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Feathers are a feature characteristic of birds (though also present in some dinosaurs not currently considered to be true birds). They facilitate flight, provide insulation that aids in thermoregulation, and are used in display, camouflage, and signaling. There are several types of feathers, each serving its own set of purposes. Feathers are epidermal growths attached to the skin and arise only in specific tracts of skin called pterylae. The distribution pattern of these feather tracts (pterylosis) is used in taxonomy and systematics. The arrangement and appearance of feathers on the body, called plumage, may vary within species by age, social status, and sex.

What is pterylae?
Answer: specific tracts of skin
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On June 16, 1911, their four companies were consolidated in New York State by Charles Ranlett Flint to form the Computing-Tabulating-Recording Company (CTR). CTR's business office was in Endicott. The individual companies owned by CTR continued to operate using their established names until the businesses were integrated in 1933 and the holding company eliminated. The four companies had 1,300 employees and offices and plants in Endicott and Binghamton, New York; Dayton, Ohio; Detroit, Michigan; Washington, D.C.; and Toronto. They manufactured machinery for sale and lease, ranging from commercial scales and industrial time recorders, meat and cheese slicers, to tabulators and punched cards.

On what date did the companies that became the Computing-Tabulating-Recording Company get consolidated?
Answer: June 16, 1911
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As part of the housing and credit booms, the number of financial agreements called mortgage-backed securities (MBS) and collateralized debt obligations (CDO), which derived their value from mortgage payments and housing prices, greatly increased. Such financial innovation enabled institutions and investors around the world to invest in the U.S. housing market. As housing prices declined, major global financial institutions that had borrowed and invested heavily in subprime MBS reported significant losses.

Who could invest in the U.S. housing market through MBS and CDO?
Answer:
institutions and investors around the world