USA > Massachusetts > Essex County > Peabody > Polk City Directory Peabody Section Only 1933-1934 > Part 1
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POLK'S SALEM (Essex County) (MASSACHUSETTS)
CITY DIRECTORY (for the Year beginning Dec. 1, 1933) Vol. XXXV. 1933-34 Including
PEABODY, DANVERS and MARBLEHEAD
Containing an Alphabetical Directory of Business Concerns and Private Citizens, a Street and Avenue Guide and Directory of Householders, and Much Information of a Miscellaneous Character; also a
BUYERS' GUIDE and a Complete
Classified Business Directory FOR DETAILED CONTENTS SEE GENERAL INDEX
"The
PRICE
DIRECTORY IS THE COMMON INTERMEDIARY BETWEEN
$15.00
BUYERANDSELLER"
R. L. POLK & CO. of New England Publishers
6 New Derby St. Salem, Mass. Tel. 2152
354-360 Fourth Ave., New York, N. Y. Tel. Caledonia 5-8500,
DIRECTORY LIBRARY FOR FREE USE OF PUBLIC AT SALEM CHAMBER OF COMMERCE
Member Association of North American Directory Publishers
Copyright, 1934, by R. L. Polk & Co. of New England
Section 28, Copyright Law In Force July 7, 1909
That any person who wilfully and for profit shall infringe any copyright secured by this act, or who shall knowingly or wilfully aid or abet such infringement, shall be deemed guilty of a misdemeanor, and upon conviction thereof shall be punished by imprisonment for not exceeding one year, or by a fine of not less than one hundred dollars nor more than one thousand dollars, or both, in the discretion of the court.
ASSN OF NORTH
PUBLICO
AMERICAN
DIRECTORY
ISHERS
PUBL
PUBLISHERS' NOTE The information in this Directory is gathered by an actual canvass and is compiled in a way to insure maximum accuracy.
The publishers cannot and do not guarantee the cor- rectness of all information furnished them nor the complete absence of errors and omissions, hence no responsibility for same can be or is assumed.
The publishers earnestly request the bringing to their attention of any inaccuracy so that it may be corrected in the next edition of the directory.
R. L. POLK & CO., of New England, Publishers.
GENERAL INDEX
Salem Peabody Danvers Marblehead
Abbreviations
52
Alphabetical List of Names.
53
545
771
903
Apartment Buildings
1040
1040
1040
1040
Buildings-Office and Public.
1051
1051
1052
1052
Business Directory
1039
1039
1039
1039
Buyers' Guide
21
21
21
21
Cemeteries
1053
1053
1053
1053
Chamber of Commerce.
Y
Churches
1054
1054
1055
1055
City Government
14
541
Classified Business Directory
1039
1039
1039
1039
Clergymen
1055
1056
1056
1056
Clubs
1057
1058
1058
1058
Convents
1063
1063
County Officers
17
541
767
899
Courts
18
543
901
Fire Department
15
542
768
900
Fraternal Organizations
1115
1115
1116
1116
Halls
1078
1078
1078
1079
Homes
1080
1080
1080
1080
Hospitals
1080
1080
1080
1080
Index to Advertisers.
8
Labor Organizations
1084
1084
Legal Blue Book
opp. 1085
Libraries
1087
543
768
901
Mass. Commonwealth of
18
Parks
1101
1102
1102
Police Departments
16
543
768
901
Post Offices
18
543
768
901
Public Schools
1112
1112
1112
1112
Railroad Stations
18
543
1107
.901
Street & Householders Directories
405
699
861
993
Title Page
5
Town Governments
767
899
INDEX TO ADVERTISERS
Page
Almy Bigelow & Washburn .... back bone and 4
Ames A P Co.
37
Association of North American Directory Publishers
X
Audet Alfred
left botton lines and 28
Baker Elliott R
49
Beaver Automobile Co 23
Bedell Clyde I
44
Belleau Adelard
left top lines and 48
Berry Wm A
right top lines and 31
Bixby H M Co The
left botton lines and 34
Blaney George A Insurance Agency Inc .... left botton lines and 39
Boston Expert Auto Radiator Works.
back cover
Burlen Robert & Son 28
Business Aid Shop
50
Cabeen John F Co .......
left bottom lines and 46
Chamber of Commerce.
Y
Chaput Paul N Inc ...
