Many other cases of the same kind might be mentioned. In one case a boy saved sufficient money to buy a suit of clothes for his father, who had spent all his earnings in drink, and reduced himself and his family to poverty; in other cases, sons and daughters maintain their infirm parents without resorting to the parochial Board for assistance. Some save for one thing; some for another. Some save to emigrate; some to buy clothes; some to buy a watch; but in all cases frugality is trained, until saving becomes habitual. One of the Yorkshire actuaries of the Penny Bank tells the following anecdote as conveying a lesson of perseverance and encouragement to branch managers. "Mr. Smith was one of our first managers, but after attending two or three times he left us, saying it was 'childish work.' My answer was, 'It is with children we have to do.' A short time after, I met him, and in the course of conversation I observed that I sometimes got _down in the mouth_, and did not know whether we were doing any good, and felt disposed to give up the bank; on which he warmly replied, 'For God's sake, you must not let such an idea get into your head; you little know the good you are doing; we have not a man about our place but either himself or some members of his family are depositors.'" The actuary adds, "If Colonel Akroyd ever despairs, I give him the above answer." Savings banks have thus been the means of doing an immense amount of good. They have brought peace, happiness, and comfort into many thousands of families. The example of Mr. Akroyd should be largely imitated, and there ought not to be a county in the kingdom without its organized system of Penny Banks. CHAPTER XI. THE CROSSLEYS--MASTERS AND MEN (CONTINUED). "The sense to enjoy riches, with the art T' enjoy them, and the virtue to impart."--_Pope_. "My ventures are not in one bottom trusted, Nor to one place; nor is my whole estate Upon the fortune o' this present year."--_Shakespeare_. "The roughest road often leads to the smoothest fortune."--_Franklin_. "Who can find a virtuous woman? for her price is far above rubies. The heart of her husband doth safely trust in her, so that he shall have no need of spoil.... She seeketh wool and flax, and worketh willingly with her hands.... She layeth her hands to the spindle, and her hands hold the distaff. She stretcheth out her hand to the poor; yea, she reacheth forth her hands to the needy.... Strength and honour are her clothing; and she shall rejoice in time to come.... Her children arise up, and call her blessed; her husband also, and he praiseth her."--_Proverbs of Solomon_.