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Thomas Bernard was born in Lincolnshire in 1750. He was brought up partly in North America, where his father was colonial governor of Massachusetts, and educated at school in New Jersey and at Harvard University. Returning to England as a young man, he studied law at the Middle Temple and was called to the bar in 1780. Bernard gained a fortune through his legal career and marriage to an heiress and devoted much of his life to philanthropy. He was a governor and treasurer of the London Foundling Hospital and much concerned with improving the conditions of child labourers. He was active in the debate over poor law reform and campaigned against the tax on salt. Much of his work was driven by his evangelical Christian beliefs. Bernard succeeded his brother to the baronetcy in 1810. After his death in 1818 he was buried beneath the Foundling Hospital chapel. His nephew, the Rev James Baker, was his biographer. The author Frances Elizabeth King was his sister.