title: Religion in Spain

text: In the Early Modern Period, the Crown saw itself as the bulwark of Catholicism and doctrinal purity. Catholicism was introduced in the New World and the Philippines under Spanish colonialism, but the monarchs insisted on independence from papal "interference". Bishops were forbidden to report to the Pope except through the Crown. In 1767, under the Bourbon dynasty, the Crown banished the Jesuits from the Spanish Empire. The Inquisition was ended for good in the 1830s. Religious freedom continued to be denied in practice, if not in theory.


title: Religion in Spain

text: Catholicism became the state religion in 1851, when the Spanish government signed a Concordat with the Holy See that committed Madrid to pay the salaries of the clergy and to subsidize other expenses of the Roman Catholic Church as a compensation for the seizure of church property in the "Desamortización de Mendizábal" of 1835–1837. This pact was renounced in 1931, when the secular constitution of the Second Spanish Republic imposed a series of secularist measures that threatened the Church's hegemony in Spain, provoking the Church's support for the Francisco Franco uprising five years later. In the ensuing Civil War, alleged communists and anarchists in Republican areas killed about 7,000 priests, the majority murdered between July and December 1936. Over four thousand were diocesan priests, as well as 13 bishops, and 2,365 male regulars or religious priests. On the other hand, the small protestan minority was harshly persecuted by the "national" side, most churches were closed and many priests and religious figures were jailed or killed.


title: Religion in Spain

text: On 9 December 1931, the Spanish Constitution of 1931 established a secular state and freedom of religion in the Second Spanish Republic. It would remain in effect until 1 April 1939.


title: Religion in Spain

text: The advent of the Francoist dictatorship saw the restoration of the church's privileges, pursuant to the ideological tenets of National Catholicism. While in agreement with the Catholic doctrine in regards of the opposition to sterilization and euthanasia, the regime, imbued of a "deeply Catholic" approach, advocated for "environmental eugenics" instead, enforcing coercive measures justifying the repression, segregation and elimination of its political enemies, otherwise overlapping with a racial discourse that identified the decline of the Spanish race with republican policies and ideology. Roman Catholicism was the only religion to have legal status; other worship services could not be advertised, and no other religion could own property or publish books. The Government not only continued to pay priests' salaries and to subsidize the Church, it also assisted in the reconstruction of church buildings damaged by the war. Laws were passed abolishing divorce and civil marriages as well as banning abortion and the sale of contraceptives. Homosexuality and all other forms of sexual permissiveness were also banned. Catholic religious instruction was mandatory, even in public schools. Franco secured in return the right to name Roman Catholic bishops in Spain, as well as veto power over appointments of clergy down to the parish priest level.


title: Religion in Spain

text: In 1953 this close cooperation was formalized in a new Concordat with the Vatican that granted the church an extraordinary set of privileges: mandatory canonical marriages for all Catholics; exemption from government taxation; subsidies for new building construction; censorship of materials the Church deemed offensive; the right to establish universities, to operate radio stations, and to publish newspapers and magazines; protection from police intrusion into church properties; and exemption of military service.


title: Religion in Spain

text: The proclamation of the Second Vatican Council in favor of religious freedom in 1965 provided more rights to other religious denominations in Spain. In the late 1960s, the Vatican attempted to reform the Church in Spain by appointing interim, or acting, bishops, thereby circumventing Franco's stranglehold on the country's clergy. Many young priests, under foreign influence, became worker priests and participated in anti-regime agitation. Many of them ended as leftist politicians, with some imprisoned in the Concordat prison reserved for priest prisoners. In 1966, the Franco regime passed a law that freed other religions from many of the earlier restrictions, but the law also reaffirmed the privileges of the Catholic Church. Any attempt to revise the 1953 Concordat met Franco's rigid resistance.


title: Religion in Spain

text: In 1976, however, King Juan Carlos de Borbon unilaterally renounced the right to name the bishops; later that year, Madrid and the Vatican signed a new accord that restored to the church its right to name bishops, and the Church agreed to a revised Concordat that entailed a gradual financial separation of church and state. Church property not used for religious purposes was henceforth to be subject to taxation, and over a period of years the Church's reliance on state subsidies was to be gradually reduced. The timetable for this reduction was not adhered to, however, and the church continued to receive the public subsidy through 1987 (US$110 million in that year alone).


title: Religion in Spain

text: It took the new 1978 Spanish Constitution to confirm the right of Spaniards to religious freedom and to begin the process of disestablishing Catholicism as the state religion. The drafters of the Constitution tried to deal with the intense controversy surrounding state support of the Church, but they were not entirely successful. The initial draft of the Constitution did not even mention the Church, which was included almost as an afterthought and only after intense pressure from the church's leadership. Article 16 disestablishes Roman Catholicism as the official religion and provides that religious liberty for non-Catholics is a state-protected legal right, thereby replacing the policy of limited toleration of non-Catholic religious practices. The article further states, however, that: "The public authorities shall take the religious beliefs of Spanish society into account and shall maintain the consequent relations of cooperation with the Catholic Church and the other confessions." In addition, Article 27 also aroused controversy by appearing to pledge continuing government subsidies for private, Church-affiliated schools. These schools were sharply criticized by Spanish Socialists for having created and perpetuated a class-based, separate, and unequal school system. The Constitution, however, includes no affirmation that the majority of Spaniards are Catholics or that the state should take into account the teachings of Catholicism. The Constitution declares Spain a "non-confessional" state, however it is not a secular state like France or Mexico.


title: Religion in Spain

text: Government financial aid to the Catholic Church was a difficult and contentious issue. The Church argued that, in return for the subsidy, the state had received the social, health, and educational services of tens of thousands of priests and nuns who fulfilled vital functions that the state itself could not have performed at that time. Nevertheless, the revised Concordat was supposed to replace direct state aid to the church with a scheme that would allow taxpayers to designate a certain portion of their taxes to be diverted directly to the Church. Through 1985, taxpayers were allowed to deduct up to 10 percent from their taxable income for donations to the Catholic Church. Partly because of the protests against this arrangement from representatives of Spain's other religious groups and even from some Catholics, the tax laws were changed in 2007 so that taxpayers could choose between giving 0.52 percent of their income tax to the church and allocating it to the government's welfare and culture budgets. For three years, the government would continue to give the Church a gradually reduced subsidy, but after that the church would have to subsist on its own resources. The government would continue, however, its program of subsidizing Catholic schools, which in 1987 cost the Spanish taxpayers about US$300 million exclusive of the salaries of teachers, which were paid directly by the Ministry of Education and Science.


title: Religion in Spain

text: In a population of about 39 million at the beginning of Transition (begun in November 1975), the number of non-Catholics was probably no more than 300,000. About 290,000 of these were of other Christian faiths, including several Protestant denominations, Jehovah's Witnesses, and members of The Church of Jesus Christ of Latter-day Saints. The number of Jews in Spain was estimated at 13,000 in the Murcia Jewish community. More than 19 out of every 20 Spaniards were baptized Catholics; about 60 percent of them attended Mass; about 30 percent of the baptized Catholics did so regularly, although this figure declined to about 20 percent in the larger cities. In 1979, about 97 percent of all marriages were performed according to the Catholic rite. A 1982 report by the church claimed that 82 percent of all children born the preceding year had been baptized in the church.


title: Religion in Spain

text: Nevertheless, there were forces at work bringing about fundamental changes in the place of the church in society. One such force was the improvement in the economic fortunes of the great majority of Spaniards, making society more materialistic and less religious. Another force was the massive shift in population from farm and village to the growing urban centers, where the church had less influence over the values of its members. These changes were transforming the way Spaniards defined their religious identity.


title: Religion in Spain

text: Being a Catholic in Spain had less and less to do with regular attendance at Mass and more to do with the routine observance of important rituals such as baptism, marriage, and burial of the dead. A 1980 survey revealed that, although 82 percent of Spaniards were believers in Catholicism, very few considered themselves to be very good practitioners of the faith. In the case of the youth of the country, even smaller percentages believed themselves to be "very good" or "practicing" Catholics.


title: Religion in Spain

text: In contrast to an earlier era, when rejection of the church went along with education, in the late 1980s studies showed that the more educated a person was, the more likely he or she was to be a practicing Catholic. This new acceptance of the church was due partly to the church's new self-restraint in politics. In a significant change from the pre-Civil War era, the church had accepted the need for the separation of religion and the state, and it had even discouraged the creation of a Christian Democratic party in the country.


title: Religion in Spain

text: The traditional links between the political right and the church no longer dictated political preferences; in the 1982 general election, more than half of the country's practicing Catholics voted for the Spanish Socialist Workers' Party. Although the Socialist leadership professed agnosticism, according to surveys between 40 and 45 percent of the party's rank-and-file members held religious beliefs, and more than 70 percent of these professed to be Catholics. Among those entering the party after Franco's death, about half considered themselves Catholic.


title: Religion in Spain

text: One important indicator of the changes taking place in the role of the church was the reduction in the number of Spaniards in Holy Orders. In 1984 the country had more than 22,000 parish priests, nearly 10,000 ordained monks, and nearly 75,000 nuns. These numbers concealed a troubling reality, however. More than 70 percent of the diocesan clergy was between the ages of 35 and 65; the average age of the clergy in 1982 was 49 years. At the upper end of the age range, the low numbers reflected the impact of the Civil War, in which more than 4,000 parish priests died. At the lower end, the scarcity of younger priests reflected the general crisis in vocations throughout the world, which began to be felt in the 1960s. Its effects were felt very acutely in Spain. The crisis was seen in the decline in the number of young men joining the priesthood and in the increase in the number of priests leaving Holy Orders. The number of seminarians in Spain fell from more than 9,000 in the 1950s to only 1,500 in 1979, even though it rose slightly in 1982 to about 1,700. In 2008, there were just 1,221 students in these theological schools.


