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TWO:Sir Walter Scott has, perhaps, left the most permanent traces behind him. We have on many occasions mentioned this illustrious writer; perhaps this is a fitting time to speak more in detail of his career. He was born, in 1771, of a very respectable family, at Edinburgh. He began his career as an author while very young; his earlier publications, though not successful in a pecuniary way, were greatly admired by good judges; and his undoubted talents, as well as his family connections, introduced him to men high in rank, whose influence became valuable to him, and also to the most distinguished literary characters of the time. His appointment as sheriff-depute of Selkirkshire, by securing him a competent income, while its duties demanded but little of his time, enabled him to devote himself to his favourite pursuits; and his resources were further augmented by a small patrimony which he obtained at the death of his father, and by property he received with the lady whom he married. At this period he produced several poems, some of which were of considerable length, and he acquired a large amount of celebrity. "Marmion" appeared in 1808, and "The Lady of the Lake" in 1810. His income from various sources became, after some time, very considerable; and happy would it have been for him had he been content with it. But ambition, of which he had long shown symptoms, became a master passion, and he yielded fatally to its influence. To hasten the acquisition of wealth, as a means of adding to the consequence and importance of his family, which was the dream of his life, he became a partner in a large publishing firm, which afterwards involved him in its ruin, and whose liabilities swallowed up the profits of a most successful career. The demands which it continually made on his resources compelled him to undertake literary drudgery, in addition to his ordinary labours; and the magnitude of the enterprises filled him with continual anxiety. His time was unremittingly occupied: from 1815 to 1825 he vanished, indeed, from public view; yet he was never more thoroughly employed. "Waverley" made its appearance in 1814; but the name of the writer was, for some time, involved in impenetrable mystery. Its success was unexampled, and it was followed by many similar productions. When the hour of Sir Walter Scott's seemingly greatest prosperity had arrived, and his most sanguine expectations[437] appeared to be nearly realised, the crash came. The firm of which he had so long been a secret partner stopped payment; this event, besides entailing upon him immense pecuniary loss, inflicted a deep wound on his feelings by proclaiming to the world his connection with mercantile speculations. His conduct upon this trying occasion was, however, in accordance with his whole life; he refused to avail himself of any legal technicalities for the purpose of diminishing his responsibilities; and he not only gave up to the creditors of the concern with which he was so unfortunately connected all he then possessed, but devoted the energies of the remainder of his life to make up the large deficit that still remained. He afterwards realised the enormous sum of ��40,000 by his writings, and shortly after his death his debts were paid in full by his executors. But his exertions had been too much for him; he became ultimately a wreck both in body and mind; every effort to recover health was in vain; the last few months of his life passed with very rare intervals of consciousness; and he expired, it may be said, prematurely, in the sixty-first year of his age. He ranks high as a poet, but far higher as the discoverer of a new world of fiction; in describing which, however numerous those who attempt to follow the course which he pursued, he is little likely ever to have a successful rival. He died in 1832, and so belongs more properly to the reign of George III.Savings-banks afford a very good index to the improved condition of the working classes. In 1830 the total number of depositors in the United Kingdom was 412,000; and the amount deposited, ��13,500,000. In 1840 the number of depositors had increased to nearly 800,000, and the amount to ��23,500,000. The total number of depositors in 1845 was 1,000,000, and the amount of investments nearly ��33,000,000. Of this sum, domestic servants, nearly all females, deposited ��80,000.