.left top lines and 39
Clark & Friend
29
Colonial Garage Inc .... left bottom lines and 23 Colonial Wall Paper Co ..... left top lines and 45 Cote E Theodore. 35
Crosby Wm H
left top lines
Croughwell Henry J.
front cover
Danvers Co-operative Bank 26
Danvers National Bank 26
Danvers Savings Bank 26
Davison S G.
front cover and 22
Delande's Supply Co.
left top lines and 46
Deschamps Bros
Dickinson E R.
front stencil
Donovan D J.
40
Dooling & Coffey
46
Dow Lumber Co.
left top lines and 42
Earley Radio Service Co ... left top lines and 48
Elliott C L ...
29
Flynn Coal Co.
Ford Arthur S & Co.
40
Frye David
right top lines
Royal Beverage Shop.
left bottom lines
Gardner Mattress Corp.
back cover
Gilbert & Cole Co ...
top stencil
Salem Co-operative Bank
27
Salem Electric Lighting Co. 34
Salem Evening News
44
Salem Five Cents Savings Bank
front cover
Hawthorne Hotel.
38
Hickey Mary Louise
34
Hill B F Co ..
38
Holyoke Insurance Office.
front cover and right top lines
Hutchinson Lumber Co ..
left top lines and 46
Silver's Supply Co Inc.
43
Hygrade Sylvania Corp 41
Irving Box Co Inc. 28
Jackman Motor Co.
left top lines and 23
Kimball Bros.
left bottom lines
Lafayette Laundry
42
Langmaid J P & Sons.
43
LaPorte's Inc.
left top lines
Larrabee & Hingston
51
Lavender Printing Co.
47
Lee & Osborn .
back cover
Lefavour Music House.
front cover
Leslie Sign System.
left top lines
Leslie W J Co. 28
Lincoln Hotel. left bottom lines and 38
Lloyd Andrew J Co.
45
Lord & Herlihy Inc
36
Lovett Charles W. back cover
Low Daniel & Company
41
Lubets & Lubets
back cover and right top lines
Manning Wm F.
left bottom lines
Martin John S Co
29
Maurais Charles F.
31
Merchants National Bank .... left top lines and 24
Metcalfe J S.
22
Michaud's Bus Service.
left bottom lines
Miller Raymond P
left top lines
Miller's
43
Moody L B Co.
49
National Grand Bank of Marblehead
26
National House Furnishing Co. 36
Naumkeag Steam Cotton Co. 33
Naumkeag Trust Co 2
New Essex House The.
39
Newcomb & Gauss Co.
47
Newhall Milo A & Co.
47
North Shore Fuel Corp
back cover
North Shore Publishing Co Inc.
44
Norton Fred A
front cover
O'Neil Contracting Co ..... right top lines and 32
O'Rourke Bros
43
Ouellette Napoleon
48
Page & Goodwin Printing Co. 47
Parsons Laundry
42
Pauling Fredk S.
right top lines
Pickering George W Coal Co.
30
Pickering John L Co.
right top lines
Pitman & Brown Co ..
.. bottom stencil and 3
Polk R L & Co.
22
Power D B H Inc.
36
Putnam George O
39
Roger Conant Co-operative Bank. 27
Rowe Motor Co.
24
Salem Auto Spring Service.
22
Goodell Zina Corp ....... left bottom lines and 37 Graves James E Inc. 51
Harmony Grove Cemetery 35
Hawkes Plumbing & Heating Co.
Salem Gas Light Co. 37
Salem Laundry Co.
42
Salem Morris Plan Co. 27
Salem Rubber Co
Salem Savings Bank
Salem Storage Warehouse Co.
50
Salem Sunday Tribune
Skeffington Richard W.
Smith A C.
right top lines and 50
Thomas Studio
left bottom lines and 45
Trask Roofing Co
48
Warren Five Cents Savings Bank 27
Warren National Bank
25
Waters & Brown
38
Webber Wm G Co
right top lines
Welch J J & Co
31
Learoyd & Co Inc.
