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CHAPTER III.-PREMIUM PLANS
CHAPTER IV.-PLANS OF DISTRIBUTION OF PROFITS
CHAPTER 1.-WITHDRAWAL PLANS
CHAPTER VI.-GENERAL LEGISLATION RELATING ESPECIALLY TO BUILDING
AND LOAN ASSOCIATIONS.
MESSAGE OF THE PRESIDENT.
To the Senate and House of Representatives:
I transmit herewith the Ninth Annual Report of the Commissioner of Labor. This report relates entirely to building and loan associations in the United States.
GROVER CLEVELAND. EXECUTIVE MANSION,
Washington, May 1, 1894.
LETTER OF TRANSMITTAL.
DEPARTMENT OF LABOR,
Washington, D. C., May 1, 1894. SIR: I have the honor to transmit herewith the Ninth Annual Report of the Commissioner of Labor.
This report relates entirely to building and loan associations, and all other associations having for their purpose the objects of buildmg and loan associations as they exist in the United States.
In submitting this report I desire to acknowledge the valuable services of Mr Oren W. Weaver, the chief clerk of the Department; Mr. G. Wallace W. Hanger, who has had charge of the tabulation of returns; Mr. M.D. Mull, who has worked out the different plans for the distribution of profits, Mr. A. Hildebrand, who has performed a like service as regards the premium plans, and Mr. V. H. Olmsted, who analyzed and prepared the withdrawal plans, and with Mr. S. D. Fessenden compiled the laws of the various states relating to building and loan associations. The Department was fortunate in securing the interest and services of Mr. Michael J. Brown, of Philadelphia, who has been interested in building and loan associations for many years and who saved the Department a great deal of labor in the collection of addresses of associations. State and national bodies, consisting of del. egates from various associations, were of great service in the conduct of the investigation through resolutions adopted urging constituent bodies to furnish information as called for by the agents and experts of the Department.
Besides preparing this annual report, during the past year the Department has been engaged upon two special reports, one relating to the housing of labor and the other relating to the social statistics of cities, an investigation ordered by Congress. These reports will be forwarded to you in a few weeks. The field force of the Department is now engaged in collecting statistics relating to strikes and lockouts, the results of which, should they be gathered in time, will form the Tenth
Annual Report. The Third Annual Report was devoted to that subject, comprehending data from 1881 to 1886, inclusive. The pending investigation will bring the record of strikes and lockouts down to June 30, 1894. I am, very respectfully, your obedient servant,
CARROLL D. WRIGHT,
Commissioner. The PRESIDENT.