title: Religion in Spain

text: Changes in the social meaning of religious vocations were perhaps part of the problem; having a priest in the family no longer seemed to spark the kind of pride that family members would have felt in the past. The principal reason in most cases, though, was the church's continued ban on marriage for priests. Previously, the crisis was not particularly serious because of the age distribution of the clergy. As the twentieth century neared an end, however, a serious imbalance appeared between those entering the priesthood and those leaving it. The effects of this crisis were already visible in the decline in the number of parish priests in Spain—from 23,620 in 1979 to just over 22,000 by 1983 and 19,307 in 2005. New ordinations also dropped 19% from 241 in 1998 to 196 in 2008, with all-time record lows of 168 priests out of 45 million Spaniards taking their vows in 2007. The number of nuns shrank 6.9% to 54,160 in the period 2000-2005 as well. On 21 August 2005, Evans David Gliwitzki became the first Catholic priest to get married in Spain.


title: Religion in Spain

text: Another sign of the church's declining role in Spanish life was the diminishing importance of the controversial secular religious institute Opus Dei (Work of God). Opus Dei, a worldwide lay religious body, did not adhere to any particular political philosophy. Its founder, Jose Maria Escriva de Balaguer y Albas, stated that the organization was nonpolitical. The organization was founded in 1928 as a reaction to the increasing secularization of Spain's universities, and higher education continued to be one of the institute's foremost priorities. Despite its public commitment to a nonpolitical stance, Opus Dei members rose to occupy key positions in the Franco régime, especially in the field of economic policy-making in the late 1950s and the early 1960s. Opus Dei members dominated the group of liberal technocrats who engineered the opening of Spain's autarchic economy after 1957. After the 1973 assassination of Prime Minister Luis Carrero Blanco (often rumored to be an Opus Dei member), however, the influence of the institute declined sharply. The secrecy of the order and its activities and the power of its myth helped it maintain its strong position of influence in Spain; but there was little doubt that, compared with the 1950s and the 1960s, Opus Dei had fallen from being one of the country's chief political organizations to being simply one among many such groups competing for power in an open and pluralist society.


title: Religion in Spain

text: An important number of Latin American immigrants, who are usually strong Catholic practitioners, have helped the Catholic Church to recover part of the attendance that regular Masses (Sunday Mass) used to have in the sixties and seventies and that was lost in the eighties among native Spaniards.


title: Religion in Spain

text: Since 2003, the involvement of the Catholic Church in political affairs, through special groups such as Opus Dei, the Neocatechumenal Way or the Legion of Christ, especially personated through important politicians in the right-wing People's Party, has increased again. Old and new media, which are property of the Church, such as the COPE radio network or , have also contributed to this new involvement in politics by their own admission. The Church is no longer seen as a neutral and independent institution in political affairs and it is generally aligned with the opinion and politics of the People's Party. This implication has had, as a consequence, a renewed criticism from important sectors of the population (especially the majority of left-wing voters) against the Church and the way in which it is economically sustained by the State. While by 2017-2018 the Church was slowly backpedaling, the damage is potentially long-lasting among the younger generations who had not experienced it personally to such a degree.


title: Religion in Spain

text: The total number of parish priests shrank from 24,300 in 1975 to 18,500 in 2018 when the average age was 65.5 years. The number of nuns dropped by 44.5% to 32,270 between 2000 and 2016; most of them are old. By contrast, some expressions of popular religiosity still thrive, often linked to local festivals, and about 68.5% of the population self-defined themselves as Catholics in 2018, but just 39.8% of them (27.3% of the total population) attend Mass monthly or more often. Despite the arrival of large numbers of Catholic, Orthodox, Muslim and Protestant immigrants, irreligion continues to be the fastest growing demographic .


title: Hamilton family

text: The Hamiltons of the United States are a family of Scottish origin, whose most prominent member was Alexander Hamilton (1755/57–1804), one of the Founding Fathers of the United States. Their ancestors and relations in Scotland included the Lairds of Kerelaw Castle in Stevenston, North Ayrshire, of the Cambuskeith branch of Clan Hamilton.


title: Hamilton family

text: The paternal lineage of American founding father Alexander Hamilton was rooted in Scotland, where his relations were landed gentry known as the Hamiltons of Grange.


title: Hamilton family

text: The Hamiltons of Grange descended from Walter de Hamilton, founder of the Cambuskeith branch of Clan Hamilton, who held lands in Edinburgh by a charter from Robert III of Scotland given between 1390 and 1406. The last Laird of the Hamiltons of Grange, who held the title from 1774 until his death in 1837, was Alexander Hamilton's first cousin, also named Alexander.


title: Hamilton family

text: James Alexander Hamilton was born in Ayrshire, Scotland in 1718. He was the fourth son of Laird Alexander Hamilton of Grange. His mother, Elizabeth Pollock, was the eldest daughter of Sir Robert Pollock, 1st Baronet of Pollock. With little prospect of an inheritance in Scotland, James moved to the West Indies to become a merchant and businessman on the island of Saint Kitts. He and Rachel Faucette (who was of English and French descent), became the parents, out of wedlock, of Alexander Hamilton and his older brother James Hamilton Jr.


title: Hamilton family

text: Alexander Hamilton moved in October 1772 to the Thirteen Colonies (later the United States) to earn an education. He later became the aide-de-camp to General George Washington and first Secretary of the Treasury. He married Elizabeth Schuyler, who was the daughter of Philip Schuyler and Catherine Van Rensselaer, both members of prominent Dutch-American families, the Schuyler and Van Rensselaer families. Elizabeth and Alexander Hamilton were married on December 14, 1780, at the Schuyler Mansion in Albany, New York. They went on to have eight children, thus establishing the Hamilton family in the United States.


title: Hamilton family

text: The following list, organized by generation, begins with the establishment of Alexander Hamilton's family. It selectively includes notable descendants of Alexander and Eliza Hamilton.


title: Hamilton family

text: The following partial family tree begins with the paternal grandfather of Alexander Hamilton, and includes both Scottish and American family members.


title: Factoring (finance)

text: Factoring is a financial transaction and a type of debtor finance in which a business "sells" its accounts receivable (i.e., invoices) to a third party (called a factor) at a discount. A business will sometimes factor its receivable assets to meet its present and immediate cash needs. Forfaiting is a factoring arrangement used in international trade finance by exporters who wish to sell their receivables to a forfaiter. Factoring is commonly referred to as accounts receivable factoring, invoice factoring, and sometimes accounts receivable financing. Accounts receivable financing is a term more accurately used to describe a form of asset based lending against accounts receivable. The Commercial Finance Association is the leading trade association of the asset-based lending and factoring industries.


title: Factoring (finance)

text: In the United States, Factoring is not the same as "invoice discounting" (which is called an "assignment of accounts receivable" in American accounting – as propagated by FASB within GAAP). Factoring is the "sale" of receivables, whereas invoice discounting ("assignment of accounts receivable" in American accounting) is a "borrowing" that involves the use of the accounts receivable assets as collateral for the loan. However, in some other markets, such as the UK, invoice discounting is considered to be a form of factoring, involving the "assignment of receivables", that is included in official factoring statistics. It is therefore also not considered to be borrowing in the UK. In the UK the arrangement is usually confidential in that the debtor is not notified of the assignment of the receivable and the seller of the receivable collects the debt on behalf of the factor. In the UK, the main difference between factoring and invoice discounting is confidentiality. Scottish law differs from that of the rest of the UK, in that notification to the account debtor is required for the assignment to take place. The Scottish Law Commission reviewed this position and made proposals to the Scottish Ministers in 2018.


title: Factoring (finance)

text: There are three parties directly involved: the "factor" who purchases the receivable, the one who sells the receivable, and the debtor who has a financial liability that requires him or her to make a payment to the owner of the invoice. The receivable, usually associated with an invoice for work performed or goods sold, is essentially a financial asset that gives the owner of the receivable the legal right to collect money from the debtor whose financial liability directly corresponds to the receivable asset. The seller "sells" the receivables at a discount to the third party, the specialized financial organization (aka the factor) to obtain cash. This process is sometimes used in manufacturing industries when the immediate need for raw material outstrips their available cash and ability to purchase "on account". Both invoice discounting and "factoring" are used by B2B companies to ensure they have the immediate cash flow necessary to meet their current and immediate obligations. Invoice factoring is not a relevant financing option for retail or B2C companies because they generally do not have business or commercial clients, a necessary condition for factoring.


title: Factoring (finance)

text: The "sale" of the receivable transfers ownership of the receivable to the factor, indicating the factor obtains all of the rights associated with the receivables. Accordingly, the receivable becomes the factor's asset, and the factor obtains the right to receive the payments made by the debtor for the invoice amount, and is free to pledge or exchange the receivable asset without unreasonable constraints or restrictions. Usually, the account debtor is notified of the sale of the receivable, and the factor bills the debtor and makes all collections; however, non-notification factoring, where the client (seller) collects the accounts sold to the factor, as agent of the factor, also occurs. The arrangement is usually confidential in that the debtor is not notified of the assignment of the receivable and the seller of the receivable collects the debt on behalf of the factor. If the factoring transfers the receivable "without recourse", the factor (purchaser of the receivable) must bear the loss if the account debtor does not pay the invoice amount. If the factoring transfers the receivable "with recourse", the factor has the right to collect the unpaid invoice amount from the transferor (seller). However, any merchandise returns that may diminish the invoice amount that is collectible from the accounts receivable are typically the responsibility of the seller, and the factor will typically hold back paying the seller for a portion of the receivable being "sold" (the "factor's holdback receivable") in order to cover the merchandise returns associated with the factored receivables until the privilege to return the merchandise expires.


title: Factoring (finance)

text: There are four principal parts to the factoring transaction, all of which are recorded separately by an accountant who is responsible for recording the factoring transaction:


title: Factoring (finance)

text: Factoring is a method used by some firms to obtain cash. Certain companies factor accounts when the available cash balance held by the firm is insufficient to meet current obligations and accommodate its other cash needs, such as new orders or contracts; in other industries, however, such as textiles or apparel, for example, financially sound companies factor their accounts simply because this is the historic method of financing. The use of factoring to obtain the cash needed to accommodate a firm's immediate cash needs will allow the firm to maintain a smaller ongoing cash balance. By reducing the size of its cash balances, more money is made available for investment in the firm's growth.


