[20] Memoir, page 98.
[21] Ibid, page 105.
[22] Strange to say, Dr. Duncan's name does not find a place even in Mr. Robert Chambers's elaborate Dictionary of celebrated Scotchmen, an oversight much to be regretted.
[23] (1) An Essay on the Nature and Advantages of Parish Banks, together with a corrected Copy of the Rules and Regulations of the Parent Institution at Ruthwell; and Directions for conducting the details of business; Forms showing the methods of keeping the Accounts, &c. By the Rev. Henry Duncan, Minister of Ruthwell. Edinburgh. 1815.
(2) A short Account of the Edinburgh Savings Bank, containing Directions for establishing similar Banks, &c. Second Edition. Edinburgh. 1815.
[24] Duncan's Essay page 27.
[25] Workmen's Earnings, Strikes and Savings, page 37.
[26] One clause in the Rules states that “Interest is to be calculated by months, as the calculation by days on such small sums would be extremely troublesome, and without any adequate advantage.”
[27] Edinburgh Review, xlix. page 146.