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In the United States in the early 1800's, individual state governments had more effect on the economy than did the federal government. States chartered manufacturing, banking, mining, and transportation firms and participated in the construction of various internal improvements such as canals, turnpikes, and railroads.  The states encouraged internal improvements in two distinct ways; first, by actually establishing state companies to build such improvement; second, by providing part of the capital for mixed public-private companies setting out to make a profit.

In the early nineteenth century, state governments also engaged in a surprisingly large amount of direct regulatory activity, including extensive licensing and inspection  programs. Licensing targets reflected both similarities in and differences between the economy of the nineteenth century and that of today: in the nineteenth century, state regulation through licensing fell especially on peddlers, innkeepers, and retail merchants of various kinds. The perishable commodities of trade generally came under state inspection, and such important frontier staples as lumber and gunpowder were  also subject to state control. Finally, state governments experimented with direct labor and business regulation designed to help the individual laborer or consumer, including setting maximum limits on hours of work and restrictions on price-fixing by businesses.

Although the states dominated economic activity during this period, the federal government was not inactive. Its goals were the facilitation of western settlement and  the development of native industries. Toward these ends the federal government pursued several courses of action. It established a national bank to stabilize banking activities in the country and, in part, to provide a supply of relatively easy money to the frontier, where it was greatly needed for settlement. It permitted access to public western lands on increasingly easy terms, culminating in the Homestead Act of 1862,  by which title to land could be claimed on the basis of residence alone. Finally, it set up a system of tariffs that was basically protectionist in effect, although maneuvering for position by various regional interests produced frequent changes in tariff rates throughout the nineteenth century.

The hippopotamus is the third largest land animal, smaller only than the elephant and the rhinoceros. Its name comes from two Greek words which mean "river horse." The long name of this animal is often shortened to the easier to handle term "hippo."

The hippo has a natural affinity for the water. It does not float on top of the water; instead, it can easily walk along the bottom of a body of water. The hippo commonly remains underwater for three to five minutes and has been known to stay under for up to half an hour before coming up for air.

In spite of its name, the hippo has relatively little in common with the horse and instead has a number of interesting similarities in common with the whale. When a hippo comes up after a stay at the bottom of a lake or river, it releases air through a blowhole, just like a whale. In addition, the hippo resembles the whale in that they both have thick layers of blubber for protection and they are almost completely hairless.

The organization that today is known as the Bank of America did start out in America, but under quite a different name. Italian American A.P. Giannini established this bank on October 17, 1904, in a renovated saloon in San Francisco’s Italian community of North Beach under the name Bank of Italy, with immigrants and first-time bank customers comprising the majority of his first customers. During its development, Giannini’s bank survived major crises in the form of a natural disaster and a major economic upheaval that not all other banks were able to overcome.

One major test for Giannini’s bank occurred on April 18, 1906, when a massive earthquake struck San Francisco, followed by a raging fire that destroyed much of the city. Giannini obtained two wagons and teams of horses, filled the wagons with the bank’s reserves, mostly in the form of gold, covered the reserves with crates of oranges, and escaped from the chaos of the city with his clients’ funds protected. In the aftermath of the disaster, Giannini’s bank was the first to resume operations. Unable to install the bank in a proper office setting, Giannini opened up shop on the Washington Street Wharf on a makeshift desk created from boards and barrels.

In the period following the 1906 fire, the Bank of Italy continued to prosper and expand. By 1918 there were twenty-four branches of the Bank of Italy, and by 1928 Giannini had acquired numerous other banks, including a Bank of America located in New York City. In 1930 he consolidated all the branches of the Bank of Italy, the Bank of America in New York City, and another Bank of America that he had formed in California into the Bank of America National Trust and Savings Association.

A second major crisis for the bank occurred during the Great Depression of the 1930s. Although Giannini had already retired prior to the darkest days of the Depression, he became incensed when his successor began selling off banks during the bad economic times. Giannini resumed leadership of the bank at the age of sixty-two. Under Giannini’s leadership, the bank weathered the storm of the Depression and subsequently moved into a phase of overseas development.

The hard, rigid plates that form the outermost portion of the Earth are about 100 kilometers thick. These plates include both the Earth's crust and the upper mantle.

The rocks of the crust are composed mostly of minerals with light elements, like aluminum and sodium, while the mantle contains some heavier elements, like iron and  magnesium. Together, the crust and upper mantle that form the surface plates are called the lithosphere. This rigid layer floats on the denser material of the lower mantle the way a wooden raft floats on a pond. The plates are supported by a weak, plastic layer of the lower mantle called the asthenosphere. Also like a raft on a pond, the lithospheric plates are carried along by slow currents in this more fluid layer beneath  them.

With an understanding of plate tectonics, geologists have put together a new history for the Earth's surface. About 200 million years ago, the plates at the Earth's surface formed a “supercontinent” called Pangaea. When this supercontinent started to tear apart because of plate movement, Pangaea first broke into two large continental masses  with a newly formed sea that grew between the land areas as the depression filled with water. The southern one — which included the modern continents of South America, Africa, Australia, and Antarctica — is called Gondwanaland. The northern one — with North America, Europe, and Asia — is called Laurasia. North America tore away from Europe about 180 million years ago, forming the northern Atlantic Ocean.

 Some of the lithospheric plates carry ocean floor and others carry land masses or a combination of the two types. The movement of the lithospheric plates is responsible for earthquakes, volcanoes, and the Earth's largest mountain ranges. Current understanding of the interaction between different plates explains why these occur where they do. For example, the edge of the Pacific Ocean has been called the “Ring  of Fire” because so many volcanic eruptions and earthquakes happen there. Before the 1960's, geologists could not explain why active volcanoes and strong earthquakes were concentrated in that region. The theory of plate tectonics gave them an answer.

The ability of falling cats to right themselves in midair and land on their feet has been a source of wonder for ages. Biologists long regarded it as an example of adaptation by natural selection, but for physicists it bordered on the miraculous.

Newton's laws of motion assume that the total amount of spin of a body cannot change  unless an external torque speeds it up or slows it down. If a cat has no spin when it is released and experiences no external torque, it ought not to be able to twist around as it falls.

In the speed of its execution, the righting of a tumbling cat resembles a magician's trick. The gyrations of the cat in midair are too fast for the human eye to follow, so the  process is obscured. Either the eye must be speeded up, or the cat's fall slowed down for the phenomenon to be observed. A century ago the former was accomplished by means of high-speed photography using equipment now available in any pharmacy. But in the nineteenth century the capture on film of a falling cat constituted a scientific experiment.

 The experiment was described in a paper presented to the Paris Academy in 1894. Two sequences of twenty photographs each, one from the side and one from behind, show a white cat in the act of righting itself. Grainy and quaint though they are, the photos show that the cat was dropped upside down, with no initial spin, and still landed on its feet. Careful analysis of the photos reveals the secret. As the cat rotates the front  of its body clockwise, the rear and tail twist counterclockwise, so that the total spin remains zero, in perfect accord with Newton's laws. Halfway down, the cat pulls in its legs before reversing its twist and then extends them again, with the desired end result. The explanation was that while no body can acquire spin without torque, a flexible one can readily change its orientation, or phase. Cats know this instinctively, but scientists  could not be sure how it happened until they increased the speed of their perceptions a thousandfold.