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the influence of height and weight on longevity and therefore of their value in life insurancp. different views may be taken and different significance seen. An important consideration seems to be that sound conclusions seem to have been drawn often from comparatively small numbers of facts, although no doubt we should be ready always to consider proviagra new facts and their bearing on the conclusions to which we ought to come. The conclusions we have to consider regarding the influence of height proviagra and weight on mortality are based on the records of 812,221 policies on the proviagra lives of men of North America, but it was deemed ad- visable to eliminate the cases at the extremes of height and of ages at entry. The committee was a joint one, chosen from among the members of the Association of Life Insurance Medical Directors and the Actuarial Society of America. The policies dealt with deutsche online apotheke viagra kaufen were those of men proviagra whose ages at entry were from 20 to 62 years inclusive, and whose heights ranged from 5 feet 3 inches to 6 feet 2 inches, representing 744,672 cases, or 92 per cent, of the data submitted. First, it is of interest to observe that out of the 744,672 men in question, only 24,525 were of aver- age height at date of entry. This investigation deutsche online apotheke viagra kaufen showed that the average height of the men ex- amined proviagra and accepted by the United States and Canadian life insurance offices was 5 feet 8V2 inches; while that of women was 5 feet 4I4 inches. This averages about 1 in 30, and seems to show that ab- normalities are very numerous. Next, no fewer than 396,034, or more than half of the cases, were at entry from 20 pounds below to 20 pounds above the average weight. Thirdly, covering the whole number of insured persons, while the expected deaths were 38,038, the actual deaths were 41,717, or 10 per cent, above the expectation. A fourth fact of much interest is that underweight appears to have far graver influences on health in early life than it does in later life. In fact, it seems to be an advantage in the latter stage of life. Thus of those entering at 20 to 24 years of age, 25 to 45 pounds underweight, the mortality actually experi- enced bore to that expected a ratio of 134 to 100. That is, 134 deaths occurred where only 100 were expected. On those entering at 50 to 56 years of age and from 25 to 45 pounds underweight, the act- ual mortality was only 91 per cent, of the expected, and among those entering at 57 to 62 it was only 81 per cent. The influences of overweight were found to be different. A great excess of weight of from 50 to 80 pounds had a bad effect at all ages of entry, but less at early ages than at later ones. Thus this amount of overweight at entry, 20 to 24, only re- sulted in a ratio of 103 to 100 expected; but at ages of entry, 40 to 44, the ratio rose to 175, and at 57 to 62 it was 138 per cent. Overweight, ac- cording to the rulings of the committee, to a moder- ate degree, is not a serious impairment in the young at entry, but has a material effect at the middle ages. For example, in the age group, 20 to 24, the deutsche online apotheke viagra kaufen mortality among those from 50 to 10 pounds over- weight was 3 per cent, in excess of the standard; while in the age group, 40 to 44, it was 75 per cent. At higher ages the effects are less serious. The influences of height, apart from weight, are not so apparent. At 20 to 29 years at entry, men of 5 feet 3 inches to 5 feet 6 inches, showed a ratio of 96 per cent, actual deaths to 100 expected; at from 5 feet 11 inches to 6 feet 2 inches the ratio was 122 per cent. At 40 to 49 men of the same three heights showed mortality ratios of 110, 109, and 120 per cent.; at age of entry, 50 to 59, the ratios of actual to expected deaths were 108, 109, and 101 per cent. The committee conclude that at the younger ages tall men have proved less desira- ble risks than short men ; at the older ages the short and medium-sized men have been slightly worse risks than tall men. Dr. Rabagliati concludes by saying that if any criticism could be made on the excellent work done by the committee, it would be to the effect that the effects of height and weight on the mortality of in- sured persons are rather weakened so long as "vital capacity" or chest expansion is overlooked. The inculcation of deep and full respiration being one of the most important of health functions, the play of the chest in ordinary respiration comes to be an important factor and closely related to height and weight. — The Assurance Medical Society, London, March 3, 1915. Cooperation of Medical Director and Local Examiner. — Dr. B. L. Jenkins in a paper read before the Medical Life Insurance Section of the Texas State Medical Association, says that life in- surance is of dual nature — economic and spiritual, for it is found in Holy Writ deutsche online apotheke viagra kaufen that "he who provideth not for his own household is worse than an infidel" and again "out of the mouth of two witnesses all things shall be affirmed." With these two biblical truths before us ; one the strongest injunction deutsche online apotheke viagra kaufen to insure and the greatest in- centive for insurance the world has ever heard; and the other a direct admonition and promise, it be- hooves the medical director and local examiner, each to cooperate with the other that a fair and just conclusion may be reached as to merits of the risk. The duty of each is not alone to the company, but to the applicant as well; for so accurately have actuary and mortality statistics been calculated that the expectant period of life has been reduced mathe- matically, to hours. Such being true nearly all men are entitled to some kind of insurance at some rate. It, therefore, is the duty and should ever be the practice of the local examiner to furnish to the medical director a perfect pen picture of the appli- cant, and it is the duty and should be the invari- able rule of the medical director to study this pic- ture as an art critic from its every angle before rendering his decision, and he should not deutsche online apotheke viagra kaufen do so then if there be any matter of doubt in his mind as to conditions or findings by local examiner, or if he