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John James Audubon, nineteenth-century artist and naturalist, is known as one of the foremost authorities on North American birds. Born in Les Cayes, Haiti, in 1785, Audubon was raised in France and studied art under French artist Jacques-Louis David. After settling on his father's Line Pennsylvania estate at the age of eighteen, he first began to study and paint birds.

In his young adulthood, Audubon undertook numerous enterprises, generally without a tremendous amount of success; at various times during his life he was involved in a mercantile business, a lumber and grist mill, a taxidermy business, and a school. His general mode of operating a business was to leave it either unattended or in the hands of a partner and take off on excursions through the wilds to paint the natural life that he saw. His business career came to end in 1819 when he was jailed for debt and forced to file for bankruptcy.

It was at that time that Audubon began seriously to pursue the dream of publishing a collection of his paintings of birds. For the next six years he painted birds in their natural habitats while his wife worked as a teacher to support the family. His Birds of America, which included engravings of 435 of his colorful and lifelike water colors, was published in parts during the period from 1826 to 1838 in England. After the success of the English editions, American editions of his work were published in 1839, and his fame and fortune were ensured.

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.

It is commonly believed in the United States that school is where people go to get an education. Nevertheless, it has been said that today children interrupt their education to go to school. The distinction between schooling and education implied by this remark  is important.

 Education is much more open-ended and all-inclusive than schooling. Education knows no bounds. It can take place anywhere, whether in the shower or on the job, whether in a kitchen or on a tractor. It includes both the formal learning that takes place in schools and the whole universe of informal learning. The agents of education can range from a revered grandparent to the people debating politics on the radio, from a  child to a distinguished scientist. Whereas schooling has a certain predictability, education quite often produces surprises. A chance conversation with a stranger may lead a person to discover how little is known of other religions. People are engaged in education from infancy on. Education, then, is a very broad, inclusive term. It is a lifelong process, a process that starts long before the start of school, and one that  should be an integral part of one's entire life.

Schooling, on the other hand, is a specific, formalized process, whose general pattern varies little from one setting to the next. Throughout a country, children arrive at school at approximately the same time, take assigned seats, are taught by an adult, use similar textbooks, do homework, take exams, and so on. The slices of reality that  are to be learned, whether they are the alphabet or an understanding of the workings of government, have usually been limited by the boundaries of the subject being taught.

For example, high school students know that they are not likely to find out in their classes the truth about political problems in their communities or what the newest filmmakers are experimenting with. There are definite conditions surrounding the  formalized process of schooling.

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 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.