And yet the private soldiers do not deposit all their savings in the military savings banks,--especially when they can obtain access to an ordinary savings bank. We are informed that many of the household troops stationed in London deposit their spare money in the savings banks rather than in the regimental banks; and when the question was on a recent occasion asked as to the cause, the answer given was, "I would not have my sergeant know that I was saving money." But in addition to this, the private soldier would rather that his comrades did not know that he was saving money; for the thriftless soldier, like the thriftless workman, when he has spent everything of his own, is very apt to set up a kind of right to borrow from the fund of his more thrifty comrade. The same feeling of suspicion frequently prevents workmen depositing money in the ordinary savings bank. They do not like it to be known to their employers that they are saving money, being under the impression that it might lead to attempts to lower their wages. A working man in a town in Yorkshire, who had determined to make a deposit in the savings bank, of which his master was a director, went repeatedly to watch at the door of the bank before he could ascertain that his master was absent; and he only paid in his money, after several weeks' waiting, when ne had assured himself of this fact. The miners at Bilston, at least such of them as put money in the savings bank, were accustomed to deposit it in other names than their own. Nor were they without reason. For some of their employers were actually opposed to the institution of savings banks,--fearing lest the workmen might apply their savings to their maintenance during a turn-out; not reflecting that they have the best guarantee of the steadiness of this class of men, in their deposits at the savings bank. Mr. Baker, Inspector of Factories, has said that "the supreme folly of a strike is shown by the fact that there is seldom or never a rich workman at the head of it." A magistrate at Bilston, not connected with the employment of workmen, has mentioned the following case. "I prevailed," he says, "upon a workman to begin a deposit in the savings bank. He came most unwillingly. His deposits were small, although I knew his gains to be great. I encouraged him by expressing satisfaction at the course he was taking. His deposits became greater; and at the end of five years he drew out the fund he had accumulated, bought a piece of land, and has built a house upon it. I think if I had not spoken to him, the whole amount would have been spent in feasting or clubs, or contributions to the trades unions. That man's eyes are now open--his social position is raised--he sees and feels as we do, and will influence others to follow his example."