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The Story of the C.W.S.
       C.I.S. to join with the C.W.S.  " in making a more strenuous effort
       to enable societies to do all their insurance within the movement."
        Mr. Odgers replied to Mr. Bate at the arniual meeting  of the
        Insurance Society on March 30th, saying that keeping the business
        within the movement meant keeping all the losses also. "As it may
        be admitted that the profit is made out of the small business, and
        not out of the insurance of large risks, co-operators should be chary
        of taking any steps which, instead of saving a problematical 3 per
        cent, may easily result in serious loss."  To this Mr. Archer, of the
        Sunderland Society, repHed in the News of April 13th, quoting figures
        to prove that  "  the fear of loss should not deter us from going
        forward." And, mainly as a result of a deputation from the Middles-
        brough Society to Hartlepools in the summer of 1907, a special
        conference of societies interested, from Carlisle to Stockton, was held
        in Middlesbrough on November 9th,  1907.  Here Mr. R. Smith
        read the paper from which we have already quoted ; and Mr. Archer
        afterwards proposed the appointment of a deputation to urge an
        active poUcy upon the C.W.S. Committee.  Despite an amendment
        in the interests of the C.I.S. this resolution was carried by a large
        majority.
           A few weeks afterwards a notice of motion from the Sunderland
        Society appeared on the agenda for the C.W.S. Quarterly Meetings,
        asking that the C.W.S. executive should be directed to commence
        an insurance department for all risks; while Hartlepools, Middles-
        brough, and  eight other  societies put forward another motion
        calling upon the C.W.S. to formulate a scheme for placing all the
        insurance business of the co-operative movement under one central
        authority. But the C.W.S. Committee still were not anxious to take
        any action Hkely to be prejudicial to the C.I.S.  Only recently the
        Wholesale Society had absorbed first the Hosiery Society, then the
        Huddersfield Brush Society, and then the Oldham and Rochdale
                                          "
        Flour Mills.  Outcries had been raised of  co-operative imperiahsm,"
        and in some quarters the C.W.S.  directorate was  supposed to
        constitute a sort of collective Napoleon.  Actually the executive
        wished to be nothing of the kind; and an invitation to rise up and
        conquer was simply embarassing. When the Committee knew that
        a motion for an insurance department would be put forward at the
        December meetings it again invited a deputation from the C.I.S. to
        discuss the situation (October 26th, 1907).  Mr. Barnett, for the
        C.I.S., then claimed that  "  the Insurance Society could take and do
        all the business of the co-operative movement except the large fire
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