On October 19, 1781, Great Britain's best army surrendered to General George Washington at Yorktown. But the future of the 13 former colonies was far from clear. A 13,000 man British army still occupied New York City, and another 13,000 regulars and armed loyalists were scattered from Canada to Savannah, Georgia. Meanwhile, Congress had declined to a mere 24 members, and the national treasury was empty. The American army had not been paid for years...