4. "The promoters of this institution are aware that several of their neighbours, from various causes, are unable to procure many of the comforts, if not the necessaries of life; they are, nevertheless, fully persuaded that many others who have the advantage of constant employment, and are favoured with the enjoyment of health and strength, might, by practising laudable economy, reserve a portion of their earnings to meet the demands which a future pressure of bad times, sickness, old age, or an increase of family, may bring upon them, and thereby avoid the calamities under which so many of them suffer." 5. "It is a great mistake to suppose that small sums are not worth saving. By the habit of saving in little matters, riches are acquired; farthings saved would soon accumulate to shillings, and those to pounds," &c. &c. &c. [116] A Mr. Fitzgerald was the manager who generally attended and did the current work of his office. His statement after the frauds had come to light was, that he made the best inspection he could of the ledgers of the bank. When asked why he never compared the ledgers with the daily cash books, he confessed he never thought of it, "there was the omission," "that was where the link of investigation broke," "that was the omission which concealed the fraud so long," and other similarly shiftless remarks. [117] _Report of the Select Committee of 1848_. [118] _Ibid._ (Qu. 674). [119] Mr. Pratt's idea was to make the trustees liable in a great measure for the deficiency, as guilty of wilful neglect or default. The advice given as to Lynch's property was of very questionable propriety, and very questionable, as it afterwards appeared, in law. The money, however, was lost to the depositors completely, and went to Lynch's relations. [120] As usual, many persons had been allowed to deposit illegal sums on which they had no claim. One man was shown to have taken out 420_l_. from the Provincial Bank of Ireland, and to deposit it all in the Killarney bank in one day. [121] _Vide Select Committee on Savings Banks_, 1858. Evidence of Mr. Jameson, actuary of the Perth Bank. (Qu. 2,906.)