debt. Nevertheless, gold coin of proper weight
is a legal tender to any amount. Silver is not
a legal tender for sums over two pounds, nor
bronze for sums over one shilling.

But even with bank-notes the requirements
of business are not fully satisfied, as there is
always the risk of their being lost or stolen. To
avoid this risk, and to provide facilities for
buying and selling, with the complications inci-
dent thereto, and the passing of money from
one hand to another, an intermediary agency is
required, and that agency is to be found in the
banking companies. In nearly every town,
having a pretence to the name, in the United
Kingdom, will be found a branch bank of some
establishment of more or less repute, and those
who are fortunate enough to possess money will
do well to take advantage of such an agency
for their money matters, having, of course, first
ascertained that the standing of the company is
such that they may do so with safety and confi-
dence.

As a first step we give an example of what is
occurring daily in hundreds of cases.

Miss Jane Smith is a lady who has been
brought up without the slightest instruction in
business matters, indeed has rather plumed her-