, and Snoggs
was offered the same, only he asked, for reasons that do not concern our
puzzle, that he might take his rise at L2, 10s. half-yearly, to which
his employer (not, perhaps, unnaturally!) had no objection.

Now we come to the real point of the puzzle. Moggs put regularly into
the Post Office Savings Bank a certain proportion of his salary, while
Snoggs saved twice as great a proportion of his, and at the end of five
years they had together saved L268, 15s. How much had each saved? The
question of interest can be ignored.

27.--GIVING CHANGE.

Every one is familiar with the difficulties that frequently arise over
the giving of change, and how the assistance of a third person with a
few coins in his pocket will sometimes help us to set the matter right.
Here is an example. An Englishman went into a shop in New York and
bought goods at a cost of thirty-four cents. The only money he had was a
dollar, a three-cent piece, and a two-cent piece. The tradesman had only
a half-dollar and a quarter-dollar. But another customer happened to be
present, and when asked to help produced two dimes, a five-cent piece, a
two-cent piece, and a one-cent piece. How did the tradesman manage to
give change? For the benefit of those readers who are not familiar with
the American coinage, it is only necessary to say that a dollar is a
hundred cents and a dime ten cents. A puzzle of this kind should rarely
cause any difficulty if attacked in a proper manner.

28.--DEFECTIVE OBSERVATION.

Our observation of little things is frequently defective, and our
memories very liable to lapse. A certain judge recently remarked in a
case that he had no recollection whatever of putting the wedding-ring on
his wife's finger. Can you correctly answer these questions without
having the coins in sight? On which side of a penny is the date given?
Some people are so unobservant that, although they are handling the coin
nearly every day of their lives, they are at a loss to answer this
simple question. If I lay a penny flat on the table, how many other
pennies can I place around it, every one also lying flat on the table,
so that they all touch the first one? The geometrician will, of course,
give the answer at once, and not need to make any experiment. He will
also know that, since all circles are similar, the same answer will
necessarily apply to any coin. The next question is a most interesting
one to ask a company, each person writing down his