USA > Massachusetts > Middlesex County > Wakefield > Town annual report of the officers of Wakefield Massachusetts : including the vital statistics for the year 1951 > Part 10
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In the month of December around Christmas week there were 104 Xmas trees sprayed in the interest of fire and home protection with a fire retarding solution.
CONCLUSION
In closing this report I wish to extend to the Honorable Board of Selectmen my sincere thanks for the interest and co-operation manifested by them in all matters pertaining to this department.
I wish to express my appreciation to the residents of Wakefield for their co-operation in fire prevention, to the permanent firemen who have responded to alarms when off duty; to the members of the call force for their co-operation at all times; to the auxiliary firemen who have given so freely of their time and efforts, and to all members of all other town departments for their assistance and co-operation.
To Herbert K. Noble and Paul Lazzaro my thanks are extended for their co-operation on matters pertaining to the Fire Department.
Respectfully submitted,
CLIFFORD E. JACOBS, Chief of Fire Department
Report of Director of Civil Defense
To the Honorable Board of Selectmen:
Wakefield, Mass., January 4, 1952 Gentlemen:
The department of Civil Defense herewith submits its annual report for the year ending December 31, 1951.
This department was organized pursuant to directives issued by the Governor of Massachusetts, Paul A. Dever, and Chapter 639 General Laws of Massachusetts.
There is one paid employee serving as office clerk and field agent. The director and all other members of the organization are serving on a volun- teer basis. There are at present three hundred and fifty (350) volunteers serving in the various agencies of the department.
The prime objective of the department is the coordination of all mu- nicipal and private agencies in the discharge of the many functions of war time damage control and local damage control.
The Civil Defense staff consists of the Honorable Board of Selectmen; an Advisory Council; Director James T. Hurton; Deputy Director George A. Adams; Legal Director William A. Lee; Evacuation Service Director
118
TOWN OF WAKEFIELD
Henry Galvin; Transportation Service Director Paul Ayers; Communica- tion Service Director John J. Curran; Assistant Director Mrs. Ernestine Nardone in charge of Health and Welfare Services; Assistant Director Robert Fitz in charge of Law Enforcement, Fire Service, Plant Protection and Warden Services; Assistant Director Harry H. Denning in charge of Shelter Protection, Engineering and Rescue Services; Assistant Director Fred Rich in charge of Air Raid Warning and Military Activities; Assist- ant Director Howard P. Heavens in charge of Personnel and Training Services; and Assistant Director William P. Hurton in charge of Pur- chasing.
As Director of the Department of Civil Defense, I wish to extend my sincere thanks for the hearty co-operation shown me by all the members of the Civil Defense Organization and to all the other Town Departments who have rendered valuable assistance during the past year.
In closing this report I wish to extend to the Honorable Board of Selectmen and Selectmen's Representative Raymond S. Dower my sincere thanks for the interest and co-operation manifested by them in all mat- ters pertaining to this department.
Respectfully submitted, JAMES T. HURTON, Director of Civil Defense
Report of Wire Inspector
January 15, 1952
To the Honorable Board of Selectmen:
Wakefield, Massachusetts
Gentlemen:
From January 1, 1951, to June 1, 1951, the following amount of wiring permits were issued by Joseph W. MacInnis-303.
