Page:The reciprocity craze.djvu/25

 We thus see that while the material condition of our population has steadily improved, their moral and intellectual condition has also advanced in a remarkable degree.

One of the signs of improvement is in the matter of thrift. Take the Savings' Bank figures:—

In 1879 the insolvencies were in number 13,132, and in amount £29,678,000.

In 1880 the insolvencies were in number 10,298, and in amount £16,188,000.

INCOME TAX.

8.—

Let us now take Banking and the Clearing House returns:—

9.—