page 20 note * Since the above was written, a third plan, in which medical examination is dispensed with, has been formulated. In this case, a premium much above the tabular premium at entry has to be paid for seven years, when it is reduced by one-half, and then becomes less than the tabular rate at entry. On examination, it will be seen that the excess of premium over the tabular premium paid during the first seven years, after providing for the deficiency in the tabular premiums to be paid subsequently, leaves an initial single premium of some £5 or £6 per-cent as the monetary compensation to the office for the unknown risk it assumes. A further protection to the office, though it cannot be said to be an advantage to the assured, is to be found in the fact that only non-profit endowment assurances are granted under this scheme, and of these, only such, apparently, as mature at age 60 or earlier. My experience makes me very sceptical as to the willingness of men, believing themselves to be sound, to fine themselves to such an extent for a mere whim, while it affords still less ground for belief in the sufficiency of the fine as a protection against those who have their own sufficient reasons for refusing to be examined.