Water chiller. A water chiller is a mechanical device used to facilitate heat exchange from water to a refrigerant in a closed loop system. The refrigerant is then pumped to a location where the waste heat is transferred to the atmosphere.
Banking in the United States before creation of the Federal Reserve System was, to say the least, chaotic. Early American Banking: 1791-1863. Banking in the America of 1863 was far from easy or dependable.
The Federal Reserve System (also known as the Federal Reserve, and informally as the Fed) is the central banking system of the United States.he first U.S. institution with central banking responsibilities was the First Bank of the United States, chartered by Congress and signed into law by President George Washington on February 25, 1791, at the urging of Alexander Hamilton.