by

At or near a designated place; at the hand of; through the means, act, or instrumentality of. Thus, “ an injury by accident” is synonymous with "an injury caused by accident." Carroll v Industrial Com. 69 Colo 473, 195 P 1097; 19 ALR 107, 109. Executing a bill, note, or contract in the name of the principal, followed by that of the agent, separated by the word "by," is a method of executing an agency so as to impose liability upon the principal and, conversely, no personal liability upon the agent. 3 Am J2d Agency § 190; 11 Am J2d B & N § 559. In designating a terminal point of time, the word is variously construed as meaning "as soon as," "as early as” “before," "on or before," or "not later than," but in some cases as exclusive of the day named. 52 Am J1st Time § 29.