40
Welch & Moynihan Co
31
Whitten C E & Sons ...... left bottom lines and 24 Wilson Square Auto Supply 23
Wilson & Emmerton
... right top lines and 35
Wilson & Robinson Inc
right top lines
Witch City Auto Body Co
.back cover
44
back cover
49
25
Z
Falkowski Francis J.
left top lines
29
Ropes Drug Co.
right top lines
left bottom lines
Page
INTRODUCTION
R. L. POLK & CO., publishers of the Salem City Directory, as well as more than 750 other city, county, state and national directories, present to sub- scribers and the general public, this, the 1933-34 edition of the Salem Directory, which also includes Peabody, Danvers and Marblehead. The present edition represents the third Polk directory of this community, and is completely standardized.
Confidence in the growth of the community's industry, population and wealth, and in the advancement of its civic and social activities, will be created as sections of this directory are consulted, for the directory is a mirror truly reflecting the community to the world.
The enviable position occupied by R. L. POLK & CO.'S directories in the estimation of the public throughout the country, has been established by rendering the best in directory service. With an unrivaled organization, and having the courteous and hearty cooperation of the business and professional men and residents, the publishers feel that the result of their labors will meet with the approval of every user, and that the Salem Directory will fulfill its mission as a source of authentic information pertaining to the community.
Five Major Departments
The several essential departments are arranged in the following order:
THE MISCELLANEOUS DEPARTMENT for Salem, pages 14 to 19, presents a variety of information, such as lists of city and county officials; post office and public school directories; statistical review; historical sketch; and manufacturing, trade and civic surveys. Similar departments for Peabody, Dan- vers and Marblehead will be found at the beginning of their respective sections.
THE BUYERS' GUIDE, pages 21 to 52, printed on tinted paper, contains the advertisements of leading manufacturing, business and professional interests of Salem, Peabody, Danvers and Marblehead. These pages will be found par- ticularly interesting and instructive to substantial purchasing factors. The advertisements have been carefully grouped by departments and are indexed under headings descriptive of the business represented. This is reference adver- tising at its best, and, as such, merits a survey by all buyers eager to familiarize themselves with sources of supply. The community's activities, in many inter- esting phases, are authentically pictured. In an ambitious and progressive community like Salem and vicinity, the necessity of having this kind of informa- tion immediately available, is very great, and frequently pressing. General appreciation of this fact is evidenced by the liberal support the city directory enjoys in the many fields which it serves.
THE ALPHABETICAL LIST OF NAMES of residents, business firms and corporations of Salem is included in pages 53 to 404. A feature of this section is the inclusion of the wife's name in parentheses following that of her husband. A similar list for Peabody appears in pages 545 to 697; for Danvers, in pages 767 to 859, and for Marblehead, in pages 903 to 992.
THE DIRECTORY OF HOUSEHOLDERS, INCLUDING STREET AND AVENUE GUIDE, for Salem, covers pages 405 to 540. In this section the names of the streets and avenues are arranged in alphabetical order; the residences and business houses are arranged numerically under the name of each street and avenue, and the names of householders and business concerns are placed opposite the numbers. A similar directory for Peabody, occurs in pages 699 to 766; for Danvers, in pages 861 to 898; and for Marblehead, in pages 993 to 1038.
10
INTRODUCTION
THE CLASSIFIED BUSINESS DIRECTORY is included in pages 1039 to 1126. This department lists the various manufacturing, mercantile and professional interests of the whole community in alphabetical order under appropriate headings. This feature constitutes an invaluable and indispensable epitome of the business interests of the community. "The Directory is the common intermediary between Buyer and Seller." As such it plays no small part in the daily doings of the business world. "More goods are bought and sold through the Classified Business Directory than through any other medium."
Community Publicity
The directory reflects the achievements and ambitions of the community, depicting in truthful terms what it has to offer as a place of residence, as a business location, as an industrial site and as an educational center. To broad- cast this information, the publishers have placed copies of this issue of the direc- tory in Directory Libraries, where they are readily available for free public reference, and serve as perpetual and reliable advertisements of Salem, Peabody, Danvers and Marblehead, for business men, everywhere, realize that the city directory represents a community as it really is.
The Salem Directory Library
Through the courtesy of the publishers of the Salem City Directory, a Directory Library has recently been established in the offices of the Salem Chamber of Commerce, for free reference by the general public. This is one of more than 450 Directory Libraries installed in the chief cities of the U. S. and Canada by members of the Association of North American Directory Pub- lishers, under whose supervision the system is operated.
