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Airplanes were invented by natural selection. Now you can say that intelligent design designs our airplanes of today, but there was no intelligent design really designing those early airplanes. There were probably at least 30,000 different things tried, and when they crash and kill the pilot, don't try that again.
The expansionary operations of the Second Bank of the United States, coupled with its laxity toward insisting on specie payment by the state banks, impelled a further inflationary expansion of state banks on top of the spectacular enlargement of the central bank. Thus, the number of incorporated state banks rose from 232 in 1816 to 338 in 1818.