A regulatory agency that attempts to limit risk in the banking system is a "government agency", since only the federal government can legally have power over the banks and their policies.
They were not treated well, they were immigrants looking for a better life in the US and they worked for lower wages which took away jobs from people that had been in the US in many industrial cities
Lots of water, shelter, animals, and vegetation. However, forest fires are very lethal, sicknesses can develop and farming must be very hard.
One of the main reasons why the road to democracy more difficult for France than for England is because democracy happened relatively slowly in England, whereas it happened practically "overnight" in France, which led to far more chaos and violence.