The publishers appreciatively acknowledge the recognition by those pro- gressive business and professional men who have demonstrated their confidence in the city directory as an advertising medium, with assurance that it will bring a commensurate return.
R. L. POLK & CO., Publishers.
SALEM
CENTER OF THE BEAUTIFUL NORTH SHORE OF MASSACHU- SETTS; THE MOST HISTORIC CITY IN THE EAST. (Courtesy Salem Chamber of Commerce)
Statistical Review
Form of Government-Plan B, consisting of mayor, 5 councillors-at-large and 6 ward councillors, who are elected for a period of 2 years.
Incorporated as a city.
Population-43,353 (1930 U. S. Census report). White population of age- males, 12,746; females, 14, 144. Total colored population-101; males 48; females 53. American-born population is 76.8% of the whole.
Area-8.2 square miles.
Altitude-Town House Sq. is 30 ft. average above low water.
Climate-Mean annual temperature, 51.8 degrees F .; average annual rain- fall (or preciptation), 41.06 inches.
Parks-25, with total acreage of 375.22. Valuation of 14 parks $148,430.00. Assessed Valuation-$58,223,510, with $32.00 tax rate.
Bonded Debt-$1,770,500 (net), 1933.
Financial Institutions-3 banks and 1 trust company. National Bank re- sources, $3,578,891.25 (Oct. 25, 1933); deposits, $3,251,158.11 (Oct. 25, 1933). Savings banks, with total deposits of $41,875,908.73 (Dec. 1933). Building and loan associations, with total assets of $7,338,859.35 (Oct. 1933).
Telephones in Service-5720.
Churches-24, representing leading denominations.
Building and Construction-Number of building permits issued, 460, valued at $522,435 (July 1, 1932, to July 1, 1933).
Real Estate-From Jan. 1, 1933, to Dec. 26, 1933, 4,835 deeds recorded for Essex County.
Number of Manufacturing Establishments-106, employing 4,518 men and women, paying wages of $4,165,968 annually, and having products valued at $18,416,612 annually as per report covering the year 1932.
Trade Area-Retail area has radius of 16 miles, and population of 125,000. Newspapers-1 daily, 1 Sunday and 1 weekly; also a Polish paper.
Hotels-4, with total of 200 rooms. Newest hotel opened in 1925 (Haw- thorne Hotel).
Railroads-1, Boston &. Maine.
Highways-The following highways run through, or to, the city: 2 State highways, (Loring Ave.), (Highland Ave.)
Airports-1, municipally owned airport in Beverly.
Amusements-4 moving-picture theatres, with total seating capacity of 3,400 persons; 1 "legitimate" theatre, with total seating capacity of 1,003 persons. Number of golf courses in, or near, the city-2.
Hospitals-1, with total of 150 beds.
Education-Chief, institutions of higher learning, State Teachers College, Salem Commercial School, Hawthorne Institute. Number of public schools, 19,
12
SALEM STATISTICAL REVIEW
including 1 senior high school. Number of parochial schools, 7. Number of pupils in public schools, 5,926; in parochial schools, 3,629. Number of teachers in public schools, 203. Value of public school property, $595,668; parochial school property, $298,440; college property, $303,750, (as of June, 1933).
Public Libraries-1 public library and three branches, with total of 90,117 volumes.
City Statistics-Total street mileage, 63.7. Number of water meters, 5,755 (1932; light meters, 12,550; gas meters, 9,741 (as of Nov. 30, 1933). Capacity of water works, 2 reservoirs (10,000,000 and 20,000,000 capacity, with daily (1932) average pump of 4,247,868 gallons, 81-1 miles of mains, and plant valued at $2,736,785.50 (1932). Sewers, sanitary 53.44 miles, surface 14.58 miles. Fire department has 59 permanent paid men, 33 call men, with 11 autos, 9 engines, 3 hose and chemical wagons, and 2 hook-and-ladder trucks. Value of fire de- partment real estate and equipment, $208,000.00. Police department has 74 men, with 2 stations and 9 pieces of motor equipment. Value of police department equipment, $11,723.27.
History
Salem was founded in 1626, and is one of the oldest cities in the United States. It has taken an active part in all the historic events of the country, and is today a prosperous, industrial and residential city, preserving more historic landmarks, relics and articles of Colonial interest than any other city in New England.
