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Commercial credit and agricultural consumer loans were the main types of loans. The trade credit was usually extended by temples in order to finance trade expeditions and was nominated in silver. The interest rate was set at 1/60 a month (one shekel per mina) some time before 2000 BC and it remained at that level for about two thousand years. Rural loans commonly arose as a result of unpaid obligations due to an institution (such as a temple), in this case the arrears were considered to be lent to the debtor. They were denominated in barley or other crops and the interest rate was typically much higher than for commercial loans and could amount to 1/3 to 1/2 of the loan principal.

What typically arose as a result of unpaid obligations?
Answer: Rural loans
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In 1821, after Mexico's War of Independence from Spain, Texas was part of the United Mexican States as the state of Coahuila y Tejas. A large influx of Americans soon followed, originally with the approval of Mexico's president. In 1836, the now largely "American" Texans, fought a war of independence from the central government of Mexico and established the Republic of Texas. In 1846, the Republic dissolved when Texas entered the United States of America as a state. Per the 1850 U.S. census, fewer than 16,000 Texans were of Mexican descent, and nearly all were Spanish-speaking people (both Mexicans and non-Spanish European settlers who include German Texan) who were outnumbered (six-to-one) by English-speaking settlers (both Americans and other immigrant Europeans).[citation needed]

Was Texas a primarily a Spanish speaking state?
Answer: Per the 1850 U.S. census, fewer than 16,000 Texans were of Mexican descent, and nearly all were Spanish-speaking people
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The question of priority for the variable resistance feature of the telephone was raised by the examiner before he approved Bell's patent application. He told Bell that his claim for the variable resistance feature was also described in Gray's caveat. Bell pointed to a variable resistance device in Bell's previous application in which Bell described a cup of mercury, not water. Bell had filed the mercury application at the patent office a year earlier on February 25, 1875, long before Elisha Gray described the water device. In addition, Gray abandoned his caveat, and because he did not contest Bell's priority, the examiner approved Bell's patent on March 3, 1876. Gray had reinvented the variable resistance telephone, but Bell was the first to write down the idea and the first to test it in a telephone.

When did Bell put in his prior patent?
Answer:
February 25, 1875