I submit the following report of Inspector of Wires from the time of my appointment to December 31, 1951:
Permits granted 501
Inspections made
728
Inspections approved
377
Temporary approvals (dwellings under construction)
63
Installations rejected
31
Wiring without permits
14
Permits refused 1
Notices sent to property owners of unsafe wiring
6
Wiring in public buildings inspected
6
Illegal use of electricity
3
Permitting another to use a license
1
119
REPORT OF FOREST WARDEN
Violation reported to Board of Selectmen
1
Violation reported to Fire Chief 1
Violations reported to State Board of Examiners 0
Violation reported to Wire Inspector (service discontinued) 1
Complaints received from citizens
3
Respectfully submitted, JOHN J. CURRAN,
Wire Inspector
Report of Forest Warden
To the Honorable Board of Selectmen:
Gentlemen:
During the year there was a total of 89 woods and grass fires. Respectfully submitted, CHIEF CLIFFORD E. JACOBS,
January 1, 1952
Forest Warden
.:
120
TOWN OF WAKEFIELD
Report of Building Inspector
January 7, 1952
To the Honorable Board of Selectmen:
Wakefield, Massachusetts
Gentlemen:
I submit the following report of my activities for the year ending
December 31, 1951:
293
Building inspections
2,459
Sidewalk permits
47
Sign inspections
17
Convalescent home inspections
3
Buildings torn down
20
Buildings moved
4
Buildings condemned
3
Shingle permits
60
Public buildings inspected
9
Fire escapes inspected
7
Rooming houses inspected
5
Elevator inspections
34
Fire inspections
5
Complaints investigated
62
Construction suspended, violation of building laws
1
Permits refused
11
Building without permits
4
Chimneys condemned
1
Cases to Appeal Board
26
Notices sent to owners of unsafe condition of buildings
4
Notices posted on dangerous and unsafe buildings
4
Approximate valuation of permits issued
$1,464,545.00
Permit fees received
1,028.20
BUILDING VALUATIONS FOR PAST SIX YEARS
1946
$ 775,440.00
1949
$1,475,201.00
1947
1,595,824.00 1950
2,368,580.00
1948
1,491,688.00
1951
1,464,545.00
Respectfully submitted, FRANK A. TREDINNICK,
Permits granted
121
REPORT OF ANIMAL INSPECTOR
Report of Animal Inspector
January 15, 1952
To the Honorable Board of Selectmen:
Wakefield, Mass.
Gentlemen:
As Inspector of Animals for the Town of Wakefield, I herewith re- spectfully submit the following report for the year ending December 31, 1951.
One hundred and ninety-five dogs were examined and quarantined for rabies observation as they had inflicted injury by biting or scratching various persons. There were no cases in the town this year.
Two dogs were consigned to residents of Wakefield from out of State without the proper health certificates required by law, said dogs were either quarantined or immunized for rabies as required by that statute.
All barns housing cattle, horses, sheep or goats were inspected and the animals housed therein were found to be in good condition; free from barn mange, scabies, and other diseases of an infectious nature, with the exception of one livery stable. This case was advised to improve its sani- tation and its general condition, after which an order of approval was given.
Respectfully submitted, (Signed) BLAIR CROWELL Inspector of Animals
Report of Dog Officer
To the Honorable Board of Selectmen:
February 26, 1952
Gentlemen:
I herewith submit my annual report of the duties performed by me as Dog Officer during the year 1951. Due to the increased number of dogs licensed it was necessary to make a greater number of house calls during the licensing period, consequently a greater number of dogs were sheltered. The report is as follows:
Answered 615 calls.
Canvassed town twice for unlicensed dogs.
There were 1249 dogs licensed. Sheltered 150 dogs.
Seventy-one dogs were returned to owners.
Fifteen dogs sent to Animal Rescue League. Sixty-four dogs disposed of.
Respectfully submitted, FREDERICK DeMARCO,
Dog Officer
122
TOWN OF WAKEFIELD
Report of Contributory Retirement Board
February 20, 1952
To the Honorable Board of Selectmen:
Wakefield, Mass.
Gentlemen:
The Contributory Retirement Board submits the following report for the year ending December 31, 1951.
The total membership December 31, 1950 was 216 active members, 3 inactive members, 46 pensioneer members which comprised a total of 265 members as of January 1, 1951. During the year 1951 there were 87 new members added to the Retirement System's roll, this resulted in a total of 352 members. During the year 1951, 30 members resigned, and were duly awarded the return of their contributory deductions, 1 member retired under the Veterans' Act; Chapter 32, Section 56, General Laws Tercenten- ary Edition, on account of total disability, therefore his contributory de- ductions were returned to him as is statutorily prescribed. Three other members were retired under the Veterans' Act but inasmuch as they were non-contributory members their retirement did not directly affect the Contributory Retirement System. There were 4 members who were trans- ferred from the active to the inactive roll and 1 member was transferred from Group A membership to Group B membership, employed in the Fire Department.
The number of members on the Pension List was changed by the death of 3 employees, formerly employed by the Health, Light and Fire Departments; 2 transferred from inactive to active membership; 5 mem- bers were added to the Pension List, having reached the retirement age; 1 member retired on account of ordinary disability; 2 on account of acci- dental disability, resulting in a total of 52 members on the Pension List.
