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Instead of proceeding to such violence I am merely resorting to a very harmless guile in getting round the absurd restrictions imposed by the benchers of the Inns of Court, namely that all who claim a call to the Bar should not be accountants, actuaries, clergymen or women.

Should the property be totally destroyed the company pays up to the amount named in the policy. No company cares to insure for the full amount of the property; that might be an incentive to incendiarism. In taking a fire risk, the companies base their estimates on tables as carefully worked out and from experiences quite as well studied as those of the actuaries of life companies.

During the eighteen years of his connection with it first as a subordinate in the Boston office, and finally as its general agent there he had seen a good many changes in the Reciprocity; presidents, vice-presidents, actuaries, and general agents had come and gone, but there had always seemed to be a recognition of his efficiency, or at least sufficiency, and there had never been any manner of trouble, no question of accounts, no apparent dissatisfaction with his management, until latterly, when there had begun to come from headquarters some suggestions of enterprise in certain ways, which gave him his first suspicions of his clerk Watkins's willingness to succeed him; they embodied some of Watkins's ideas.

During the eighteen years of his connection with it first as a subordinate in the Boston office, and finally as its general agent there he had seen a good many changes in the Reciprocity; presidents, vice-presidents, actuaries, and general agents had come and gone, but there had always seemed to be a recognition of his efficiency, or at least sufficiency, and there had never been any manner of trouble, no question of accounts, no apparent dissatisfaction with his management, until latterly, when there had begun to come from headquarters some suggestions of enterprise in certain ways, which gave him his first suspicions of his clerk Watkins's willingness to succeed him; they embodied some of Watkins's ideas.

Wright sent to their agents for a statement of their financial standing, and not receiving a reply requested them to leave the State. Finding that the matter could not be evaded, they at length forwarded two reports signed by two actuaries, both Fellows of the Royal Society, which were not of a satisfactory character, so that Mr. Wright insisted on his previous order.

I should consider I was justified in a Court of Equity if I burnt down or blew up the Law Courts or one of the Inns or broke the windows of the Chartered Institute of Actuaries or the Incorporated Law Society.

The date when this story begins is a Saturday afternoon in June, 1900, about 3 p.m. The scene is the western room of a suite of offices on the fifth floor of a house in Chancery Lane, the offices of Fraser and Warren, Consultant Actuaries and Accountants. There is a long window facing west, the central part of which is open, affording a passage out on to a parapet.

As to that we needn't distress ourselves. It's rather piteous about the prohibiting Accountants, because as women we are not allowed to qualify in any capacity as Accountants or Actuaries; and work here is only permissible by our not pretending to belong to any recognized body like the Institute of Actuaries.

None of the actuarial or accountancy corporations will admit women, so we can't pass exams and call ourselves chartered actuaries or incorporated accountants. But if women clients choose to consult us there is no law to prevent them, or to make our giving advice illegal. So we advise and estimate and do accounts and calculate probabilities.

Some save to emigrate; some to buy clothes; some to buy a watch; but in all cases frugality is trained, until saving becomes habitual. One of the Yorkshire actuaries of the Penny Bank tells the following anecdote as conveying a lesson of perseverance and encouragement to branch managers. "Mr.