"If you need it you can withdraw your money at any time, together with any interest that has accrued." This advertisement made a good many people sit up because it brought home for the first time one concrete use of the money absorbed in war loans. The National War Savings Committee had two things to sell. One was the Five Per Cent Exchequer Bond: the other was the new Fifteen and Six War Savings Certificate. The promoters were quick to see that while the Exchequer Bond was very desirable, the principal effort must be concentrated on the War Savings Certificate for which the widest appeal and the best selling talk could be made. That it was a good "buy" nobody could deny. It was the obligation of the British Government: it was free from Income Tax: it could be cashed in at any time at a profit: and it made the owner part and parcel of the financing of the war. Every post office and nearly every bank became a selling agent. In short, it was a simple, cheap and worth-while investment absolutely within the scope of every one. At the outset the sale was restricted to those whose income did not exceed $1,500, the purpose being to keep the investment among the wage earners. So many munition workers were receiving such large incomes that this ban was removed. The only limitation imposed was that no individual could hold more than 500 Certificates. This did not prevent the various members of a family, for example, from each acquiring the full limit. Having decided to make the War Savings Certificate its prize commodity, the Committee proceeded to launch a spectacular, even sensational promotion campaign. J. Rufus Wallingford in his palmiest days was never more persuasive than the literature which now fairly flooded Great Britain. The phrase "Your King and Country Need You" that had stirred the recruiting fever now had a full mate in the slogan "Saving for Victory" which began to loosen pounds and pence from their hiding places. The injunction that went forth everywhere was "WORK HARD: SPEND LITTLE: SAVE MUCH" From every bill board and every newspaper were emblazoned: "SIX REASONS WHY _YOU_ SHOULD SAVE" Here are the reasons: 1. Because when you save you help our soldiers and sailors to win the war. 2. Because when you spend on things you do not need you help the Germans. 3. Because when you spend you make other people work for you, and the work of every one is wanted now to help our fighting men, or to produce necessaries, or to make goods for export. 4. Because by going without things and confining your spending to necessaries you relieve the strain on our ships and docks and railways and make transport cheaper and quicker. 5. Because when you spend you make things dearer for every one, especially for those who are poorer than you.