December 20. “Button, I sometimes wonder how the lowliest labourer like those who polish shoes, cobblers, road-side watch mechanics or even the plumber or electrician who are not connected to building societies make their living!”

“Must be tough.”

“Look at these photographs of shoe-shine boys trying to make a living.”

“That’s very unfortunate.”

“Do you now realise how fortunate we are?”

“I do.”