ings-banks, and the decrease in pauperism are also entitled to the highest consideration in this discussion. In the United States the ag- gregate savings-bank deposits increased from 1849,581,000 in 1873, to $3,152,932,000 in 1886, an increase of over 150 per cent in thirteen years, while the increase in the population of the country during that same time was probably not in excess of 30 per cent. The increase in the deposits of the savings-banks of all other countries, for which data are accessible, show the same law of rapid increase, though not in so large a progressive ratio as in the United States. Thus, in Great Britain the increase between 1875 and 1885 as regards deposits was 40 per cent, and in the number of depositors over 50 per cent,* while the increase in population during the same period was about 10 per cent. Switzerland and Sweden and Norway lead all the nations of Europe in the ratio of savings-deposits to the population—the increase, comparing 1860 with 1881, having been from the ratio of 4*2 to 35*5 in the former, and in the case of the latter, from 6*8 to 18"1. In Prussia, where the savings-banks are used almost exclusively by the poorer classes, the deposits for 1886 showed an increase of 876,000,000 marks over the year 1878. The percentage increase in deposits and de- positors in France and Italy in recent years has also been large, and far in excess of any percentage increase in their population. The ag- gregate savings-deposits in various institutions and societies for the Continent of Europe, in 1885, was estimated at £338,000,000; or, in- cluding Great Britain, £538,000,000 ($2,690,000,000).
There are no statistics of national pauperism in the United States, and general conclusions are based mainly on the returns made in the eight States of New York, Pennsylvania, Ohio, Illinois, Massachu- setts, Wisconsin, and Michigan. A report made by the standing com-
in full operation, and therefore the full details of the results of but one month (Novem- ber, 1887), can be here furnished.
For this month the family consisted of twenty-one adult persons (females), including matron and servants; and the entire disbursements for all running expenses, except for fuel and rent, were $236.41, which were itemized as follows: food, $151.19; gas and oil, $8.83; ice, $1.30; incidentals, $9.54; furnishing, $9.05; salary of matron, $20.00; wages, $30.50. The average expense per individual per week was$2.81f. 'The average expenditure for food for each individual per n-eck was $1.74; per day 24 cents. The sum of $276.30 was received for board, leaving a balance applicable for fuel and rent, for the month, of $49.71. The persons composing the family were not factory-hands, but stenographers, milliners, type-writers, and a few art students. The food furnished was not what would be properly called "cheap," but every way excellent; and the table is believed to far excel what will ordinarily command a charge of from $8 to $10 per week. As might be inferred, the larger rooms of the house were required to accommodate more than one person, but there was no crowding.
- The amount of deposits in the British Savings-Bank for 1886 was £98,000,000
($190,000,000). But besides the savings-banks, there are in Great Britain a number of institutions for the promotion of thrift, which have no exact counterpart in the United States, and which hold also large amounts of the savings of the people, as railway sav- ings-banks, incorporated provident building societies (with £50,000,000 of funds in 1885), friendly societies, etc., and in all of which the deposits are rapidly increasing.