title: Factoring (finance)

text: Debt factoring is also used as a financial instrument to provide better cash flow control especially if a company currently has a lot of accounts receivables with different credit terms to manage. A company sells its invoices at a discount to their face value when it calculates that it will be better off using the proceeds to bolster its own growth than it would be by effectively functioning as its "customer's bank." Accordingly, factoring occurs when the rate of return on the proceeds invested in production exceed the costs associated with factoring the receivables. Therefore, the trade-off between the return the firm earns on investment in production and the cost of utilizing a factor is crucial in determining both the extent factoring is used and the quantity of cash the firm holds on hand.


title: Factoring (finance)

text: Many businesses have cash flow that varies. It might be relatively large in one period, and relatively small in another period. Because of this, businesses find it necessary to both maintain a cash balance on hand, and to use such methods as factoring, in order to enable them to cover their short term cash needs in those periods in which these needs exceed the cash flow. Each business must then decide how much it wants to depend on factoring to cover short falls in cash, and how large a cash balance it wants to maintain in order to ensure it has enough cash on hand during periods of low cash flow.


title: Factoring (finance)

text: Generally, the variability in the cash flow will determine the size of the cash balance a business will tend to hold as well as the extent it may have to depend on such financial mechanisms as factoring. Cash flow variability is directly related to two factors:


title: Factoring (finance)

text: If cash flow can decrease drastically, the business will find it needs large amounts of cash from either existing cash balances or from a factor to cover its obligations during this period of time. Likewise, the longer a relatively low cash flow can last, the more cash is needed from another source (cash balances or a factor) to cover its obligations during this time. As indicated, the business must balance the opportunity cost of losing a return on the cash that it could otherwise invest, against the costs associated with the use of factoring.


title: Factoring (finance)

text: The cash balance a business holds is essentially a demand for transactions money. As stated, the size of the cash balance the firm decides to hold is directly related to its unwillingness to pay the costs necessary to use a factor to finance its short term cash needs. The problem faced by the business in deciding the size of the cash balance it wants to maintain on hand is similar to the decision it faces when it decides how much physical inventory it should maintain. In this situation, the business must balance the cost of obtaining cash proceeds from a factor against the opportunity cost of the losing the Rate of Return it earns on investment within its business. The solution to the problem is:


title: Factoring (finance)

text: Today factoring's rationale still includes the financial task of advancing funds to smaller rapidly growing firms who sell to larger more credit-worthy organizations. While almost never taking possession of the goods sold, factors offer various combinations of money and supportive services when advancing funds.


title: Factoring (finance)

text: Factors often provide their clients four key services: information on the creditworthiness of their prospective customers domestic and international, and, in nonrecourse factoring, acceptance of the credit risk for "approved" accounts; maintain the history of payments by customers (i.e., accounts receivable ledger); daily management reports on collections; and, make the actual collection calls. The outsourced credit function both extends the small firms effective addressable marketplace and insulates it from the survival-threatening destructive impact of a bankruptcy or financial difficulty of a major customer. A second key service is the operation of the accounts receivable function. The services eliminate the need and cost for permanent skilled staff found within large firms. Although today even they are outsourcing such back-office functions. More importantly, the services insure the entrepreneurs and owners against a major source of a liquidity crises and their equity.


title: Factoring (finance)

text: The factoring process can be broken up into two parts: the initial account setup and ongoing funding. Setting up a factoring account typically takes one to two weeks and involves submitting an application, a list of clients, an accounts receivable aging report and a sample invoice. The approval process involves detailed underwriting, during which time the factoring company can ask for additional documents, such as documents of incorporation, financials, and banks statements. If approved, the business will be set up with a maximum credit line from which they can draw. In the case of notification factoring, the arrangement is not confidential and approval is contingent upon successful notification; a process by which factoring companies send the business's client or account debtor a Notice of Assignment. The Notice of Assignment serves to


title: Factoring (finance)

text: Once the account is set up, the business is ready to start funding invoices. Invoices are still approved on an individual basis, but most invoices can be funded in a business day or two, as long as they meet the factor's criteria. Receivables are funded in two parts. The first part is the "advance" and covers 80% to 85% of the invoice value. This is deposited directly to the business's bank account. The remaining 15% to 20% is rebated, less the factoring fees, as soon as the invoice is paid in full to the factoring company.


title: Factoring (finance)

text: Non-recourse factoring should not be confused with making a loan. When a lender decides to extend credit to a company based on assets, cash flows, and credit history, the borrower must recognize a liability to the lender, and the lender recognizes the borrower's promise to repay the loan as an asset. Factoring without recourse is a "sale" of a financial asset (the receivable), in which the factor assumes ownership of the asset and all of the risks associated with it, and the "seller" relinquishes any title to the asset "sold". An example of factoring is the credit card. Factoring is like a credit card where the bank (factor) is buying the debt of the customer without recourse to the seller; if the buyer doesn't pay the amount to the seller the bank cannot claim the money from the seller or the merchant, just as the bank in this case can only claim the money from the debt issuer. Factoring is different from invoice discounting, which usually doesn't imply informing the debt issuer about the assignment of debt, whereas in the case of factoring the debt issuer is usually notified in what is known as notification factoring. One more difference between the factoring and invoice discounting is that in case of factoring the seller assigns all receivables of a certain buyer(s) to the factor whereas in invoice discounting the borrower (the seller) assigns a receivable balance, not specific invoices. A factor is therefore more concerned with the credit-worthiness of the company's customers. The factoring transaction is often structured as a purchase of a financial asset, namely the accounts receivable. A non-recourse factor assumes the "credit risk" that an account will not collect due solely to the financial inability of account debtor to pay. In the United States, if the factor does not assume the credit risk on the purchased accounts, in most cases a court will recharacterize the transaction as a secured loan.


title: Factoring (finance)

text: When a company decides to factors account receivables invoices to a principles factors or broker, it needs to understands the risks and rewards involved with factoring. Amount of funding can vary depending on the specific accounts receivables, debtor and industry that factoring occurs in. Factors can limit and restrict funding in such occasions where the debtor is found not credit worthy, or the invoice amount represents too big of a portion of the business's annual income. Another area of concern is when the cost of invoice factoring is calculated. It's a compound of an administration charge and interest earned overtime as the debtor takes time to repay the original invoice. Not all factoring companies charge interest over the time it takes to collect from a debtor, in this case only the administration charge needs to be taken into account although this type of facility is comparatively rare. There are major industries which stand out in the factoring industry which are:


title: Factoring (finance)

text: The discount rate is the fee a factoring company charges to provide the factoring service. Since a formal factoring transaction involves the outright purchase of the invoice, the discount rate is typically stated as a percentage of the face value of the invoices. For instance, a factoring company may charge 5% for an invoice due in 45 days. In contrast, companies that do accounts receivable financing may charge per week or per month. Thus, an invoice financing company that charges 1% per week would result in a discount rate of 6–7% for the same invoice.


title: Factoring (finance)

text: The advance rate is the percentage of an invoice that is paid out by the factoring company upfront. The difference between the face value of the invoice and the advance rates serves to protect factors against any losses and to ensure coverage for their fees. Once the invoice is paid, the factor gives the difference between the face value, advance amount and fees back to the business in the form of a factoring rebate.


title: Factoring (finance)

text: Whereas the difference between the invoice face value and the advance serves as a reserve for a specific invoice, many factors also hold an ongoing reserve account which serves to further reduce the risk for the factoring company. This reserve account is typically 10–15% of the seller's credit line, but not all factoring companies hold reserve accounts.


title: Factoring (finance)

text: While factoring fees and terms range widely, many factoring companies will have monthly minimums and require a long-term contract as a measure to guarantee a profitable relationship. Although shorter contract periods are now becoming more common, contracts and monthly minimums are typical with "whole ledger" factoring, which entails factoring all of a company's invoices or all of the company's invoices from a particular debtor.


title: Factoring (finance)

text: Spot factoring, or single invoice discounting, is an alternative to "whole ledger" and allows a company to factor a single invoice. The added flexibility for the business, and lack of predictable volume and monthly minimums for factoring providers means that spot factoring transactions usually carry a cost premium.


title: Factoring (finance)

text: In the United States, under the Generally Accepted Accounting Principles (GAAP), receivables are considered "sold", under FASB ASC 860-10 (or under Statement of Financial Accounting Standards No. 140, paragraph 112), when the buyer has "no recourse". Moreover, to treat the transaction as a sale under GAAP, the seller's monetary liability under any "recourse" provision must be readily estimated at the time of the sale. Otherwise, the financial transaction is treated as a secured loan, with the receivables used as collateral.


title: Factoring (finance)

text: When a nonrecourse transaction takes place, the accounts receivable balance is removed from the statement of financial position. The corresponding debits include the expense recorded on the income statement and the proceeds received from the factor.


title: Factoring (finance)

text: Factoring as a fact of business life was underway in England prior to 1400, and it came to America with the Pilgrims, around 1620. It appears to be closely related to early merchant banking activities. The latter however evolved by extension to non-trade related financing such as sovereign debt. Like all financial instruments, factoring evolved over centuries. This was driven by changes in the organization of companies; technology, particularly air travel and non-face-to-face communications technologies starting with the telegraph, followed by the telephone and then computers. These also drove and were driven by modifications of the common law framework in England and the United States.


title: Factoring (finance)

text: Governments were latecomers to the facilitation of trade financed by factors. English common law originally held that unless the debtor was notified, the assignment between the seller of invoices and the factor was not valid. The Canadian Federal Government legislation governing the assignment of moneys owed by it still reflects this stance as does provincial government legislation modelled after it. As late as the current century, the courts have heard arguments that without notification of the debtor the assignment was not valid. In the United States, by 1949 the majority of state governments had adopted a rule that the debtor did not have to be notified, thus opening up the possibility of non-notification factoring arrangements.


