the big mercantile establishments that have Associations, the weekly
drawings of Certificates with all their elements of chance and profits
are exciting events.

Many Britishers shy at co-operation. For example, they like to save "on
their own." To meet this desire, the War Savings Committee devised an
individual saving and investment plan which begins with a penny, that is
two cents. Any person can go to the Treasurer of a War Savings
Association and get a blank stamp book. Each penny that he deposits is
marked with a lead pencil cross in a blank square. When six of these
marks are recorded, a sixpenny stamp is pasted on the blank space. As
soon as the book contains thirty-one stamps it is exchanged for a War
Savings Certificate.

Still another plan has been devised to meet requirements of people who
do not care to affiliate with the War Savings Associations. Any post
office will issue a stamp book in which ordinary sixpenny postage stamps
can be pasted. When thirty-one have been affixed they may be exchanged
at the post office for a pound Savings Certificate. These books have
this striking inscription on their cover: "Save your Silver and it will
turn into Gold! 15/6 now means a sovereign five years hence."

The whole Savings Campaign is studded with picturesque little lessons in
thrift. The London costers--the pearl-buttoned men who drive the little
donkey carts--subscribed to $1,000 worth of Certificates in a single
week, although they had made a previous investment of $4,000.

In hundreds of factories the idea has taken root. In some of them War
Savings subscriptions are obtained by means of deductions from wages.
Employees can sign an authorisation for a certain amount to be taken
each week or month out of their wages. They get accustomed to having
two, three, four or five shillings lifted out of their wages and thus
their saving becomes automatic.

Often the employer helps the movement by contributing either the first
or last sixpence of each Certificate or offering Certificates as bonuses
for good conduct or extra work. When one small employer that I heard of
pays his men their War Bonus, he gets them, if they are willing, to
place two sixpenny stamps on a stamp card, for which he deducts
tenpence. The employees are thus given twopence for every shilling they
save. When these cards bear stamps up to the value of 15/6 they are
exchanged for War Savings Certificates.

No field has been more fruitful than t