January 1, 1880.

$38,996,952.66 Appropriated as follows: Adjusted losses, due subsequent to January 1, 1880.

$225,662.64 Reported losses, awaiting proof, etc.,

213,271.31 Matured endowments, due and unpaid.

32,780.98 Reserved for reinsurance on existing policies participating insurance at 4 per ct.

Carlisle net premium : non-participafiog at 5 per ct. Carlisle net premium. 34,016,840.82 Reserved for contingent liabilities to Tontine Dividend Fund, over and above a 4 per cent, reserve on existing policies of that class..

1,371,482.18 Reserved for premiums paid in advance.

16,543.25-$35,876,581 18 Divisible surplus at 4 per cent....

$38,996,952.66 Surplus, estimated by the New York State Standard at 4 1-2 per cent., over..$7,000,000.00

From the undivided surplus of $3, 120,371.48 the Board of Trustees has declared a Reversionary dividend to participating policies in proportion to their contribution to surplus, available on settlement of next annual premium During the year 5,524 policies have been issued, insuring $17,098,173,

Number of policies in force January 1, 1876, 44,661. Amount at risk, 1876, $126,132,119.
Number of policies in force January 1, 1877, 45,421. Amount at risk, 1877. 127,748.473.
Number of policies in force January 1, 1878, 45,605, Amount at risk, 1878, 127,901,887.
Number of policies in force January 1, 1879, 45,005.

Amount at risk, 1879, 125,232,144.
Number of policies in force January 1, 1880, 45.705.

Amount at risk, 1880, 127,417,763.
Death-claims paid 1875, $1,524,815. Income from Interest, 1875, $1,870,658.
Death-claims paid 1876, 1,547,648. Income from Interest, 1876, 1,906,950.
Death-claims paid 1877, 1,638,188. Income from Interest, 1877, 1,867,457.
Death-claims paid 1878, 1,687,676. Income from Interest, 1878, 1,948,665.
Death-claims paid 1879, 1,569,854.

Income from Interest, 1879, 2,033,650.
Divisible surplus at 4 per cent. Jan. 1, 1876, $2,499.654 | Divisible surplus at 4 per cent. Jan. 1, 1878, $2,664,144
Divisible surplus at 4 per cent. Jan. 1, 1877, 2,626,816 Divisible surplus at 4 per cent. Jan. 1, 1879, 3,811,436

Divisible surplus at 4 per cent. Jan. 1, 1880, $3,120,371.

TRUSTEES. Morris FRANKLIN, H. B. CLAFLIN,

HENRY BOWERS, CHARLES WRIGHT, M. D., WM. H. APPLETON, JOHN M. FURMAN, LOOMIS L. WHITE, EDWARD MARTIN, William BARTON, David Dows,

ROBERT B. COLLINS, JOHN MAIRS, WILLIAM A. BOOTH, GEORGE A. OSGOOD, S. S. FISHER,

Edw. A. WHITTEMORE, HENRY TUCK, M. D., ALEXANDER STUDWELL, WILLIAM H. BEERS. THEODORE M. BANTA, Cashier.

MORRIS FRANKLIN, D. O'DELL, Superintendent of Agencies.

President CHARLES WRIGHT, M. D., Residence, 109 E. 26th St., Medical WILLIAN H. BEERS, HENRY TUCK, M. D., Residence, 15 E. 31st St., Examiners. Vice-President and Actuary.

3,120,371.48

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PAGE

CONTENTS. I. Comparative Jurisprudence. By WILLIAM M. Ivins..... 577 VII. State Education : a Help or Hindrance? By the Hon. AUBERON HERBERT

585 III. How Animals digest. By HERMAN L. FAIRCHILD. (Illustrated.) 600 IV. The Solar System and its Neighbors. By C. B. WARRING, Ph. D. 612

V. Legal Prosecutions of Animals. By WILLIAM JONES, F. S. A.. 619 VI. Psychogenesis in the Human Infant. By Professor W. PREYER. 625 VII. Climbing Plants. By Francis DarwIN, F.L.S. (Illustrated.). 635 VIII. Æsthetic Feeling in Birds. By Professor GRANT ALLEN...... 650 IX. Electricity and Agriculture. By Dr. Paget Higgs.....

664 X. Zoölogical Education. By Professor W. S. BARNARD... 666 XI. The English Precursors of Newton....

669 XII. Night-Schools in New York and Paris. By Alice H. RHINE. 681 XIII. Sketch of Joseph Leidy. (With Portrait.).

684 XIV. Correspondence..

692 XV. Editor's Table..

693 XVI. Literary Notices..

697 XVII. Popular Miscellany ..

705 XVIII. Notes...

719

NEW YORK:
D. APPLETON AND COMPANY,

1, 3, & 5 BOND STREET.

COPYRIGHT BY D. APPLETON & CO., 1880. Eutered at the Post-Office at New York, and admitted for transmission through the mails at second-class rates. of this

Flint's Text-book of Human Physiology,

DESIGNED FOR THE USE OF

PRACTITIONERS AND STUDENTS OF MEDICINE.

By AUSTIN FLINT, Jr., M. D., Professor of Physiology and Physiological Anatomy in the Bellevue Hospital Medical College, New

York; Fellow of the New York Academy of Medicine, etc.

In one large octavo volume of 978 pages, elegantly printed on fine paper, and profusely illustrated with Three Lithographic Plates and

313 Engravings on Wood.

Price in Cloth, $6.00; Leather, $7.00. All important points connected with Human Physiology are treated of fully and clearly, and many subjects, such as the Nervous System, the Special Senses, etc., the treatment of which is barren and unsatisfactory in many works written or republished in this country, are brought up to the requirements of the day.

"Encouraged by the favorable reception of the first edition, I have spared no pafus in its revision. Aside from merely verbal corrections, I have made the following alterations : I have introduced a short account of my new experiments and views upon the 'respiratory repse,' published in 1877, have given a new description of the experiment showing the general rapidity of the circulation, have revised the account of the analysis of the blood for gases, have noticed the recent experiments of Pavy upon the influence of muscular exercise upon the elimination of urea, have given a brief description of the phonograph, and have endeavored to give a clearer statement of Pflüger's law of contraction. I have also modified my views with regard to the so-called 'safety-valve' fuuction of the tricuspid valve, and have eliminated bere and there statements that did not seem to me to be fully in accord with the present state of physiological knowledge."-From Author's Preface.

D. APPLETON & CO., Publishers,

1, 3, & 5 BOND STREET, New York.

A NEW TREATMENT BroConsumption, Asthma, pepsia, Headache, Debility, Neuralgia, Rheumatism, and all Chronic and Nervous Disorders. ACTS DIRECTLY upon the great nervous and organic centres, and cures by a natural process of revitalization. HAS EFFECTED REMARKABLE CURES, which are attracting wide attention. HAS BEEN USED BY Rt. Rev. John J. Keane, Bishop of Richmond, Va., Hon. Wm. D. Kelley, T. S. Arthur, and others, who have been largely benefited, and to whom we refer by permission, IS STRONGLY ENDORSED: “We have the most unequivocal testimony to its curative power from many persons of high character and intelligence.”—Lutheran Observer, "The cures which have been ob tained by this new treatment seem more like miracles than cases of natural healing." -Arthur's Home Magazine. “There is no doubt as to the genuine ness and positive results

treatment."- Boston Journal of Commerce THE OXYCEN HOME TREATMENT contains two months' supply. with inhaling apparatus and full directions for use. SENT FREE: a Treatise on Compound Oxygen, giving the history of this new discovery and a large record of most remarkable cures. Write for it. Address

Drs.

COMPOUND

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