(* If, however, he pays a cheque with a forged
signature he is responsible, as he is supposed
to know the handwriting of his own customer.)

It is illegal to post-date a cheque, the reason
being that bills of exchange, which are obliga-
tions to pay money at a future date, bear a
much higher stamp duty than cheques. It
would, therefore, be a fraud upon the revenue to
make cheques do duty for bills of exchange.



CHAPTER II.
THE BANK ACCOUNT.

THE manner in which Miss Smith had left her
money on what is termed a current account at the
Bank is convenient to herself and profitable to
the Blankshire Bank, for they have the use of it
free, paying nothing for that use in the way of
interest.

She will have other money coming to her in
the shape of rents, and the interest on money
invested, as represented in those documents in
the tin box - all which money can be handed
over to the Bank in the same way that the £500
was. There is, however, no reason why she