<?xml version='1.0' encoding='utf-8'?>
<section article="gfi" article_name="Financial Institutions" number="13-1109" title_number="13" title_name="State-Operated Financial Programs" subtitle_number="11" subtitle_name="Heritage Areas">
  <text>There is a Maryland system of recognized heritage areas and certified heritage areas that:</text>
  <level label="1">
    <text>Reflects the cultural themes of the State’s development; and</text>
  </level>
  <level label="2">
    <text>Provides educational, inspirational, economic, and recreational benefits for present and future generations.</text>
  </level>
</section>
