The Missoulian from Missoula, Montana • 1

SCORCHEROO Partly cloudy and hot. High 90-95, low SO. Chance of precipitation near 0. Nixon Criticizes Isolationists Story Page 2 SINGLE COPY Founded May 1,1873 10 Missoula, Montana, Thursday, June 5, 1969 Price lowr III IB I Is 1 Of Truth in Le ndin 9 Truth Session Here Tuesday A briefing session on provisions of the new federal Truth in Lending Law has been scheduled by the Missoula Chamber of Commerce in cooperation with the Seattle office of the Federal Trade Commission for Tuesday from 9:30 to 11 a.m. In the Florence Hotel.

George W. Elliott, assistant attorney in charge, will explain the law and enforcement regulations and will endeavor to answer all questions. All businessmen and others who offer credit, advertisers and form printers and anyone else interested are urged to attend. extended for personal, family household and agricultural goods not exceeding $25,000 and for all real estate credit transactions regardless of the amount. The customer must be told the complete finance charge paid directly and indirectly for credit.

This includes not only interest, but such things as loan fees, finders fees, time price differentials (an extra charge for not paying cash), service charges, appraisal fees and insurance premiums. Excluded from the finance charges are taxes and license, registration and title or legal fees imposed by law. Regulation has separate sections concerning open end credit and credit which is other than open end. The open end section deals with the revolving credit typically used by credit card companies, gasoline companies and department stores. The customer may never completely pay By DANIEL J.

FOLEY Missoulian State Bureau HELENA The new federal Truth in Lending Law attempts to "put a price tag on credit so the customer can shop for it like he does for anything else," says an attorney for the Federal Trade Commission. William P. Bergsten, of the Seattle office of the FTC, ex-plained Regulation of the Consumer Credit Protection Act Wednesday at a meeting in Helena. Key provisions of the new law, which takes effect July 1, stipulate that the customer be told both the finance charge in dollars and the annual percentage rate of interest on credit transactions, Bergsten said. The Truth in Lending Law does not fix maximum or minimum interst charges for credit, but it does let the customer know exactly how much the credit is costing him, he said.

The law will apply to credit the full amount of his bill under open end credit, Bergsten said. Those creditors who generally advertise typical credit charges of l'j per cent a month will be required to tell the customer that this amounts to 18 per cent a year. The other credit transactions, which Bergsten referred to as "closed end" include those in which the customer has a fixed time to pay a set amount for one item. Purchases of automobiles or houses are included in this area. A typical example is a bank loan of $100 repayable in equal monthly installments over one year at 6 per cent add-on finance charge.

The average borrower would assume this amounts to 6 per cent a year, but the creditor must inform him the amount actually is 11 per cent. The reason: the borrower has use of the full $100 only until he makes his first repayment. He is paying $6 interest for de creasing amounts each month. Regulation provides several exceptions to the general rules when the credit is extended for real estate. In niany instances, the customer has the right to cancel a credit arrangement within three business days if his home is used as collateral for-credit.

In addition, the seller is not required to show the total dollar amount of the finance char-geon a first mortgage loan for a house. The reason, Bergsten said, is that the finance charge typically exceeds the value of the house. The new regulation also establishes new standards for ad vertising of credit. The advertiser will be required to spell out completely all credit information if he mentions any. For example, advertisers will no longer be able to say an item can be purchased for "only $50 a month" without telling how many months payment is necessary.

I Iti Jit 1 i'r vv I 1 i4- 1 1 Toll Set at 79 Jetliner Crashes MEXICO CITY (AP) A Mexican jetliner with 79 persons aboard crashed and burned on a cloud-shrouded mountain in northeast Mexico Wednesday. Aerial spotters reported no sign of survivors. Several high-ranking political figures, a sports hero and a wedding party were believed to be aboard the Mexicana de Aviacion flight from Mexico City to Monterrey. "There is certainly no one alive because the plane exploded in the air," said Dr. Juan Antonio Margain, Red Cross rescue chief in Monterrey.

He did not say why he believed the Boeing 727 exploded. The crash site was on a mountainside more than a mile above sea level, 30 miles west of Monterrey. The passenger list included Rafael Osuna, Mexico's top tennis player, who engineered Mexico's upset Davis cup victory over Australia in interzone play last month; Carlos Madrazo, former president of the country's ruling Institutional Revolutionary party, and his wife. The chief of Mexico's highway department, Raul Chapa Zarate; the president of the national fiscal court, Generoso Chapa, and their wives also were reported aboard. They and the Madrazos were in the party of wedding guests.