title: Factoring (finance)

text: Originally the industry took physical possession of the goods, provided cash advances to the producer, financed the credit extended to the buyer and insured the credit strength of the buyer. In England the control over the trade thus obtained resulted in an Act of Parliament in 1696 to mitigate the monopoly power of the factors. With the development of larger firms who built their own sales forces, distribution channels, and knowledge of the financial strength of their customers, the needs for factoring services were reshaped and the industry became more specialized.


title: Factoring (finance)

text: By the twentieth century in the United States factoring was still the predominant form of financing working capital for the then-high-growth-rate textile industry. In part this occurred because of the structure of the US banking system with its myriad of small banks and consequent limitations on the amount that could be advanced prudently by any one of them to a firm. In Canada, with its national banks the limitations were far less restrictive and thus factoring did not develop as widely as in the US. Even then, factoring also became the dominant form of financing in the Canadian textile industry.


title: Factoring (finance)

text: By the first decade of the 21st century, a basic public policy rationale for factoring remains that the product is well-suited to the demands of innovative, rapidly growing firms critical to economic growth. A second public policy rationale is allowing fundamentally good business to be spared the costly, time-consuming trials and tribulations of bankruptcy protection for suppliers, employees and customers or to provide a source of funds during the process of restructuring the firm so that it can survive and grow.


title: Factoring (finance)

text: In the latter half of the twentieth century the introduction of computers eased the accounting burdens of factors and then small firms. The same occurred for their ability to obtain information about debtor's creditworthiness. Introduction of the Internet and the web has accelerated the process while reducing costs. Today credit information and insurance coverage are instantly available online. The web has also made it possible for factors and their clients to collaborate in real time on collections. Acceptance of signed documents provided by facsimile as being legally binding has eliminated the need for physical delivery of "originals", thereby reducing time delays for entrepreneurs.


title: Factoring (finance)

text: Traditionally, factoring has been a relationship driven business and factoring transactions have been largely manual and frequently involving a face to-face component as part of the relationship building process or due-diligence phase. This is especially true for small business factoring, in which the factoring companies tend to be locally or regionally focused. The geographic focus helps them better mitigate risks that because of their smaller scale, they otherwise couldn't afford to take.


title: Factoring (finance)

text: To make the arrangement economically profitable, most factoring companies have revenue minimums (e.g. at least $500,000 in annual revenue) and require annual contracts and monthly minimums. More recently, several online factoring companies have emerged, leveraging aggregation, analytics, automation to deliver the benefits of factoring with the convenience and ease afforded by the internet. Some companies use technology to automate some of the risk and back-office aspects of factoring and provide the service via a modern web interface for additional convenience. This enables them to serve a broader range of small businesses with significantly lower revenue requirements without the need for monthly minimums and long-term contracts. Many of these companies have direct software integrations with software programs such as Quickbooks, allowing businesses to immediately receive funding without an application.


title: Factoring (finance)

text: The emergence of these modern forms has not been without controversy. Critics accurately point out that none of these new players have experienced a complete credit cycle and thus, their underwriting models have not been market tested by an economic contraction. What's more, some of these new models rely on a market place lending format. It's unclear if this source of capital will be stable over time, as other companies, most notably, Lending Club, had a difficult time attracting investors in early 2016, even though net returns seem higher on invoice finance platforms such as MarketInvoice and FundThrough than on business loan platforms such as Funding Circle.


title: Factoring (finance)

text: With advances in technology, some invoice factoring providers have adapted to specific industries. This often affects additional services offered by the factor in order to best adapt the factoring service to the needs of the business. An example of this includes a recruitment specialist factor offering payroll and back office support with the factoring facility; a wholesale or /distribution factor may not offer this additional service. These differences can affect the cost of the facility, the approach the factor takes when collecting credit, the administration services included in the facility and the maximum size of invoices which can be factored.


title: Factoring (finance)

text: Since the 2007 United States recession one of the fastest-growing sectors in the factoring industry is real estate commission advances. Commission advances work the same way as factoring but are done with licensed real estate agents on their pending and future real estate commissions. Commission advances were first introduced in Canada but quickly spread to the United States. Typically, the process consists of an online application from a real estate agent, who signs a contract selling future commissions at a discount; the factoring company then wires the funds to the agent's bank account.


title: Factoring (finance)

text: The healthcare industry makes for a special case in which factoring is much needed because of long payment cycles from government, private insurance companies and other third party payers, but difficult because of HIPAA requirements. For this reasons medical receivables factoring companies have developed to specifically target this niche.


title: Factoring (finance)

text: Factoring is commonplace in the construction industry because of the long payment cycles that can stretch to 120 days and beyond. However, the construction industry has features that are risky for factoring companies. Because of the risks and exposure from mechanics' liens, danger of "paid-when-paid" terms, existence of progress billing, use of withholding, and exposure to economic cycles most "generalist" factoring companies avoid construction receivables entirely. That has created another niche of factoring companies that specialize in construction receivables.


title: Factoring (finance)

text: Factoring is often used by haulage companies to cover upfront expenses, such as fuel. Factoring companies that cater to this niche offer services to help accommodate drivers on the road, including the ability to verify invoices and fund on copies sent via scan, fax or email, and the option to place the funds directly onto a fuel card, which works like a debit card. Haulage factors also offer fuel advance programs that provide a cash advance to carriers upon confirmed pickup of the load.


title: Factoring (finance)

text: In the recruitment sector factoring is an effective solution, often used by temporary recruitment agencies who must ensure that their business has the available funds each week to make payment to the workers they have placed. Specialist funding marketplaces like Raise enable Recruitment businesses to access the best funding options that they need to grow their agency.


title: Factoring (finance)

text: Large firms and organizations such as governments usually have specialized processes to deal with one aspect of factoring, redirection of payment to the factor following receipt of notification from the third party (i.e., the factor) to whom they will make the payment. Many but not all in such organizations are knowledgeable about the use of factoring by small firms and clearly distinguish between its use by small rapidly growing firms and turnarounds.


title: Factoring (finance)

text: Distinguishing between assignment of the responsibility to perform the work and the assignment of funds to the factor is central to the customer or debtor's processes. Firms have purchased from a supplier for a reason and thus insist on that firm fulfilling the work commitment. Once the work has been performed, however, it is a matter of indifference who is paid. For example, General Electric has clear processes to be followed which distinguish between their work and payment sensitivities. Contracts direct with the US government require an assignment of claims, which is an amendment to the contract allowing for payments to third parties (factors).


title: Factoring (finance)

text: In reverse factoring or supply-chain finance, the buyer sells its debt to the factor. That way, the buyer secures the financing of the invoice, and the supplier gets a better interest rate.


title: American Rust (TV series)

text: American Rust is an American crime drama television series created by Dan Futterman based on the novel of the same name by Philipp Meyer. The series premiered on September 12, 2021, on Showtime. In January 2022, the series was canceled after one season by Showtime. In June 2022, the series was revived for a second season by Amazon Freevee.


title: American Rust (TV series)

text: Set in a small Rust Belt town in Pennsylvania, chief of police Del Harris takes on an investigation when the son of the woman he loves is accused of murder.


title: American Rust (TV series)

text: In November 2017, a television adaptation of "American Rust" was ordered to series by USA Network. The pilot episode was written by Brian McGreevy, Lee Shipman, and Philipp Meyer, and to be directed by David Gordon Green. The series was scrapped on January 25, 2018, after having trouble finding a leading actor for the show.


title: American Rust (TV series)

text: In July 2019, the adaptation was recommissioned by Showtime, to be written by Dan Futterman and starring Jeff Daniels as Harris; they both also serve as executive producers. In March 2020, Maura Tierney, Bill Camp, David Alvarez, Alex Neustaedter and Julia Mayorga were cast as series regulars. In March 2021, Mark Pellegrino joined the cast in a series regular role, while Dallas Roberts, Clea Lewis and Nicole Chanel Williams were cast in recurring roles.


title: American Rust (TV series)

text: The series was filmed in and around Pittsburgh. On January 25, 2022, Showtime canceled the series after one season. On June 9, 2022, Amazon Freevee picked the series for a second season.


title: American Rust (TV series)

text: "American Rust" has received mixed reviews from critics. On Rotten Tomatoes, the series holds an approval rating of 33% based on 21 critic reviews, with an average rating of 3.8/10. The website's critics consensus reads, ""American Rust"s tale of America lost is a worthy one, but despite an A-list cast it simply does not have the narrative clarity or heft necessary to do its subject matter justice." On Metacritic, the series has a score of 47 out of 100 based on 18 reviews, indicating "mixed or average reviews".


title: American Rust (TV series)

text: Based on three episodes for review, Zack Handlen of "The A.V. Club" gave it a "C" grade, writing "There's a lot not to like about "Rust", a dreary, well-acted, badly written chunk of misery porn" and that "the dialogue is all flatly expository". Handlen concluded with, ""American Rust" likely has a story worth telling, and a setting worth exploring, but this version fails to make much of a case for either."


title: Chandler, Arizona

text: Chandler is a city in Maricopa County, Arizona, United States, and a suburb in the Phoenix-Mesa-Chandler Metropolitan Statistical Area (MSA). It is bordered to the north and west by Tempe, to the north by Mesa, to the west by Phoenix, to the south by the Gila River Indian Community, and to the east by Gilbert. As of the 2020 census, the population of Chandler was 275,987, up from 236,123 at the 2010 census.


title: Chandler, Arizona

text: In 1891, Dr. Alexander John Chandler, the first veterinary surgeon in Arizona Territory, settled on a ranch south of Mesa, studying irrigation engineering. By 1900, he had acquired of land, and began drawing up plans for a townsite on what was then known as the Chandler Ranch. The townsite office opened on May 16, 1912.


title: Chandler, Arizona

text: The original townsite was bounded by Galveston Street on the north, Frye Road on the south, Hartford Street on the west, and Hamilton Street on the east. By 1913, a town center had become established, featuring the Hotel San Marcos, which also had the first grass golf course in the state. Chandler High School was established in 1914. Chandler incorporated on February 16, 1920, after 186 residents petitioned the Maricopa County Board of Supervisors to approve incorporation. Town founder A.J. Chandler was chosen as the president of the first town council and the town's first mayor.


