Hi, My father (Joseph Hanson Reynolds) was born in Manningham in 1877, his father was a successful Stuff Merchant and Insurance agent and the large family lived quite comfortably. About 50 years ago dad told me that his family fell on hard times following a "bank crash" in the 1890s. I have not been able to identify any "bank crash" that he could have referred to. I do know, however, that his parents ran a penny bank for the poor, is it possible that it was this that he refered to Can anyone advise me on an event that could be described as a bank crash at this time. Thanks, Don in Oz