Flat, or flatness, describes an object or condition that is very smooth or level.In Great Britain, Ireland and Australia, as well as in English spoken in Commonwealth countries such as India, a "flat" means an apartment.
Harry Bowly "H. B." Hollins (1854 – February 24, 1938) was an Americanfinancier, banker, and railroad magnate. He was responsible for organizing the banking and brokerage firm bearing his name, H.B. Hollins & Co. in 1878.