=Roads and Bridges.=--It is said to be the policy of the Canadian Government to do everything possible for the welfare of the settler, whether in accessible new town or remote hamlet. This solicitude is shown in every branch dealing with the organizing of new districts. Bridges have been built, roads constructed, the district policed, and a dozen other conveniences provided. Is it any wonder that with the splendid, high-yielding land, free to the homesteader or open to purchase at reasonable prices from railway and land companies, the Canadian immigration records for 1913 were so high? =Land Laws=.--Canada's land laws were formed after the United States had applied its methods to the free lands of the West, and embody the best United States provisions. They are so framed as not to bear heavily on the settler, whose interests are carefully watched, and are liberally administered. After several years' trial they have proved satisfactory. Titles, or patents, come from the Crown, and on being registered in a Land Titles Office these patents secure a transfer. Taxes outside of cities, towns, and the larger municipalities, are merely nominal and are devoted entirely to the improvement of roads, to educational purposes, to the payment of salaries, and to the erection of public buildings. At least 50 per cent of these costs, and in small struggling communities, 60 per cent or more, is paid by the Government out of the fund produced by the sale of school lands, one-eighth of the country having been reserved for that purpose. =The Banks of Canada.=--The close of 1913 has brought the usual bank statements accompanied by the addresses of the presidents and general managers of these institutions. They deal with economic matters first hand, and show in striking manner the prosperity of the country. Those who know anything of Canadian banking methods know the stability of these institutions, and the high character of the men in charge of them. Mr. Coulson, of the Canadian Bank of Commerce says: "We have had a good harvest. The yield has been generally good, and the quality on the average has never been surpassed. This has been especially so in the Western Provinces, and the unusually favourable weather and abundant transportation facilities afforded by the railroads enabled the movement of grain to be made rapidly." =Canada's New Bank Act.=--During 1913 the decennial revision of the Bank Act took place. Among important changes were: The establishment of the Central Gold Reserves. Authority to lend to farmers on their threshed grain. The provision which enables a bank to lend to a farmer on the security of his threshed grain is extensively utilized. This class of loan is regarded as a moral risk, and banks still depend more upon the character of the borrower than upon the security. =What Bank Managers Have to Say.=--Mr. Balfour, manager of the Union Bank of Canada: