CHAPTER VIII.

THE FINANCIAL SERVICES.

The generosity of the British People—G.H.Q. was not a spendthrift—The Pay system—Curiosities of banking in the field—Claims of the civilian inhabitants—The looted rabbit.

The financial side of the B.E.F. was one of the triumphs of G.H.Q. "Yes, in spending money," someone may remark, thinking gloomily over his Income Tax assessment. But the triumph I refer to is in the dealing with vast sums with so little loss from peculation or from mistake.

An Army in the Field should not be pinched for money if it is to work with confidence and economy of life. Very often in the history of war a "ragged Army" has done wonders, and the praise of those wonders has led to some minds confusing raggedness with heroism, thinking that desperate impoverishment is a good thing for an Army. It might have been sometimes in the old days, when the sack of the enemy's country was the reward of victory and it was a case of fight or perish. In modern times it is a sound principle of warfare that the better an Army is supplied with the means of warfare the less will be the cost of life in achieving its purpose.

The soldiers of the British Army in France have reason to feel grateful to the people of Great Britain that there was never any sparing of money at the expense of their comfort and safety. No Army at any known period of the world's history was more lavishly provided for in food, clothing, munitions and pay. To illustrate on one point only, that of munitions. In the British Army 100,000 men in a day used 410 tons of munitions, in the French Army the same number of men in a day used 246 tons. Part of the disparity might be accounted for by superior economy on the part of the French. Most of it was due to the fact that the British people were able to supply, and did supply, their troops with far greater quantities of shell, etc., so as to take as much of the burden of war as possible off the flesh and blood of the soldier.

The taxpayer for his part can be comforted with the knowledge that, so far as the Army in the Field was concerned, there was an honest effort to guard against waste. Of course war is a wasteful business, essentially, and no possible precaution can guard against some losses. Often the position is that a great amount of material has to be devoted to a certain purpose though it is very likely to be wasted, because the alternative is to incur a greater risk of life. It was always the British system, a system which Parliament insisted upon equally with the Generals in the Field, that any sacrifice of money and material was to be preferred to a useless sacrifice of life.

In peace times the Finance Branch of the War Office had a long-standing reputation for artful meanness. It was accused of working on the principle that an officer in the Army was always possessed of abundant private means and therefore never really wanted any Army money, and that a private soldier was clearly a fool and a failure for being in the Army at all and therefore deserved little or no consideration. If he were allowed money to spare he would waste it on dissipation.

Certainly F. Branch War Office showed itself time and again very sharp at construing the Pay Warrant to the benefit of the Treasury, but it was never quite as bad as that. In the Field the spirit of economy had to give place to the spirit of efficiency and of morale. Nevertheless, a very tight check was kept on the money-bags to prevent dishonesty or extravagance. The Financial Adviser at G.H.Q. was a potentate of great ability and of enormous authority. No order which involved the spending of money could go out without being referred to him and winning his approval. He had the right of access to the Commander-in-Chief at all times. It was said that since as a civilian he did not get prompt and full respect from sentries, or from officers who did not understand his position as Chancellor of the Army Exchequer, he was made a General in a single day, and that when he first walked abroad as a General and sentries presented arms to him he was greatly perturbed, thinking that this might be the first step in an outbreak of personal violence. But that was by way of persiflage. All officers who came into contact with him recognised a man of ability and of sympathy.

It was the Army Pay Department that most closely touched the lives of the soldiers in France. It had to pay a total of about two and a half million people of all kinds—officers who were either affluent or careful and gave no trouble at all; officers who were neither and whose impecuniosity had to be guarded against; a very few officers who were actually dishonest; "other ranks" in whose pay there were infinite complications due to separation allowances and the like; and furthermore the women of the various auxiliary corps, the Labour Corps of various nationalities, civilian auxiliaries and the like. As the war progressed "Pay" had to act as money-changer, dealing with almost all the currencies of the world, and as a Savings Bank and as liquidator of all kinds of claims and as a third party in those highly convenient transactions in which an officer bought clothes and other necessities from "Ordnance" at a price which was sometimes less than half that charged by London stores.