Born at Highbury, London on 29 July 1877, the third child and second son of Thomas Emley Young, actuary, and his wife Harriet Maria, daughter of John Rayner, MRCS 1859, MD Lambeth 1861, of Highbury. T E Young served the office of president of the Institute of Actuaries. He was educated at Univers

Born 28 April 1878 at Croxall Lodge, Bromham Road, Bedford, the son of James Aberdour Elmslie and Cecilia Cheyne, his wife. His father, a master marine and lieutenant RNR, was captain of the *La Hogue* and the *Sobraon*, noted clippers on the Australian run. His mother came of distinguished medical