PREFACE   v

The writer also wishes to express his obligation to the following publishers for their kind permission to use portions of their copy-righted works: Prentice-Hall Company, D. Appleton and Co., West Publishing Company, Yale University Press, Yale Law Journal Co., Columbia University Press, Harvard Law Review Association, Trustees of the Columbia Law Review, Cornell Law Quarterly, University of Pennsylvania Law Review, and Illinois Law Review.

Urbana, Illinois,   GEORGE W. GOBLE.

May 1, 1931.

SUGGESTIONS OF OMISSIONS.

If sufficient time is unavailable for covering all the material in the book, one of the following three abridgments may be used:

1. Use Part I (Life and Accident Insurance) and Part II (Property Insurance) in alternate years. If this is done the section on waiver and estoppel should be used both years.

2. Use only the material beginning on the following pages: 20, 22, 24, (29), 431 49, 70, 76, 80, 95, 99, 108, (115), (123), 135, 143, 150, 153, 157, 159, 172, 178, (183), 187, 193, 198, (204), (213), (217),   2 S 235, 241, 246, 250, 252, 256, 260, 269, 276, 281, 284, 293, 295, 304, 310, 311, 312, 313, 320, 329, 330, 333, 335, 341, 342, 344, 347, 350,   7 358, 368, 372, 385, 388, 393, 401, 402, 404, 406, 408, 411, 414, 420, 432, 434, 437, 438, 443, 455, 466, 476, 487, (489), 493, (495), (497), 508, (514), (517), 520, (522), 524, 529, 538, 14.0,, (560), (561), (563), (564), (573), (592), 623, 628, 631, 635, 638, 641, 653, 658, (666), (669), (674), 684, 696, 701, 705, 708, 713, 719, 726, 729, 731, 745, 747, 753, 755, 760, 764, 767, 777, 779, 780, 782, 786, 787, 790, 803, - 812, 813, (819), (821), (822), (830), 840, 848, S50, 859, 862, 865.   ,

3. Part I, Chapters 3 and 4, and Part II, Chapter 3 and Section 2 of Chapter 4 carve out the heart of the subject. It may be thought desirable therefore to use all of this material. But if this is done, omissions in other parts of the book, more extensive than those indicated in suggestion II above, may be necessary. A satisfactory reduction for this purpose may be provided by further omitting the cases inclosed in parentheses.