This is a bit subjective, but one could argue that the Fourteenth Amendment, which was one of the Reconstruction amendments, had the biggest impact on American history since it declared that all American citizens must have equal rights and protections under the law.
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They could pay their debts using a government banking system.
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An important distinction exists between law and ethics. Obeying the law is the minimum level of ethical conduct enforced in society; ethical behavior includes more than simply legal behavior. This requirement has given corporations strong incentives to formulate codes of ethics in order to win investor confidence.
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