insurance protection, so that any severe losses will still be distributed.
This merit-rating system is working out very satisfactorily, and is
offering an incentive to the policy holder to take a greater interest in
accident prevention in his plant.

The expense of operating the State Industrial Accident Commission
is not a burden upon the taxpayers of the State as the entire expense
of the Commission, not including the State Accident Fund, is borne by
the private insurance companies which write Compensation Insurance,
self-insurers, and the State Accident Fund, while the cost of operating
the State Accident Fund is borne by the policyholders insuring in the
Fund.

THE COMMISSIONER OF LABOR
AND STATISTICS

Office, 16 West Saratoga Street, Baltimore.

Name. Postoffice.

Commissioner:
Henry Lay Duer - - Baltimore

(Term Expires 1937.)
Chief Clerk:
Margaret W. Hatfield - - Baltimore

Medical Examiners:

Dr. Wright S. Sudler ... . .. ...- ........... .. ...... .. .... Baltimore
Dr. Henry Sheppard, Jr. - - - - Baltimore

Statistician:
Madeleine V. Dunne .. - .. ...................... ...................... Baltimore

Supervisor of Permit Department:
Mary M. Wootton .... ....... .... ... ... . . . . ... ......... . Baltimore

Inspector Street Trades:
Harry A. LeBrun ............. ........... .- ..- .. . ...... . . ..... Towson

Chief Industrial Inspector:
William D. Bloom. .. ... - - Catonsville

Industrial Inspectors:

William G. Fox . Baltimore
George H. McCauley - .. .. . Baltimore
John F. Duggan...- ..................... ..... ............... . Baltimore
Joseph F. Miller Baltimore
Benjamin G. Green . ......... .... - ............. .. Towson
Edith S. Maynard - - - Baltimore
Edmund Rawa . .......... ... . .... ............. . ....... Baltimore
Monica McCarthy .. .. .... .. . ... . . . Baltimore
Lewis B. Francis...... .... . ......... .......... .... Salisbury
Arthur 1. Williams - Halethorpe
Robert C. Bedford ...... .... ... ......... ...... . . ... Halethorpe
Earl Barclay Tucker Forest Hill

Senior Clerks:

Catherine B. Hughes .. . Baltimore
Elizabeth D. Sanders - ..... .. ......... ....... ....... .. Baltimore

Stenographer- Secretary:
Selma B. Cone............................................................ ... Baltimore