In the second place I notice that there is a single opening and that the opening is made very small. It is meant for small coins, I could not possibly get a one dollar piece into this opening. No, it is meant for dimes, nickels and pennies. That is, it stands for Thrift. Each little child brings his or her amount, small in itself, but when they are all together there is a considerable sum. Again, I see that this bank is made in the form of a church. It is really quite a beautiful building. Here is the steeple, here the steps and the wide entrance doors, and the windows with genuine cathedral glass. I think it is splendid to have a bank look like a church, for after all a church is a sort of bank. It stands for those treasures which Jesus talked about when he said, "Lay up for yourselves treasures in heaven, where neither moth nor rust doth corrupt, and where thieves do not break through and steal." MEMORY VERSE, _Matthew_ 6: 21 "For where your treasure is there will your heart be also." MEMORY HYMN [208] _"I love thy kingdom, Lord."_ WORK This morning I want to talk to you about work. "All work and no play makes Jack a dull boy." We are sorry for girls and boys who are compelled to work, who have little or no time for play. Now that is one side. How about the other side? All play and no work makes Jack--what? There are many words we can use here. I have thought about this a long time and I have decided that the best word to put in here is useless. All play and no work makes Jack a useless boy, and of all creatures in the world who have no place in the scheme of things it is one who is useless. Now the men who are useful, we shall find, are the men who, as boys, worked as well as played. A few days ago I sat at a public dinner next to one of the best-known men in this city, and a useful man he is. We were talking about some of the things boys could busy themselves with and earn a little money. I said, "I carried papers when I was a boy." He replied, "I carried papers on the streets of New York City when I was a boy." I do not doubt that if we could have gone to all the men who sat at that dinner each of the one hundred and fifty would have answered, "Yes, I worked when I was a boy."