In addition to joining the insurance and annuity business with the savings banks operations, Mr. Fawcett was responsible for a rapid increase in the number of branch saving offices in villages, for the special attention paid to "navvies" and workmen at their places of employment, and above all for the arrangement for making small deposits by slips of postage stamps. In 1887 by act of Parliament the Postmaster-General was empowered to offer facilities for the transfer of money from one account to another and for the easier disposal of the funds of deceased depositors. In 1891 the maximum permissible deposits of one person were increased from £150 to £200 inclusive of interest. The annual limit remained at £30 but it was provided that, irrespective of that limit, depositors might replace the amount of any one withdrawal made in the same year. Where principal and interest together exceeded £200, the interest was henceforth to cease on the excess alone, whereas previously it had ceased entirely when it had brought an account to £200. The next development arose from the Free Education Act of 1891 in order to make it easier for children and parents to save the school pence which they no longer had to pay. Special stamp slips were prepared to be sold to children, and clerks attended the schools with these slips. About 1400 schools adopted the scheme at once and three years later the number had risen to 3000, but the movement seemed by 1895 to have spent its force. In 1893 the annual limit of deposits was increased to £50 and, as we have already seen in another connection, any accumulations over £200 were to be invested in Government Stock unless the depositor gave instructions to the contrary. In the same year arrangements were made for the withdrawal of deposits by telegram. A depositor might telegraph for his money and have his warrant sent by return of post at a cost of about 9_d._ or the warrant also might be telegraphed to him at a total cost of about 1_s._ 3_d._ In 1905 a rule was introduced by which a depositor, on presentation of his pass-book at any post office doing savings bank business, may withdraw on demand not more than £1. This obviates the expense of telegraphing and, that it was appreciated, is shown by the fact that during the first six months after the privilege was extended there were nearly two millions of "withdrawals on demand," forming nearly one half of the total number. As a result the number of telegraphic withdrawals fell from 227,573 for the postal year 1904-05 to 180,996 for the year 1905-06.[300] [300] _Rep. P. G._, 1897, app., pp. 32-36; 1906, pp. 12-13; 56 and 57 Vict., c. 59.