The total membership December 31, 1951 is 259 active members, 4 inactive members, 52 pensioneer members, which comprises a total of 315 members in the Contributory Retirement System as of January 1, 1952.
A statement of Financial Condition for the year ending December 31, 1951 is presented as follows:
1951 RECEIPTS
Balance January 1, 1951
$241,297.21
Contributions of members
$ 36,045.36
Investment Income
7,306.51
Town Appropriations 1951
42,701.00
Expense Fund
3,274.40
Special Military Service Fund
138.60
89,465.87
Total Receipts
$330,763.08
Pension Fund
REPORT OF CONTRIBUTORY RETIREMENT BOARD
123
1951 EXPENDITURES
Annuities Paid
$ 3,009.11
Pensions Paid
59,392.25
Refunds of Deductions to members
2,887.96
Expenses Paid
3,131.35
68,420.67
Balance January 1, 1952
$262,342.41
ASSETS
Savings Bonds Series "G"
$ 70,000.00
Cash (Checking Acct. Bal.)
45,465.43
Bank Stock
7,900.00
Co-operative Banks, Serial Shares
116,992.50
Savings Banks
21,453.27
Accrued Interest on Bonds
531.21
$262,342.41
LIABILITIES
Pension Fund
$ 17,508.91
Annuity Savings Fund
205,583.11
Annuity Reserve Fund
33,821.53
Military Service Special Fund
5,037.10
Expense Fund
391.76
$262,342.41
Respectfully submitted, ROLAND B. OLIVER, Chairman JOHN J. MCCARTHY, Secretary HENRY F. GALVIN
124
TOWN OF WAKEFIELD
Report of Sweetser Lecture Committee
SEASON OF 1951 RECEIPTS
Income from Invested Funds
Received from sale of tickets at door
$245.24 97.30
Sales by Stores
Smith's Drug Store
4
Nagle's Drug Store
3
Lane's Drug Store
1
Greenwood Pharmacy
13
Item Office
2
24 at 35c 8.40
Total
$ 350.94
EXPENSES
Nov. 21 Gerhard Neumann Lecture
$ 50.00
Nov. 27 Gardner Campbell Lecture 100.00 $150.00
Daily Item Advg. and Ptg.
19.10
Ticket Boys Janitors at Lectures
12.00
Federal Tax on Admissions
18.06
Bank Service Charge
.90
A. D. Handy Co., screen
15.00
Wm. Blanchard Co., moving
4.50
$227.56
Balance to Sweetser Charities
123.38
$350.94
Respectfully submitted, EB. V. YEUELL EDWARD A. RICH WILLIAM J. LEE
GEORGE E. POTTER
ROLAND H. KINDER
CHARLOTTE R. FITZ ROBERT G. REED
8.00
125
REPORT OF SEALER OF WEIGHTS AND MEASURES
Report of Sealer of Weights and Measures
Jan. 1, 1952
To the Honorable Board of Selectmen:
Gentlemen:
I respectfully submit the following report for the year 1951:
Adjusted
Sealed
Condemned
Scales over 10,000 lbs.
1
4
Scales 100 to 5,000 lbs.
21
45
1
Scales under 100 lbs.
27
151
4
Weights
3
206
Linear Measures
10
Meters 1 inch outlet
18
81
4
Vehicle tank meters
18
30
6
Bulk storage meters
3
9
Leather measures
1
Cloth measures
1
Fees collected $381.30
Respectfully submitted,
JAMES J. DEVLIN, Sealer
126
TOWN OF WAKEFIELD
Report of Board of Assessors
January 7, 1952
To the Citizens of the Town of Wakefield:
We herewith submit the Annual Report of the Assessors Department for the year ending December 31, 1951.
