As the object of construction is to ascertain the intention of the parties, the contract must be considered as an entirety. The problem is not what the separate parts of the contract mean, but what the contract means when considered as a whole.1 The separated parts of a contract have but little weight when compared with the contract taken as a whole.2 A contract must be thus construed even if the separate parts are clear and free from ambiguity.3 Thus the name given by the parties to the contract is not conclusive, and if, considering it as a whole, it is evidently an instrument of a sort different from that which the parties have called it, it must he treated as what it is and not what it is called.4 If the character of the contract is clear, the fact that it is called a "guaranty" does not alter its legal character.5 Thus an instrument called a "special selling factor appointment" may be construed as a contract of sale,6 or an instrument called a lease may be construed as a conditional sale, the title being reserved for security.7 So money paid by an insurer to an insured equal in amount to the loss under the policy may be construed as payment, though it was called a "loan" by the contract under which it was paid, which provided that so much thereof as might be recovered from the carrier, whose liability for the loss was then under investigation, should be repaid by the insured to the insurer.8 So the fact that the language used in the instrument under consideration is in part appropriate and peculiar to a certain kind of instrument is not of itself conclusive that the instrument is of that kind.9

1 Vickers v. Electrozone Commercial Co., 67 N. J. L. 665, 52 Atl. 467; Brady v. Carolina Steel Bridge & Construction Co., 76 S. Car. 297, 56 S. E. 964; Smith v. Clinkscales, 102 S. Car. 227, So S. E. 1064; Wisconsin, etc., Bank v. Wilkin, 95 Wis. 1ll, 60 Am. St. Rep. 86, 69 N. W. 354.

2 Brady v. Carolina Steel Bridge & Construction Co., 76 S. Car. 297, 56 S. E. 964.

3 Smith v. Clinkscales, 102 S. Car. 227, 85 S. E. 1064 [quoting, Bowman v. Lobe, 14 Rich. Eq. (S. Car.) 271].

4 Smith v. Clinkscales, 102 S. Car. 227, 85 S. E. 1064. See Sec. 2038.

5 Urbany v. Carroll, 176 la. 217, 157 X. W. 852.

1 United States. O'Brien v. Miller, 168 U. S. 287, 42 L. ed. 469; United States v. Utah, Nevada and California Stage Co., 199 U. S. 414, 50 L. ed. 251: Leschen & Sons Rope Co. v. Mayflower

Hold Min. & R. Co., 173 Fed. 855. 97 C. C A. 465, 35 L. R. A. (N.S.) 1; Merrill-Ruckgaber Co. v. United States, 49 Ct. CI. 553; Ackerlind v. United States, 49 Ct. CI. 635; P. Sanford Ross, Inc., v. United States, 50 Ct. CI. 168; Hongkong & Wliampoa Dock Co., Ltd., v. United States, 50 Ct. Cl. 213.

Alabama. Brush, etc., Co. v. Montgomery, 114 Ala. 433. 21 So. 960.

Arkansas. Mississippi Home Insurance Co. v. Adams, 84 Ark. 431. 106 S. W. 209; Irwin v. Nichols, 87 Ark. 97, 112 S. W. 209; Arlington Hotel Co. v. Rector, 124 Ark. 90, 186 S. W. 622.

Colorado. Sterling v. Hurd, 44 Colo. 436, 98 Pac. 174.

Illinois. Siegel, etc., Co. v. Colby, 176 111. 210, 52 N. E. 917 [affirming, 61 111. App. 315]; McLean County Coal Co. v. Bloomington, 234 111. 90, 84 N. E. 624.

Iowa. Sinclair v. National Surety Co., 132 la. 549, 107 N. W. 184; Leathera v. Geitz, 135 la. 145, 124 Am. St. Rep. 263, 112 N. W. 101.

Kentucky. Chicago Veneer Co. v. Anderson (Ky.), 105 S. W. 108, 32 Ky. Law Rep. 7.

Louisiana. Tete v. Lanaux, 45 La. Ann. 1343, 14 So. 241; St. Landry State Bank v. Meyer, 52 La. Ann. 1769, 28 So. 136.

