A map of the United States is divided into 12 sections with a city labeled in each section. New England is labeled 1, Boston. New York and northern New Jersey are labeled 2, New York. Part of Pennsylvania and Southern New Jersey are labeled 3, Philadelphia. Ohio and parts of Pennsylvania and Kentucky are labeled 4, Cleveland. Mid-Atlantic region is labeled 5, Richmond. Southern region is labeled 6, Atlanta. Upper Midwest is labeled 7, Chicago. Midwest is labeled 8, Saint Louis. Northern plains states are labeled 9, Minneapolis. Central plains states are labeled 10, Kansas City. Texas and part of New Mexico are labeled 11, Dallas. Western states, Alaska, and Hawaii are labeled 12, San Francisco. A star placed in region 5 is labeled Board of Governors.

In complete sentences, explain two reasons why the Federal Reserve is made up of system of banks spread across the country.