Every bank man should make a thorough study of his own department. He should endeavor to find ways for improving the work that is being done within his own department. Those who can suggest improvements will always receive favorable mention when advancements are being considered. But it must be remembered that these suggestions are welcomed only when given to the proper person, at the proper time, and in the proper way. The work of no department will run smoothly or efficiently unless the workers are punctual and accurate. Punctuality is demanded because the work of many may depend upon the work of one or two. Accuracy is demanded in order to avoid unnecessary labor for others who are compelled to balance with you. Particularly in the handling of all documents and in the writing of all letters and numerals, accuracy is important. In the writing of numerals good penmanship is a prerequisite. In developing one's individual character and ability, the saving of some part of the wages on each pay day is important. Unless you can save a little you will not be in a position to take advantage of opportunities that are offered you later in life which require capital. The man who cannot discipline himself by compelling himself to save a little is hardly fitted to discipline other men in other matters. Also, a habit of regular saving will help a bank man out of difficulties, such as borrowing, and will also keep him free from worry, which is known to be a source of personal inefficiency. Above all else, it is necessary for the ambitious bank man to assume responsibility. This means to take his task seriously and to devote to it his full energy and attention. Men cannot advance without assuming responsibility. What this means may be made clear in several ways. First, the man who assumes responsibility prepares himself for the job just above his present job, after he has mastered his present job. Then, when illness or vacancy occurs, the work of the bank can go forward and he can be advanced. Second, the man who assumes responsibility never relies on some superior officer to see that a thing is correct. He finds the error himself, or assures himself that everything is correct and in order. When you are asked to check some figures, or to prove some figures, assume responsibility and locate the difficulty. Proving is not performed for the purpose of providing clerks with work, but to check up a difference between the bank departments or to correct some customer's error. Third, learn the art of concentration. This means to become so interested in the task at hand and so determined to see it done correctly that all else is for the time forgotten.