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In this collective biography spanning four generations, Howard Covington explores how one prestigious family shaped the development of Piedmont North Carolina, particularly the city of Durham. Covington examines the lives and legacies of George Washington Watts; his son-in-law, John Sprunt Hill; and Hill's son, George Watts Hill, and grandson, George Watts Hill Jr., analyzing the personalities, beliefs, relationships, and life forces that propelled these four men to become leading figures of their generations. Perhaps best known for such family businesses as Central Carolina Bank, the Carolina Inn, and Watts Hospital, and for their partnership in the American Tobacco Company, Watts and the Hills were also advocates for education, fair banking, credit unions, and health insurance. Active in both local and statewide politics, they worked for major infrastructure changes, including a better highway system and the development of Research Triangle Park, and all left lasting legacies.

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Ohio Credit Union System - The Ohio Credit Union System is an Ohio-based American free trade association for credit unions. The Ohio Credit Union System is composed of four components: The Ohio Credit Union League (trade association), The Ohio Credit Foundation (non-profit organization provide support for credit unions in need), OCULPac, and OCUL Services Corp.

European credit transfer system - European Credit Transfer and Accumulation System (ECTS) is a method that is used to compare the marks (US: grade) given in higher education across the European Union. One academic year corresponds to 60 ECTS-credits in all countries irrespective of standard or qualification type and is used to facilitate transfer and progression throughout the union.

US Central Credit Union - US Central Credit Union is the largest Corporate Credit Union in the United States. Unlike consumer driven credit unions (referred to as "natural person" credit unions in the industry), US Central provides its services only to other corporate credit unions, in effect acting as the "corporate credit union's credit union".

Corporate Credit Union - A Corporate Credit Union, also known as a "Central Credit Union " provides services to natural person (consumer) credit unions. In the credit union industry, they are sometimes referred to as "the credit union’s credit union.

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