Maine. Bell v. Jordan, 102 Me. 67, 65 Atl. 759.

Massachusetts. Morrill & Whiton Construction Co. v. Boston, 186 Mass. 217, 71 N. E. 550; New England Cotton Yarn Co. v. Laurel Lake Mills, 190 Mass. 48, 112 Am. St. Rep. 309, 76 N. E. 231.

Michigan. Thomson Electric Welding Co. v. Peerless Wire Fence Co., 190 Mich. 496, 157 N. W. 67.

Nebraska. Ballou v. Sherwood, 32 Neb. 666, 49 N. W. 790, 50 N. W. 1131; Jackson v. Phillips, 57 Neb. 189, 77 N. W. 683.

New Jersey. Ohism v. Schipper, 51 N. J. L. 1, 14 Am. St. Rep. 668, 2 L. IL A. 544, 16 Atl. 316; Monmouth Park Association v. Iron Works, 55 N. J. L. 132, 39 Am. St. Rep. 626, 19 L. R. A. 456, 26 Atl. 140.

New Mexico. Ellis v. Stone. 21 N. M. 730, L. R. A. 1916F, 1228, 158 Pac. 480.

New York. Sattler v. Hallock, 160 N. Y. 291, 73 Am. St. Rep. 686, 46 L. It A. 679, 54 N. E. 667; First National Bank v. Jones, 219 N. Y. 312, 114 N. E. 349.

North Carolina. Wilkie v. New York Mutual Life Insurance Co., 146 N. Car. 513, 60 S. E. 427; Atlantic & N. C. R. Co. v. Atlantic & N. C. Co., 147 N. Car. 368, 125 Am. St. Rep. 550, 61 S. E. 185; Lewis v. May, 173 N. Car. 100, 91 S.

E. 691; Ollis v. Drexel Furniture Co., 173 N. Car. 542, 92 S. E. 371.

North Dakota. Elliott Supply Co. v. Green, 35 N. D. 641, 160 N. W. 1002.

Ohio. German Fire Ins. Co. v. Roost, 55 O. S. 581, 60 Am. St. Rep. 711, 36 L. R. A. 236. 45 N. E. 1097.

Oklahoma. Gilfillan v. Bartlesville, 46 Okla. 428, 148 Pac. 1012; Brown v. Coppage, 54 Okla. 88, 153 Pac. 817.

Oregon. Corvailis & A. R. R. Co. v. Portland, E. & E. Ry. Co., 84 Or. 524, 163 Pac. 1173.

South Carolina. Smith v. Clink-scales, 102 S. Car. 227, 85 S. E. 1064.

Tennessee. Arbuckle v. Kirkpatrick, 98 Term. 221, 60 Am. St. Rep. 854. 36 L. R. A. 285, 39 S. W. 3; McKay v. Louisville & N. R. Co., 133 Tenn. 590, 182 S. W. 874.

Texas. Cook v. Smith, 107 Tex. 119. 3 A. L. R. 940, 174 S. W. 1094.

Utah. McKay v. Barnett, 21 Utah 239, 50 L. R. A. 371, 60 Pac. 1100; Sterling v. Head Camp, Pacific Jurisdiction, Woodmen of the World, 28 Utah 526, 80 Pac. 1110.

Washington. Erickson v. Green, 47 Wash. 613, 92 Pac. 449; Hunter v. Wenatchee Land Co., 50 Wash. 438, 97 Pac. 494: Tacoma Mill Co. v. Northern Pacific Ry. Co., 89 Wash. 187, 154 Pac. 173.

West Virginia. Carnegie Natural Gas Co. v. South Penn Oil Co., 56 W. Va. 402, 49 S. E. 548.

Wisconsin. Kentzler v. Accident Association, 88 Wis. 589, 43 Am. St. Rep. 934, 60 N. W. 1002.

2 Tacoma Mill Co. v. Northern Pacific Ry. Co., 89 Wash. 187, 154 Pac. 173.

3 O'Brien v. Miller, 168 U. S. 287, 42 L. ed. 469; New England Cotton Yarn Co. v. Laurel Lake Mills, 190 Mass. 48, 112 Am. St. Rep. 309, 76 N. E. 231.