Almost a century after the second national bank’s charter lapsed, the government created what?

Almost a century after the Second National Bank's charter lapsed, the government created the Federal Reserve System, which is still in existence today.

Explanation:

The Federal Reserve System was created on December 23, 1913, this is the central banking system in the United States of America, this was created with the intention of keeping a better control on the monetary system after the several waves of panic the country had because of economical crisis, it has been active since its creation and continues giving economic stability to the country.

the use of email to replace slower surface mail.