New Jersey Blasts I i ti. ft 'A 1 EAGER TO GO to Northern Pacific Veterans Association Convention in Duluth are Mr. and Mrs. Charles W. McKenna, Hamilton.

McKenna was roundhouse foreman in Butte for 43 years and has attended the convention for 22 years. Local members boarded special cars for the trip Wednesday morning. (Staff Photo by Harley Hettick) Kalispell to Get Regional Pollution Control Office flwiktii DEATH CAR is crumpled against pillar at (at right) view wreckage of car which graduate Bonner Interstate 90 interchange. County Cor- student Gary J. Dunford, 24, Butte died early oner Larry Livingston and Sheriff John Murphy Wednesday morning.

at Least Three Fiery Crash CARNEYS POINT, N.J. (AP) Two blasts ripped through the blending tower of the sprawling E. I. duPont de Nemours Co. explosives works Wednesday, killing at least three persons and injuring three dozen others.

Four workmen were reported missing, following the explosions that occurred about 20 seconds apart. Hulteng is stationed in Billings as a regional public health engineer, replacing Frank Bor-chardt, who resigned last year. Hulteng is a graduate civil engineer from the University of North Dakota, a registered professional engineer in Mon-tana and most recently was employed as construction superintendent from McLauglin Inc. Aiken also is a registered professional engineer and a graduate of Montana College of Missoulian State Bureau HELENA Two men have joined the state's water pollution control staff and plans are to station one in a newly created post in Kalispell later this summer. Clairborne W.

Brinck, director of environmental sanitation for the state, said Alf Kulteng and Wilbur Aiken have joined his staff as public health engineers, filling vacancies created by resignations last year; By RICHARD GEISSLER Missoulian Staff Writer A University of Montana graduate student was killed instantly early Wednesday morning when the car he was driving slammed into a concrete Insight and Inside Startle Residents Find Snake ifl Water Line Mineral Science and Technology in Butte. Most recently he was employed by the Roberts Mining Co. in Darby. Brinck said Aiken is now working with the Helena staff in preparation for setting up a regional office in Kalispell, hopefully later this summer. Brinck explained that a man is needed in the Kalispell-Flat-head Lake area because of stream pollution problems there, some of which are related to the influx of people and construction of Libby Dam.

The hiring of Aiken and Hulteng brings to three the number of men working under Brinck in the water pollution control program. The third is Donald G. Willems, a public health engineer in Helena. Brinck said he hopes to hire an additional public health engineer within the next few months. That will give the state afour-man pollution control force the highest number for which funds are available.

That's just not enough, Brinck said. "We'll not be meeting the requests for surveillance that we should at all," he explained. For example, the state official said Montana needs a geologist to study ground water pollution. into flames immediately after impact. Brown hurried to the accident scene, saw that there was nothing he could do, and left to notify authorities.

In addition to Patrolman Olson and Sheriff Murphy, Under-sheriff Ray Froehlich, two cruisers from the City Police and a pumper from the East Missoula Fire Department rushed to the scene. Bob Giffin, East Missoula assistant fire chief, led the seven-man crew in bringing the blaze under control. He said that when he and his men arrived, the interior of the car was a mass of flames. Giffin reported that the crew used up the 500-gallon supply of water in bringing the inferno under control. He said that they had to take on additional water at Bonner and return to the scene and cool the car down before officers could examine it.

"It was the worst fire we have been on," Giffin said," the car was completely in flames by the time we got thtve. It was the first time we ha i lost a human life, and it was something we (the fire crew) will never forget," he said. While the cause of the fire was not known, fire officials said that it was kept going by the ruptured fuel line. Mr. Dunford was born Oct.

22, 1944, in Butte and was graduated from high school there. He was graduated from the Montana College of Mineral Science and Technoogy in Butte, and had just completed his first year on a masters in physics at the University of Montana. While in Missoula, he had been residing with his brother, Terry, a UM sophomore, at 634 S. 2nd St. W'.

In addition to his brother, he is survived by his mother, Mrs. Audrey Dunford, Butte. The body will be sent to the Sayatovic-White Funeral Home in Butte for funeral services and burial. Livingston Mallet-ta Funeral Home is in charge of local arrangements. bridge support and burst into flame on Interstate 90, five miles east of Missoula.

