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rio. 15.
FEOFIE'S SAVIR6S UNDER TIE N. P.
The Issue Before the Eiectors !
(iOOD TIMES mm B AD TIMES !
Inci eased Savings Against Decreased Savings I
As regards the bulk of the people, every day's ezperieooe boa
demonstrated the worthleasneas of the Protective aystem.— 'VtV
j'eft'irj Cartwright
t'hn QnTerDtnent htre prorlded the country with two clusea of MTing* baoks under
thetr own control. TheM «re the poatal mTiDKa banks, chiefly con6ned to Ontario and
Q'li^lwi: ; and the UoTernment savings banks, in the other provincex. The limit allowed to
' iKisiiorn has l>een of latt< years reduced, in the casa of OoTernment saviuKs banks, to one.
ihiii the iiUonnt formerly allowed. In the case of the postal RaTings banks, the limit for
snr one depositor is three bandred dollars, with the exception of estates of oiiiors apd one
or I wo other cases, when, by special permlssio;^ of the Postmaster-Oeneral, the deposits may
)ii< as high as $I,GUO. A return to the House uf Commons in 1889 showed that out of 61^,-
CHI itepiisitors in th'se l>anks. S3, 432 had deposits under $900, and that 34,412 of these
< •rn under $100 ; su that is plain that the saTings banks represent the saTlngs of the peo-
i<'e — 'h« mechanic^ the artissnn and the women of Canada.
In urery country the savings hank depositii are regarded as one of the best tests of the
I .>ndi!ion of th« |ieople.
The following table will xhow whether Sir Richard Oartwright'a statement about the
" woiihlfS'^nese " of the present system is borne out by the facts. The column of flgn.es
h<u w I ih« amount of money accumulated at the end of June for each year ; —
* POST orrioa and aovisNMiiiT iiTmas iahu.
Y'*iir. Amount or I)eiK>M!tR
'-;:< $ e,lli6,321^>__a_i^ii^
U74 7,310.260^B^^lBBHHa
1 ■?» 7.171, IS^^^^BBiHHHi
l'<7e 7.044,1 IS^HaaHHiHB
:'477 7.47U,0:iaH^BnBiBB^^a
1H7A 8,497,01 SBiBBiB^^^^BHL^n
)8*a 0,207 08:<a—»_aaai__i>Ba^
1'<8J ll,O52,9.,0~»^_a_>iaa__aaB
18X1 l&,83g,072a>— ^a^a— 1^— >iB>ii>«i~B
)I«8J 21,7B8,eei— awB^»«— ^w-^^^-a^oBMHB
18H:| 20,219, 107a»^^B>-<ni<^'a^>—a^^^^^_^^
)8H4 2n,217,S»ei— •^i— »— ■»Bi-^_i»^_..i^^_^.i^
)b8» »2,9Tn,073^i^^— ^^— aB-^B_a__^._M.^^_^ai
IHKll !<8,164,0HUaaaii^— ^__i__aB^_ia__„____i^,^._
I'he ihii'kor linoH indicate the Cartwright tariff years. The lighter linps below hem
r (iiHSi-iit liie new tariff years. It will be seen tbat during the old tariff years thei was
no uaiy It decrease iu two years, and that the total increase in 1!?79 over 1874 was only
$' 00 i.iiiiO. Nolo also that the increase in 1886 over 1871/ was $29,000,000, and that each
<rii r.ew tariff years showed a great Bdvunce over the preceding year in tbo accnmulsted
Miviiigii of the pi'uple. Yet Hir Richard says the " experience of every day has demoi.si-rated
th ( worihlcssness of the present system " The tacts and flgures show that the present
I r.ff liB» KriiHlly sddwl to the ability of tho people to save money. Sir Kirhard's idea of
" w irihlessness'' wa" in bis imagination. The value of the National Poliov is rcpre.^euted
tv (III) (;reHt Slim oi.^lO. 000,000, the present accumulated savings of the people, instead of
e u'lii or nine milliuns iit the time of Htarlln'i lh,< National I'olicv.
VDI'li K0I4 TlIK SYSTEM WHICH HKLP.S THE PKOPLB TO MAKE AND TO
>\VK MO.Ni;v. VOTE AGAINST THE MEN WHO ARK THE ENEMIKS OK HE
NAi lO'lAI, I'OLICY,
" The Protective System Is pulling this country down hill every
flay."- fhi"ii/ii'-i Tniif^ t iiLtikf. orytin,)
% IIEFOKITS IN nSNSIllI, CHARTKHRD B1NI9.
Am. ., III! ill 11, irii. wiih MiM batiks of Canada, Icr tbo years given indicating iucrean-
i i{ till. ini'r.H iirid iiicroisln^ uccii'Ui.'latiiiii If otherwise This l..blo Is made up by taklug
lii • HVeriige deposits at the end of the months of September and October last :
V -^r. AinuiiDt. onDdposlt.
1x74 $ Ull,946,385a^a— B___i_>Bia_i^>ai^a»_aBM^
iiTiv i<i,-Aiv,i»«mmm^^mm^m'nm^imi^mamm
) -iTii ii»,6;i9,:u4i
ST7 114 451,(17M
IHTH nil. 'Jill, lllMHiSIUHlHHHMHHaBflBHa^BI^Bia
at,wo,iMbtmt^mmammmmmmmm^mmatmamtm
M-IO —',"••■'.
