Nattukottai Chetti.--"Of all the Chettis," Mr. Francis writes, [106] "perhaps the most distinctive and interesting are the Nattukottai Chettis, who are wealthy money-lenders with head-quarters in the Tiruppattur and Devakottai divisions of the Sivaganga and Ramnad zamindaris in the Madura district. They are the most go-a-head of all the trading castes in the south, travelling freely to Burma, the Straits Settlements and Ceylon (also Saigon, Mauritius, and South Africa), and having in some cases correspondents in London and on the Continent. As long as their father is alive, the members of a Nattukottai Chetti family usually all live together. The caste is noted in the Madura district for the huge houses, to which this custom has given rise. Married sons have a certain number of rooms set aside for them, and are granted a carefully calculated yearly budget allotment of rice and other necessaries. On the father's death, contrary to all ordinary Hindu usage, the eldest son retains the house, and the youngest his mother's jewels and bed, while the rest of the property is equally divided among all the sons. When a male child is born, a certain sum is usually set aside, and in due time the accumulated interest upon it is spent on the boy's education. As soon as he has picked up business ways sufficiently, he begins life as the agent of some other members of the caste, being perhaps entrusted with a lakh of rupees, often on no better security than an unstamped acknowledgment scratched on a palmyra leaf, and sent off to Burma or Singapore to trade with it, and invest it. A percentage on the profits of this undertaking, and savings from his own salary, form a nucleus which he in turn invests on his own account. His wife will often help pay the house-keeping bills by making baskets and spinning thread, for the women are as thrifty as the men. As a caste they are open-handed and devout. In many houses, one pie in every rupee of profit is regularly set aside for charitable and religious expenditure, and a whip round for a caste-fellow in difficulties is readily responded to. By religion they are fervent Saivites, and many of the men proclaim the fact by wearing a rudraksham (Eleocarpus Ganitrus) fruit, usually set in gold, round their necks. Of late years they have spent very large sums upon several of the famous Saivite shrines in the Madras Presidency, notably those at Chidambaram, [107] Madura, and Tiruvannamalai. Unfortunately, however, much of the work has been executed in the most lamentable modern taste, and it is saddening to contrast the pitiful outcome of their heavy outlay with the results which might have been attained under judicious guidance. The decoration in the new Kaliyana Mahal in the Madura temple is mainly inferior varnished wood-carving, looking-glasses, and coloured glass balls. The same style has been followed at Tiruvannamalai, although lying scattered about in the outer courts of the temple are enough of the old pierced granite