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J.P. Morgan (1837–1913) was a powerful American financier, banker, and industrial consolidator who played a pivotal role in shaping the modern financial system. As the head of J.P. Morgan & Co., he was instrumental in restructuring major industries, including railroads, steel, and electricity, helping to create corporate giants such as General Electric and U.S. Steel. Morgan was known for stabilizing financial markets during economic crises, most notably during the Panic of 1907, when he orchestrated a bailout to prevent a banking collapse. His influence extended beyond banking, as he played a key role in shaping government policies on finance and monopolies. Though criticized for his immense power and control over the economy, his contributions to American capitalism were undeniable. His legacy endures through the financial institutions that bear his name and his impact on modern banking and corporate finance.