162      REPORT OF THE COMMISSIONER OF INSURANCE.
In closing this report I wish to acknowledge the aid and
assistance which I have received fromn the various attorneys-
in-fact; the legal head of the American Reciprocal Association,
Mr. Charles M. Howell; his associate, Mr. R. F. Gilkenson; Spe-
cial Examiner Maurice Morrissey; Chief Clerk Eugene Shepard,
and Assistant Actuary Benjamin S. Beecher.
Respectfully submitted,
EDWARD A. KETCHAM,
Examiner, Insurance Dept.