until his term ended in January 1969. This is reportedly the longest occupation of an American city by state forces in the nation's history. In the 1980s, job growth and office construction were spurred by the arrival of national banks and financial institutions in the wake of the 1981 Financial Center Development Act, which liberalized the laws governing banks operating within the state, and similar laws in 1986. Today, many national and international banks, including Bank of America, Capital One, Chase, and Barclays, have operations in the city, typically credit card operations. Geography According to the United States Census Bureau, the city has a total area of , of which is land and is water. The total area is 36.25% water. The city sits at the confluence of the Christina and Delaware rivers, approximately southwest of Philadelphia. Wilmington Train Station, one of the southernmost stops on Philadelphia's SEPTA rail transportation system, is also served by Northeast Corridor Amtrak passenger trains. Wilmington is served by I-95 and I-495 within city limits. In addition, the twin-span Delaware Memorial Bridge, a few miles south of the city, provides direct highway access between Delaware and New Jersey, carrying the I-295 eastern bypass route around Wilmington and Philadelphia, as well as US 40, which continues eastward to Atlantic City, New Jersey. These transportation links and geographic proximity give Wilmington some of the characteristics of a satellite city to Philadelphia, but Wilmington's long history as Delaware's principal city, its urban core, and its independent value as a business destination makes it more properly considered a small but independent city in the Philadelphia metropolitan area. Wilmington lies along the Fall Line geological transition from the Mid-Atlantic Piedmont Plateau to the Atlantic Coastal Plain. East of Market Street, and along both sides of the Christina River, the Coastal Plain land is flat, low-lying, and in places marshy. The Delaware River here is an estuary at sea level (with twice-daily high and low tides), providing sea-level access for ocean-going ships. On the western side of Market Street, the Piedmont topography is rocky and hilly, rising to a point that marks the watershed between the Brandywine River and the Christina River. This watershed line runs along Delaware Avenue westward from 10th Street and Market Street. These contrasting topography and soil conditions affected the industrial and residential development patterns within the city. The hilly west side was more attractive for the