Note 1 — CHEERFUL ARITHMETIC.
Reading edition
The comparative smallness of the deposits in Scotland arises from two causes: first, the system of allowing interest upon very small sums deposited in private and joint-stock banks; and, secondly, the more recent connexion of savings’ banks with the Government in that division of the kingdom. Hence, there is no reason for supposing that the labouring-classes of Scotland are less saving than those of England or Ireland.