1 i'\ °",""- ■-•
>».' "'',°" ."""
'ii "" ■"""■■■■
I 'SI """"■"■'
>0 RH,4liH,ll:l4aa___>i_^____ia^_^^.^___i_i___i_
-"'> in,..ii.,o.. ■■- ■■
I'hi-i-e deposits, at the end iil Oneiuli r lii^t, Hminiuted to $1 1 l,;trt.'i iiilO.
'I'lie llii ker lines iudicato the Cartwright tariff yeais. The lighter liaes show tlie Prii"
leelivn tariff yiarn. Note how the deposits failed to Ih.ld their own during the Caitwrlnht
i.ais. Note Low tuey bnunded up uniinr the impulse of (he new tariff, and hnw, in spite
. t ih« liail times nil over the world In 1883-8.1, they held their own, nil last year they weie
SI'i 1100,000 more than in 1879 Uiiring the previous seven lean years under the Cartwright
i.iiiff they decnmsid over two mlllious of dollars.
Stand fljily, shouldur to shoulder, In lupport of too system which has wrought such
woiiilors, and . < not beguiled by any man Into supporting a ijibeial candidate.
l.lki! eveiythlug else, these figures show cleaily how much astray Sir Richard Cart,
"right Is when he declares that "no more stupid act of folly was over emnmitted than in
i i»l-iitig In iinilHting the piotecliva policy of the United States j there never was a country
les.s fulieii for that expnrlnieut than this 1) imlniou of Canada."
Vi.io fir the Niii.inai I'lilliy eatididates every time, and don't be misled by Ele<;lioii
promises of old upponent.s of tlio N iiloiial Policy.
rested in every way hy whicli men are aceiislomed to test the prosperity of a eoiiiitry
t'.(imd> Is seen 111 liava advunced riipldly ill iier onwird march to full doveloptnont under
te pi I'sent tariff The deposits of ilio ponplo iu the variiiin forms of banks, biiildlug »ii-
I lei|i.«, limn null invesloirintoumpanles are generally recogiiisod as one of the liest tests ul n
cuiiiiiij's priigieis. I
■OILDIXg ■OCIITin AKO LiiAS loMl'AltlBS UKHOBITS AT »«l> Or lUOl TIAt.
Ye«r.
1874 V AfiM.tis^mmimt^a^mmmt
1875 bfiiofif^i^mmmmmimm^atmm
187S »,i2ii,»i%mi^immmmmammmimmm
1877 7,102,1 H6MBaaaBa^HHaB^aH^aa
lb78 8,3l9.'.|l!i^BBBaHiBi^ai^HHHiMi^^
1871) 9,428,1 48>a^_>i__a___^_^__
1880 i>.7U,68S<x_iaB._i_^___i___^_^_i..^
1881 l-i,tS0.208aB^^^M__^_^^__^^__.a_^_
1889 '■• "-' -"
1888 '■"■•■■•■
1884 I a ma «ia
18l» 18,43S,084>^_BaBi>uw_>____a__aaa>_ia_ii^_^.__
Observe tbe fact that the deposi's have iiearlv il'iili'i'ii fir.ce iImi Na'i<.tml roiirv whs
introduced, and are now close upon fifteen and aba'<f million dolla:s. The thii.-ker lines mLmw
the years of the old tariff; the lighter lliies Ihe y arsof ibe National Policy. Yon see lemaik-
•ble progress in 'be r^avings of the |)00pledeposi «d in this class of saviugs hanks. It is
Just the same in all the other savings band. Taking Ibu savings buiks,;! ail kinds i.i Can»da
the accumnlated savings of the people hart, increased, (iDO* lilt, «h<M th* oppooMti of
the Nationa Policy were turned out of the Qoveroasat, BOl l«t «kna WVWtr-ali^ Klltioa
dollars, against an increase under the o!d tariir of two aede half ■lllioa*. TUc il viMl
Sir Richard Cartwright calls a demonstration of the wor< biMsueaa nf tb« prmnt s ysl wl
Don't make a mistake about your vote. Tbo present system, test«d liy its liuits, lias
proved itself highly beneficial to Canada. By its fruits you may know its value. Sustain
the friends of the National Policy and not its opeti or concealed enemies.
DirOSITB IN SriOUL CBAHTIRED SAVINGS BABES.
There are two savings banks in Qaebee province making monthly returns to Ihe Gov-
ernment — the Montreal City and District Savings Bank and the Caisse d'Economie of
Quebec city. These returns, like all other returns, show Ihat unler the free trade tariff the
savings of the people diminished greatly during the comparatively slight depression yeais
1877, 1878 and 1879, whilo under the protectivo taiiff the savings, during the woild-wide
and severer depression of 1883-6, scarcely deorea'iid at all. Under ihe fiee trade tariff the
country suffered more than other countries duritii; the slight ilepression of that period.