title: Chandler, Arizona

text: Most of Chandler's economy was sustained during the Great Depression (though the Depression was to blame for the cancellation of a second San Marcos hotel), but the cotton crash a few years later had a much deeper impact on the city's residents. Later, the founding of Williams Air Force Base in 1941 led to a small surge in population, but Chandler still only held 3,800 people by 1950. By 1980, it had grown to 30,000, and it has since paced the Phoenix metropolitan area's high rate of growth, with suburban residential areas swallowing former agricultural plots. Some of this growth was fueled by the establishment of manufacturing plants for communications and computing firms such as Microchip, Motorola and Intel.


title: Chandler, Arizona

text: Since the early 1990s, the city of Chandler has experienced exponential growth, ranking among the fastest-growing municipalities in the country. The population had grown to more than 275,000 residents in more than 100,000 homes as of 2020. The heart of Chandler remains its revitalized historic downtown, which includes the Chandler City Hall and the Chandler Center for the Arts. In 2010, Chandler was named an All-America City by the National Civic League. Chandler was the only Arizona winner for the 61st annual awards.


title: Chandler, Arizona

text: According to the United States Census Bureau, Chandler has a total area of , of which , or 0.11%, are listed as water. The center of the city, along Arizona State Route 87, is southeast of Downtown Phoenix.


title: Chandler, Arizona

text: Chandler has reached its physical limits save for some remaining county islands and cannot expand outward anymore due to being bound in by the Gila River Indian Community, Tempe, Mesa, Gilbert, and Phoenix.


title: Chandler, Arizona

text: At the time of the 2010 Census, there were 236,123 people, 86,924 households, and 60,212 families in the city. The racial makeup of the city was 73.3% White, 4.8% Black or African American, 1.5% Native American, 8.2% Asian, 0.2% Pacific Islander, and 8.3% of other races. 21.9% of the population was Hispanic or Latino of any race.


title: Chandler, Arizona

text: There were 62,377 households, out of which 41.1% had children under the age of 18 living with them, 57.5% were married couples living together, 10.5% had a female householder with no husband present, and 27.2% were non-families. Of all households 19.3% were made up of individuals, and 3.6% had someone living alone who was 65 years of age or older. The average household size was 2.82 and the average family size was 3.26.


title: Chandler, Arizona

text: In the city, the population was spread out, with 29.8% under the age of 18, 8.6% from 18 to 24, 38.0% from 25 to 44, 17.8% from 45 to 64, and 5.8% who were 65 years of age or older. The median age was 31 years. For every 100 females, there were 99.7 males. For every 100 females age 18 and over, there were 96.9 males.


title: Chandler, Arizona

text: There were 101,229 housing units as of May 2016. The median income for a household in the city was $70,456, and the median income for a family was $81,720. Males had a median income of $44,578 versus $31,763 for females. The per capita income for the city was $23,904. About 4.6% of families and 6.6% of the population were below the poverty line, including 7.7% of those under age 18 and 8.0% of those age 65 or over.


title: Chandler, Arizona

text: Computer chip manufacturer Intel has an influential role in city growth strategies with four locations in the municipal area, including its first factory to be designated "environmentally sustainable" under current Leadership in Energy and Environmental Design (LEED) criteria. Other high-technology manufacturing firms have partnerships with the local government, their operations employing approximately 25% of non-government workers in 2007. Although per capita employment growth in the sector has been in decline in Arizona since 2000, semiconductor and other electronic component manufacturing was largely unaffected; a series of customized grants for the training of net new employees, incorporating the Phoenix urbanized area (27,000 workers now commute to work in other communities), resulted in a larger market share of (Californian) industry.


title: Chandler, Arizona

text: Since 2003, more than 2,900 jobs and investments totalling $3 billion have been created along the Price and Santan freeways, in the Price Road Corridor. Three shopping malls provide a "strong attraction" to such an open-ended, high exposure trade area: the Chandler Fashion Center, opened in 2001, has spurred on several courts and laneway developments. In the southern end of the Corridor, Wal-Mart is expected to draw business from as far south as Hunt Highway, bringing with it a "large consumer population" which will improve "the image and perception of the area" in the mindset of many Greater Phoenix residents and state commercial retailers. The northern portion is "attractive and possesses the historic character" for success, which "can be grown to the south".


title: Chandler, Arizona

text: Companies headquartered in Chandler include Infusionsoft, Microchip, and Rogers. Bashas' headquarters is in a county island surrounded by Chandler.


title: Chandler, Arizona

text: Chandler is noted for its annual Ostrich Festival. Initially, agriculture was the primary business in Chandler, based on cotton, corn, and alfalfa. During the 1910s, there were ostrich farms in the area, catering to the demand for plumes used in women's hats of the era. This demand ebbed with the increasing popularity of the automobile, but the legacy of the ostrich farms would be commemorated by the Ostrich Festival. The Chandler Center for the Arts, a 1,500-seat regional performing arts venue and the Vision Gallery, a non-profit fine arts gallery representing over 300 regional artists in the Chandler area are downtown, and the Arizona Railway Museum is at Tumbleweed Park. A Holocaust and Tolerance Museum has been slated for construction in Chandler.


title: Chandler, Arizona

text: There are numerous properties in the town of Chandler which are considered to be historical and have been included either in the National Register of Historic Places or listed as such by the Chandler Historical Society. The Historic McCullough-Price House, a 1938 Pueblo Revival-style home, was donated to the city by the Price-Propstra family in 2001. The city renovated and opened it to the public in 2007. On June 12, 2009, the McCullough-Price House was added to the National Register of Historic Places, the official listing of America's historic and cultural resources worthy of preservation. The city of Chandler operates the facility, which is southwest of Chandler Fashion Center at 300 S. Chandler Village Dr.


title: Chandler, Arizona

text: On May 18, 2016, a national nonprofit parks and recreation advocacy organization based in Washington, D.C., announced that Chandler was a 2016 Playful City USA community, marking the tenth consecutive year the city earned the distinction (one of twelve founding U.S. cities to receive the honor for the tenth consecutive year since the program was initiated in 2007). Chandler was recognized for taking an innovative approach to making play a priority throughout the city with its many recreational amenities, parks and aquatic centers.


title: Chandler, Arizona

text: The Chandler Community Services Department serves residents and visitors in a variety of ways by providing recreation, fitness, cultural, artistic and educational opportunities along with classes, programs and special events. The Community Services Department, in Old Downtown Chandler, operates the community center, senior center, dozens of local neighborhood and community parks, two recreation centers and six aquatic centers.


title: Chandler, Arizona

text: Chandler's recreational offerings provide residents and visitors of all ages, interests and abilities with the facilities to participate in many sports, activities and special events. The Department publishes a quarterly recreation magazine called "Break Time" that is distributed free at many City facilities and through a free subscription service to residents.


title: Chandler, Arizona

text: A sampling of programs available through the Community Services Department and its Parks and Recreation Divisions includes: swim lessons; junior tennis clinics and leagues; youth classes and programs; youth sports; after-school teen programs; summer youth sports camps and arts camps; fitness classes; group aerobics and dance classes; nature and sustainable living courses; adult classes, sports leagues and outdoor recreation programs; active adult activities; therapeutic recreation special events and Special Olympics fundraising programs.


title: Chandler, Arizona

text: Chandler's regional Tumbleweed Park hosts a variety of events throughout the year, including the annual Ostrich Festival, the Fourth of July Fireworks Festival and the sixth annual Day of Play, attended by more than 5,000 people, was held on Saturday, October 27, 2012, at, Tumbleweed Park.


title: Chandler, Arizona

text: Chandler is represented by a mayor, a vice mayor and five city council members. The vice mayor is elected by the city council from among its members. The mayor, vice mayor and council members represent the entire city and are not elected from districts or wards.


title: Chandler, Arizona

text: Most of Chandler is served by the Chandler Unified School District. Chandler west of Loop 101 is served by the Kyrene Elementary School District and the Tempe Union High School District. The area east of Loop 101 and north of Warner Road is served by Mesa Public Schools. The San Vincente neighborhood in Chandler is served by Gilbert Public Schools.


title: Chandler, Arizona

text: Education alternatives include charter schools, Christian schools, parochial schools, magnet schools, as well as "traditional" academies. The leading charter schools in Chandler are Basis Schools and Legacy Traditional School.


title: Chandler, Arizona

text: The two-year Chandler-Gilbert Community College, serving 13,000 students, is in the east of the city near the Gilbert border. Private educational institutions Western International University and Apollo Group subsidiary University of Phoenix and have locations here. International Baptist College is in Chandler. Arizona State University is from downtown in Tempe. Ottawa University began offering adult education programs in Chandler in 1977. Chandler University opened in 2011.


title: Chandler, Arizona

text: The Chandler Public Library serves Chandler and the greater Phoenix East Valley. The main library is in downtown Chandler, with three branches elsewhere in the city: Sunset, Basha (shared with Basha High School), and Hamilton (shared with Hamilton High School).


title: Chandler, Arizona

text: As part of a family literacy project to encourage literacy and library use among families who live in public housing, the Chandler Public Library visited four public housing locations to offer a four-week series of programs at each.


title: Chandler, Arizona

text: Most incorporated portions of Chandler, along with other East Valley cities Gilbert, Mesa, and Tempe, have their own addressing system distinct from the city of Phoenix and Maricopa County. The north–south meridian is Arizona Avenue, also known as State Route 87. Commonwealth Avenue, two blocks south of Chandler Boulevard, is the east–west baseline. With the significant exception of the stretch of the city from Chandler Boulevard to Ray Road, address numbers follow in mile-long increments of 1000 along the grid. Modern remnants of county addressing (which corresponds to the city of Phoenix system) from the city's rural agrarian days can be found in some neighborhood street names (90th place, 132nd Street) and county islands surrounded by the city proper.


