Frost is the coating or deposit of ice that may form in humid air in cold conditions, usually overnight. In temperate climates it most commonly appears as fragile white crystals or frozen dew drops near the ground, but in cold climates it occurs in a greater variety of forms. ξ1 Frost is composed of delicate branched patterns of ice crystals formed as the result of fractal process development.
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.