Gary James Dunford, 24, of Butte, was killed upon impact, Missoula Coroner Laurence Livingston said, when the student's 1967 Pontiac car crashed into the Bonner exit bridge pillar. Montana Highway Patrolman Harvey Olson and Missoula Sheriff John Murphy said that the Butte man was driving east on the interstate and apparently feel asleep at the wheel. There were no skid marks, the officers said. The car left the right side of the highway and smashed into the concrete pillar with such force, officers said, that the car's engine was hurled through the fire wall and into the passenger compartment, breaking the back of the front seat. Jack T.

Brown of West Riverside, heard the impact at his home a half a mile away about 2:45 a.m. and saw the glow of the flaming car. He said that it apparently burst Those 'Frills' Don't Always Cos More Page 19 Keeping Up With Jones Page 10 Signs of Disunity Among Reds Page 37 Jubileers Returning This Weekend Page 10 Two Say Attorney General Should Control Page 34 TV Schedule Page 10 on I si III- Montana Power came to the Gonsior home, he turned on an outside faucet and the remains of the snake spurted out with the water. See Photo Page 35 At first, Mrs. Gonsior said, everyone thought it was a decayed fish, but later the object was described as a water snake.

Mr. Gonsior then went into the house and turned on an (Turn to Page 2, Col. 3) By LYNN SCHWANKE Missoulian Staff Writer A water snake in the water isn't unusual until it comes out of a water fautet. That's what happened at the Frank Gonsior residence, 301 Benton Ave. Mrs.

Gonsior and her husband reported to the Montana Power Monday that foreign matter had been coming out of their facuets and they'd like someone to check it. When the representative from vl'cks 'Now look here, Found in (-Selena Study Excessive imals," the study reports. The East Helena readings, although below those recorded in Anaconda, were many times above readings in other state cities and in such national cities as Denver, Pittsburgh and Los Angeles. The study urges immediate action by the East Helena metallurgical operations to begin recovery of the sulfur oxides but acknowledges that "methods for achieving these results are not yet fully It proposes an end to 11 open burning, increased street paving and cleaning and more local government effort to 1 pollution. cerpts from the federal government's "air quality criteria for sulfur oxides," which warns of damage to plant life and human health from continued exposure to high levels of the pollutant.

The study also reports that dustfall checks at 13 Helena Valley stations showed seven exceeded the state standard, some by several times. It said there needs to be a 77 per cent reduction of suspended particu-larte (fire dust) in East Helenr and an 88 per cent reduction at one Helena station. Arsenic readings in East Helena "need to be reviewed in some depth for their toxicologi-cal impl nations in man and an sions to cause substantial damage to vegetation and to cause many complaints to be registered." Major contributors of sulfur dioxide in the area are the American Smelting Refining the Anaconda Co. and "to a lesser extent," the American Chemit the study says. Contribution of sulfur dioxide from cars and other sources were described as "almost insignificant" in comparison.

The study, using three different methods, reported sulfur dioxide concentrations "that were excessive by many times" at East Helen testing stations. "A summary of the findings indicates that the sulfur dioxide concentrations in the East Helena area are grossly exceeded," the report says. "They exceed the ambient air quality standards of Montana to such an extent that even if (those standards) were three times higher than they have been established, they would still have been exceeded." Significantly, the report shows a marked decrease in the pollutant during the copper strike, which shut down operations of some of the East Helena firms. Included in the study are ex study of the pollution problem in the Helena area. That study, it is hoped, will result in a strong sulfur dioxide emission standard, which would regulate the amount of the pollutant that any one industry can put in the air.

"The concentrations of sulfur dioxide (in the East Helena-Helena area) are substantially in excess of the ambient air quality standards set for Montana and would be in excess of the most lenient ambient air standards set anywhere else in the nation," the completed report said. "They have been sufficient high on several occa sampled in the Helena area also was "excessive" on an annual average. It also found "excessive concentrations of suspended particulate, dustfall, and possibly, heavy metals including cadmium and arsenic." The pollution survey included 2,727 samples taken from October 1965 to October 1968. It was conducted by the State Department of Health with partial assistance from the National Air Pollution Control Administration. Wake reported Tuesday that state and federal officials have just begun another widespread By JERRY HOLLORON Missoulian State Bureau HELENA "Grossly excessive" levels of sulfur dioxide in the East Helena area are reported in a three-year air pollution study of the Helena Valley just released by the state.

And the study warns that because of the high frequency of "temperature inversions" in the area, the valley "has a high potential for the development of a serious air pollution problem." The study, directed by State Air Pollution Control Director Benjamin F. Wake, reports that the sulfur dioxide content of air.