The answer is to use credit when you need to not when you want to.
The New England colonies were more focused on the Religion as the people who came there from Europe tended to be pilgrims (a Traveler who is on a journey to a holy place) and were more isolated and had very small farms just to provided for its owners. The middle colonies were mostly ports and industry as well as lumber, they built ships and the south was used for cash crops some examples of cash crops were cotton, tobacco, rice,wheat, rye, corn, barley,potatoes) and food and required the most slaves because it was the least populated
Horace Mann was advocating the education reform movement.
The Berlin Conference of 1884<span>–85, also known as the Congo Conference (German: Kongokonferenz) or West Africa Conference (Westafrika-Konferenz), regulated European colonization and trade in Africa during the New Imperialism period, and coincided with Germany's sudden emergence as an imperial power. SOURCE: GOOGLE. </span>