together, as each feels sure of getting due credit for original ideas. Many important alterations in organization and methods of working have been carried into effect, entirely owing to this scheme.
In order to encourage thrift (at the same time insuring privacy), a Savings Fund on a novel system has been working successfully for several years at Bournville. The fund was opened in Jubilee year by gifts of £1 to each employee who had been three years in the service of the firm, and 10s. to those employed for a shorter time. Deposits are received, and amounts withdrawn in the usual way during the year, through collectors in each department, the depositors' cards being called in quarterly for audit. At the end of each financial year, in May, interest at the rate of four per cent, is added to the amount standing to the credit of each depositor, and the whole amount paid over to the Post Office Savings Bank. At this time also, Post Office officials attend at the works,
- The regulations adopted are so interesting that a place has been found for them in an Appendix (p. 106).