title: Chandler, Arizona

text: Chandler Municipal Airport is a two-runway general aviation facility in the heart of the city south of Loop 202. Gila River Memorial Airport in the Gila River Indian Community may serve the city in the future. In western Chandler, Stellar Airpark is a privately owned airport that is open to the public. The nearest commercial airport to downtown Chandler is Phoenix-Mesa Gateway Airport roughly to the east, which offers service to 35 cities as of July 2015. For international and regional travel, most area residents continue to use Phoenix Sky Harbor International Airport, from downtown Chandler.


title: Chandler, Arizona

text: Chandler has very limited bus service compared with other Valley Metro cities of similar size; it currently ranks sixth in total ridership behind Phoenix, Tempe, Mesa, Scottsdale, and Glendale. Most local routes dead-end a few miles from the city or have further limited service within its borders. Currently, two express bus routes leave from the city near downtown, and a new park and ride facility was recently completed further south. Faced with increasing congestion, the land-locked city is pursuing transportation alternatives, including enhancement of the local bus system. This goal has partially been achieved through Proposition 400, which converts transit funding from city-based to county-based. The result has been increased frequencies on routes 72, 81, 96 (since July 28, 2008), 112, and 156, as well as Sunday bus service on the 72, 112, and 156. However, other routes have yet to be converted to "supergrid" status.


title: Chandler, Arizona

text: Chandler is served by two single-track branch lines of the Union Pacific Railroad. One generally traverses the Kyrene Road alignment and currently dead-ends at the Lone Butte Industrial Park. The other runs east of Arizona Avenue and dead-ends near Sacaton, Arizona. Commuter rail service on these lines is under study .


title: Chandler, Arizona

text: No light rail lines have been approved in the city, although high-capacity corridors including light rail have been identified in other regional and local plans. City officials joined the regional light rail authority, Valley Metro Rail, in 2007, expecting service perhaps in 2020. Potential high capacity transit corridors that have been identified in the past include Rural Road, Arizona Avenue, and Chandler Boulevard. The Chandler General Plan 2016 does not authorize light rail or any form of high capacity transit. A separate process for any consideration of light rail as the mode of transit may occur in the years to come. The language in the General Plan 2016 is to identify that options remain available in the future for the city as it continues analyzing transit within the high-capacity transit corridors.


title: Chandler, Arizona

text: The public hospital system, Valleywise Health (formerly Maricopa Integrated Health System), operates Valleywise Community Health Center – Chandler. Its sole hospital, Valleywise Health Medical Center, is in Phoenix.


title: Chandler, Arizona

text: The north central section of the city and the western "leg" of the city are within Arizona's 9th congressional district, served by Representative Greg Stanton, a Democrat. The rest of Chandler is within Arizona's 5th congressional district, served by Representative Andy Biggs, a Republican.


title: Chandler, Arizona

text: Chandler's western "leg" and a small, narrow portion of the adjacent northern part of the city are within Arizona's 18th Legislative District, served by Representatives Denise Epstein and Jennifer Jermaine, and Senator Sean Bowie, all Democrats. The rest of the city is in Arizona's 17th Legislative District, served by Representatives Jennifer Pawlik and Jeff Weninger, and Senator J. D. Mesnard, one Democrat and two Republicans.


title: Acadia National Park

text: Acadia National Park is an American national park located along the mid-section of the Maine coast, southwest of Bar Harbor. The park preserves about half of Mount Desert Island, part of the Isle au Haut, the tip of the Schoodic Peninsula, and portions of 16 smaller outlying islands. It protects the natural beauty of the rocky headlands, including the highest mountains along the Atlantic coast. Acadia boasts a glaciated coastal and island landscape, an abundance of habitats, a high level of biodiversity, clean air and water, and a rich cultural heritage.


title: Acadia National Park

text: The park contains the tallest mountain on the Atlantic Coast of the United States (Cadillac Mountain), exposed granite domes, glacial erratics, U-shaped valleys, and cobble beaches. Its mountains, lakes, streams, wetlands, forests, meadows, and coastlines contribute to a diversity of plants and animals. Weaved into this landscape is a historic carriage road system financed by John D. Rockefeller Jr. In total, it encompasses .


title: Acadia National Park

text: Acadia has a rich human history, dating back more than 10,000 years ago with the Wabanaki people. The 17th century brought fur traders and other European explorers, while the 19th century saw an influx of summer visitors, then wealthy families. Many conservation-minded citizens, among them George B. Dorr (the "Father of Acadia National Park"), worked to establish this first U.S. national park east of the Mississippi River and the only one in the Northeastern United States. Acadia was initially designated Sieur de Monts National Monument by proclamation of President Woodrow Wilson in 1916, then renamed and redesignated Lafayette National Park in 1919. The park was renamed Acadia National Park in 1929.


title: Acadia National Park

text: Recreational activities from spring through autumn include car and bus touring along the park's paved loop road; hiking, bicycling, and horseback riding on carriage roads (motor vehicles are prohibited); fishing; rock climbing; kayaking and canoeing on lakes and ponds; swimming at Sand Beach and Echo Lake; sea kayaking and guided boat tours on the ocean; and various ranger-led programs. Winter activities include cross-country skiing, snowshoeing, snowmobiling, and ice fishing. Two campgrounds are located on Mount Desert Island, another campground is on the Schoodic Peninsula, and five lean-to sites are on Isle au Haut. The main visitor center is at Hulls Cove, northwest of Bar Harbor. Park visitation has been steadily increasing in Acadia over the past decade, with 2021 seeing a record count of 4.07 million visitors.


title: Acadia National Park

text: The park includes mountains, an ocean coastline, woodlands, lakes, and ponds. In addition to nearly half of Mount Desert Island, the park designation also preserves a portion of the Schoodic Peninsula on the mainland, as well as the majority of Isle au Haut and Baker Island, all of Bar Island, three of the four Porcupine Islands (Sheep, Bald and Long), the Thrumcap (an islet), part of Bear Island, and Thompson Island in Mount Desert Narrows, as well as several other islands and islets. Bar Island, which can be visited on foot over a sandbar around low tide, and the Porcupine Islands are in Frenchman Bay by Bar Harbor. About of carriage roads were designed and financed by John D. Rockefeller Jr. on Mount Desert Island, of which continue to be maintained inside the park.


title: Acadia National Park

text: Acadia National Park encompasses a total of . At least on Mount Desert Island are included in the park, along with on Isle au Haut, about on smaller islands, and on the Schoodic Peninsula. , the permanent park boundary, as established by act of Congress in 1986, included of privately owned land under conservation easements managed by the National Park Service, which plans to acquire the land at some point.


title: Acadia National Park

text: The mountains of Acadia National Park offer hikers expansive views of the ocean, island lakes, and pine forests. Twenty six significant mountains rise in the park, ranging from at Flying Mountain's summit to at Cadillac Mountain's summit. Cadillac Mountain, named after the French explorer Antoine de la Mothe Cadillac, is on the eastern side of the island. Cadillac is the tallest mountain along the eastern coastline of the United States. The summit of Cadillac is the first place in the United States where one may watch the sunrise from October 7 through March 6, due to its eastern location and height.


title: Acadia National Park

text: The Park Loop Road leads to many scenic viewpoints along the coast, through forests and to the top of Cadillac Mountain. The road traverses the eastern side of Mount Desert Island in a one-way, clockwise direction from Bar Harbor to Seal Harbor, passing features such as the Tarn (a pond), Champlain Mountain (location of a popular, exposed cliffside trail named Precipice), the Beehive (another, smaller mountain), Sand Beach (a saltwater swimming area), Gorham Mountain, Thunder Hole (a crevasse into which waves crash loudly), Otter Cliff, Otter Cove, Seal Harbor, Jordan Pond, Pemetic Mountain, the Bubbles, Bubble Rock, Bubble Pond, Eagle Lake, and the side road to the summit of Cadillac Mountain. Some of the island's west side features include Echo Lake and beach (a designated freshwater swimming area), Acadia Mountain, Beech Mountain, Long Pond, and Seal Cove Pond. Bass Harbor Head Light is situated atop a cliff on the southernmost tip of the west side of the island. Baker Island Light and Bear Island Light are the other two lighthouses managed by Acadia.


title: Acadia National Park

text: Somes Sound is a long fjard formed during a glacial period that nearly divides the island in half. The sound is deep at its deepest point, and is bordered by Norumbega Mountain to the east, and Acadia Mountain and Saint Sauveur Mountain to the west. The towns of Southwest Harbor and Northeast Harbor face one another across the inlet to Somes Sound.


title: Acadia National Park

text: Native Americans have inhabited the area called Acadia for at least 12,000 years, including the coastal areas of Maine, Canada, and adjacent islands. The Wabanaki Confederacy ("People of the Dawnland") consists of five related Algonquian nations—the Maliseet, Mi'kmaq, Passamaquoddy, Abenaki and Penobscot. Some of the nations call Mount Desert Island "Pemetic" ("range of mountains"), which has remained at the center of the Wabanaki traditional ancestral homeland and territory of traditional stewardship responsibility to the present day. The etymology of the park's name begins with the Mi'kmaq term "akadie" ("piece of land") which was rendered as "l'Acadie" by French explorers, and translated into English as Acadia.


title: Acadia National Park

text: The Wabanaki traveled to the island in birch bark canoes to hunt, fish, gather berries, harvest clams and basket-making resources like sweetgrass, and to trade with other Wabanakis. They camped near places like Somes Sound.


title: Acadia National Park

text: In the early 17th century, Asticou was the chieftain of the greater Mount Desert Island area, one district of an intertribal confederacy known as Mawooshen led by the grandchief Bashaba. Castine ("Pentagoet" in the native language) was the grandchief's favored rendezvous site for the Wabanaki tribes. The site is located just west of Mount Desert Island at the mouth of the Bagaduce River in eastern Penobscot Bay. From 1615, Castine developed into a major fur trading post where French, English, and Dutch traders all fought for control. Sealskins, moose hides, and furs were traded by the Wabanakis for European commodities. By the early 1620s, warfare and introduced diseases, including smallpox, cholera and influenza, had decimated the tribes from Mount Desert Island southward to Cape Cod, leaving about 10 percent of the original population.


