"How do you mean?" he asked suspiciously.

"There are lots of strange boats put in here of a night; some of them containing beach-combers who do not care who they rob or what they do so long as they get a haul. Besides, the loggers are not all angels and they generally pay you a visit every time they come in. Some of the worst of them might get wind that you keep all your savings here and might take a fancy to some of it."

"Guess all I got wouldn't pay the cost of panning," grunted Jake. "They ain't goin' to butt in on me. Anyway,—I got a pair of good mits left yet."

"Yes!—that is all right, Jake, but nowadays a man does not require to run the risk. The banks are ready and willing to take that responsibility, and to pay for the privilege, too. The few dollars I have are safely banked in Vancouver."

"Banks be damned!" growled Jake. "I ain't got no faith in banks,—no siree. First stake I made went into a bank, Goodall-Towser Trust Co. of 'Frisco. 'Four per cent interest guaranteed,' it said on the front of the bank book they gave me. That book was all they ever gave me; all I ever saw of my five thousand bucks. I thought because it said 'Trust' on the window, it was right as rain. I ain't trustin' 'Trust' any more.

"I raised Cain in that Trust outfit. Started shootin' up. Didn't kill anything, but got three months in the coop. Lost my five thousand plunks and got three months in the pen, all because I put my dough in the bank.

"Banks be damned, George. Not for mine,—no siree."

Jake puffed his pipe reflectively, after his long tirade.

"That's all very well, but there are good banks nowadays and good Trust Companies, too, although I prefer regular chartered banks every time. Those banks are practically guaranteed by the country and the wealthiest men in Canada use them. Why!—Mr. Horsfal has thousands in the Commercial Bank of Canada now. Here is the bank book,—see for yourself! I send in a deposit every week for him."

Jake was impressed, but not unduly. He suddenly switched.