housing landlords was the dominant tenure. P. Kemp says this was usually of advantage to tenants. People moved in so rapidly that there was not enough capital to build adequate housing for everyone, so low income newcomers squeezed into increasingly overcrowded slums. Clean water, sanitation, and public health facilities were inadequate; the death rate was high, especially infant mortality, and tuberculosis among young adults. Cholera from polluted water and typhoid were endemic. Unlike rural areas, there were no famines such as the one which devastated Ireland in the 1840s. Poverty 19th-century Britain saw a huge population increase accompanied by rapid urbanisation stimulated by the Industrial Revolution. Wage rates improved steadily; real wages (after taking inflation into account) were 65 percent higher in 1901, compared to 1871. Much of the money was saved, as the number of depositors in savings banks rose from 430,000 in 1831, to 5.2 million in 1887, and their deposits from £14 million to over £90 million. People flooded into industrial areas and commercial cities faster than housing could be built, resulting in overcrowding and lagging sanitation facilities such as fresh water and sewage. These problems were magnified in London, where the population grew at record rates. Large houses were turned into flats and tenements, and as landlords failed to maintain these dwellings, slum housing developed. Kellow Chesney described the situation as follows: "Hideous slums, some of them acres wide, some no more than crannies of obscure misery, make up a substantial part of the metropolis... In big, once handsome houses, thirty or more people of all ages may inhabit a single room." Significant changes happened in the British Poor Law system in England and Wales, Scotland, and Ireland. These included a large expansion in workhouses (or poorhouses in Scotland), although with changing populations during the era. Child labour The early Victorian era before the reforms of the 1840s became notorious for the employment of young children in factories and mines and as chimney sweeps. Child labour played an important role in the Industrial Revolution from its outset: novelist Charles Dickens, for example, worked at the age of 12 in a blacking factory, with his family in a debtors' prison. Reformers wanted the children in school: in 1840 only about 20 percent of the children in London had any schooling. By the 1850s, around half of the children in England and Wales were in school (not including