"What if you have to spend more than your card in any one year?" I asked.
"The provision is so ample that we are more likely not to spend it all," replied Dr. Leete. "But if extraordinary expenses should exhaust it, we can obtain a limited advance on the next year's credit, though this practice is not encouraged, and a heavy discount is charged to check it. Of course if a man showed himself a reckless spendthrift he would receive his allowance monthly or weekly instead of yearly, or if necessary not be permitted to handle it all."
"If you don't spend your allowance, I suppose it accumulates?"
"That is also permitted to a certain extent when a special outlay is anticipated. But unless notice to the contrary is given, it is presumed that the citizen who does not fully expend his credit di