Here is the scene of the famous Witchcraft Delusion of 1692, the meeting place of the first Provincial Congress, and the site of the old North Bridge, where occurred the Colonies' first armed resistance to the British in the Revolu- tion. Nathaniel Hawthorne, the celebrated author, was born in Salem in 1804, and here he lived and wrote, drawing most of his plots from the town of his birth.
Modern Salem is the shire town of Essex County and the retail center of about 200,000 people. It is a city of diversified industry and is famous for the manufacture of cotton goods, leather, shoes, incandescent lamps, radio tubes, games, etc. It has about seventy different kinds of manufacturing, represented by one hundred and fifty factories. Salem has a population of more than 43,000.
It is a city of homes. About sixty-five per cent of the dwellings are owned by the occupants. It is rated as a "B" city by the fire underwriters, which gives the city the lowest insurance rate possible.
Location
Salem is located on the Eastern Division of the Boston & Maine Railroad, thirty minutes from Boston. It is sixteen miles north of Boston and has excellent train service. It is on the direct automobile route from Boston to Maine and New Hampshire summer resorts.
This city is located upon Salem Harbor, is cooled throughout the summer by delightful east winds and is sheltered from the extreme weather in winter. Salem is a shipping center with direct rail connections.
Education
The high standard of Salem's schools is generally recognized. The State Teachers College is one of the oldest in America. In the Department of Educa- tion, a degree of Bachelor of Science in education is granted at the completion of four years. It is one of the largest normal schools in the state.
The High School is splendidly equipped with recreation rooms, libraries, laboratories, auditorium, study halls and gymnasium. It has nearly fifteen hundred students and a corps of sixty teachers.
There are sixteen grade schools with an enrollment of over forty-five hun- dred and one hundred and forty-two teachers. There are six parochial schools, two commercial schools, and two private schools.
The Public Library was formerly the home of Captain John Bertram. In 1887 this magnificent estate was given to the city for a public library. The Library, with 3 branches, contains 90,117 volumes.
13
SALEM STATISTICAL REVIEW
Clubs and Fraternities
The Rotary Club meets Tuesdays at 12:15 and the Kiwanis Club, Thursdays at 12:15, at the Hawthorne Hotel. There are three women's clubs: Salem Woman's Club, Thought and Work Club and the Society for Higher Education; also Salem Fraternity, the oldest boys' club in America, Y. M. C. A. (the first boys' branch in the world was organized in Salem), Young Woman's Associa- tion, Masons, Elks, Knights of Columbus, Odd Fellows and many others.
Recreation
Salem has four motion-picture theatres, and two splendid golf courses-the North Shore Golf and Tennis Club and the Salem Country Club.
At Forest River Park there is a tourist camp, with running water and toilet facilities. It has a splendid salt water swimming pool and a new and attractive bath house. The park is under city supervision and is free.
The Salem Willows is a noted recreational park on the North Shore, with boating, bathing, fishing, shore dinners, ball park, open air theatre, dancing, bowling, etc. It is beautifully located on Salem Harbor.
Churches
Salem has many beautiful churches, representing almost every denomination. The architecture of some of the churches is noteworthy.
The first meeting house for Congregational worship in America was erected in Salem in 1629, and continued as a place of worship for nearly three hundred years.
Retail Trade
The retail section of Salem is the purchasing centre of approximately 200,000 people, and its stores are of a distinctly metropolitan character.
Industry
The industries of the city are remarkably diversified. Good wages are paid. The living conditions are excellent. The city is unusually free from labor troubles. There is a splendid electric lighting plant, furnishing ample light and power for local needs, with a large super-power plant under construction to supply the growing demand of this section. The water supply is of the best.
Salem is a good city in which to live, and offers splendid inducements to prospective manufacturers.
Hotels
The Hawthorne Hotel, erected by citizens of Salem, is situated at the junction of the Hawthorne Boulevard and Washington Square. It is of a distinctive type due to Colonial traditions and is undoubtedly the finest tourist and commercial hotel north of Boston. It affords a cool, charming stopping place for use of summer tourists as headquarters from which to enjoy, not only the historic treats of Salem, but many fine motor trips along the coast and through the woodlands of what many people consider the most attractive section of New England. It affords a central point for traveling men doing business anywhere in Essex County. Good meals, a comfortable night's rest, and an early start, without traffic complications, make it ideal for this class of patronage.
