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" ... Brooks: What was true in the Civil War and true during the Spanish Flu and true in the Great Depression, has also been true here. We have always looked to the banking system and the availability of credit as a way out of crisis. The reason the OCC was founded and the national banking system was created was because of the belief that if we had this decentralized network of credit providers in localities all around the country that it would make it easier for us to win the Civil War and move forward as a country. ... "
" ... Figure 4. (a) Geographical distribution of species of Paracentropyge. Known localities of hybrids ... [+] are indicated by closed stars. Overlapping regions between species are denoted by coloured gradients. The Kuroshio Triangle sensu Chen & Shashank is loosely reconstructed and represented by the dashed triangle. (b) Phylogenetic relationships and median-joining haplotype network among species of Paracentropyge based on mitochondrial COI. Phylogenetic relationships were inferred using maximum likelihood and Bayesian inference. Numbers at nodes indicate posterior probabilities and likelihood bootstrap support. Haplotypes of hybrids are indicated in light blue. Median-joining haplotype networks are also presented for (c) RAG2, (d) S7 and (e) TMO-4C4. Each circle represents a haplotype and its size is proportional to its total frequency. Unless specifically stated, black crossbars represent a single nucleotide change. In the haplotype networks for RAG2, two haplotypes are presented for the single hybrid examined, corresponding to alleles inherited from each parent. Sites that displayed ambiguous bases in the sequence of one or more non-hybrid individuals were removed from alignments prior to network construction, and a single haplotype consensus sequence per individual was used. Each network is, therefore, an underestimation of the true haplotype diversity at each nuclear locus for the parent species. Photographs of angelfishes from top to bottom by: H. Senou, Y.-K.T., J. T. Williams and Y.-K.T. (doi:10.1098/rspb.2020.1459) ... "
" ... In addition, GAO says many states and localities set and enforce their own wage and hour requirements, which may provide more, but not less, protection than the federal law. ... "
" ... “There are [eviction] cases stacked up in communities across the country that landlords and the courts could move quickly on if states and localities are not able to deliver assistance as promptly as people need it,” said Doug Donovan, a housing specialist at the Center on Budget and Policy Priorities. ... "
" ... “Without an extension at the end of January there certainly could be an uptick in evictions,” said Donovan. “There are [eviction] cases stacked up in communities across the country that landlords and the courts could move quickly on if states and localities are not able to deliver assistance as promptly as people need it.” ... "