XIII. =An Independent Polish State should be erected=, which should include the territories inhabited by INDISPUTABLY POLISH POPULATIONS, which should be assured a free and secure access to the sea, and whose political and economic independence and territorial integrity should be guaranteed by international covenant. XIV. A GENERAL ASSOCIATION OF NATIONS must be formed under specific covenant for the purpose of affording mutual guarantees of political independence and territorial integrity to great and small States alike. NOTE.—Point II was practically cut out of the terms by the Versailles Council. Note the comprehensiveness of Point XIII, which explains the largeness of the Polish claims. Point XIV is the germ of the League of Nations idea, and is carried out in the famous clause 10 of the Covenant since rejected by the Senate of the United States. Note that there is no mention of indemnities; but the Council of Versailles opened the door by insisting on compensation to civilian populations. The £5,000,000,000 claimed in the Treaty represents an instalment of that claim which is estimated as likely to amount to £8,000,000,000. INDEX Acland, Sir Arthur, 81, 168 Addison, Dr., speech on Munitions, 218; Introduces Housing Bill, 314 Agadir Speech at Mansion House, 159 Agricultural Rates Bill (1896), 108 Aisne, the, 280 Albert, 274 American Army reinforcements, 1918, 276 Amiens, 151; German attempt to capture, 277, 281 Arabi Pasha, 48 Armentières, 278 Armistice, conditions of, 283; declared, 284 Arnold, Matthew, 50, 147 Asquith, Mr., and Welsh Disestablishment, 105; successor to Campbell-Bannerman, 112; and South African War, 115; in opposition (1902), 129, 134; and Tariff Reform, 136; Premier, 149; evidence on Bulgaria, 191; munition speech, Newcastle, 213; reconstruction of Government (1915), 214; interview of December 1916, 236; negotiations with Mr. Lloyd George, 237; downfall of Government, 242; refuses Woolsack, 242; and Maurice incident, 267 Athens, 184 Aubers Ridge, attack on, 214 Austria, strength in 1915, 198; Italy declares war on, 200; surrenders, 283