Under the protective tariff the country suffered but little, though in outside countries Ihe
depresBiou was the greatest over kuown. ltqui..ily recovered itself and began again to
advance, while other countries were still going luck.
The following table gives the average deposits by the working classes, held by the two
bnoka named, in the two months of September and Otober, from 1874 : —
niPOaiTB (T TUB PIOPLK in HDITtlAL AND qOSBIO BAVIHOB BANX8.
Ten/. Savings
1874 $7,088, 48B^^_i^>_a^^ii_a___»->_aa>_^
l*7B t.sti.onmm^m^i^mmmamammmmmmmimm
187S »fii»,snmmimmmmmmmmmm^^mmmammmm
1177 B,849,fiS3aBHHHi^^B^HiHBBiHii^^
1878 ifiw,mmmmmamtjmmmimmmmmmmm,
1879 bfiw,'iy.\mmmmamtmm^m^ma^mn
1^80 7,118,486
1881 '.— ".""'
1882 8,908,829
1883 8,787,412— ^—i—^^——— ——— i
1884 B.»91,B90 I •
188S "."•".-•-
1886 9,403,6.0— —<-■— .i— ^»— — ■^»
Observe how, in 1880, after the new t'lntt li-*! ii len la o.ieraii'ni fir eighteen months,
the deposits began to accumulate, and liow they remained during the whole period at th»
larger amounts, closing last year with the largest amuunt on deposit ever known in the
history of these banks. The comparatively slight decrease in 1883 and 1884 will show liuw
easily the people passed through the cisis which so deeply and disastrously afi'scteti other
countries. Observe too how coutiouous was the decrease in the accnmuIstloB of deposiis
from 1871 down to 187», when the Cartwright tariff was in force. In 1879 the derrease wiis
30 per ceut , while from 1879 lo 1880 the increase was 76 per cent — an average decrease of
6 per cent, a year In the Cartwright tariff period, and an average Increase of over 10 per
cent, a year under the proltctiou tariff, uotwil.'isianding the fact that the deepest depression
the world has evi I known was r ;;lug among Iliu ijations ontside of Canada. The wage
earners of the country can tiius reaiiilv measure the aiivautiige to themselves of having tiie
present tariff coutiuued tluder the care of its fri'inds instead of being placed in the charge of
men hostile to it.. Vote for the Liberal-Conservative candidates and for good wnges. Don't
vote for Ihe bad times of tbo Orits and Rouges to come back again.
A good way, perhaps the very iicst, to Judge of Itie effects of the National Policy upon
the wuges receiving classes of the ciiy <ii Montreal is to lake Ihe sworn returns ot an iusli-
tuiion like the Cily and District Savings Bunk of Montreal.
In 1803 and IH74 the taiiff ol the Libeiai [Jouservntivn Oovernment was Id force. In
IS7B, '70, '77, '78 anir79 the (Jarturight tariff was 111 firce, (XCnpt for a few months in
the latter year. In 1880 do-.7n to llio present tlinn lh« protw'.ve tariff has been in force.
Study now tliu foilowing'table, being thn average ni the nieumuiatiou of deposits In the City
of Montreal and Uistrtrt Savings II ink for tlm luoiiths ul September and October last, taken
from the sworn lelurus made to the O iveriiinetii ; —
nsi'osiTa iiv Tits i'«opt,s.
Year.
187.1 $.i,aan,8ii» i
1874 4,270. tiua — — »
1876. :l,(l4T,lnoaaBHBMMaBBBaBaaiBaHii^HB
1876 *.'i«»,ix~mmmmmmmmmmmammmammimmm
18TT . ii,:iR.<,i) 1 wm^mmi^mamm^mBmmmmm
lilt •iMo:i\::'twmmmmmtm^mmammmmi^mi
1870 ■A,wa,n\.\mamimmmmamtmmmmm^m
IHS'I ■■•"."■'
1801 B,107 Ills II
IH'tll ,,,,, tl,nilO,4:l4^BaaiiBBBi^i»BMa— BBiai^~Bnaa>^iBaa_a_a_
InaJ 6,n79,49ftaB~Baa>^aaaaB^»aai^B— >B^~i^a>.a>_i_ai_ '^
|sa« t.lff t.-f
1II8.S «.4'.'H.'MI I
InHil II.SKI.iI'll — »»— — — .»—
The Ibloner lluea show the years before and after Ihe Cartwiighi puiiod, ard InillcHia l<<
ihe eyo th« difference Iwtween the free trade and the prolei live (terlid. ,. You wii| s e iliat
duriiig the free trade neriud thfl iendencv was to liocreasn, so that iu 1879 the deposiis wer
one million 'l,-.!lari less than In 1874, while under tlie prolm'livniariff the de|ioiitla innrei eeil
over ihien millions iit.:! a half — or more than doubleit. It Is ol«« thai tlin people ot M'nt-
leal have been able to lay by for ■' a rainy day ' ' more than ilonme what they war* able to
lay ky under thn <rd tariff Stick to ihu present tariff j siippo* it« friends the I.iheral-
Oonservatlve eauiildales, and go on pruspeiing. That is our adiAoe to the wagee reoeivioK
Ben anti women of Montreal city and di'trlvt ,