State Audit of Municipal Accounts $ 87.26
State Examination of Retirement System
103.52
Smoke Inspection Service
357.12
Metropolitan Parks Assessment
15,632.30
Metropolitan Sewerage Assessment
35,923.23
1950 Underestimates
3,403.57
Total State and Metropolitan Charges County Tax for 1951
$ 56,095.23
Tuberculosis Hospital Assessment
12,073.36
Total County Charges
$ 68,168.59
Charges for Town Purposes
$ 2,052,297.39
Overlay for 1951
41,322.90
Gross Levy
$ 2,217,295.88
Estimated Receipts :
Credits from State and County
$343,024.92
Town Receipts
266,668.73
From Light Dept. to Treasury
25,000.00
From Water Dept. Receipts
165,223.35
From Available Funds
97,371.33
From Overlay Surplus to Reserve
7,000.00
Total Estimated Receipts
$ 904,288.33
Net Levy Added Polls 52 @ $2.00
104.00
Added Assessments
1,294.90
Total Tax Levied on Polls and Property Tax Rate $46.00 per $1,000.00
$ 1,314,406.45
VALUATION OF PROPERTY TAXED
Buildings
$ 22,710,100.00
Land
4,271,000.00
Tangible Personal Property
1,304,475.00
Total Gain in Valuation 1951
$ 28,285,575.00
$ 1,666,950.00
$ 55,507.00
$ 1,313,007.55
REPORT OF BOARD OF ASSESSORS
127
PROPERTY EXEMPT FROM TAXATION
Town of Wakefield
$ 1,666,005.00
Town of Wakefield, Schools
1,874,325.00
Town of Wakefield, Tangible Property
5,724,375.00
Foreclosed Tax Titles
23,050.00
Town owned Cemeteries
18,400.00
United States of America
109,000.00
Commonwealth of Massachusetts
215,350.00
Literary, Benevolent & Patriotic Organizations
423,825.00
Cemeteries, Land and Buildings
89,400.00
Tangible Property excluding Town owned
37,125.00
Parsonages
34,500.00
Churches, Land and Buildings
803,650.00
Total
$ 11,019,005.00
Number of Motor Vehicles Assessed
7,593
Valuation of Motor Vehicles Assessed
$ 3,747,140.00
Motor Vehicle Excise Tax Assessed
$ 150,314.58
Number of Polls Assessed
6,635
Number of Dwelling Houses Assessed
4,241
Number of Persons, Partnerships and Corporations Assessed
6,869
Value of Assessed Stock in Trade
285,050.00
Value of Live Stock Assessed
8,225.00
Value of Machinery Assessed
232,000.00
Value of Other Ratables Assessed
779,200.00
Number of Horses Assessed
5
Number of Cows Assessed
5
Number of Fowl Assessed
6,375
Number of Swine Assessed
4
Number of Sheep Assessed
4
Number of Goats Assessed
23
Number of Heifers Assessed
11
Number of Acres of Land Assessed
3,530
Area of Town in Acres
4,947
Respectfully submitted, Board of Assessors GEORGE E. BLAIR, Chairman LEO F. DOUGLASS, Secretary GEORGE H. STOUT
128
TOWN OF WAKEFIELD
Report of Board of Health
To the Citizens of the Town of Wakefield:
During the past two years the Board of Health has lost its two senior members and its nurse.
In the latter part of January 1950, the Board of Health suffered the loss of its senior member, Chairman Wesley S. Goodwin. His sudden death was a loss keenly felt by the Health Department. Mr. Goodwin, a former Selectman, was appointed to the Board of Health on May 4, 1922. He was appointed Secretary of the Board on May 9, 1922, and Chairman of the Board on November 28, 1933. He served as Chairman until his death on December 27, 1950.
The Board also regrets the death of Miss Nellie B. Russell, R. N., who was appointed the Board of Health Nurse on April 1, 1921. Miss Russell served faithfully in this position during her long years of service, until her resignation on December 13, 1949. Miss Russell died on November 21, 1951.
A loss to the Board of Health this year was the resignation of Chair- man Ned C. Loud, effective December 31, 1951. Chairman Loud resigned because of ill health after 17 years of valuable service. He was appointed to the Board on September 11, 1934, was appointed Secretary on Septem- ber 17, 1934, and served in this position until September 2, 1939. Mr. Loud was appointed Chairman of the Board on March 17, 1950, and served in this position until his resignation on December 31, 1951.
In reporting the health of the Town of Wakefield for the year 1951, the Town has been fortunate in not having any serious epidemics. How- ever, not since 1944 has Measles been so prevalent. We have at the present time, 10 patients in Middlesex County Sanatorium, who are ill with Pulmonary Tuberculosis. There has been one death from Tuberculosis, reported for the year 1951. Also, we have one child who is ill with Tuber- culosis at North Reading State Sanatorium. Two cases of Poliomyelitis were reported for the year 1951. Fortunately, both cases recovered without serious affliction.
