Nearly all non Native American commercial activity was run in small privately owned businesses with good credit both at home and in England being essential since they were often cash poor. Most settlements were nearly independent of trade with Britain as most grew or made nearly everything they needed—the average cost of imports for most households was only about 5-15 English pounds per year. Most settlements were created by complete family groups with several generations often present. Probably close to 80% of the families owned the land they lived and farmed on. They nearly all used English Common Law as their basic code of law and, except for the French, Dutch and Germans, spoke some dialect of English. They established their own popularly elected governments and courts and were mostly self-governing, self-supporting and self-replicating.