Public holidays in the United States of America are not mandated by any government agencies, whether it be federal, state, or local governments. There are no national holidays on which all businesses are closed by law. Federal holidays are only established for certain federally chartered and regulated businesses (such as federal banks), and for Washington, D.C.. All other public holidays are created by the States; most states also allow local jurisdictions (cities, villages, etc.) to establish their own local holidays. As a result, holidays have not historically been governed at the federal level and federal law does not govern business opening. Some states restrict some business activities on some holidays. , there are eleven federal holidays in the United States, ten annual holidays and one quadrennial holiday (Inauguration Day). Pursuant to the Uniform Monday Holiday Act of 1968 (effective 1971), official holidays are observed on a Monday, except for New Year's Day, Independence Day, Veterans Day, Thanksgiving, and Christmas. While all current federal holidays have also been made public holidays in all 50 states for federal organizations, each state is not bound to observe the holidays on the same dates as the federal holidays. Many states also have additional holidays that are not observed by the U.S. federal government. Many businesses likewise observe certain holidays as well, which are also not mandated by any government agency. A list of "recommended diversity holidays" recognizes many cultures that range from Christianity to Hinduism, as well as racial diversity where various ethnic holidays such as St. Patrick's Day and Diwali are celebrated by individuals in the workplace, as a matter of best practice. Today, the United States is the 85th most ethnically diverse in the world. While the popularity of each public holiday cannot easily be measured, the holiday with the highest greeting card sales is Christmas. Major retail establishments such as malls, shopping centers and most retail stores close only on Thanksgiving and Christmas and some on Easter Sunday as well, but remain open on all other holidays (early closing on Christmas Eve and New Year's Eve, and sometimes on other major holidays). Virtually all companies observe and close on the major holidays (New Year's Day, Memorial Day, Independence Day, Labor Day, Thanksgiving, and Christmas). Some non-retail business close on the day after Thanksgiving (Black Friday) while some (such as federal banks and post offices) are not allowed to close on the day after Thanksgiving. Some smaller businesses normally open on Sunday will close on Easter Sunday, if it is their experience they will have very few customers that day.