The Board of Health continues to urge upon parents the need for im- munization of all pre-school children over three months of age, against Diphtheria, Tetanus, and Whooping Cough. Two immunization clinics will be held during the coming year, and the Board of Health urges parents to take their children to the clinics or to their own family physician for these innoculations.
The Board will also continue its Dog Clinic, where dogs will be innocu- lated against Rabies.
Rules and Regulations prescribed for agencies giving Day Care to Children were accepted by the Board of Health on January 2, 1951. Six licenses were issued to maintain and operate a kindergarten or day nursery school.
REPORT OF BOARD OF HEALTH
129
Mrs. Ernestine M. Nardone, R. N., Health Nurse, made during the year the following number of visits to homes with contagious diseases, tuber- culosis, and tubercular contacts.
Tuberculosis and contacts 125
Scarlet Fever 42
Mumps 21
Poliomyelitis
1
Diphtheria 1
190
Mrs. Nardone also made the following trips to sanatoriums and hospi- tals :
North Reading Sanatorium 98
Middlesex County Sanatorium 16
Children's Medical Center, Boston 1
Taking a total of 128 patients to be x-rayed, admitted, or for physical examination.
Mrs. Nardone stated in her report that 76 pre-school children attended the Board of Health immunization clinic.
37 children were immunized against Diphtheria (Booster)
39 children were immunized against Diphtheria, Tetanus, & Whooping Cough.
Respectfully submitted,
ROBERT DUTTON, M. D., Chairman ROBERT REED, Secretary EVAN FAIRBANKS
To the Honorable Board of Health:
The annual report of the Plumbing Inspector for the year ending December 1951, is as follows:
Number of Permits Issued
330
Number of Fixtures Installed
1,890
Automatic Oil Water Heaters
10
Gas Storage - Hot water Heaters
100
Electric Storage - Hot Water Heaters
50
30 Gallon Water Tanks
25
Tankless Heaters
75
Water Closets
302
Lavatories
321
Bath Tubs
266-
Stall Showers
48
Urinals
27
Cabinet Sinks
309
Sink and Tray Combinations
12
130
TOWN OF WAKEFIELD
Laundry Trays
51
Slop Sinks
4
Dental Units
1
Washing Machines
20
Dish Washing Machines
11
Garbage Disposals
10
Soda Fountains
1
Drinking Fountains
4
Gasoline Interceptors
1
Floor Drains
10
Roof Drains
8
Water Piping
75
Sewer Connections
75
Cesspools
54
Septic Tanks
20
Respectfully submitted,
KENNETH G. SHAW, Inspector of Plumbing
Report of Milk and Food Inspector
To the Board of Health, Wakefield:
Gentlemen :
Herewith is submitted the report of the Inspector of Milk and Food for the year ending December 31, 1951.
The following details cover the work of this office during the above mentioned period.
55 Retail Milk Licenses were issued @ 50c $ 27.50
26 Dealers Milk Licenses were issued @ 50c 13.00
4 Pasteurization Licenses were issued @ $10.00 40.00
4 Ice Cream Licenses were issued @ $5.00 20.00
26 Oleomargarine Licenses were issued @ 50c 13.00
$113.50
168 Samples of milk were tested for fats, solids, and bacteria. 39 Dairy Farms and Milk plants were inspected.
No milk is raised in the Town of Wakefield at the present time, neces- sitating the Town's 10,000 quart daily consumption, to come from other sources.
Few complaints regarding food were filed in this office during the past year and only one of these, involving the violent sickness of three per- sons, was serious in nature.
