guarantees the safety of the depositor's money, seems a direct exposition and embodiment of the principle which underlay the community of goods in the apostolic Church. That principle was a generous, unselfish, Christlike principle. The principle was right, though the particular shape which the principle took was a mistaken one. Experience has taught the Church of Christ a wiser course, and now the system of State-guaranteed Savings Banks enables the Church to lead the poor committed to her care into wiser courses. Parochial and congregational Savings Banks ought to be attached to all Christian organizations, so as to teach the poor the industrial lessons which they need. We have known a district in a most thriftless neighbourhood, where immense sums used to be wasted in indiscriminate almsgiving, and yet where the people, like the woman in the Gospels, were never one whit the better, but rather grew worse. We have seen such a district, in the course of a few years, quite regenerated in temporal matters, simply by the action of what is called a parochial Penny Savings Bank. Previously to its institution the slightest fall of snow brought heart-rending appeals for coal funds, blankets, and food; while a few years of its operation banished coal funds and pauperism in every shape, simply by teaching the people the magic law of thrift, and by developing within them the love and the power of self-respecting and industrious independence. And yet efforts in this direction will not be destructive of Christian charity. They tend not to dry up the springs of Christian love. Charity is indeed a blessing to the giver, and we should never desire to see the opportunity wanting for its display. Ill indeed would be the world's state if we had no longer the poor, the sick, the needy with us. Our sinful human nature requires its unselfish powers to be kept in action, or else it quickly subsides into a state of unwholesome stagnation. Poor people need to be taught habits of saving, and this teaching will require time, and trouble, and expense. The clergy and their congregations may teach the poor thrift by offering a much higher interest than the Post Office supplies, while, at the same time, the funds are all deposited in the State Savings Bank. That higher interest will often demand as much money as the doles previously bestowed in the shape of mere gifts of coal and food. But then what a difference in the result! The mere dole has, for the most part, a demoralising tendency, while the money spent in the other direction permanently elevates and blesses.[101] [101] It is not generally known that the Post Office offers special facilities for the establishment of such Penny Savings Banks as I advocate. The Post Office will supply books for depositors and permit a deposit account to be opened without any limit. I have seen in my own parish the beneficial working of such an institution, increasing annually in its results for the last twenty years.