Chapter IV focuses on the presence of the Americans in Puerto Rico during the early part of the twentieth century and their subsequent development of the sugarcane industry there. During this time, the United States military occupied Puerto Rico. Due to this occupation, the native islanders were affected in numerous ways and were looked down upon by the Americans. The Americans viewed the natives as incompetent and unable to be trusted. Many new American banks were popping up in Guamani that were reluctant to finance island run mills, but were giving money to the American run mills: "A number of powerful banks from the north had