various sums. These notes are made payable once a year,
generally about the latter end of September at Montreal.
The name of the merchant or firm is subscribed.' This
was merely an extension of the system of credit still in
use with country merchants, but it provided the settlers
with a very convenient substitute for cash. The merchants
did not suffer, as frequently this paper money was lost,
and never presented; and cases were known of its use by
Indians as wadding for their flint-locks.

Social instincts among the settlers were strongly marked.
Whenever a family was erecting a house or barn, the
neighbours as a rule lent a helping hand. While the men
were raising barn-timbers and roof-trees, the women
gathered about the quilting-frames or the spinning-wheels.
After the work was done, it was usual to have a festival.
The young men wrestled and showed their prowess at trials
of strength; the rest looked on and applauded. In the
evening there was a dance, at which the local musician
scraped out tuneless tunes on an ancient fiddle; and
there was of course hearty eating and, it is to be feared,
heavy drinking.

Schools and churches were few and far between. A number
of Loyalist clergy settled both in Nova Scotia and in
Upper Canada, and these held services and taught school
in the chief centres of population. The Rev. John Stuart
was, for instance, appointed chaplain in 1784 at Cataraqui;
and in 1786 he opened an academy there, for which he
received government aid. In time other schools sprang