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the reader to the sub-title of the study. An effort has been made to make the study as concise as possible by selecting for statement and discussion only what seemed to be the most important.
The sources of the data are given in footnotes. In many cases direct quotations of some length have been given of fact material. This is especially true in the case of The Economic World, whose editor, Mr. A. R. Marsh, is rendering a distinct service in collecting data upon the changes which the war is working on insurance. To him the writer expresses obligation. To the Carnegie Endowment for International Peace, under whose auspices the study has been prepared under the direction of Dean David Kinley of the University of Illinois, the writer is under special obligations, as well as to the authorities of the Library of Congress who have been of invaluable service in aiding the author in securing data.
W. F. GEPHART. December 1, 1917.
Washington University, St. Louis.
EFFECTS OF THE WAR UPON INSURANCE, WITH SPECIAL REFERENCE TO THE SUBSTITUTION OF INSURANCE FOR