title: Acadia National Park

text: The border established between the United States and Canada after the American Revolution split the Wabanaki homelands. The confederacy was dissolved around 1870 due to pressure from the American and Canadian governments, though the tribal nations continued to interact in their traditional ways. In the nineteenth century, Wabanakis sold handmade ash and birch bark baskets to travelers. The Wabanaki performed dances for summer tourists and residents at Sieur de Monts and the town of Bar Harbor. Wabanaki guides led canoe trips around Frenchman Bay and the Cranberry Islands.


title: Acadia National Park

text: For two years, 1970–71, the nations operated a Wabanaki educational center called T.R.I.B.E. (Teaching and Research in Bicultural Education) on the west side of Eagle Lake. American Indian land claims in Maine were legally settled in 1980 and 1991. The annual Bar Harbor Native American Festival began in 1989, jointly sponsored by the tribes and the Abbe Museum. The Maine Indian Basketmakers Alliance was formed in 1993, assisting in the coordination of the annual festival with the museum.


title: Acadia National Park

text: Currently, each tribe has a reservation and government headquarters located within their territories throughout Maine. Some Wabanakis live on Mount Desert Island, while others visit for board meetings at the Abbe Museum, to advise on and perform in exhibitions, for craft demonstrations, and to gather sweetgrass and sell handmade baskets at the annual festival.


title: Acadia National Park

text: The Italian explorer Giovanni da Verrazzano sailed along the coast of Mount Desert Island during an expedition for the French Crown in 1524. He was followed by Estêvão Gomes, a Portuguese explorer for the Spanish Crown in 1525. French explorer Jean Alfonse arrived in 1542. Alfonse entered Penobscot Bay and recorded details about the fur trade. Portuguese navigator Simon Ferdinando guided an English expedition in 1580.


title: Acadia National Park

text: A few hundred people were living on Mount Desert Island when Samuel de Champlain arrived in 1604. Two Wabanakis led Champlain to Mount Desert Island, which he named Isle des Monts Deserts (Island of Barren Mountains) due to its barren peaks; he named Isle au Haut (High Island) due to its height.


title: Acadia National Park

text: The first French missionary colony in America was established on Mount Desert Island in 1613. The colony was destroyed a short time later by an armed vessel from the Colony of Virginia as the first act of overt warfare in the long struggle leading to the French and Indian Wars. The island was granted to Antoine de la Mothe Cadillac by Louis XIV of France in 1688, but ceded to England in 1713. Massachusetts governor Sir Francis Bernard, 1st Baronet assumed control of the island in 1760. In 1790, Massachusetts granted the eastern half of the island to Cadillac's granddaughter, Mme. de Gregoire, while Bernard's son John retained ownership of the western half. The first record of summer visitors vacationing on the island was in 1855, and steamboat service from Boston was inaugurated in 1868. The Green Mountain Cog Railway was built from the shore of Eagle Lake to the summit of Cadillac Mountain in 1888. In 1901, the Maine Legislature granted Hancock County a charter to acquire and hold land on the island in the public interest. The first land was donated by Mrs. Eliza Homans of Boston in 1908, and had been acquired by 1914.


title: Acadia National Park

text: Artists and journalists had revealed and popularized the island in the mid-1800s. Painters came from the Hudson River School, including Thomas Cole and Frederic Church, inspiring patrons and friends to visit. The term "rusticator" was used to describe these early visitors who stayed in the homes of local fishermen and farmers for modest fees. The accommodations soon became insufficient for the increasing amount of summer visitors, and by 1880, thirty hotels were operating on the island. Tourism was becoming the major industry.


title: Acadia National Park

text: For a select few Americans, the 1880s and the Gay Nineties meant affluence on a scale without precedent. Mount Desert Island, being remote from the cities of the east, became a summer retreat for families such as the Rockefellers, Morgans, Fords, Vanderbilts, Carnegies, and Astors. These families, with the help of developers such as Charles T. How, constructed elegant estates, which they called cottages. Luxury, refinement, and large gatherings replaced the buckboard rides, picnics, and day-long hikes of the rusticators. For more than forty years, the wealthy dominated summer activity on Mount Desert Island, but the Great Depression and World War II brought an end to the extravagance.


title: Acadia National Park

text: The landscape architect Charles Eliot is credited with the idea for the park. George B. Dorr, called the "Father of Acadia National Park," along with Eliot's father Charles W. Eliot (president of Harvard from 1869 to 1909), supported the idea both through donations of land and through advocacy at the state and federal levels. Dorr later served as the park's first superintendent. President Woodrow Wilson first established its federal status as Sieur de Monts National Monument on July 8, 1916, administered by the National Park Service. It was the first national park created from private lands gifted to the public.


title: Acadia National Park

text: Congress redesignated the national monument as Lafayette National Park on February 26, 1919, the first American national park east of the Mississippi River and the only one in the Northeastern United States. The park was named after the Marquis de Lafayette, an influential French participant in the American Revolution. Jordan Pond Road was started in 1922 and completed as a scenic motor highway in 1927. The Cadillac Mountain Summit Road, begun in 1925, was completed in 1931.


title: Acadia National Park

text: The name of the park was changed to Acadia National Park on January 19, 1929, in honor of the former French colony of Acadia which once included Maine. In 1929 Schoodic Peninsula was donated to Acadia by John Godfrey Moore's second wife Louise and daughters Ruth and Faith. Keeping up with the taxes on the Schoodic land became a drain on the family finances and they thought this world be a fitting way to honor John Godfrey Moore. There was an unspoken stipulation in the discussions — the heirs were anglophiles that did not want to have their land as part of Lafayette National Park. Conservationist George Dorr, who is referred to as the “Father of Acadia National Park,” suggested the name Acadia and the deal went through after the name changed, ensuring the expansion.


title: Acadia National Park

text: From 1915 to 1940, the wealthy philanthropist John D. Rockefeller Jr. financed, designed, and directed the construction of a network of carriage roads throughout the park. He sponsored the landscape architect Beatrix Farrand, whose family owned a summer home in Bar Harbor named Reef Point Estate, to design the planting plans for the carriage roads (c. 1930). The network originally encompassed about of crushed stone carriage roads with 17 stone-faced, steel-reinforced concrete bridges (16 financed by Rockefeller), and two gate lodges—one at Jordan Pond and the other near Northeast Harbor. About of carriage roads are maintained and accessible within park boundaries. Granite coping stones along carriage road edges act as guard rails; they are nicknamed "Rockefeller's Teeth." The carriage roads are open from the end of the spring mud season, generally in late April, through the summer, autumn, and winter months, until the following spring thaw causes another closure in March to prevent damage to the gravel surface.


title: Acadia National Park

text: Acadia National Park's first naturalist, Arthur Stupka, also had the distinction of being the first NPS naturalist to serve in any of the NPS's eastern United States districts. He joined the park staff in 1932, and in the capacity of park naturalist he wrote, edited and published a four-volume serial entitled "Nature Notes from Acadia" (1932–1935).


title: Acadia National Park

text: Beginning on October 17, 1947, more than of Acadia National Park burned in a fire that also destroyed an additional of Mount Desert Island outside the park. The fire began along Crooked Road west of Hulls Cove (northwest of Bar Harbor). The forest fire was one of a series of fires that consumed much of Maine's forest in a dry year. The fire burned until November 14, and was fought by the Coast Guard, Army Air Corps, Navy, local residents, and National Park Service employees from around the country. Sixty-seven of the historic summer cottages along Millionaires’ Row, along with 170 other homes, and five hotels were destroyed. Restoration of the park was substantially supported by the Rockefeller family. Regrowth has occurred naturally with new deciduous forests consisting of birch and aspen enhancing the colors of autumn foliage, adding diversity to tree populations, and providing for the eventual regeneration of spruce and fir forests.


title: Acadia National Park

text: The region is characterized by a large seasonal variation in temperature with warm to hot summers that are often humid, and cold to severely cold winters. According to the Köppen climate classification system, Mount Desert Island has a warm-summer humid continental climate ("Dfb"). The average annual temperature in the park is 47.3 °F (8.5 °C). July is the warmest month with an average of 69.7 °F (20.9 °C), while January is the coldest month with an average of 23.8 °F (-4.6 °C). The record high and low temperatures are 96 °F (36 °C) and -21 °F (-29 °C), respectively. The plant hardiness zone is 5b with an average annual extreme minimum air temperature of -11.4 °F (-24.1 °C).


title: Acadia National Park

text: Average annual precipitation in Bar Harbor is 55.54" (1411 mm). November is the wettest month with 5.89" (150 mm) of precipitation on average, while July is the driest month with 3.27" (83 mm). Precipitation days are spread evenly throughout the year with December averaging the most days with about 14, while August averages the least with about 9. The annual average days with precipitation is 139. Snow has been recorded from October to May, although the majority falls from December to March. The snowiest month is January with 18.3" (46 cm), and the annual average is 66.1" (167 cm).


title: Acadia National Park

text: The Cadillac Mountain Intrusive Complex is part of the Coastal Maine Magmatic Province, consisting of over a hundred mafic and felsic plutons associated with the Acadian Orogeny. Mount Desert Island bedrock consists mainly of Cadillac Mountain granite. Perthite gives the granite its pinkish color. The Silurian age granite ranges from 424 to 419 million years ago (Mya). Diabase dikes trend north–south through the complex. Almost 300 million years of erosion followed before the deposition of glacial features during the Pleistocene. Glacial polish, glacial striations, and chatter marks are evident in granitic surfaces. Other glacier-shaped features include The Bubbles (two rôche moutonnées) and the U-shaped valleys of Sargent Mountain Pond, Jordan Pond, Seal Cove Pond, Long Pond, Echo Lake, and Eagle Lake. Somes Sound is a fjard and terminal moraines form the southern end of Long Pond, Echo Lake, and Jordan Pond. Bubble Rock is an example of a glacial erratic.


