'... I think it would be better for the people to have no accounts at all.' '7932. Do you mean that it would be better for their own sakes?- Yes. '7933. What would be the advantage to them?-For my own part, if I had no money, but if I had credit, I might go to a shop and take out more goods than perhaps I ought to do, without regard to whether I would be able to pay them or not; whereas if a man did not have that liberty, but went into a shop with only a few pence in his pocket, he might make it spin out better, or more to his own advantage. '7934. Do you think he might get his meal cheaper by going to another shop and paying for it in cash?-He might, or he might take better care of his money, and manage to spin it out more.' '7935. I suppose a merchant like yourself, if you were giving long credit in that way, would require little more profit on your goods?-Of course.' '7936. But you can afford to sell cheaper because you are paid in cash?-Yes; and I think it would be better for the public in general if all payments were made in cash.' [M. Johnson, 7931.] Again, Mr. James Hay, formerly a merchant in Unst, but never concerned in fishcuring, says: '... My own conviction is, that if a ready-money system was once in operation, and had a fair start, it would work better than the present system.' '10,528. But how are you prepared to give it a start?-I think that if the men were paid their money monthly or fortnightly, that would make them feel their independence better. Perhaps they would husband their means better; and if there were those among them who were careless about it, they would be taught a lesson when the year was done, which would serve as a warning for them in time to come. There might, however, be a difficulty in beginning such a system. I can remember, and others present will remember it too, two or three years of bad fishing, followed by a year of blight, when the man who wrought most anxiously and was honest-hearted could not meet the demands upon him. At such times, if there was no qualification or mitigation of the ready-money system, perhaps the men might get into difficulty.' '10,529. But do you not think that with that system of fortnightly payments a respectable fisherman and tenant would get credit just as easily as he gets it now?-I believe he would.' '10,530. From a greater number of persons, and on advantageous terms?-I think he would.' '10,531. Do you think there would be more places open to respectable fishermen, at which they could get credit if it was absolutely required in a bad season?-Yes.' '10,532. I suppose in a bad season now no merchant would give credit to the fishermen unless he was secure of their services for next season?-I should suppose so.' '10,533. Therefore the fishermen, as a rule, are shut up to the one shop?-Yes, it comes to that.' '10,534. Where fishermen were paid monthly or fortnightly, and you knew a man to be a respectable man, would you, as a