Respectfully submitted, LAWRENCE E. DOUCETTE, Inspector of Milk and Food
131
REPORT OF LIBRARY TRUSTEES
Report of Library Trustees
TRUSTEES OF THE LUCIUS BEEBE MEMORIAL LIBRARY Hervey J. Skinner, Chairman Mrs. Miriam G. Needham, Secretary
Phillips C. Davis *Arthur L. Evans Walter C. Hickey William J. Lee
Edward E. Lynch Albert W. Rockwood John J. Round, Jr. Miss Gladys Watkins
*Deceased January 11, 1951
STAFF LIBRARIAN Helen Frances Carleton
ASSISTANT LIBRARIAN AND HEAD CATALOGUER H. Gladys Mackenzie
REFERENCE LIBRARIAN #Frances E. Holly Dorothy Dengler
CHILDREN'S LIBRARIAN Violet E. Reed
CIRCULATION LIBRARIAN Evelyn B. Henderson
GREENWOOD BRANCH AND ART LIBRARIAN Clara G. Wilson
MONTROSE BRANCH LIBRARIAN
#Yolanda Roberto
Christine Robinson
FULL TIME ASSISTANTS
#Therese Crandall
Virginia Gove
#Louise Kozell
PART TIME ASSISTANTS
#Eleanore Duffie Grace W. Eaton Joan Evans
Dorothy K. Hayward Evelyn J. Snyder Etta E. Ux
JANITORS
Main Library and Montrose Branch Library Greenwood Branch Library
Carl H. Brown Chester I. Hopkins
#Resigned
132
TOWN OF WAKEFIELD
REPORT OF THE TRUSTEES OF THE LUCIUS BEEBE MEMORIAL LIBRARY FOR THE YEAR NINETEEN HUNDRED AND FIFTY-ONE
The Trustees of the Lucius Beebe Memorial Library herewith submit the ninety-sixth Annual Report.
This has been a year of changes in personnel, furnishings, and public service. In the sudden death of Arthur L. Evans on January 11, 1951, the Trustees suffered the loss of another long and valued member of the Board. From the time of his election in March 1915 Mr. Evans was actively inter- ested in the welfare of the Library and gladly made himself available for consultation and advice on any and all library problems. He was Treasurer of the Library site committee, and a member of the building committee for the erection of the present Library building.
At a joint meeting of the Trustees and the Selectmen on February 6, 1951, William J. Lee was elected to fill the vacancy caused by the death of Mr. Evans.
In the Children's Room tables and chairs have been refinished, divans and chairs re-upholstered in the Reading Room, draperies replaced, and new book cases added in the Balcony and Children's Room. All this has greatly enhanced the beauty of the Main Library and its furnishings. Rooms and corridors on the lower floor and the Trustees' Room have been painted and fluorescent lights added to the work areas. It was also neces- sary to make extensive plumbing repairs after twenty-eight years in the Library building. A new musical record player and cabinet as well as a slide projector and screen for showing pictures have been added to the equipment to enable promoting projects for interested groups.
The Publicity Committee has been active this past year in developing public relations. Cards were sent to new residents, and attractive folders with detailed information were prepared for new borrowers. In April the Library participated in the Pageant of Progress by having an exhibit booth. The Trustees appreciate the efforts of the Librarian and Staff in developing this project which proved to be of great interest to many visitors. The success of this exhibit was definitely aided by the generosity of The Murray Printing Company and the talents of the Camera Club.
The Trustees are indebted to the Garden Club for many fine flower arrangements, to the Wakefield Daily Item for generous space allotted for book lists and special articles, and to Mr. Lucius M. Beebe and Mrs. Albert W. Rockwood for beautiful Christmas decorations. Many other people have shown their interest in the Library by their thoughtful gifts of 134 books.
Many exhibits have been displayed in the Lecture Hall and Balcony from the art collection and loans from interested friends. In conjunction with Mr. Peter Nash, a Harvard student, and the Town Planning Board, a "Survey of Wakefield" was shown in February. Sophia (Lewis) Morrill and Ernest A. Beliveau have each held an art exhibit. In the Fall as part of American Art Week, paintings by Wakefield High School graduates were displayed.
ARTHUR LUCIUS EVANS Member of the Board of Library Trustees 1915-1951
133
REPORT OF LIBRARY TRUSTEES
A reference course was given by the University Extension and held in the Library Lecture Hall in the Spring. Among the twenty librarians from nearby communities who attended the course were five members of our library staff.
In May the Centennial of the first permissive law for free libraries in Massachusetts was celebrated. In Wakefield it was observed by the Trustees and Staff meeting together for a social evening at the Hartshorne House.
The circulation of books alone is no longer a true record of library service. The newest service to be offered by the Library is the circula- tion of musical records which was introduced in the Fall by an evening of recordings. This new service is apparently appreciated for in three months 221 records have been loaned. As is common in many libraries during recent years the reading of fiction has dropped off, but the usual number of good non-fiction books available this year has meant a steady use of these books, especially from the Practical Arts, Fine Arts, and litera- ture collections. Altogether there is an increased number of people regis- tered as borrowers, and of this number there are 1169 new borrowers.
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