Note 8 — Chapter I

Much of what we have said in the foregoing pages is admirably summed up in a sentence or two in an article on Savings Banks, which we would not be far wrong in attributing to Dr. Wynter, and which we had not seen before these pages were written: Contemporaneously with the growth of savings banks, we have seen a growth of civilization among the poorer classes. Thrift has not effected all that amelioration of morals which contrasts so happily the mid years of the century with its younger ones; but it has been no mean confluent to the tide of progress, the softening of manners, the spread of education, the humanising of popular sports and pastimes, the wakening up of the natural dignity and self-reliance of the people,—the broad and indispensable basis of every other virtue.—London Review.