conduct; but never, or extremely rarely, does a girl apply to the magistrates for an affiliation order, while from agricultural parishes such applications are common. The number of absolutely immoral women openly practising infamy is also remarkably small. There was a time when the workmen at this factory enjoyed an unpleasant notoriety for mischief and drunkenness, but that time has passed away, a most marked improvement having taken place in the last few years. There appears, however, to be very little prudence amongst them. The man who receives some extra money for extra work simply spends it on unusual luxuries in food or drink; or, if it be summer, takes his wife and children a drive in a hired conveyance. To this latter there can be no objection; but still, the fact remains prominent that men in the receipt of good wages do not save. They do not put by money; this is, of course, speaking of the majority. It would almost seem to be a characteristic of human nature that those who receive wages for work done, so much per week or fortnight, do not contract saving habits. The small struggling tradesman, whose income is very little more than that of the mechanic, often makes great exertions and practises much economy to put by a sum to assist him in difficulty or to extend his business. It may be that the very certainty of the wages acts as a deterrent--inasmuch as the mechanic feels safe of his weekly money, while the shopkeeper runs much risk. It is doubtful whether mechanics with good wages save more than agricultural labourers, except in indirect ways--ways which are thrust upon them. First of all, there is the yard club, to which all are compelled to pay by their employers, the object being to provide medical assistance in case of sickness. This is in some sense a saving. Then there are the building societies, which offer opportunities of possessing a house, and the mechanic who becomes a member has to pay for it by instalments. This also may be called an indirect saving, since the effect is the same. But of direct saving--putting money in a bank, or investing it--there is scarcely any. The quarter of a million annually paid in wages mostly finds its way into the pockets of the various trades-people, and at the end of the year the mechanic is none the better off. This is a grave defect in his character. Much of it results from a generous, liberal disposition: a readiness to treat a friend with a drink, to drive the family out into the country, to treat the daughter with a new dress. The mechanic does not set a value upon money in itself.