"A wealthy Hertfordshire farmer not long ago made application to one of the clerks in the Bank of England for the loan of L800, and offered to deposit with him, as a security, a bank note of L10,000, which he then held in his hand! The clerk refused him, saying that such a thing was unusual, at the same time told him he would change it for lesser notes. This, however, did not satisfy the farmer, who still persevered. At his own request he was waited upon by one of the directors, who readily lent him the sum he required; and at the end of eight days he returned, according to his promise, and repaid the money. When he was asked why he had such an attachment to that particular note, he frankly replied, 'Because _I have the fellow of it at home_!'" The old style of farmer had the laugh on his side in the matter of balance sheets compared with the farmer of to-day. Here is one under date 1770 for a farm of 300 acres at a rental of L240 (the average rent in this district appears to have been about 12s. to 15s. an acre, but was more than doubled by the end of the century). It was stocked and worked with 10 cows, 150 sheep, 30 oxen, 12 horses, four servants and boys, eight labourers (average L20 a year each), and two maids. In the annual expenditure is put down the modest allowance of L100 for house-keeping of the farmer and his family (exclusive of servants), and the total then comes out at Year's produce . . . . . . . . . . . L1,599 13 0 Expenditure . . . . . . . . . . . . L1,146 0 0 ------------- Profit . . . . . . . . . . . . . . L453 13 0 Trade was not so much an every day affair in those days as now, but persons obtained their supplies in large quantities and on special occasions. In harvest time therefore little was doing at the shops, and the tradesmen in the High Street were accustomed to form themselves into neighbouring groups of four or five, and, taking up their position outside their shops, smoked their pipes, while one of their number would read the news, nearly always coloured at that time by the doings of Napoleon, or the French. About the beginning of the century, Mr. William Henry Andrews, son of the astronomer, as a man having the most talent for reading, was in particular request at these quiet siestas between the intervals of trade. {108} They discussed agriculture and the weather with a relish over their "sixpennyworth," and often laid wagers as to the result of the harvest. Here is an item in Royston-- "1795. Aug. 25--Mr. Bottomley lays S. Coxall sixpennyworth that the price of a quartern loaf will be as low as sevenpence the best sort in two months--24th Oct. paid."