Answer:
A bank approves a loan for a customer.
Explanation:
Banks function as a link between the people or organizations who have surplus capital and others, who need capital to invest it for their business. They help the business to raise, improve, and expand. Most companies have failed to grow their businesses because they lack the resources to do so, and bank loans help tackle this issue by providing loans to them.
I'm afraid I couldn't give you a complete answer, or the answer that you're looking for, for this question regarding the Native-born Americans in 1860's since there is no map provided with this question. Try re-posting this question with the map on it.
There are many of them but the most common are:
1.) Photosynthesis
2.) Solar Energy
3.)Thermochemical Reactions
as an agrarian republic in which states and localities held most of the power