10,739. Why?-From the want of silver.
10,740. Is that because they transact their business to such a large amount by barter?-Yes; I attribute the want of silver, to a large extent, to that.
10,741. Are you expressing that opinion from a single instance, or from a variety of cases?-From repeated instances happening within my own experience in which I have not been able to get change. I have not been able to get change at a large shop, but very frequently I have got it at the smaller shops. The general opinion is that a greater amount of the silver coin is to be found with these smaller merchants than at the larger shops, and in that opinion I quite concur.
10,742. Are you speaking now of what you know to be the general opinion, or of what you have found to be the case in your general experience?-I am speaking of what I know to be the case from my own experience.
10,743. Have you formed any opinion as to the effect of this system upon the truthfulness and uprightness of the Shetland character?-I have formed the opinion that it has a very bad effect indeed upon the straightforwardness and truthfulness of the character of the people in this part of Shetland, for of course I have, had no experience elsewhere. I have found among the younger portion of the population generally a desire or at least a tendency, not to be so straightforward as one would wish.
10,744. How does that arise from the system?-I think it arises from it in this way?-Very often a fisherman or his wife may be taking their produce to a small merchant, under the impression that they will get a better bargain there than from a larger merchant; and there is a general desire to conceal what their possessions may be. I have found by experience that I have been imposed upon in one or two instances with regard to that.
10,745. But do you think that has occurred in more instances than would have occurred in any other parish in Scotland?-I do think so. I think that one great evil of the present system arises from the people not feeling the value of what they purchase, because they get it on credit here, and are led to use what the same class of people do not use elsewhere. For instance, they use a great deal of tea and fine flour, and fancy biscuits and preserves, and other things of that kind. I think that has a very deleterious effect upon the people themselves, because it encourages prodigality, and the same earnings would go much further if laid out on different and more wholesome fare.
10,746. Do you think they take these things because they get them on credit?-They get them on credit; and my belief is, they do not feel it so much as if they were paying ready money for them.
10,747. You mean they do not feel it except once a year?-Yes; and I believe they would think more about it if they had to pay for them in ready cash.
10,748. Your knowledge with regard to the payment of annuities and pensions. I presume arises from the fact that you have in many cases to sign a certificate before the annuitant or pensioner is entitled to receive payment?-Yes.