20

giving the mortality in 23 German companies. This is known as the "23 German Offices Table," and is the usual standard in Germany.

In France, there were early tables, as follows: Duvillard's Table for annuitants and Des Parcieux' Table for insured lives, each named for its author. The former was published in 18o6 and was deduced during certain investigations of the influence of small-pox upon the mortality, and the latter was published in 1746 and was drawn from the experiences of religious houses.

In 1895, "combined experience" tables, both for insured lives and annuitants, were published in Prance, being constructed from the experiences of the leading French companies. The tables are known as A'' for the table from insured lives, and R" for the table for annuitants. There are no separate tables for males and females, the experience being combined.

A mortality table, known as the Fraternal Congress Table, was adopted by that association as a standard for fraternities. It was published in 1898. It was derived from the actual experience of a number of American, Canadian and Australian companies and fraternal societies, and was graduated under the supervision of Actuary George D. Eldridge.

The work is at this time nearly completed of computing new "combined experience" tables of the British companies, giving the experiences as to assured lives and annuitants separately, and also giving each table for males and females separately; thus there are four tables in all. Tables showing experiences under different kinds of insurance and also for different nears of insurance are given also. The British government annuity