2. It is maintained that a system of short payments in cash would not be advantageous to the fishermen, because, in the first place, their improvident habits would lead them to spend their receipts at once, so that at the end of the year they would have nothing left with which to pay their rents, and no means of living in the spring, when the meal from their crofts is exhausted; and, in the second place, because it is inconsistent with their being paid according to the price actually realized for the fish, which is commonly higher than the 'beach price' during the season, or the market price at the time when agreements for the summer fishing are made. The first of these reasons is felt and stated by some of the fishermen themselves. But are Shetland fishermen more improvident than other people similarly situated would be? Under the present system of credit transactions, indeed, it would be strange if a part of them were not careless and extravagant, and it would not be strange if a great majority were hopelessly improvident and insolvent. No man is more likely to waste his means than he who never knows how much he has to spend; and this general truth is not likely to fail in its application to men following a precarious calling in which there are great runs of luck, and who have been brought up from their earliest years to expect their employers to supply their pressing wants in times of adversity. But the objectors themselves assert, and there is no reason to doubt, that a very considerable proportion of the people have saved money in spite of the influences under which they live, and have, for their rank in life, large deposits in the banks. If many of them are careless and improvident, that is a reason, not for continuing, but for altering a system which is admirably conceived for promoting extravagance and recklessness about money. If some Shetlanders are improvident, it is the system which has made them so; and if it be a fact that so many have saved money, it proves that under a better system the people of Shetland would compare favourably with those of any other district in frugality and foresight. If the fisherman had his money in his hand, it is not likely that he would forget rent day and the time of short supplies which he has often to pass through in spring. [R. Halcrow, 4700; R. Malcolmson, 4781; P.M. Sandison, 5227; G. Gilbertson, 9578; J. Hay, 5375; P. Blanch, 8565; C. Young, 5815, 5918.]