his forebears had lived to ripe old age, and he was sure that he knew more about himself than the examiner. Had this applicant showed a sense of reasonableness he should have been grateful to the doctor for calling his attention to a condition which surely would sooner or later prove either fatal itself or lead to some fatal lesion. It was learned that this man had gone directly to his family physician who laughed at such nonsense as had been told the (now) patient by the examiner. Another illustration of a slightly different type of case is afforded in the following history. A man of fifty years of age, five feet ten in height and 164 lbs. in weight, was brought for examination. In his youth there was a history of a mild attack of scarlet fever. He was almost a total abstainer, rarely taking liquor in any form. Physically he appeared to be an excellent risk. However, on examining the heart it was found that there was slight hypertrophy with an accentuated second aortic sound at the base, and the blood pressure was 180 mm. of Hg. Some sclerosis of the radial arteries was found. One company had refused him on account of albumin in the urine. There was none in the first specimen which was passed while in the office. The specific gravity was 1014. A morning specimen was obtained and contained a trace of albumin. Several specimens were then examined. Some contained albumin, some had no albumin content. The man was declined; no protests from the agent as albumin had been found. There was something tangible in that. Had the applicant been refused on account of his high tension, sclerosis of the radials, and slightly enlarged heart there would undoubtedly have been protests. And yet an applicant revealing such a state of the cardiovascular system without albumin in the urine should unhesitatingly be declined. Attention has been called to hypertension as an early, and some think an invariable, sign of chronic nephritis. My own experience has confirmed me in the belief that in hypertension the kidneys are often the seat of chronic interstitial changes. Careful palpation of the radial and brachial arteries will in every case reveal more or less thickening. There is yet another group of cases which the examiner sees as healthy subjects, namely those cases of sclerosis of the peripheral arteries without sclerosis of the aorta and without high tension. In such cases the radials, brachials, temporals and other superficial arteries are readily palpable, sometimes even revealing irregularities along the course of a vessel. Such cases are not subjects for insurance. The recognition of such a condition is of great importance to the one who has it and he should be urged to go to his regular physician for thorough examination. Should the physician ridicule the idea, as has happened to me more than once when I was actively engaged in insurance work, the examiner has done his full duty to the company, the applicant, and himself.