title: Acadia National Park

text: More than 500 Mya, layers of mud, sand and volcanic ash were buried beneath the ocean where high pressure, heat and tectonic activity created a metamorphic rock formation called the Ellsworth Schist. White and gray quartz, feldspar, and green chlorite comprise the schist, which is the oldest rock in the Mount Desert Island region. Erosion and shifting of tectonic plates eventually brought the schist to the surface.


title: Acadia National Park

text: About 450 Mya, an ancient continental fragment, or micro-terrane, called Avalonia collided with North America. The collision buried the schist along with accumulations of sand and silt, creating the Bar Harbor Formation which consists of brown and gray sandstone and siltstone layers. Material from volcanic flows and ash were also deposited on the formation, creating the volcanic rock found on the Cranberry Islands. Further volcanic activity introduced igneous rocks into the Bar Harbor Formation. As the igneous intrusions cooled, crystallized minerals formed including a gabbro composed of dark, iron-rich minerals.


title: Acadia National Park

text: Mount Desert Island granite was created about 420 Mya, with one of the oldest granite bodies being Cadillac Mountain, the largest on the island. The granite body rose slowly through bedrock, fracturing it into large pieces, some of which melted under intense heat. As the granite cooled, the bedrock fragments were left surrounded by crystallized granite in a shatter zone that is visible on the eastern side of the mountain. A fine-grained, black igneous rock called diabase intruded into the granite during later volcanic activity. Diabase bodies, or dikes, are visible along the Cadillac Mountain road and on the Schoodic Peninsula.


title: Acadia National Park

text: During the next several hundred million years, the rock layers that still covered the large granite bodies, along with softer rock surrounding the granite, were worn away by erosion.


title: Acadia National Park

text: During the last two to three million years, a series of ice sheets flowed and receded across northern North America, eroding mountains and creating U-shaped valleys.


title: Acadia National Park

text: The glacier that covered Mount Desert Range, part of which is now called Mount Desert Island, was thick and moved at the rate of a few yards (meters) per year. The mountain range was heavily eroded by the glacier which rounded off mountaintops, carved saddles, deepened valleys, and created the fjard known as Somes Sound, nearly dividing the current island in half. Evidence of the last glacial period, the Wisconsin glaciation from about 75,000 to 11,000 years ago, is visible as long scratches, or striations, and crescent-shaped gouges created by material carried along at the base of the ice. As the climate warmed, the glaciers melted and receded, leaving boulders that had been carried or further south from their original locations. These boulders, or glacial erratics, lie in valleys and on mountaintops, including Bubble Rock on the South Bubble.


title: Acadia National Park

text: The coastal areas of Maine sank slightly under the extreme weight of the ice sheets, allowing seawater to cover lowlands thus forming the present-day islands. Evidence of sea caves and past beaches can be found about above current sea level. As the ice receded and the land stabilized, lakes and ponds formed in valleys dammed by glacial debris. Rivers and streams flowed again through the watershed, continuing the gradual erosion of the drainage paths.


title: Acadia National Park

text: Acadia has a coastline composed of rocky headlands, and more heavily eroded stony or sandy beaches. Coastal areas directly facing the wind-driven waves of the Atlantic Ocean are solely composed of large boulders as all other material has been washed out to sea. Areas partially protected by rocky headlands contain the remains of more eroded rocks, consisting of pebbles, cobbles and smaller boulders. Sheltered coves, such as at Sand Beach, contain fine-grained particles that are primarily the remains of shells and other hard parts of marine life, including mussels and sea urchins.


title: Acadia National Park

text: Granitic ridges are subjected to frost weathering. Joints, or fractures, are slowly enlarged as trapped water repeatedly freezes and melts, eventually splitting off a block. Bright pink scars with granitic rubble below are evidence of such weathering; one example can be seen above the Tarn, a pond just south of Bar Harbor.


title: Acadia National Park

text: At least twelve sea caves are located in several coastal areas of the park. Sea caves are formed when waves cause erosion of coastal rock formations. If a sea cave is enlarged enough, it may break through a headland to form a sea arch.


title: Acadia National Park

text: Frequent thawing in winter prevents large accumulations of snow, and keeps the ground well saturated. Ice storms are common in winter and early spring, while rain occurs throughout the year. Saturated soils, thawing, and heavy precipitation lead to rockfalls every spring along Mount Desert Island's loop road, as well as slumping along coastal bluffs.


title: Acadia National Park

text: Mass wasting (slope movement) of marine clay, deposited when the sea level was much higher, occurs along Hunters Brook on Mount Desert Island. Slumping of the greenish-gray clay destabilized the bank, changing the course of the stream. The eastern end of Otter Cove's beach contains eroded gullies of marine clay. Mass wasting and slope failure may occur wherever marine clay is exposed.


title: Acadia National Park

text: Earthquakes with epicenters near the park have caused landslides, damaging roads and trails. Earthquakes in Maine occur at a low but steady rate, with magnitudes usually less than 4.8 on the Richter scale.


title: Acadia National Park

text: The Presumpscot Formation has yielded a diverse collection of mostly marine fossils. The formation is composed of silt and clay deposited between 15 and 11,000 years ago when isostatic loading raised sea level as land was submerged to about above the current level. Post-glacial rebound lowered sea level, exposing the seabed to a depth of about below the current level. A global rise in sea-level flooded the shelf to the current level.


title: Acadia National Park

text: Plant fossils include pollen, spores, logs, and other plant macrofossils. Invertebrate fossils include foraminifera (protists that form test shells), sponge spicules, bryozoans, bivalves, gastropods, "Spirorbis", beetles, ants, barnacles, decapod crustaceans (crabs, shrimp, lobsters, etc.), ostracodes (seed shrimp), and ophiuroids (brittle stars). Vertebrate fossils include fish and a few rare large mammals, such as walruses, whales, and a mammoth. Walrus remains have been reported on Andrews Island, west of Isle au Haut; Addison Point, northeast of the Schoodic Peninsula; and Gardiner, west-northwest of Isle au Haut. The mammoth bones were found at Scarborough, southwest of Isle au Haut.


title: Acadia National Park

text: The ecological zones at Acadia National Park, from highest to lowest elevation, include: nearly barren mountain summits; northern boreal and eastern deciduous forests on the mountainsides; freshwater lakes and ponds, as well as wetlands like marshes and swamps in the valleys between mountains; and the Atlantic shoreline with rocky and sandy beaches, intertidal and subtidal zones.


title: Acadia National Park

text: Tiny subalpine plants grow in the granite joints on mountaintops and on the downwind side of rocks. Stunted, gnarled trees also survive near the summits. Spruce-fir boreal forests cover much of the park. Stands of oak, maple, beech, and other hardwoods more typical of New England represent the eastern deciduous forest. Pitch pines and scrub oaks inhabit isolated forests at their northeastern range limit, while jack pines reach the southern limit of their range in Acadia.


title: Acadia National Park

text: Fourteen great ponds and ten smaller ponds provide habitat for many fish and waterfowl species. More than 20% of the park is classified as wetland. Marshes and swamps form the transition between terrestrial and aquatic environments, maintaining biodiversity by providing a habitat for a wide range of species. Native wildlife frequent wetlands alongside species that are nesting, overwintering or migrating, such as birds along the Atlantic Flyway. Wetlands are composed of 37.5% marine (sea water), 31.6% palustrine (stagnant water), 20% estuarine (coastal, brackish water), 10.7% lacustrine (freshwater lakes and ponds), and 0.2% riverine (flowing streams). Approximately of perennial streams and of intermittent streams flow through the park, while about of shoreline surround 110 lakes and ponds encompassing .


title: Acadia National Park

text: Intertidal flora and fauna inhabit more than of rocky coastline. The nutrient-rich marine waters cover the intertidal plants and animals twice a day. Pools of calm water form among the rocks around low tides, inhabited by starfish, dog whelks, blue mussels, sea cucumbers, and rockweed.


title: Acadia National Park

text: Flora common to both deciduous and coniferous woodlands include lowbush blueberry, Canadian bunchberry, hobblebush, bluebead lily, Canada mayflower, wild sarsaparilla, shadbush, starflower, rosy twisted stalk, wintergreen, and white pine trees.


title: Acadia National Park

text: Coniferous forest trees include the balsam fir, eastern hemlock, red pine, red spruce, and white spruce. The park has a potential natural vegetation of northeastern spruce/fir within temperate coniferous forests, according to the original A. W. Kuchler types. Spruce-fir forests cover more than sixty percent of the naturally vegetated habitats in the park. Other coniferous forest plants include dewdrop, mountain holly, pinesap, one-flowered pyrola, shinleaf, trailing arbutus, northern woodsorrel, and drooping woodreed.


title: Acadia National Park

text: An invasive insect known as the red pine scale was confirmed on dying red pines on the south side of Norumbega Mountain near Lower Hadlock Pond in 2014.


title: Acadia National Park

text: Deciduous forest trees include the white ash, big-toothed and trembling aspen, American beech, paper and yellow birch, red oak, American mountain ash, as well as mountain, red, striped, and sugar maples. Other deciduous forest plants include large-leaved aster, chokecherry, red-berried elder, Christmas fern, threeleaf goldthread, early saxifrage, false Solomon's seal, small Solomon's seal, and twinflower.


title: Acadia National Park

text: Trees commonly found in the mountains and dry, rocky places of the national park include gray birch, common juniper, jack pine, and pitch pine, while smaller trees, or shrub, species include green alder and pin cherry. Other common shrubs and flowering plants found in the mountains and rocky areas include alpine aster, bearberry, velvetleaf blueberry, bush-honeysuckle, black chokeberry, three-toothed cinquefoil, mountain cranberry, bracken fern, Rand's goldenrod, harebell, golden heather, mountain holly, black huckleberry, creeping juniper, sheep laurel, red raspberry, Virginia rose, mountain sandwort, bristly sarsaparilla, sweetfern, and wild raisin. Poverty oatgrass is the most common grass found in mountainous terrain.