arrived at that experience of human kind which made him understand that, in even the poorest family, there are odds and ends of income which are only too likely to get frittered away in thoughtless extravagance. Could he but induce the mass of the people to comprehend the value of the savings which might by a reasonable economy be gathered from this source alone, and could he succeed in supplying the means of investing these savings securely, affording them at the same time the prospect of a fair rate of interest, not from charity, but from the resources of trade, he was confident the hopes he cherished would be realized.[20] The scheme was started in May, 1810, and savings to the amount of 151l. were deposited under the stipulated conditions during the first year. In the two succeeding years they rose to 176l. 241l. and in 1814 to 922l.