^{page 141 note *} “Rate of mortality” is used in the sense of “probability of death within a year at a particular age”, not in the sense of the “death rate of the total population”; the latter is almost useless.

^{page 142 note *} The Commissioners also mate use of the term “hereditary syphilis.” This is open to criticism; it is generally held that the syphilis arises from infection before birth.

^{page 146 note *} Six lines in an Appendix give a reference to the records of the Gotha Company and “other insurance records.”

^{page 146 note †} A suggestion has been made that the exclusion by Friendly Societies of liability in respect of sickness caused by an insured person's own fault deters the person from obtaining efficient treatment of venereal disease. There seems no definite evidence of this. If the basis for premiums excludes part of the sickness from venereal disease then the inclusion of that part might be financially unsound unless the theory that its inclusion will indirectly decrease subsequent sickness is correct.