Mutual Company. What is a 'Mutual Company'. A mutual company is a private company whose ownership base is made of its clients or policyholders. The defining feature of a mutual company is since its customers are also its owners, they are entitled to receive profits or income generated by the mutual company.
American Elm. Elm wood is valued for its interlocking grain and resistance to splitting, with significant uses in wheels, chair seats and coffins. The density of the wood varies due to differences between species.Elm is a ring porous wood like Oak and Ash, and has an open, coarse grain that is often very irregular and wild.he color of Elm wood can vary substantially. The sapwood is typically white or grayish white. Young American Elm trees tend to have a wide sapwood and a light brown to grayish heartwood. The sapwood darkens due to staining.
Elm phloem necrosis (elm yellows) is a disease of elm trees that is spread by leafhoppers or by root grafts. This very aggressive disease, with no known cure, occurs in the Eastern United States, southern Ontario in Canada, and Europe. It is caused by phytoplasmas which infect the phloem (inner bark) of the tree.he Elm Tree is also referenced in children's literature. An Elm Tree and Three Sisters is a children's book about three young sisters that plant a small elm tree in their backyard. Throughout the years, the sisters begin to realize that the elm tree becomes an integral part of their lives.