A commodious garage is located a short distance from the hotel. There are five smaller hotels, and two summer hotels at the Salem Willows.
The Pioneers' Village
Forest River Park, Salem, Massachusetts. A correct reproduction of life in a Puritan settlement. Covers three acres and has 12 buildings. Built by the citizens of Salem as part of the Massachusetts Tercentenary of 1930. It has proved of such interest and educational value that it is being maintained as a permanent historical feature of the city. Open daily until dusk.
20
(1933-'34) R. L. POLK & CO.'S
When You Want to Know:
-where a person lives.
-what his occupation is.
-who lives at a certain number on a street.
-where a street is located. -the correct spelling of a name. -the officers of a corporation. -the partners in a firm.
-the solution to any of scores of prob- lems that pop up unexpectedly to annoy and baffle you.
-you can quickly find the answer in the City Directory.
CLASSIFIED BUYERS' GUIDE OF THE CITY OF
SALEM, PEABODY, DANVERS AND MARBLEHEAD (MASSACHUSETTS) 1933-34
MORE GOODS ARE BOUGHT AND SOLD
THROUGH THE
CLASSIFIED BUSINESS LISTS
OF THE
DIRECTORY THAN
ANY OTHER-MEDIUM ON EARTH
The Buyers'Guide contains the advertisements and business cards of the more progressive business men and firms in the city, classified according to lines of business
R. L. Polk & Co., of New England Publishers
6 New Derby St. Salem, Mass.
354-360 Fourth Av. New York, N. Y.
22
ADDRESSING & MAILING
Addressing and Mailing
With large and fully equipped addressing and mailing depart- ments in the larger cities, we can handle up to the largest campaigns quickly and at attractive prices.
R. L. POLK & CO.
Directory Publishers, Mailing List Compilers, Addressing and Mailing Service New York. N. Y. Philadelphia, Pa. Chicago, Ill. Pittsburgh, Pa. Los Angeles, Cal. Milwaukee, Wis. Indianapolis, Ind. Cleveland, Ohio San Francisco, Cal. Seattle, Wash.
ANTIQUES
J. S. METCALFE Antiques
Antique Clocks Antique Furniture Works of Art 73-75 FEDERAL, Cor. NORTH Tel. SALEM 3503
AUTOMOBILE SPRINGS
SALEM AUTO SPRING SERVICE Axles and Wheels Straightened Cold
TRUCK BODIES & EATON SPRINGS REPAIRED GFormerly PERFECTION and AMERICAN
ALL KINDS OF WOODWORK
31 Bridge Street
TEL. 4177
SALEM, MASS.
AUTOMOBILE TIRES -- BATTERIES -- GREASING
S. G. DAVISON Automobile Tires, Batteries & Greasing 72 Lafayette, Cor. New Derby St., SALEM, MASS. TEL. 204
(1933-34) R. L. POLK & CO'S
23
Automobile Tires -- Batteries -- Greasing
WILSON SQ. AUTO SUPPLY Accessories and Supplies Wilson Square, 1 Andover Street, Peabody, Mass. Telephone 870
AUTOMOBILES
DODGE BROTHERS Motor Cars and Trucks PLYMOUTH MOTOR CARS
BEAVER AUTOMOBILE CO. 281 Derby Street Tels .: 2050 - 2051
Salem, Mass.
COLONIAL GARAGE, INC.
Pontiac Cadillac and LaSalle Motor Cars
283 DERBY ST. Tels. 1375 - 3906
SALEM, MASS.
JACKMAN MOTOR CO. Sales Packard Service
GENERAL REPAIRING
274 DERBY STREET SALEM, MASS.
SALEM CITY DIRECTORY (1933-34)
24
AUTOMOBILES
ROWE MOTOR COMPANY
Sales
Ford
0
Service
20 - 22 FOSTER STREET
Telephone 840 Peabody, Mass.
C. E. WHITTEN & SONS Buick Motor Cars
LYNN
SALEM
BEVERLY
Tels. Salem 2196, 2197
BANKS
SALEM ORGANIZED 1811
The Merchants National Bank
OF SALEM, MASS. The Oldest Banking Institution in the city, offers a complete BANKING SERVICE TO EVERY ONE DEPARTMENTS
Commercial Foreign Exchange
Trust
Safe Deposit Vault
Storage Travellers Checks Letters of Credit Thrift
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