The Royal Exchange in London was founded in the 16th century by the merchant Sir Thomas Gresham on the suggestion of his factor Richard Clough to act as a centre of commerce for the City of London.[1] The site was provided by the City of London Corporation and the Worshipful Company of Mercers, who still jointly own the freehold. It is trapezoidal in shape and is flanked by Cornhill and Threadneedle Street, which converge at Bank junction in the heart of the city. It lies in the ward of Cornhill.
It has twice been destroyed by fire and subsequently rebuilt. The present building was designed by Sir William Tite in the 1840s. The site was notably occupied by the Lloyd's insurance market for nearly 150 years. Today the Royal Exchange contains Fortnum & Mason The Bar & Restaurant, luxury shops, and offices.
Traditionally, the steps of the Royal Exchange are the place where certain royal proclamations (such as the dissolution of parliament) are read out by either a herald or a crier. Following the death or abdication of a monarch and the confirmation of the next monarch's accession to the throne by the Accession Council, the Royal Exchange Building is one of the locations where a herald proclaims the new monarch's reign to the public.
Second Empire homes were a modern Victorian-era style that started in France before spreading through the Northeastern and Midwestern United States. Second Empire architecture features similar ornate Victorian trends, though generally offers a simplified Victorian aesthetic.
These elements help identify a Second Empire home:
- Uniquely shaped Mansard Roof
- Decorative window framing and dormers
- Decorative rails or balustrades around terraces and staircases
- Iron roof crest and eaves with support brackets
Second Empire homes are also easy to identify since they’re the only Victorian-era style that often features a symmetrical, rectangular floor plan.
The French Colonial house style can be seen around the world and has significant variety among its sub-styles.
French Colonial houses have the same symmetry as other Colonial homes with these distinct features:
- Dormer windows, including one centered above the door
- External stairs to enter higher floors
- Iron stairs and balconies
- Slightly raised basements to support the floor
French Colonial houses are most similar to Spanish Colonial houses and easily identified by their elaborate iron balconies, stairs, and entrances.
Shingle-style homes took influence from Colonial architecture rather than Medieval Europe. Ornamentation became simpler towards the end of the Victorian-era and Shingle-style homes are best known for their creative floor plans and signature shingles on exterior walls.
Shingle Victorian homes are identified by these interior and exterior features:
- Shingles cover the entire exterior
- Asymmetrical interior layouts without a central hallway
- Emphasis on horizontal planes
- Custom built to meld with the nature surrounding the house
Shingle-style houses were designed as a work of art and encouraged creativity in their use of shapes and features.
House styles will continue to evolve with influences from history, culture, and our lifestyles. All of these house styles can be seen and celebrated across the US and have their own stories to tell. Choose the house style that fits your lifestyle, location, and, of course, personal style best. Then check your credit score, get pre-approved, and start house-hunting.
Ranch house styles are the most searched style in the US today and are common in cities and suburbs across the country. There are various ranch house styles, including California and split-level ranch homes. The main distinguishing features between these styles are living space and home layout.
Ranch style homes feature:
- Single-story floor plans with low-pitched roofs
- Rectangular, “U,” or “L” shaped open floor plans
- Patio or deck space connected to the home
- Often includes a finished basement or attached garage
Ranch homes are the most popular homes in 34 US states — particularly in the Midwest and on the East Coast.
The U.S. health system is a mix of public and private, for-profit and nonprofit insurers and health care providers. The federal government provides funding for the national Medicare program for adults age 65 and older and some people with disabilities as well as for various programs for veterans and low-income people, including Medicaid and the Children’s Health Insurance Program. States manage and pay for aspects of local coverage and the safety net. Private insurance, the dominant form of coverage, is provided primarily by employers. The uninsured rate, 8.5 percent of the population, is down from 16 percent in 2010, the year that the landmark Affordable Care Act became law. Public and private insurers set their own benefit packages and cost-sharing structures, within federal and state regulations.
Cottage-style homes are often quaint and cozy — emphasizing charm and comfort over ornamentation. Cottage houses come in a variety of styles and can mimic bungalows, Tudor house styles, and more.
Look for these designs to identify a cottage:
- Asymmetrical exterior
- Typically one to one-and-a-half stories
- Traditional aesthetics that aren’t too rustic
- Open floor plans with wide halls and doorways
A cottage house style is extremely versatile, and its small size makes it great for small families or guest houses.
